vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am submitting this sixth follow-up complaint to formally dispute and request the correction of inaccurate and inconsistent reporting regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, which currently appears on both Experian and TransUnion. On Experian, this account shows a balance of {$29000.00}, opened on XX/XX/XXXX, with the date of last activity as XX/XX/XXXX, and a last payment of XX/XX/XXXX. On TransUnion, the same account is reported with the same balance of {$29000.00}, opened on XX/XX/XXXX, with the date of last activity as XX/XX/XXXX, and a last payment of XX/XX/XXXX. These discrepancies misrepresent the accounts true history, including the opening date, last activity, and reported status, which could negatively affect my creditworthiness and financial opportunities.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 607 ( b ) 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1666 Correction of Billing Errors, I request that both Experian and TransUnion conduct a thorough investigation with the original creditor to verify and correct all account details.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
My solar energy lease agreement ( GoodLeap LLC ) specifies an initial monthly payment of {$130.00}. This amount includes a {$10.00} monthly discount for enrollment in XXXX XXXX, which I have set up. 
For the first month of service, GoodLeap charged my account {$140.00}. This amount is {$11.00} higher than the contracted rate of {$130.00}. 
I suspect this overcharge is primarily due to the failure to apply the {$10.00} XXXX discount, with the remaining difference of {$1.00} being unexplained fees or taxes, despite the contract showing an estimated average monthly tax payment of {$0.00} ( see Page XXXX of the Solar Lease Agreement ). The contract explicitly states the monthly payment rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I paid my balance info on XX/XX/year> and received verification via email and phone call that my account was closed. On XX/XX/year>, I received a new bill for interest charges on the closed account. I did not reopen the account, request that the account be reopened or have any contact with the company after I closed the account on XX/XX/year>. Any account activity after XX/XX/year> was unauthorized in without my permission or knowledge. Upon information and belief, it was illegal and unethical. Any charges generated after XX/XX/year> are fraudulent. Upon information and belief, the company unlawfully refuses to close the account at my request.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have physical proof from XX/XX/year> from phone number XXXX of me requesting documents from car loan contract at XXXXXXXX XXXX XXXX The agents name was XXXX. The agent was attempting to request for past due payment amount. Advised agent I would like the contract before anything. Agent began to use adverse tactics to receive payment. Then proceeded to tell me that he submitted the request, but then back tracked to have me call in. Then proceeded to go back to the predatory tactics to receive payment. I requested for the Documentation. which was not the terms with Bridgecrest it was the info at the day of signing with XXXX which is not my loan creditor. Then I was also not notified that the vehicle has a tracker in it so the day of repossession individuals they hired took the vehicle while I was in public for a couple of hours. Had people watching my home which is stalking in a predatory practices until they were able to follow me. which is not okay.i requested for the documentation from bridgecrest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have requested verification of this debt on several different occasions via mail and phone. I have sent letters on XXXX different dates. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for them to verify this debt. I have also called. I get zero response either mail or phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public record XXXX  XXXX bankruptcy : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX Type XXXX  XXXX bankruptcy opened at that appears related to the aforementioned. This public record have resulted in fraudulent on my consumer credit report. I do not recognize the aforementioned Public record as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I feel like I was grossly over charged for my car loan I purchased a XXXX XXXX XXXX it was new I was charged XXXX {$560.00} per month for 6 years and still owed XXXX even with interest that is insane. I got into a accident the car was totaled the insurance company paid what the vehicle was worth and I still was left a balance over XXXX dollars. I feel I paid for this car already and they took advantage. And I know for a fact santander has had multiple lawsuits for this very reasonable of over charging. I trying to pay them through debt consolidation and it feels wrong I shouldn't owe that much. I got another vehicle with a legit loan. XXXX been paying almost XXXX years and already down to XXXX do the math plus I didn't need a co signer like santander claimed I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am filing this complaint to dispute the inaccurate reporting of my XXXX XXXX XXXX  account ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which shows a balance of {$34000.00} with a reported opening date of XX/XX/XXXX, and last activity dated XX/XX/XXXX. The account is reported with multiple late payments, including 30-day, 60-day, and 90-day delinquencies spanning XX/XX/XXXX through XX/XX/XXXX, which are inaccurate, unverified, and unsupported by any account statements or valid documentation. Additionally, there are significant inconsistencies across Experian, Equifax, and TransUnion regarding the accounts opening date, last activity, and late payment history. These discrepancies misrepresent my credit history, violate FCRA 607 ( b ), which obligates furnishers to maintain procedures ensuring maximum possible accuracy, FCRA 611 ( a ) ( 5 ) ( A ), requiring removal or correction of unverifiable information, 611 ( a ) ( 1 ) ( A ), granting consumers the right to dispute inaccurate information, and FCRA 623 ( a ) ( 1 ) ( A ), prohibiting furnishers from reporting information they know or should know is inaccurate. Despite my prior disputes, these inaccuracies and conflicts remain, creating confusion and materially harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have became a victim of identity theft. I contacted the Federal Trade Commission and The Attorney State General. I filed FTC and SAG complaints. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report.

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 2025-12-03 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXX XXXX XXXX Balance Owed : $ XXXX not reported in XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXX XXXX XXXX Balance Owed : $ XXXX not reported in XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Balance Owed : $ XXXX reported in XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
On multiple occasions I have requested the deletion of XXXX items on my credit report that are reporting in error : XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy ( Dismissed ) filed XX/XX/XXXX. 
- XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy ( Dismissed ) filed XX/XX/XXXX. 

Both items are being reported as dismissed, not XXXX. This means no debt relief occurred, and no completed bankruptcy existed therefore, these entries do not represent a valid, reportable public record of insolvency under the Fair Credit Reporting Act. 

Legal Basis for Deletion XXXX. Violation of FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] Maximum Possible Accuracy You are required to maintain only information that is complete and verifiably accurate. Reporting a dismissed petition as an active or valid bankruptcy misleads potential creditors and constitutes inaccurate reporting. 

XXXX. Violation of FCRA XXXX [ XXXX U.S.C. XXXX ( a ) ] Failure to Reinvestigate Upon receipt of this dispute, you are obligated to conduct a reasonable reinvestigation and delete or correct any data that can not be verified with original court documentation. It is insufficient to rely on third-party vendors such as XXXX, XXXX, XXXX XXXX  summaries ; only direct verification from the XXXX Bankruptcy XXXX XXXX XXXX bankruptcy was both filed and XXXX XXXX substantiate such a record. 

XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ] XXXX of Obsolete Information Because these bankruptcies were dismissed within months of filing and did not result in adjudication, they can not be lawfully retained for XXXX years as completed bankruptcies. 

XXXX. CFPB and FTC Enforcement Guidance The CFPB XXXX XXXX and FTC XXXX XXXX Letters ( XXXX XXXX XXXX XXXX XXXX XXXX make clear that dismissed bankruptcies must be accurately reflected or removed when they do not represent a completed judicial action. Failing to ensure data accuracy constitutes an unfair or deceptive practice under the XXXX XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is reporting multiple small-dollar accounts on my XXXX report as charged off, but Affirm informed me directly that these accounts were never sent to a collection agency and that they still own the debts. If Affirm still owns the debts, the charge-off status is inaccurately reported, and no verification has been provided. 

Additionally, because Affirm claims they still own the accounts, they must correct or update the reporting. Instead, I was told the charge-off is irreversible and they dont have the tools to update the credit report. This conflicts with their responsibilities as a furnisher under the Fair Credit Reporting Act. 

I asked Affirm who owns the debt, why it is listed as charged off, and why no XXXX was issued if the debt was charged off. They could not answer these questions. They also could not identify any collection agency, contrary to FCRA and FDCPA requirements. 

The conflicting information indicates inaccurate reporting. Experian is reporting data Affirm can not verify. I am requesting an investigation into : who owns each account whether the charge-off status is valid why Affirm refuses to correct the tradelines why no validation or XXXX exists If Affirm can not verify the accounts with proper documentation, the accounts must be deleted from my Experian report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Nothing, I am submitting a rebuttal because Portfolio Recovery Associates ( PRA ) closed this complaint without providing any of the validating documentation they claim to have. PRA states that they are sending the consumer letters with validating documentation from the original accounts, but as of today, I have received nothing in the mail and no documents were attached to the CFPB response for review. 

Closing a complaint without providing the promised documentation prevents me from verifying the accuracy or legitimacy of the alleged debts. PRA did not meet the requirements under FDCPA 809 ( b ) to provide validation, nor did they meet their obligations under FCRA 611 ( a ) or CFPB Regulation V 1022.43 to furnish supporting documentation to verify accuracy. 

PRAs response is incomplete and should not be considered resolved. I request that CFPB compel PRA to provide the full and complete validation documentation, including : Original signed agreement Full itemized accounting of charges and interest Chain of title from XXXXXXXX XXXX to PRA Proof of mailing any initial notices Proof that the balance is accurate and legally owed Until PRA provides the promised documentation, this complaint should not be treated as resolved. I request continued oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Okay so I booked a trip and paid with PayPal. The app I booked the trip charged me for an extra day even though I wasnt there an extra day. The trip was XXXX XXXX they charged me an extra day XXXX. I showed PayPal the proof along with receipts showing I was hours away so I couldnt have stayed an extra day. A whole {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Repeated phone calls from portfolio recovery from different numbers multiple times every hour XXXX days a week

Company response to consumer: Closed with non-monetary relief