vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

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 2025-08-25 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax XXXX XXXX XXXX XXXXThis letter is a formal follow-up to my previous dispute submitted over 30 days ago. As of today, you have failed to remove multiple inaccurate, unverifiable, and unauthorized entries from my consumer credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), 1681i, and 1681s-2, you are legally required to verify all disputed items with original documentation or delete them. Any failure to comply may be considered willful noncompliance under 15 USC 1681n and 1681o.\n COLLECTION ACCOUNTS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No signed contracts, no validation, violates 1692g and 1681e ( b ), Johnson v. LVNV REPOSSESSION REPORTING - XXXX  XXXX  Discrepancies across bureaus, violating 1681e ( b ) ; subject to Fisher v. Equifax ( 2018 ) LATE PAYMENTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX and misleading late reporting ; fails to reflect deferment/grace period protections ( 1666b, 1681s-2 ( a ) ( 1 ) ( F ) ) CHARGE-OFFS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified and unvalidated balances ; delete due to non-compliance HARD INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No resulting accounts , no signed authorization ; delete under 1681b ( a ) ( 2 ), 1681q \nYou have failed to comply with federal reinvestigation requirements. If you can not provide full documentation, including signed applications, contracts, and collector license verification, you are required to delete these items from my report. I will be filing formal complaints with the CFPB, FTC, and my state Attorney General.\n\nThis is your final notice.

You have 15 days to remove all erroneous items and respond with confirmation.\n\n Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
In 2022, I financed a solar system through GoodLeap, LLC for {$70000.00}. The system is XXXXXXXX XXXX ( XXXX XXXX panels + XXXX inverter ). Market value for this system in Texas is {$35000.00} {$39000.00}, but GoodLeap financed more than double that amount. 

The installer has since gone out of business, preventing resolution directly. GoodLeap is still collecting payments totaling over {$100000.00} over 25 years. 

This is a violation of the FTC Holder Rule ( 16 C.F.R. 433 ) and the Texas Deceptive Trade Practices Act, which prohibit financing companies from enforcing contracts tied to unconscionable or deceptive sales. 

I request that CFPB investigate GoodLeaps lending practices in the solar sector and assist in reducing or canceling my loan obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I submitted a valid FTC Identity Theft Report ( FTC Report No. XXXX ) to Experian on XX/XX/year>, along with complete documentation identifying the fraudulent account ( XXXX XXXX ). Under federal law, specifically FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block this account within four ( 4 ) business days. 

Despite my compliance with all legal requirements, more than 30 days have passed and the account is still being reported. This failure directly violates the FCRA and has caused ongoing harm, including : Artificial depression of my credit score. 

Denial of legitimate credit applications. 

Higher interest rates when approved. 

Denial of housing opportunities. 

Increased insurance premiums. 

Loss of professional opportunities that depend on creditworthiness. 

Experians claim of verification does not meet the legal standard, because the FCRA requires blocking upon receipt of an FTC reportnot subjective verification by the bureau. Their inaction represents a willful disregard of federal law and has compounded the damage to my financial, personal, and professional life.

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 2025-08-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ 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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XX/XX/year>, i received a letter from Bank of America that it closed my account ending in XXXX and informed me that a cashiers check would be issued for the remaining balance after completion of their review. 
However, I never received this cashiers check. Instead, on XX/XX/year>, I received a bank statement reflecting a XXXX balance and showing a debit of {$10.00} XXXX from the account balance. When I contacted Bank of America, I was provided with a XXXX tracking number XXXX and informed that the check had been mailed on XX/XX/year> and required my signature Upon tracking the shipment, XXXX records showed receipt on XX/XX/XXXX and delays on XXXX, with no further updates. When I contacted XXXX, I was advised to file a claim, as they were unable to locate the package. After filing the claim, I contacted Bank of America again and was told that a replacement check could not be issued until the original check either expired ( after 120 days ) or was returned by XXXX. When I inquired about stopping payment on the check, I was told this was not possible until after the expiration period. 
Despite multiple calls to representatives, I was repeatedly given the same response and, in some cases, treated discourteously. A manager also instructed me to follow up with XXXX directly. On XX/XX/year>, XXXX contacted me to ask whether Bank of America had issued a replacement check. I explained that Bank of America had refused to do so, stating they would only reissue the check if XXXX returned it. 
Today, XXXX informed me that they had sent an official communication to Bank of America confirming the results of their investigation : the check was never delivered to me. Despite this confirmation, Bank of America representatives continue to deny reissuing my funds and insist that I must wait until XX/XX/year>. 
This situation has caused undue hardship, as my rightful funds are being withheld despite clear confirmation from XXXX that the cashiers check was lost in transit. I respectfully request that Bank of America immediately reissue the cashiers check or provide an alternative method of payment without requiring me to wait until the expiration period.

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 2025-08-25 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-08-25 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the validity and enforceability of the contract which has been presented as a binding agreement between myself and XXXX XXXX, PORTFOLIO RECOVERY ASSOC. 
After reviewing the document, I assert that the contract is not legitimate and does not reflect any agreement I knowingly entered into. Specifically : My signature appears to have been forged/ I was never presented with this agreement/ The terms were altered without my consent. 
I have no record of agreeing to the terms described, nor was my consent ever obtained knowingly or willingly. 
I have evidence supporting my claim, including FTC, CFPB. 

As such, I reject any claims or obligations stemming from this document and request that you cease all attempts to enforce it. If necessary, I am prepared to pursue legal remedies, including contacting relevant authorities and pursuing a civil claim, to protect my rights. 

I expect written confirmation that this matter is being reviewed and that no further action will be taken to enforce the disputed contract. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

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 XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$48000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} 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
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
My consistent financial responsibility is not reflected in this 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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
First thing the marketplace XXXX contact me and said I was scam and contact my account. I am marketplace seller. Someone got I hold my information and took out {$150.00} and {$290.00}. I without my permission. I no clue what is XXXX XXXX. I did not ever to do. The person that I spoke with yesterday on the phone did even listen to my problems and there accent was hard to understanding. I just call yesterday and today Chime email stated they we have concluded no error occurred. They did not investigation at all. The person on the phone clear stated someone will contact about getting more evidence. If they did there job right and would have send them the XXXX email stated someone scam my account and they told to get in contact with my bank. I want my money back on my card. will never use Chime every again. They do care about there customers getting scam at all.

Company response to consumer: Closed with explanation