vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/year> I signed a contract to have solar financed through Goodleap. The product has never been provided to me and for 3 years Goodleap has been deducting payments on a loan that is not enforceable.I requested my money and was not given a response, only we will look into it. That was 3 months ago. If Goodleap sent money to XXXX for a system that I did not receive then it is up to Goodleap to collect that money from XXXX not me. I have no product that Goodleap agreed to finance. It was up to Goodleap to ensure that permission to operate was obtained by their solar dealer. When Goodleap sent a certificate of completion the system was not complete and this is just fraudulant .. As of todays date that has not occured and the system is not complete. I have spoken with Goodleap several times and initially they told me I had PTO. When I provided information from my Public Utility showing I was still on the grid they retracted and said they would getPTO, but niot return my money that I paid 3 years and have no solar. This company can not be trusted and I do not want to have any busdiness dealings with them. It is not only that I did not get what I alledgedly financed but if a PTO was obtained as of todays date it would change my NEM status, change what credit would be do to me through XXXXXXXX XXXX XXXXXXXX and change the cost of what I pay for energy in addition to a solar loan. Ihave attached some of the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-21 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: CT

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 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday, Wells Fargo corrected my credit score from XXXX to XXXX. They also sent a check for {$270.00} as a token of appreciation for being their customer. I am glad Wells Fargo finally realized their mistake and removed adverse reports from my credit report. 

The next step is to pay for the damages that Wells Fargo has caused over the years. 

XXXX from the Wells Fargo escalation department called yesterday, XX/XX/XXXX, regarding the credit card and the loan complaint. I asked XXXX to explain the discrepancies in the XXXX XXXX credit card limits. According to an XXXX XXXX document that XXXX provided, the credit line was set at {$5000.00}. However, Wells Fargo had the credit at {$50000.00}. 
I asked XXXX to explain the discrepancy and how the credit line of XXXX jumped to XXXX. XXXX said that the cardholder called and requested a credit line increase, and Wells Fargo approved it. 
I told XXXX from my experience that to get a credit card, the bank will run a credit report. This also applies for a credit limit increase, which means Wells Fargo had to run XXXX credit reports for the XXXX XXXX XXXX. I asked if that was the case with XXXX card? 

XXXX said yes, but not sure, maybe so..... 
I requested proof that a credit limit increase was requested, and by whom, and that the bank ran XXXX credit reports for the {$5000.00} and the {$50000.00}.

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 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
We purchased our home in XXXX of XXXX, I believe in XXXX of XXXX our mortgage was sold to Newrez. When we got notice of the change we had filled out the form for auto pay, just as we had with our previous carrier Shellpoint, after we had initally been told that we wouldnt need to do anything different, just the names were changing. We had no notice that they didnt receive the paperwork. We had XXXX late charges assed to our account. While trying to call numerous times over the last couple years to have these fees removed, including them losing our power of attorney paperwork as well, and sending them the paperwork via certified mail and them claiming they still didnt have it ( someone there signed for it ). We have never missed a payment and just want the late fees of {$69.00} taken off our account so we can pay extra towards our principle online. Having these late fees prevents us from paying from our app. I have called numerous times over the years and am told that they can only remove 1 per year or its been to long, there is no way they will remove charges from that year was a response that I got when calling them in XXXX. This wasnt something that we did, they did it when they bought out mortgage, and clearly based on the terrible communication, filing of their documents and what seems like a never ending issue with this company, we would like to just have the late fees waved so we can pay our principle down since its obvious to see once we were " late '' 3 months the auto withdraw was finally processed and we havent " missed '' a payment since.

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 2025-08-21 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:
Upon reviewing my credit files, I have discovered that XXXX XXXX is inaccurately and inconsistently reporting my account information across the XXXX XXXX  credit reporting agencies. The issues identified are as follows : Equifax : Showing on-time payments, except for XX/XX/XXXX and XX/XX/XXXX ( showing no reporting ), and reporting a 120-day late payment in XX/XX/XXXX. 

XXXX  and XXXX  : Showing no reporting of this account at all. 

Additionally, I have documentation showing a {$0.00} balance and that the vehicle associated with this account was returned in XXXX. It is completely inaccurate and unreasonable for the company to report any late payments on an account with a XXXX balance and a vehicle that was surrendered years ago. 

This reporting is highly damaging to my creditworthiness and my ability to obtain credit from lenders. Furthermore, it does not comply with the Fair Credit Reporting Act. Per 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Your current reporting does not reflect maximum possible accuracy. I am formally requesting that you immediately investigate this matter, remove any inaccurate late payment history, and ensure that all three credit bureaus reflect correct and consistent informationspecifically that the account was closed with a {$0.00} balance and returned in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 

XXXX XXXX- This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

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 2025-08-21 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: GA

Complaint narrative:
I am filing this complaint because I have been the victim of identity theft. Accounts were fraudulently opened and/or reported in my name without my knowledge, authorization, or consent. These accounts are negatively impacting my credit profile and are not my responsibility. 

I have already taken steps to dispute these accounts with the credit reporting agencies and creditors. I have also provided proof of my identity, including my government-issued identification and supporting documentation, along with an identity theft affidavit. Despite these actions, the accounts remain on my credit reports. 

The creditors and/or credit reporting agencies have failed to properly investigate and remove the fraudulent accounts as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act. This inaction has caused continued harm to my credit and financial stability. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) ensure the immediate removal of all fraudulent accounts and inquiries resulting from this identity theft, and that the credit reporting agencies update my credit file to accurately reflect only accounts I personally opened and authorized.

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 2025-08-21 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: OH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: OH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I am writing regarding an unauthorized and inaccurate credit inquiry that appears on my credit report from Williams Rush & Associates dated XX/XX/year>. You represented this as an asset/liability verification, yet it is coded on my credit file as an installment loan application inquiry. I did not apply for credit with your company and did not authorize any loan application. 

Additionally, during our recent call on XX/XX/year>, your representative ( at extension XXXX ) stated that I would not be able to obtain a car or home loan while this alleged debt remains. This statement is coercive and misleading. The Fair Debt Collection Practices Act ( FDCPA ) 807 prohibits false, deceptive, or misleading representations in connection with debt collection.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
With respect to XXXX  XXXX : 15 U.S. Code 168, The Fair Credit Reporting Act, I, being a consumer, am entitled to an accurate and complete consumer report. Please see the attached notice which includes my identification that has my ONE NAME and ONE ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is a formal request for validation of the alleged debt referenced above, as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I request that you provide the following : 1. The name and address of the original creditor.

2. The date and amount of the alleged debt.

3. A copy of any judgment ( if applicable ).

4. Verification that you are licensed to collect debt in my state, including your license number.

5. Documentation bearing my signature that shows I am legally obligated to pay.

Until you provide this validation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. Be advised that any failure to comply with this request within 30 days will be considered a violation of federal law, and I will file a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-21 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
* * Subject : Complaint Regarding Inaccurate and XXXX XXXX XXXX Credit Acceptance Corporation * * * * To Whom It XXXX Concern, * * I am filing this formal complaint regarding * * inaccurate, misleading, and unlawful reporting * * on my credit report by all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in connection with a debt reported by * * Credit Acceptance Corporation * *, a debt collector and financing company.

# # # Summary of Issue : Credit Acceptance is reporting that my account is in a * * continuous state of repossession * * every single month throughout * * the year XXXX XXXX XXXX  despite the fact that the * * repossession occurred early in XXXXXXXX XXXX XXXX This pattern of reporting is not only inaccurate but appears to be an attempt to * * artificially extend the statute of limitations * * on the debt and harm my creditworthiness. 

# # # Specific Concerns : 1. * * False Reporting Pattern : * * Reporting " repossession '' status every month in XXXX is factually incorrect. The repossession occurred in early XXXX, and it is not lawful or accurate to repeatedly report that same event as though it happened multiple times. 

2. * * Violation of the Fair Credit Reporting Act ( FCRA ) : * * * Under * * 15 U.S.C. 1681s-2 ( a ) * *, furnishers of information have a duty to report data accurately.

* Continued inaccurate reporting constitutes * * furnishing false information * *, in violation of the FCRA.

3. * * Statute of Limitations Concerns : * * It appears this false reporting may be a tactic to * * re-age * * the account or extend the statute of limitations, which is a deceptive and unlawful practice under both the * * FCRA * * and * * FDCPA ( Fair Debt Collection Practices Act ) * *.

# # # Desired Resolution : I am formally requesting that : * The inaccurate monthly repossession notations for XXXXXXXX XXXX XXXX XXXX removed immediately * * from all three credit reports. 
* The * * original date of repossession in XXXX XXXX XXXX be correctly reported, if the item is to remain. 
* A full investigation be conducted into the reporting practices of Credit Acceptance Corporation.

* The item be * * removed completely * * from my credit reports if it can not be verified and corrected in compliance with federal law.

I have disputed this information directly with the credit bureaus, but the issue remains unresolved. I am now escalating this matter to the CFPB for review and intervention. 

Thank you for your attention to this matter. 

* * Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief