vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am filing this complaint because TransUnion continues to report two charged-off accounts from XXXX XXXX XXXX and XXXX XXXX as verified, even though they are closed and should not be showing ongoing late payments. Both creditors have reported these accounts as charged off but have not issued a 1099-C for cancellation of debt as required under IRS regulations . I have already submitted disputes and provided my FTC Identity Theft Report. Despite this, TransUnion has failed to correct or permanently remove the inaccurate tradelines. I am requesting that the CFPB ensure TransUnion fully investigates and deletes these unverifiable charged-off accounts in compliance with the Fair Credit Reporting Act ( FCRA 605B, 611 ( a ), 623 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am filing this complaint because TransUnion continues to report two charged-off accounts from XXXX XXXX XXXX and XXXX XXXX as verified, even though they are closed and should not be showing ongoing late payments. Both creditors have reported these accounts as charged off but have not issued a 1099-C for cancellation of debt as required under IRS regulations . I have already submitted disputes and provided my FTC Identity Theft Report. Despite this, TransUnion has failed to correct or permanently remove the inaccurate tradelines. I am requesting that the CFPB ensure TransUnion fully investigates and deletes these unverifiable charged-off accounts in compliance with the Fair Credit Reporting Act ( FCRA 605B, 611 ( a ), 623 ( a ) ( 1 ) ( A ) ).

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 2025-12-04 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: WA

Complaint narrative:
I am writing regarding my GoodLeap loan, which was obtained based on material misrepresentations, missing disclosures, and an unclear contract structure that prevented me from understanding the true cost and terms of the financing.

After reviewing the loan documents and my payment history, it is clear that : 1. The Interest-Only Structure for the First 18 Months Was Not Disclosed At no point during the sales process or signing was I told that : My first 18 months of payments would go entirely to interest, My loan balance would not decrease at all, and My actual loan payoff would remain unchanged despite thousands of dollars paid.

This is a material term of the loan and should have been clearly explained verbally and prominently disclosed in the contract. It was not.

2. The Payoff Schedule & Amortization Were Not Shown or Explained GoodLeap did not provide : An amortization schedule showing interest-only payments, A clear breakdown of how payments would be applied, or A disclosure that no principal would be reduced for 18 months.

This is deceptive because a reasonable borrower would assume that monthly payments reduce the loan amount. Mine did notyet this fact was hidden within contract fine print and never communicated.

3. The Sales Representative Misrepresented the Payment Structure The contractor/installer and representative both stated the loan was simple and that payments would reduce the balance like any normal loan. This was untrue. The structure of this loan is not normal, and their statements were misleading.

4. GoodLeap Benefited From My Payments While I Received No Financial Benefit I have paid approximately {$4000.00}, and my loan balance has INCREASED. 

This is unfair, deceptive, and violates reasonable lending standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because the company XXXX is reporting an account ( Account Number : XXXX ) incorrectly on my credit report. According to the credit bureaus, this account was opened on XX/XX/year> and is being reported as a collection with a high balance of {$0.00}. 
I want to clearly state that I have no knowledge of this account, I never opened it, and I never authorized any debt with XXXX. This information is false, inaccurate, and misleading, and it is negatively affecting my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), any information furnished to the credit bureaus must be accurate, verifiable, and complete. XXXX has failed to follow these guidelines because : They are reporting an account that does not belong to me. 
They have not provided any proof of the debt. 
They are reporting a {$0.00} balance as a collection, which is inconsistent and misleading. 
This reporting is damaging my credit reputation and causing undue harm. 
I am requesting that the CFPB investigate this matter and require XXXX to : 1. Provide full validation of this alleged debt, including original creditor, signed agreement, account statements, and proof that the account belongs to me.

2. Remove the account immediately from all credit bureaus if they can not prove ownership. 
I am also requesting a correction from the credit bureaus because this account is clearly inaccurately reported and unverifiable. 
Thank you for your assistance in resolving this matter.

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
I had a previous case regarding a loan with this company. 
Part of the resolution was that I would be removed from marketing campaigns. 

This has not been the case. 

Not only that, but the pre-approvals I've been offered are misleading and abusive. I submit my information and get approved for the new loan each time only to log back into my account and see that my app is closed. I have submitted these applications on or about the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I mention XXXX or about " because their system is not recognizing the actual date of submission i.e. my application submitted today, XX/XX/XXXX is showing as submitted on XX/XX/XXXX. 

Furthermore, I have not received any Notice of Adverse Action -- a legal requirement under the Equal Credit Opportunity Act. 
I believe this to be a pattern of failing to send adverse action notices, deceptive marketing and lending practices, and recklessly ignoring regulatory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report with your bureau. Below are the details of the accounts in question, including charged-off accounts and late payments. These disputes are based on inaccurate reporting and I request an investigation into the following items : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I am disputing a debt that is being reported or collected under the name PENN YMAC with account number XXXXXXXX XXXX XXXX XXXX XXXX I have not received any proper debt validation or documentation proving that this debt is accurate, valid, or that PennyMac has the legal right to collect or report it. Despite this, the account continues to be shown on my credit report. I am concerned that this information may be inaccurate or incomplete, and the lack of verification prevents me from confirming whether I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TN

Complaint narrative:
Checking up on my credit report after I found out what was on my credit that identity theft of this apartment was open in my name and not authorized around the time I was living with my boyfriend and his family members and when me and my bf left when getting settled when I was living in XXXX XXXX got a call saying that their were multiple apartments opened in my name and filed my police report that just made me knew they were having photos of my personal items that were in the home and thought I wouldnt find out because I didnt have my own apartment yet but found out from my apartments and my credit report and would like this to be distributed because I dont even know these apartments never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XXXX of XXXX  I noticed unauthorized charges on my Target credit card, I called to dispute the charges, and sent back the paperwork the requested. They never provided a provisional credit or anything, so I paid of the amount that was not disputed, and in XXXX I called because I was not paying the minimum on a balance I didnt not authorize, had to call again in XXXX, and XXXX, and now again in XXXX, and it has been 5 months since I filled the dispute, and it is still being investigated, and they refuse to do anything about it, except waive the monthly minimum. It is harming my credit score, I cant use the card to shop, and I have to call every month. It has been beyond the 90 period

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
am filing a formal complaint against Citizens Bank regarding the improper assessment of multiple overdraft fees on my account on XX/XX/XXXX and XX/XX/year>, despite sufficient deposits made to cover all debits. On XX/XX/XXXX, a transfer of over {$1000.00} was made into the account, and the Citizens mobile banking app reflected a positive available balance. No overdraft notifications were sent to me via email at any point during this time. However, on XX/XX/XXXX, the bank charged three overdraft fees of {$35.00} each. When I contacted a Citizens representative named XXXX, he claimed the fees were tied to transactions from XXXX XXXX the deposit made that day exceeded all pending debits and the app showed the account as positive. Out of an abundance of caution, another transfer of over {$1000.00} was made on XX/XX/XXXX to prevent any risk of overdrafting. Again, no overdraft notices were provided through email or any other means. 

On XX/XX/XXXX, I received a notice stating that my account was overdrawn by {$160.00}, at which point I transferred over {$1000.00} that same day to bring the account to a positive balance. Despite this, Citizens Bank assessed an additional four overdraft fees of {$35.00} each. At no time prior to XX/XX/XXXX did I receive required or expected overdraft notifications. The representative stated I should have received alerts via the apps internal Document Center, but no alerts or notifications were ever provided. Furthermore, the Citizens mobile app frequently glitcheslogging users out immediately upon login, failing to load, and after multiple attempts locking the user out entirely. In some instances, this triggers a fraud alert that disables the debit card. These recurring technical failures materially interfere with the ability to receive account information, review alerts, or take action to avoid overdrafts.

The lack of timely overdraft notification, combined with app malfunctions preventing access to critical account details, resulted in the bank assessing seven overdraft fees totaling {$240.00} even though deposits exceeding {$1000.00} were made on each relevant date. The banks systems did not provide accurate or timely information, and the fees were assessed in a manner that appears inconsistent with fair banking practices, transparency requirements, and reasonable customer notification standards. I am requesting that the FDIC review this matter and assist in securing a full refund of all overdraft fees assessed on XX/XX/XXXX and XX/XX/year>, and ensure that Citizens Bank addresses the systemic failures in its notification processes and mobile app functionality to prevent similar consumer harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Take a look at the supplied information ; the inquiries appeared without prior notice and could be unsanctioned.

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 2025-12-04 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: TX

Complaint narrative:
My credit report was accessed by multiple companies without my knowledge, consent, or any permissible purpose, and all three credit bureaus ( Experian, TransUnion, and Equifax ) released my private information in violation of FCRA 604 ( a ).

I did not authorize any of these inquiries, I did not submit any applications with these companies, and no credit account was ever opened as a result of these pulls. The bureaus can not produce my written authorization or a signed application to justify any of these inquiries.

Unauthorized Inquiries Reporting on My 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 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 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 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 duplicate ) XX/XX/XXXX These inquiries were never legally permissible, because a credit bureau may only furnish my report with my written authorization or a credit transaction initiated by me. None of these companies have my consent. Reporting these inquiries violates : - FCRA 604 ( a ) ( impermissible access ) - FCRA 607 ( b ) ( maximum accuracy requirement ) I formally disputed these inquiries and the bureaus failed to provide documentation or a signed application. Continuing to report unverifiable inquiries violates : - FCRA 611 ( a ) ( 1 ) ( failure to reasonably reinvestigate ) - FCRA 611 ( a ) ( 5 ) ( A ) ( must delete unverifiable data ) - FCRA 616617 ( civil liability for negligent/willful noncompliance ) I am requesting immediate deletion of ALL unauthorized inquiries across all three bureaus.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: AR

Complaint narrative:
They have not applied monies taken from my payroll as well as tax offsets. I received a bill XX/XX/XXXX and XXXX I purchased and MAILED a cashiers check paying the entire balance in full. XX/XX/XXXX I received a statement for another {$1.00}. I called they said they would adjust the account to XXXX. XX/XX/XXXX I received another invoice for {$2.00}. I called again and they said they would adjust. XX/XX/XXXX a letter was generated to my advising that they would AGAIN offset my tax refund for {$84.00}. XX/XX/XXXX I sent a dispute letter and requested a payment history from XX/XX/XXXX to the present. That request was ignored. Subsequently I received a statement dated XX/XX/XXXX showing {$85.00} owed. XX/XX/XXXX I once again wrote a letter disputing this debt and requesting a complete payment history. That was ignored. I have not received a statement dated XX/XX/XXXX for {$85.00}. 
I believe I have over paid this account and I am due a refund.

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 2025-12-04 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: PA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

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 2025-12-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation