vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$470.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$650.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$620.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$620.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$590.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$45.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. 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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding GoodLeap, LLC Date : XX/XX/year> Loan Agreement No. : XXXX Borrower : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX Summary of Complaint I am filing this complaint regarding deceptive and unfair lending practices related to my GoodLeap solar loan. The terms and risks of the loan were not properly disclosed to me at the time of sale, and several statements made by the salesperson were false or misleading. These misrepresentations have resulted in substantial financial harm. 
XXXX. Misrepresentation of Payment Structure I was told my monthly payments would stay low for the life of the loan. I was never informed verbally of the requirement to make voluntary prepayments totaling XXXX  % of the loan amount ( approximately {$19000.00} ) within the first XXXX months to prevent a significant increase in my monthly payment. This critical condition was not disclosed or explained before signing. 
XXXX. Misleading Tax Credit Representations The salesperson told me the federal solar tax credit would cover up to {$20000.00} of my loan. This was untrue. I did not receive tax credits anywhere near that amount. No one explained that eligibility depends on tax liability or that failing to receive these credits would cause my payments to rise dramatically. 
XXXX. Failure to Disclose Security Interest / Lien I was not told that XXXX would place a UCC lien on my solar equipment or that they could remotely disable, enter my property, or remove my panels upon default. I only learned this after reviewing the lengthy contract later, long after signing. 
XXXX. System Did Not Function for Over a XXXX My solar system did not become operational for more than a year after installation. The loan continued to accrue interest and I was required to make some payments despite receiving no energy benefits, which created significant financial burden. 
XXXX. XXXX Issues and Lack of Accountability The XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) has since faced widespread complaints and legal actions. XXXX disclaims responsibility for XXXX misconduct despite financing the system and benefiting from the transaction. 
Requested Resolution I request the CFPB investigate XXXX sales and disclosure practices and provide relief from unfair terms, including modification of the payment escalation tied to the undisclosed XXXX % prepayment, loan restructuring or partial forgiveness, and removal of the lien if appropriate. 
CC : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I called on XX/XX/year> in an attempt to make my XXXX mortgage payment which I am aware is late. I called since Im not able to make only XXXX payment online after the XXXX which was an error on my part due to my work schedule and having XXXX kids the day just passed by. I called and the rep advised that they refused to accept my XXXX payment until I can call back with XXXX and XXXX payment. Ive done this in the past and have never had an issue making my previous months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am a business owner with XXXX XXXX XXXX XXXX XXXX. Today at XX/XX/year> @ XXXX I was contacted by Jefferson Capitol Systems LLC XXXX XXXX XXXX. 
XXXX, MN XXXX They were inquiring about an employee of mine. They were extremely rude and harassing. Threatening to call ice and my employee isnt even XXXX I told them they were calling a business and the guy laughed and said he doesnt care! This company needs to be educated by the law in regards to calling employee concerning employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
* * CFPB Complaint Furnisher Violation Summary * * Creditor : XXXX XXXX / XXXX XXXX Account Type : XXXX XXXX XXXX Loan Issue : Reporting false balance, false delinquencies, and inaccurate derogatory information. 
This creditor is reporting an impossible debt on a credit-builder loan which by design * can not * generate a pastdue balance. All payments were secured and automated, and at completion I received a refund, confirming the account matured properly. 
Despite this, the creditor reports : A {$530.00} balance XXXX and XXXX-day late payments Derogatory status Past-due updates as recent as XX/XX/year> This is materially false and violates the FCRA. 
The creditor is failing to maintain accurate reporting and failing to correct known errors. 
Requested CFPB Action : XXXX. Require XXXX XXXX/ XXXX XXXX to delete the account entirely, or XXXX. Compel the creditor to correctly update the account to {$0.00} balance, no late payments, paid as agreed. 
The inaccurate reporting is causing harm to my creditworthiness and opportunities. 
I request immediate investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

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 ] 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 non-monetary relief
Consumer complaint received 2025-12-03 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 disputed a child support account being report on my credit report the came back with verified then i requested a reinvestigation with detailed method of verification nothing received. 
I requested for the state guideline with no response Trans Union fail to investigate a child support account on my credit report breach 15 USC 1681I this civil violations this has block me from market my business opportunity and expanding and emotional damages being label a dead beat father.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I reported my card stolen and got assistance with disputing quite a few transactions I received multiple emails stating my claim was denied and the reasoning makes absolutely no sense. This is what they said why my claim was denied. After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. Based on our review, we found this transaction is consistent with your payment history. I received money in my account for getting into a car accident Im not able to work at the moms so that was money to pay bills. I have a XXXX  day pay or quit notice due to this happening & they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

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, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX sent a email, mailed and faxed etter to Chime, my on-line bank on XX/XX/year>, with more details regarding the dispute and all the transaction information as well the police report. They have gotten no response. Now I am filing this complaint report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
From XXXX XXXX through XXXX XXXX XXXX, my small business checking account was charged XXXX XXXX overdraft fees. Each fee was XXXX XXXX dollars, totaling XXXX XXXX XXXX XXXX dollars taken in less than XXXX weeks. On XXXX XXXX and XXXX XXXX, additional fees were charged, continuing the same pattern. 

This was not a typical overdraft situation. It was a cascade of automated charges triggered by small purchases, many under XXXX dollars. Several items posted out of expected order, which caused multiple penalties to stack rapidly. 

I have been a long time customer, and throughout this year alone I have paid many overdraft fees without disputing them when I was clearly at fault. I do not avoid responsibility and I do not file complaints lightly. My history shows that I normally resolve these situations myself and pay the charges. This pattern of XXXX XXXX fees in XXXX days is not normal, and that is why I requested help. 

I contacted the company several times through the secure message platform. None of the replies acknowledged the number of fees, the dates involved, or the unusual posting order. Instead, I received basic policy reminders. XXXX response even told me to stop using the secure message system for this issue, which felt dismissive and left the problem unresolved. 

I am not requesting a full refund. I asked the company for a reasonable review of the posting sequence and a fair adjustment considering the volume and speed of the fees. They did not address the core issue. 

I am requesting that the CFPB review the overdraft fees applied between XXXX XXXX and XXXX XXXX, including the posting order and the companys failure to meaningfully respond to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
On Monday, XX/XX/year>, I made a purchase at a XXXX food truck for approximately {$15.00}. I ordered one sandwich meal. However, my Capital One debit card was charged {$96.00}, which is far higher than the actual cost of the order. The food truck did not provide a receipt. 

I contacted Capital One immediately to dispute the incorrect charge. I explained that the amount was wrong and that I never authorized a {$96.00} purchase. Capital One told me that they could not process the dispute unless I provided a receipt. I explained multiple times that a receipt was not given and can not be obtained from the food truck. 

I escalated the dispute, but Capital One continued to refuse assistance and would not investigate further without documentation that does not exist. They have not offered any alternative way to verify the correct amount, and they have not resolved the issue despite the clear discrepancy between the purchased item and the amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation