vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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:
Ive noticed multiple inaccurate accounts reporting to my credit profile without my consent

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 2025-12-28 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: FL

Complaint narrative:
I am disputing the following accounts reported by Experian due to inaccuracies or misreporting of the information, which I believe does not reflect my actual credit history.

Disputed Accounts : XXXX, XXXX, XX/XX/XXXX, {$7200.00} XXXX, XXXX, XX/XX/XXXX, {$4000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$590.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Late Payments 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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a consumer complaint regarding our loan account with GoodLeap Lending. I am in the process of transferring the remaining balance to another lending institution and closing my account ; however, due to the seriousness of the issues described below, I believe a formal record is necessary.

After the introductory period on my loan ended, the structure of the loan resulted in extremely high front-loaded interest. Despite making consistent monthly payments over a period of several years, an unreasonably small portion of my payments was applied to principal. As a result, my loan balance showed little to no meaningful reduction over an extended timeframe. This structure was not clearly disclosed in a way that allowed me, as a consumer, to reasonably understand the long-term financial impact.

In addition, although I paid my loan consistently via my banks bill pay service, GoodLeap initiated several additional withdrawals from my checking account each year without my authorization. I have never received a clear explanation for these withdrawals, nor have I been provided documentation showing where or how these funds were applied to my account, if at all. These unauthorized debits caused financial stress.

Taken together, the excessive front-loaded interest, lack of transparency, minimal principal reduction over years of payments, and unexplained withdrawals raise serious concerns about predatory lending practices. At no point was I provided clear, proactive disclosure that my payments would function in this manner or that additional debits might occur.

I am requesting that this complaint be formally reviewed and documented. I also request a complete accounting of all payments made on my account, including a detailed explanation of any and all withdrawals initiated by GoodLeap outside of my standard monthly payments.

This letter serves as notice that I am preserving all documentation related to this account and may share this complaint with appropriate regulatory agencies.

Please confirm receipt of this complaint and advise me of any next steps. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to dispute inaccuracies and incomplete information reported on my credit report. Below are the details of the accounts in dispute, separated by bureau. I respectfully request that the necessary actions be taken to resolve these issues under the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX  XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-28 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: CA

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  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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
This complaint concerns the XXXX XXXX account currently reporting as charged off and in collection with a past-due balance across TransUnion, XXXX, and XXXX. 

Despite multiple disputes, this account continues to be verified through the OSCAR system without any evidence that XXXX conducted a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). At no point has XXXX provided documentation establishing a valid permissible purpose to continue furnishing this account under 15 U.S.C. 1681b, particularly after the account was charged off and allegedly transferred, sold, or otherwise lost.

Additionally, the account contains material Metro 2 reporting inconsistencies, including but not limited to : Conflicting high credit and credit limit amounts Inaccurate and inconsistent past-due balances Contradictory account status and payment history reporting These inconsistencies result in a misrepresentation of the accounts true status and unfairly damage my consumer reports. Furnishing inaccurate or misleading information violates both FCRA 1681s-2 ( a ) and Metro 2 reporting standards.

I am requesting CFPB intervention to : Require XXXX to produce documented proof of a valid permissible purpose Enforce full Metro 2 compliance Require deletion of the account if lawful verification and documentation can not be produced Continued verification without substantiation constitutes improper reporting and ongoing consumer harm.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have made multiple substantial payments and every time I did my amount owed never seemed to change the proper amount and It actually kept increasing even with my payments and not even using the card for months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Inquiries : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year>

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 2025-12-28 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: VA

Complaint narrative:
I am writing to file a dispute regarding the following items on my credit report. These accounts are inaccurate or incomplete, and I request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts, separated by each bureau. 

Charged Off Accounts XXXXXXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payment 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am submitting this complaint because I have received official documentation from XXXX XXXX, provided in response to a CFPB complaint, stating that {$3100.00} of my refund was returned to PayPal, with {$38.00} retained by XXXX XXXX for a separate issue. 

Based on XXXX XXXX CFPB response, PayPal is now in possession of the refunded funds that were originally issued to my closed XXXX XXXX account. Despite this, I have not received the refund, nor has PayPal issued payment to me. 

Background PayPal issued a refund totaling {$3100.00} to my closed XXXX XXXX account. 
XXXX XXXX has stated in writing, in a CFPB response, that they returned all funds except {$38.00} to PayPal. 
I do not have an active XXXX XXXX account, and therefore any returned funds must be issued to me directly. 

Current Issue Because XXXX XXXX has confirmed that the refunded funds ( less {$38.00} ) were returned to PayPal, PayPal must now release those funds to me. I have not received a check, electronic payment, or any other form of reimbursement for this amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citigorup ( the " Company '' ) mentioned in its XX/XX/year> letter that the Company does not recognize my email address as used with the CFPB ( the " Agency '' ) ; the Company continues to discriminate against my email address for being an email address with my personal domain ( XXXX ). This reply is a consistent reply with the Company in previous complaints with the Agency and I personally consider the Company is committing this with scienter. The Company had an agent identified as " XXXX '' whom contacted me after I contacted the Company on XXXX ; XXXX was a witness of all the mistreatments and hostile and aggressive behavior the Company perpetuated through its representatives, and mentioned that she was going to submit this inquiries along with my request of compensation above the XXXX USD ; this statement proved to be another attempt to defraud me by the Company because I have not received any sort of amount of credit or monetary amount besides the XXXX USD. 

I want the Agency to assume jurisdictions to all the extent, and a monetary amount above the XXXX USD as mentioned by XXXX, for handling the situation with the Company. I want the Company to bring an amount that they understand is fair due to the situation, if we can not find common ground I do not discard reaching other mechanism to address this matter and get the credit as mentioned by XXXX from 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am trying to send money via XXXX from my personal checking account, {$2500.00}, which is below XXXX 's single transaction limit of {$3000.00}. The bank is blocking me from sending this money saying it's for fraud protection. I have asked for the fraud protection to be removed, they said no. 

The recipient of that XXXX transfer is myself with another banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the following credit reporting agencies : TransUnion, Equifax, and Experian, concerning inaccurate information on my credit report. 

Issue Summary : The report shows an account listed as XXXX XXXX, with a potential negative balance of {$3500.00} on my Experian report. 
TransUnion : This report indicates the account is closed on XX/XX/year> but includes two late payments. 
Equifax : This report states that the account is closed due to fraud. 

I want to clarify that I did not take out this loan, and this account should not be on my credit report. According to 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

This inaccurate information is negatively impacting my credit score. I need all three credit reporting agencies to be on the same page with my credit report. I request that this account be removed from all three credit reports immediately and that the two late payments also be removed, as they are based on fraudulent information. 

If these items are not removed, I will have no choice but to take legal action due to the presence of inaccuracies and fraud on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt responses.

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 2025-12-28 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:
Dear Sir/Madam, I am filing this complaint to dispute inaccurate, misleading, and improperly reported information on my credit reports from TransUnion. Despite prior disputes, these bureaus continue to report information that is inconsistent, duplicated, and unsupported by verifiable documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Inquiries : 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to request an update to my personal information on my credit file.

Please update my records with the following correct information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone Number : XXXX The information currently on file is incorrect I'M requesting that it be corrected/Deleted as soon as possible. I have enclosed copies of the necessary identification documents to verify my identity and support this request. 



Please confirm once the updates have been completed, or contact me if any additional information is required. 



Thank you for your time and assistance. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Over the last several statement periods, any paper statements from issuer Synchrony Bank ( XXXX XXXX, XXXX XXXX ) have arrived after the due date on the statement.

All other credit card issuer statements arrive well in advance of the due date, at least 7-10 days or more. 

I have contacted XXXX XXXX and XXXX XXXX customer service and have been told my statements are " issued '' at least three weeks before the due date. The solution they offer is to agree to paperless billing. For several reasons, I prefer to receive paper statements and pay Sychrony Bank a monthly service fee ( {$1.00} ) for every statement.

I don't believe the statements from Synchrony Bank issued cards are being mailed on time regardless of " issue '' date. I believe this is an effort to coerce hold out paper statement recipients to accept paperless statements. I have requested my statements be sent in a timely manner and am told my only solution is to agree to paperless billing.

Please help me resolve this issue.

Thank you

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
NAME : XXXX XXXX DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX LAST FOUR SSN : XXXX EXPERIAN DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I dispute the collection account reported on my credit report : Company Account Number Balance XXXX XXXX {$2400.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3800.00} XXXX  XXXX {$1300.00} XXXX XXXX {$1000.00} XXXX XXXX {$74.00} XXXX  XXXX {$720.00} XXXX  XXXX {$8600.00} XXXX  XXXX {$260.00} XXXX  XXXX {$1500.00} XXXX  XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$3600.00} I request a full investigation and removal of any inaccurate information from my credit file.

Section 611 ( a ) Procedure in Case of Disputed Accuracy : If a consumer disputes the completeness or accuracy of any information in their file, the consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The agency must review all relevant information provided by the consumer, complete the reinvestigation within 30 days, and promptly delete or correct any information found to be inaccurate or unverifiable. The agency must also notify the consumer of the results of the reinvestigation. 

Sincerely, 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 2025-12-28 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: CA

Complaint narrative:
I am disputing the accuracy of the following account reported on Experians credit report.

Charged Off : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$23000.00} Late Payment : Account Name : XXXX Account Number : XXXX Account Name : 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