vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX OF XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent accounts.

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 2025-11-14 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:
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 ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP
State: MD

Complaint narrative:
I discovered that Associated Bank was withdrawing a $ 3 monthly fee from my XXXX account because of a balance below {$2500.00}. This account existed from a previous employer. They only started doing this in XXXX. The fee is essentially theft because I am in a catch XXXX since I can not contribute as I am no longer on a high deductible plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
This is my second complaint against this company, previous is complaint number : XXXX My first complaint addressed the coercive, inappropriate, and harmful comments made to me on XX/XX/year>, during a phone call in which the representative told me that I needed to make amends and that paying the alleged debt was a moral obligation. These statements referenced my personal recovery, were unprofessional, and constituted improper pressure to induce payment. 

Following that call, I drafted a formal cease-and-desist letter on XX/XX/XXXX and mailed it on XX/XX/year>, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to stop all communication. 

This second complaint is being filed because, despite that written cease-and-desist request, the company continued to contact me and even mailed me a packet containing information I did not request. This continued communication violates my explicit written demand to cease all contact. 

These actions constitute violations of : FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) Communication after written notice to cease FDCPA 806 ( 15 U.S.C. 1692d ) Harassment, abuse, or the use of coercive language FDCPA 807 ( 15 U.S.C. 1692e ) * * Misleading or deceptive representations, including implying a moral or character obligation FDCPA 808 ( 15 U.S.C. 1692f ) * * Unfair or unconscionable means of collection The companys conduct both the coercive remarks and the violation of my written cease-and-desist has caused significant emotional distress, confusion, and unnecessary pressure. 

I am requesting : 1. Statutory damages up to the FDCPA maximum of {$1000.00} 2. Additional compensation for harassment and emotional harm 3. A formal written explanation from the company stating : o Whether my cease-and-desist letter was received o Why communication continued afterward, including the mailing of the packet o Why a representative made coercive statements regarding making amends and moral obligation o What corrective measures will be taken to ensure full FDCPA compliance I have obtained legal representation due to this companys continued violations of the FDCPA. If the company fails to resolve this matter immediately, we will pursue all available remedies to the fullest extent of the law. 

I am fully aware of my consumer rights, the legal limits on collection activity, and the protections that apply when a debt is time-barred and after a written cease-and-desist. The companys conduct has been unlawful, coercive, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
NewRez, You sent me another customers foreclosure letter with their financials. 
You know exactly what that means and what follows. 

Your records are compromised. Your controls failed. 
Everything tied to my account is now in question. 

Correct my file immediately. 
Im preserving this for what comes next. 

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 2025-11-14 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute for several items on my TransUnion credit report. The charged-off accounts and inquiries listed below require correction due to reporting errors, which I believe violate the FCRA. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8400.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXXL Account Number : XXXX Date : XX/XX/XXXX Balance : {$4400.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$4600.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Company : GoodLeap, LLC Product : Solar / Home Improvement Financing Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Complaint GoodLeap is enforcing financing and a XXXX lien on my home for solar and HVAC work that was never completed and has been in dispute for over XXXX years. 

The installer never finished the solar system or the AC installation. The incomplete AC has caused over $ XXXX in extra electric costs, and the solar system has never worked at all. 

This began in XXXX, and since XX/XX/XXXX, I have repeatedly contacted both GoodLeap and the installer by phone and email. No one has returned a single call or email. No one has come to fix anything. The system has never been delivered in a usable or complete form. 

Despite this, GoodLeap continues to hold a XXXX lien on my property, even though they financed work that was never provided. The contractor they funded breached the contract, and GoodLeap has ignored all dispute attempts. 

At this point, I do not want the project completed at all. After years of no action, I only want removal of the XXXX lien  and termination of the financing obligation tied to this incomplete and nonfunctional installation. 

Requested Resolution Immediate removal of the XXXX lien Termination of financing, since the product was never completed Written confirmation that the account is closed GoodLeap has had years to resolve this and has chosen not to. I am requesting CFPB assistance because the company is maintaining a lien and financing for work that was never completed, never delivered, and never corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MI

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 explanation
Consumer complaint received 2025-11-14 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: Global Lending Services LLC
State: TN

Complaint narrative:
GLS responded to my previous CFPB complaint, but they did not provide all of the documents used to verify the account. They only provided the contract and payment history. They did NOT provide the original loan application, which is the document that contains the incorrect spelling of my name. 

The application for this account has my name spelled incorrectly as XXXX, which does not match my legal name ( XXXX ), my Social Security record, or my ID. Because GLS did not include or verify the application, they did not fully verify the account.

Their response does not address the identity error or the missing documents. The account can not be verified under the wrong name, and GLS did not provide the complete documents required for verification. 
I am requesting deletion of this account because it has not been legally or fully verified to belong to me. 
Previous CFPB Case No : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I DO NOT RECOGNIZE THIS FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is my second complaint. My first complaint was " closed '' but the company did nothing. Is that considered a legitimate response? Apparently this practice has been going on for years, with XXXX if not XXXX of people with similar stories to mine. Is this CFPB going to act? Is there anyway to force compliance other than suing them? If not I will be preparing my lawsuit. I have spent XXXX hours on the phone with Synchrony trying to solve this problem- all they do is give me the run around and not provide any useful information.. This is criminal and will be treated as such - stealing from your clients on a mass scale should cause major alarms at the CFPB and will end in a multi-million if not multi-billion dollar lawsuit. There is no way to redeem your points which were earned. It is impossible. Therefore, the points are completely fraudulent and a lie.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Problem with XXXX XXXX. They opened an account for me, but then XXXX day someone sent me money, and they closed my account and still haven't given me my money for a month. They called and asked for information about who sent me the money from this person. Why information about who sent me the money? I was working somewhere, and they paid me money and Capital somewhere. XXXX calls me and says, " Who sent you the money? Give me their full contact information. That's how I'll ask. '' If someone pays me money, and I ask, " Can you give me their contact information and all the information? '' I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 submitting this complaint because Equifax is reporting items that I believe are inaccurate or unverifiable. I request a full FCRA reinvestigation and documentation proving the accuracy of the disputed accounts. 

XXXX. Charged-Off Account XXXX : XXXX Reported XX/XX/year> {$510.00} I dispute this account as Equifax has not provided proper verification of the debt, date opened, or delinquency. Please validate this account or remove it. 

XXXX. Late Payments ( Unverified / Incorrect Reporting ) I dispute the accuracy of the late payments listed below and request proof of delinquency and complete account histories. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  XXXX These late-pay entries must be validated or removed if they can not be proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 explanation