vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
CFPB Complaint # XXXX Rebuttal Response to GoodLeap ( XX/XX/XXXX ) I reject GoodLeaps response for the following reasons : System Remains Inoperable The solar system financed under this loan has never been activated or permitted since installation began in XXXX. GoodLeaps offer of cash incentives once your system is completed is meaningless because completion has been promised for years without delivery. 

False Narrative of Borrower Non-Cooperation GoodLeap claims I am no longer willing to engage. This is false. I have engaged repeatedly with XXXX  XXXX XXXX ( XXXX ) and GoodLeap since XXXX. My record of texts and emails shows consistent cooperation and requests for updates. It is GoodLeaps servicers who have failed to deliver. 

Misrepresentation of Loan Terms GoodLeap asserts the loan covers equipment only. This is misleading. The loan was marketed and executed as financing a functioning solar energy system. A pile of equipment without a completed installation is useless and not what I agreed to finance. 

Refusal to Cancel This is now the third CFPB response in which GoodLeap repeats the same deflection and refuses loan cancellation. Deferment or cash incentives do not resolve the harm of being forced to pay for a non-operational system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX notified me of a collection notification. I called the company " Jefferson Capital '' and spoke with a woman on the phone who kept asking me for more personal information. I asked for proof of this collection to be mailed to me and emailed to me but she insisted she could only do one. I then requested to have it emailed to me so I could see it immediately and she then asked me for my attorney 's contact information and refused to send me any information. I then refused to provide any more personal information. 

The original collection was for XXXX and I have never had a XXXX account - I have been with XXXX XXXX XXXX for 20 years. The amount is for {$180.00}. 

A similar XXXX collection came up in 2023 for the same amount. I was able to dispute that at the time but now it is back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$23.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a new complaint against Bank of America because of repeated contradictions, missing records, and deliberate obstruction of resolution. 

On XX/XX/XXXX, Bank of Americas XXXX XXXX Department confirmed my account existed, located it using the last four digits, and provided me with a direct link to account records. I accessed that link at the time. That link has since been disabled. 

In XXXX, Bank of Americas representative XXXX ( Regulatory Complaints ) stated on a recorded call that there were no accounts tied to my name. In the same call, she contradicted herself by saying if there was an account, it aged out after 710 years. She admitted she never actually looked up my account, only my name, and that she could not use the four-digit reference despite the fact that her own department successfully used those same four digits in XXXX. 

Bank of America then assigned me a new Resolution Specialist, who stated I would receive a written response. I complied with their instructions, left a voicemail, and sent correspondence. To this day, I have never received any written response no letter, no email, no secure message. 

When I contacted CFPB directly, I was told that the Bureau could not share what Bank of America sent and that I would need to contact the company. When I contacted Bank of America again, they told me they had mailed me a response. Nothing ever arrived. This leaves me in an impossible position : CFPBs system shows company responded, Bank of America claims it sent me a response, and yet I received nothing. 

This is not a clerical issue it is a deliberate tactic. Bank of America can appear compliant to CFPB by saying we responded, while never actually providing the consumer with that response. CFPB then closes the case as responded, leaving the consumer in the dark. This is false compliance and a denial of due process. 

This has been Bank of Americas pattern since day one : delay, contradict, stall until the retention window can be invoked, then hide behind 710 years. If regulators allow this practice, then regulators are part of the reason it continues. Consumers are forced to chase phone calls, secure portals, and phantom letters, while the bank waits out the clock and says, the retention window expired. 

To make matters worse, I live in Maryland, where the retention window is only 3 years, yet Bank of America cites 710 years at the federal level as its shield. This inconsistency shows how banks exploit gaps in policy to deny accountability. 


cfp Reference CN # XXXX CN # XXXX CN  # XXXXXXXX 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 2025-08-27 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: SC

Complaint narrative:
Equifax continues to report inaccurate and damaging information on my credit file even after disputes have been submitted. The first issue is the reporting of the address XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, which does not belong to me and has never been connected to my personal history. Including this false address creates a serious risk of identity confusion and improper association with accounts that are not mine. Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), Equifax is obligated to maintain maximum possible accuracy in consumer files, and allowing an incorrect address to remain is a clear violation of this duty. 

Equifax is also reporting an account listed as XXXX XXXX XXXX, showing a status of Collection. This reporting is inaccurate and unverifiable. The FCRA requires under Section 611 that disputed information be properly reinvestigated and verified with supporting documentation. To date, Equifax has failed to provide verification and continues to allow this harmful collection account to remain, despite my challenges. Continuing to report unverifiable information violates federal law and is causing significant harm to my credit standing. 

In addition, Equifax is reporting the account XXXX  XXXX, opened on XX/XX/2012, with a balance of {$0.00}, as having late payments. Reporting late payments on an account with a XXXX balance is misleading, inaccurate, and creates the false impression of delinquency where none exists. This practice is a direct violation of FCRA Section 607 ( b ) regarding accuracy and Section 611 ( a ) regarding reinvestigation obligations. Equifax has been given the opportunity to correct this error but has failed to remove or amend the reporting. 

These inaccuracies have caused harm by lowering my credit score, damaging my creditworthiness, and limiting my access to financial opportunities. The stress and setbacks caused by Equifaxs negligence are unacceptable, particularly given that disputes have already been filed and ignored. 

I am requesting that the Consumer Financial Protection Bureau require Equifax to take immediate corrective action by removing the false address XXXX XXXX XXXX, XXXX, XXXX XXXX, deleting the inaccurate collection account XXXX XXXX, and correcting or deleting the account XXXX  XXXX so that no late payment notations are associated with a XXXX balance account. Written confirmation of these corrections must also be provided to ensure that the errors are permanently resolved. 

Accurate credit reporting is a legal requirement under the FCRA, not a choice. Equifaxs continued reporting of false and unverifiable information is a violation of federal law, and I am requesting immediate CFPB intervention to enforce compliance and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I received a letter in the mail from XXXX  XXXX on XX/XX/year> with the letter being dated from XX/XX/XXXX saying Dear my name, were writing about your XXXX  card account ending in XXXX, which is past due Creditor : XXXX XXXX XXXX. 
Account Balance : {$120.00} Past Due Amount : {$53.00} I have never opened a XXXX  XXXX card, nor never received any prior notices until the one I opened on XX/XX/XXXX XXXX I believe someone has taken my identity and opened this account it is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I caught the account up on what was owed from XX/XX/year> and XX/XX/year>. I paid the account down to XXXX. Somehow they are saying I still owe {$18.00}. Anytime I have been late on a payment TD bank decides to call me at least XXXX times a day until the payment is caught up. Which violates the 7 calls in 7 days. In the last 2 days alone they have called me twice a day both days, while I am at work which is completely unprofessional!! Over {$18.00} that I wasn't even made aware of owing. When I look at my account right now it says I owe {$160.00} by XX/XX/XXXX. Nowhere does it mention that I still owe XXXX from the last pay period. The amount of times that this company calls their clients is INSANE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 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 pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Unauthorized Inquiries to Be Deleted : XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XXXX XXXXXX/XX/XXXX I contacted usaa about how to deposit cash in to my checking account. The agent i spoke with looked up the nearest ATM location and found that it was XXXX miles away. She then said that I could get a money order and deposit it through the mobile app and that doing that would be the easiest way. So I purchased 2 money orders one for {$1000.00} and one for {$180.00} and deposited them through the mobile check deposit feature available on the app. I was then informed that they wouldn't be made available to me for 2 weeks being made available on XX/XX/year>. Money orders aren't checks you have to prepay for them and the money is guaranteed to be on there so I dont see why a hold has been placed on the money. So I called usaa back and explained to them what happened they said that there is nothing that they can do they cant override the system

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 2025-08-27 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$720.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation