vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
I was given loans from several different online lenders that are all funded by the same institution and am now having trouble paying them back and feel these were a bit predatory. They automatically take the payments out of my bank account and there is no stopping them. Is this ethical and allowed in the state of Ohio? 
Opploans - ( XXXX XXXX ) {$4900.00} Balance {$340.00} XXXX XXXX - ( XXXX XXXX  ) {$5900.00} Balance {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank ) {$3300.00} Balance {$260.00} XXXX XXXX - ( XXXX Bank ) {$4600.00} Balance {$360.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following items on my XXXX credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CBC Companies, Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Accounts : XXXX Collection {$340.00} XXXX ( Original Creditor : XXXX PROGRESSIVE ) Collection {$340.00} I am disputing XXXX collection accounts from Caine & Weiner because they are clearly listed twice with XXXX different account numbers for the same alleged amount, which is obvious duplication and a reporting error. I never received any written initial notice prior to either account being placed on my credit. I requested full validation of both accounts, yet I still have not received one piece of documentation. Instead, I have received generic stall letters and emails trying to delay or avoid compliance. I know my rights under the law and I am not working with a third party ; I am handling this myself.

FDCPA Violations 15 U.S.C. 1692g ( a ) Failure to send the required written validation of debt notice within five days of first contact.

15 U.S.C. 1692g ( b ) Continuing collection activity while the debt is disputed and unvalidated.

15 U.S.C. 1692e Misrepresenting the debt by duplicating accounts and failing to provide proof of ownership/assignment.

FCRA Violations 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information and report results ; Caine & Weiner failed to verify and continues reporting.

15 U.S.C. 1681i ( a ) The credit reporting agencies must conduct a reasonable reinvestigation when information is disputed ; the duplication and lack of documentation show failure.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy ; duplication of the same debt under different numbers is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2025-11-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a consumer currently attempting to fix my credit. Below is the list of inquiries that I believe to be incorrect, unauthorized, or improperly reported. Please investigate and address these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My property was condemned by the City of XXXX XXXX, Florida, and all residents were forced by government order to evacuate on XX/XX/year> due to structural safety concerns. The building has remained uninhabitable and uninsurable since that date. The city is currently pursuing potential demolition and/or land auction. 

Despite the total loss of the structure, Selene Finance continues to : Demand flood insurance Demand interior contents insurance Charge or threaten force-placed insurance Refuse to acknowledge that the property can not be insured No insurance carrier will insure a condemned building that is legally uninhabitable. Selene is violating RESPA force-placed insurance rules and is not following investor guidelines for casualty-loss and condemnation situations.

I have continued paying the mortgage, even though I have been displaced for over a year and forced to live temporarily as a favor. I now must begin paying rent, while Selene still expects me to pay a mortgage on a property I can not access, can not use, can not insure, and can not fix. This is financially impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am a consumer seeking to address several discrepancies related to my credit report. I have identified the following accounts that I believe to be inaccurate or incorrect and request your assistance in having them removed or corrected under the Fair Credit Reporting Act ( FCRA ). 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

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 2025-11-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am writing to dispute several items on my TransUnion credit report, which I believe to be inaccurate or incomplete. I have reviewed my credit report dated [ Insert Date of Report ], and I believe the following entries contain errors : XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is showing as a charge-off and has an outstanding balance, which I dispute. I request that you investigate and provide documentation verifying the accuracy of this report. If the information can not be verified, I request that this account be removed from my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported with late payments, including being marked 90 days late. I dispute the accuracy of these late payments, as I have made all payments on time, or I request verification of the claimed late payments.

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 2025-11-25 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: NY

Complaint narrative:
I am writing to dispute several items on my TransUnion credit report, which I believe to be inaccurate or incomplete. I have reviewed my credit report dated [ Insert Date of Report ], and I believe the following entries contain errors : XXXX. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is showing as a charge-off and has an outstanding balance, which I dispute. I request that you investigate and provide documentation verifying the accuracy of this report. If the information can not be verified, I request that this account be removed from my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported with late payments, including being marked 90 days late. I dispute the accuracy of these late payments, as I have made all payments on time, or I request verification of the claimed late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 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

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 2025-11-25 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: TX

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 2025-11-25 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:
On XX/XX/XXXX, I my rental property in XXXX XXXX XXXX broke. Goodleap was the provider. They installed my AC system with the borrowed amount of {$14000.00}. The loan amount had an 18 months promotions with Zero interest. There after an APR of XXXX. On XX/XX/XXXX I paid {$7000.00} toward the loan. Which leaves a balance of {$7500.00}. On XX/XX/XXXX I started paying toward my balance in the amount of {$250.00} per month. The promotion period ended on XX/XX/XXXX. By XX/XX/XXXX I had paid a total of {$1500.00} toward my loan. As of XX/XX/XXXX my loan amount should be {$5400.00}. However according to Goodleap my balance is {$8100.00}. They said I had accrued an interest of {$2400.00} since the day the loan approved and the interest was based on the total loan amount {$14000.00}, not from the balance owe. This is robbery. I agree and understand to paying the interest of 15.99 APR, but it should be from the balance owe, not the total amount. I have called GoodLeap spoke to the representative and their supervisor, but they refused to work this out for me. This is plain robbery. I had reviewed Goodleap had several lawsuits file by Government agencies ( state ). I am a mere resident with a XXXX XXXX XXXX. I can not afford for them to rob me off like this. Can you please help me. I have requested for them to submit a claim for me. The claim/case # is XXXX. CEO/Founder is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company XXXX response does not address my complaint and contains multiple factual and legal errors. 

My complaint is NOT about a payment refund, nor is it about the balance transfer. 
My complaint is about an unauthorized withdrawal of {$5400.00} from my checking and savings accounts by Bank of America. 

Bank of America has not provided : Any proof that I authorized this withdrawal Any signed authorization Any recorded authorization Any online confirmation Any transaction documentation showing I initiated the debit Under Regulation Z ( XXXX XXXX XXXX and XXXX ), the bank is required to provide such proof. They have not done so. 

Bank of Americas response claims that returning my funds would cause delinquency. 
This is not a legally valid reason to deny an unauthorized transaction dispute. 
The bank can not refuse to refund an unauthorized withdrawal based on the credit card balance outcome. 

Bank of America has failed to comply with federal billing error-resolution procedures, has not provided evidence of authorization, and has not addressed the core issue raised in my CFPB complaint. 

I am requesting : XXXX. A full XXXX XXXX investigation XXXX. Proof of authorization for the {$5400.00} withdrawal XXXX. A refund of {$5400.00} to my checking account XXXX. Supervisory review by CFPB XXXX XXXX of Bank XXXX XXXX XXXX use of delinquency as a denial reason The matter remains unresolved.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bank with US Bank. I have a personal and a business account. As Saturday, XXXX XXXX, my personal account was scheduled to be closed, with no estimated closing date. Essentially, this means XXXX locked out of my money and any other related services with the personal account. I requested for managers and my client relations person at my local branch to contact whoever is necessary to allow me to withdraw my funds early and do an early closing on the account. I havent been able to get this approved yet. I have bills that need to be paid right now and rent coming up on the first. I had a few unauthorized transactions on my account which I reported as fraud. I believe this is the reason for the closure. Although all principal funds in my account have been cleared from checks deposited well over XXXX weeks ago.

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 2025-11-25 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: Ava Finance, Inc
State: IL

Complaint narrative:
Ava XXXX has reported late payments on my credit file despite the account showing a {$0.00} balance and despite the fact that the platform provided no available option to make a paymentoften only allowing payment, which were unsuccessful. These late payments are inaccurate and misleading, and I have made multiple attempts to dispute them online, by mail, and by email. Each time, Ava XXXX failed to provide any supporting documentation or conduct a reasonable investigation as required under the FCRA. The continued verification of this inaccurate information, without substantiation, reflects negligent, unfair, and deceptive reporting practices. Given repeated failures to correct or validate the information, I am requesting immediate removal of these false late payments from my credit report.

Company response to consumer: Closed with explanation