vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I hase no knowledge of here are the inquiries that l 've found : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
My federal student loans were transferred to MOHELA from XXXX XXXX, and the servicing experience has deteriorated significantly since the transfer. I have experienced credit reporting issues, XXXX hour customer service wait times, and representatives who were unable to provide accurate information about my account. 

Most urgently, MOHELA has continued to assess interest on my loans despite the loans being in Administrative Forbearance under the SAVE Plan injunction, during which no interest should be accruing, per the emails I received from the Department of Education. This interest that has been charged in clear error. 

My primary goal in submitting this complaint is to have all improperly assessed interest removed and to ensure my account is accurately updated to reflect the correct amount. I am requesting full review and correction of all erroneous interest charges associated with this period.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 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: CO

Complaint narrative:
I am submitting this complaint legitimately and demand immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is critical.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a Bank XXXX XXXX account ( ending in XXXX ) with Experian on XX/XX/year>. The account is reported as a charge-off with a {$2000.00} balance and {$2000.00} past due. Experian marked the investigation as verified and left the tradeline unchanged. 

This verification is inaccurate and violates the Fair Credit Reporting Act because XXXX XXXX  XXXX no longer owns, services, or verifies this account. The account has been assigned to a third-party collection agency, most recently XXXX XXXX XXXX XXXX XXXX, XXXX confirmed in recent written communication. 

Because the account has been transferred for collection, Bank XXXX XXXX can not verify a current balance, can not verify a past-due amount, and can not provide accurate reinvestigation data. Experian conducted an unreasonable investigation by contacting the wrong furnisher. 

This violates : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) reporting information a furnisher knows ( or should know ) is inaccurate FCRA 623 ( a ) ( 3 ) failing to accurately update the tradeline as disputed After a debt is transferred or placed with a third party, the original creditor must report : {$0.00} balance {$0.00} past due Sold/Transferred status No new balance updates However, Experian continues showing : A {$2000.00} active balance A {$2000.00} past-due amount New balance updates as recent as XX/XX/year> A verification from an entity that no longer furnishes current data This is misleading, inaccurate, and harmful to my credit profile.

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 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX bank is the issue of the Home Depot credit card. I carried a balance on the credit card with a credit limit of XXXX I paid off half of that and then after which I paid off half that made regular monthly payments they told me after a letter that they decreased my limit to XXXX that it was due to me making late payments and carrying too high of a balance and not paying on it regularly, which I did I called and inquired and asked for specific reasons and to show me these specific reasons and they couldnt give me any. They just said to call the credit company. I asked for an increase which they denied I waited another XXXX months and asked for a small increase which they denied today. I asked for an increase and they denied and then I called and they just ran it again and denied it again. It is impossible to understand why they would do this and to understand why they would report to my credit this way I have great credit great payment history, and theres no reason for them to deny this. I think its may be based on my race or the fact that they just dont want admit their fault and think that I will forget about it.

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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My account at Chase bank was closed for Fraud with no explanation. Also at business account was closed as well. XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX is where is do most of my banking. I have been a customer for over 25 years and I AM XXXX XXXX XXXX. And no one can tell me what exactly happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
This complaint is related to prior CFPB complaint # XXXX against GoodLeap, which was closed without resolving the problem. The issues with this solar loan and lien are still ongoing and harming my family. 

GoodLeap financed a solar loan connected to XXXX XXXX and XXXX XXXX for my late mother, XXXX XXXX. The XXXX XXXX sales representative misrepresented the financial benefits of going solar and never clearly disclosed how the federal or dealer rebate actually worked. It was implied that the rebate would significantly reduce or even eliminate the loan payment. This misleading and incomplete information is what led us to agree to GoodLeaps financing. 

GoodLeap now claims they are separate from the installer and can not confirm or deny what was said, but they were the lender enabling the sale and should be responsible under consumer protection laws for loans obtained through deceptive or confusing marketing. 

The system and transaction remain in dispute. GoodLeap is still maintaining a UCC-1 fixture lien which clouds the property title, and in practice a title company will require that lien to be resolved before the home can be sold. GoodLeap has not provided proof of a real investigation, has not addressed the rebate nondisclosure, and has not offered a fair resolution.

I am requesting that GoodLeap : Remove the UCC-1 lien, Provide full documentation of their investigation and communications with XXXX XXXX , and Consider loan cancellation based on the lack of disclosure about the rebate, and ongoing hardship to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I make this statement based upon my personal knowledge and understanding of the events described below and declare that the following is true and accurate to the best of my knowledge. 

In or around XXXX XXXX, I deposited approximately {$9000.00} into my TD Bank checking account. These funds were received by check and deposited through standard banking procedures. The funds were not received through XXXX or any peer-to-peer payment platform. 

After the funds cleared, I made several XXXX transfers that were strictly personal and non-business in nature. On or about XXXX XXXX XXXX I sent a XXXX transfer of approximately {$1000.00} to my father, an immediate family member, to repay a prior personal obligation. On or about XXXX XXXX XXXX I sent an additional XXXX transfer of approximately {$800.00} {$1000.00} to the same family member as payment for monthly rent. 

The final XXXX transaction I initiated prior to the restriction was a nominal personal transfer of approximately {$15.00} {$20.00} to a personal acquaintance as reimbursement for food. 

All XXXX activity described above consisted of ordinary, personal transfers among known individuals. No business activity, commercial transactions, third-party processing, or unauthorized activity was involved. 

At no time prior to or during these transactions did TD Bank or XXXX provide any warning, disclosure, limitation notice, threshold notification, or communication indicating that my activity was impermissible, under review, approaching any internal limit, or subject to potential restriction. 

I first became aware that my XXXX access had been restricted near the end of XX/XX/year>, approximately between XX/XX/XXXX and XX/XX/year>, when I attempted to initiate a XXXX transfer and discovered that the service was no longer available. I contacted TD Bank on the same day to request clarification and assistance. 

Several days later, TD Bank advised that the restriction could not be lifted. No specific transaction-based reasoning, policy citation, disclosed threshold, or documented basis for the restriction was provided beyond generalized risk terminology. I was not informed of any compliance concern in advance, was not asked to clarify the source or purpose of the funds, and was not given any opportunity to adjust or modify my activity prior to the imposition of a permanent restriction. 

I am requesting a formal, written explanation identifying the precise basis for this restriction, including the specific policy provisions relied upon, confirmation of whether the restriction is permanent, and clarification as to whether any internal review, escalation, or eligibility reevaluation process exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im responding to Equifax again they are opening closed account that are supposed report as closed it been like this for over a month Im asking for all the accounts to be removed due to identity theft concerns due to Equifax data breach pleas remove the stated account in the photos, y'all are reporting all my information incorrectly Im going to take this to court is this is not resolved why are they open accounts I cant even get credit due to the way its reporting remove these now stop just updating stuff it makes no sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
I am submitting this XXXX complaint because the XXXX XXXX  account XXXXXXXX XXXX XXXX with a reported balance of XXXX continues to appear as a charge off in XXXX  and TransUnion even though the bureaus and the furnisher have repeatedly failed to validate or correct the information. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) the bureaus must ensure maximum possible accuracy, yet they are reporting a balance and charge-off status that have never been supported by proper documentation, including the absence of a mandatory 1099-C for any alleged debt over 600. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) I have the right to a lawful reinvestigation, but both bureaus continue to verify the account without evidence. XXXX XXXX  is also violating FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information they can not substantiate, and the continued reporting of disputed, unvalidated data violates 15 U.S.C. 605B and 15 U.S.C. 1681c-2 because such information can not legally remain on my file. After seven previous disputes, the account remains inaccurately reported with no proof, causing ongoing 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 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CSO Financial
State: OR

Complaint narrative:
I have been paying on this account for over XXXX  years it was originally XXXX consumer credit card for less XXXX I recently received a very rude and abusive call from a agent saying I was a liar and that I would purposely call in and make my payment with a different agent which I was not every time I XXXX XXXX pay with her she was never in so I made sure to get it in with anyone that could take my payment. She proceeded to tell me that I was not allowed to do that and ther would be consequences I then asked what my balance was beings I been paying for over XXXX  years and my balance almost doubled to XXXX which she then laughed and hung up. I'm not sure this is legal or ok or I paid the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am filing an identity theft complaint regarding multiple fraudulent accounts Equifax continues to report. These items were NOT opened or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX ( installment ) Kikoff LLC ( revolving/builder account ) These are identity theft accounts, and I have already filed an official FTC Identity Theft Report ( Report # XXXX ) and created sworn affidavits. Under FCRA 605B, Equifax is required to BLOCK these items within XXXX business days after receiving my identity theft documentation. 

However, Equifaxs systems are preventing me from submitting my documents : The fax number does not accept the submission The online portal keeps looping and will not allow document upload Customer service directed me to the same non-working options This is stopping me from exercising my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> inquary for cap one on my credit report. 
Called cap one card didnt go through it was still processing. Disputed application.

Also called credit Burris and reported fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
The hours are not customer friendly. The process to make a mortgage payment is extremely difficult. My loan was transferred to this lending institution and I was notified by letter 6 days after the transfer. The letter states that my loan would be available online for servicing on XX/XX/year> www.servicing.crosscountrymortgage.com. Unfortunately it is not. You can call in to pay your mortgage as well however no one answers the phone due to high call volume. ( XXXX ) XXXX. XXXX concerned about my escrow funds disappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CIG FINANCIAL LLC
State: LA

Complaint narrative:
As a current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had requested that the interest on my loan be limited by the Small Business Reinvestment Act ( SCRA ). Despite multiple attempts and providing the necessary documents, my request was denied. I needed a vehicle and decided to go forward with the process and purchase the vehicle under their terms. I received the vehicle in XXXX of 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation