vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my solar loan with GoodLeap ( XXXX # XXXX ). The loan terms and disclosures were not clearly communicated, and the financing has caused significant financial harm while preventing me from selling my home. 

I was not adequately informed that the panels could not be moved to a future residence, that the loan becomes non-cancelable immediately after disbursement, or that a UCC lien would be placed on my property. I was also not told that the loan is only assumable at GoodLeaps discretion, even if a buyer fully qualifies. In practice, this gives GoodLeap the ability to block a home sale. 

The cost of the system ( {$74000.00} ) and the current payoff ( approximately {$70000.00} ) are unreasonable and far exceed the systems value. Because no buyer is willing to assume a {$70000.00} debt, and because GoodLeap may deny assumption, I can not sell my home. I am experiencing significant financial hardship as a result. 

I am requesting assistance with a reduced payoff or settlement, a modification that allows me to sell my home, or intervention to prevent discretionary denial of a qualified buyers assumption. I believe GoodLeaps disclosures, sales practices, and loan structure warrant review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Contacted me XX/XX/XXXX stating they were XXXX XXXX XXXX. XXXX was all over the place with years and would only state that the client was Capitol One. They would file civil suit in my county if I could not prove anything. I assumed it was a credit card being the company name. She would call back that Fri. to follow up. 
Called again XXXX asking if I found documentation. Told her that I needed to know exactly what she was referring to. Just said XXXX XXXX now Capitol one. I requested she send the account info to me and she was able to because it was not in collection. In prev. convo she was telling me cars, employ, addresses I lived but the dates were all incorrect. Last convo was for XXXX. With GA. address. Said they had me at 2 companies. Both incorrect. 1 had been closed by Feds. Before XXXX and the other I never worked at. Asked again for info and refused saying she will have client file suit. 
I looked up the number XXXX XXXX XXXX. Listed as XXXX XXXX. I do not even know if this legit but highly stressed out about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
b"on XX/XX/XXXXat approx. XXXX XXXX XXXX called home Depot fraud department at XXXX XXXX XXXX XXXX  and reported the fraud from the statement I received in the mail on XX/XX/XXXX.\non XXXX XXXX at approx XXXX XXXX XXXX officer XXXX from XXXX Police Department came to my residents to file a report. XXXX police report number XXXX.\n\nI never applied for this credit card from Home Depot."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I have debt with this agency, however when I am calling to get the payment address and trying to explain I have 2 accounts with them, the debt collector denied me to make a payment and when I asked for the payment address he is hanging up on me and will not provide it. They did collect off of one account but wont let me pay on the other.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute several accounts that are inaccurately reported on my credit reports with the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ). Please review the following accounts in dispute and correct the errors accordingly. 

Charged-Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} CXXXX XXXXL - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX Opened XXXX XX/XX/XXXX, Balance : {$430.00} Late Payments : Equifax : XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a consumer working to repair my credit, and I am disputing certain accounts listed in my credit reports. Below are the details of the accounts that I am requesting to be reviewed and corrected : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank 's Bonus Offer of {$750.00} upon opening an eligible checking account of {$30000.00} upon completion of all required activities the account was to be maintained opened for 90 days in order to qualify tor the {$750.00} Bonus Offer. My account has been in good standing for over XXXX days. Citibank is now saying my checking account opened with the approval of the bankers at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is not eligible for the Bonus. I was in constant contact with the bankers who opened the account on XX/XX/year>. The branch personal bankers advised me to open the account at that time. I relied and acted upon the advice of the personal bankers who opened the checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because several items appearing on my credit reports with Equifax, XXXX XXXX XXXX are inaccurate, incomplete, or not fully verifiable. I am requesting assistance to ensure that each account is properly investigated under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Dispute : I do not believe this account is being accurately reported. I request verification or removal. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$380.00} Dispute : I do not recognize this debt and am requesting documentation to prove accuracy. If it can not be verified, it should be deleted. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$55.00} Dispute : The reporting appears inconsistent with other bureaus. I request full validation. 

Inquiries None listed, but I am requesting Equifax to ensure no unauthorized or inaccurate inquiries are being reported. 

Late Payments None listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the victim of identity theft, and I am disputing the following unauthorized hard credit inquiries that appear on my credit report. I did NOT authorize these businesses to pull my credit, and I did not apply for credit, loans, or financing with them. 

Unauthorized Hard Inquiries ( Listed exactly as they appear on credit reports ) XXXX XXXX XX/XX/year> XXXX XXXX OF GL XX/XX/year> Automotive XXXX XXXX XXXX XX/XX/year> Finance/Personal XXXX AUTO XX/XX/year> Banks XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Automotive XXXX XX/XX/year> XXXX XXXX XX/XX/year> Finance/Personal XXXX OF XXXX XX/XX/year> Automotive XXXX XXXX XX/XX/year> XXXX FCRA DISPUTE CODES + EXPLANATIONS Below are the codes used by credit bureaus with the full meaning of each code, which strengthens your dispute : 1. Fraud Code : No Permissible Purpose ( FCRA 604 ) Meaning : A company must have a legal reason ( permissible purpose ) to pull your credit. 
You did not authorize any of these companies, so they had no permissible purpose. 

2. Code 13 ID Theft / Not Mine Meaning : Used when an inquiry is the result of identity theft.

Credit bureaus use this code to trigger identity-theft-specific handling.

3. Code 112 Unauthorized Inquiry Meaning : The creditor accessed your credit without your consent, which is illegal.

4. FCRA 605B Blocking of Information from Identity Theft Meaning : Once you notify the bureau that an item resulted from identity theft, the credit bureau must block the item within 4 business days. 

5. FCRA 611 Right to Dispute Inaccurate Information Meaning : Any item that you dispute as inaccurate, fraudulent, or unauthorized must be corrected or deleted.

6. FCRA 602A Protection of Consumer Privacy Meaning : Your personal information must be protected from improper access or misuse.

7. Fraud Alert Code Initial Fraud Alert Requested Meaning : Indicates you have placed a fraud alert or are requesting one due to identity theft.

8. Reason Code : IDT-INV Identity Theft Investigation Required Meaning : Tells the bureau an identity theft investigation is mandatory.

9. Reason Code : PRM-VIO Permissible Purpose Violation Meaning : The company violated FCRA by pulling your credit without legal justification.

OFFICIAL STATEMENT I am invoking FCRA 604, 605B, and 611 to dispute and demand the removal of the above hard inquiries. These inquiries were not authorized by me, were made without a permissible purpose, and are the result of identity theft. 

Because these inquiries were made fraudulently, they must be : Removed ( deleted ) immediately Blocked from reappearing Not verified through the fraudulent creditors ( per FCRA rules ) I request written confirmation of the removal. 

STATEMENT OF TRUTH I declare that the information I have provided is true, accurate, and related to an identity theft incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud, and now I have accounts on my credit report that do not belong to me. I never opened or authorized these accounts, and this situation is causing me serious distress. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX Lease Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/year>. 

I am urgently requesting that these accounts be DELETED AND BLOCKED from my credit report. This is a serious matter that is affecting me emotionally and financially, and I need these fraudulent items removed immediately. 

Additionally, I have received no cooperation from Equifax. I have been asking for help for weeks without any response, which has only increased my anxiety and frustration. I am pleading for a prompt and effective solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally lodge a serious complaint regarding the management and staff at the Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have been a loyal Chase customer for many years, maintaining XXXX different business accounts, and have always been satisfied with the branch on XXXX XXXX. However, my recent experience at the XXXX branch has been extremely concerning. 

On XX/XX/year>, I visited the XXXX branch to make a routine deposit. While I was being assisted by the teller, the XXXX XXXX intervened abruptly without any prior interaction with me, and escalated the situation to the XXXX XXXX, who then refused to accept my deposit. I was confused and dismayed by this behavior, which I found unprofessional, discourteous, and inappropriate for employees representing Chase Bank. 

It is unclear why this situation occurred, but I feel that the XXXX XXXX and XXXX Managers conduct was disruptive and unnecessarily hostile. Such behavior does not reflect the high standards expected of Chase Bank employees, and it has caused significant frustration and embarrassment. I am concerned about the lack of professionalism and apparent lack of training in handling routine customer transactions. 

I request the following actions : A prompt investigation into the conduct of the XXXX XXXX and XXXX XXXX at the XXXX XXXX. 

A written response explaining why my deposit was refused and why I was treated in this manner. 

Assurance that corrective action will be taken to prevent such behavior in the future. 

Please understand that if this matter is not resolved appropriately, I may be forced to close all my business accounts with Chase and escalate the matter further, including legal consultation if necessary. I hope that Chase Bank takes this complaint seriously and addresses it promptly to uphold the integrity and reputation of your organization. 

I expect a written response as soon as possible. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation