vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-07-31 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: NV

Complaint narrative:
In XX/XX/XXXX, GoodLeap approved an installment loan of {$10000.00} using my elderly mother 's credit for artificial turf installation at our residence, creating a split liability arrangement that complicates warranty remedies. This coordinated lender-contractor scheme violates federal consumer protection laws by targeting vulnerable elderly borrowers while making warranty disputes more difficult to resolve. 

The artificial turf failed under normal XXXX XXXX heat conditions in XX/XX/XXXX, just XXXX months after installation. When I filed a warranty claim, Big Bully Turf denied coverage using vague exclusions that violate the Magnuson-Moss Warranty Act 's requirements for clear and conspicuous warranty language. On XX/XX/XXXX, the XXXX 's VP admitted that warranty denials happen " dozens of times, '' establishing a pattern that affects multiple GoodLeap borrowers. He also bragged about regulatory capture, stating " the Nevada XXXX would side with us. '' The situation worsened on XX/XX/XXXX, when the XXXX 's Nevada license was suspended for unlicensed operations, creating additional consumer protection violations. On XX/XX/XXXX, I sent GoodLeap detailed compliance notification documenting the contractor license suspension, federal law violations, pattern evidence, and requesting Fair Credit Billing Act protections for the defective financed product. GoodLeap responded with generic deflection, ignoring all federal law violations. Their internal communication revealed a strategy to treat this as " non agency level 3, '' showing deliberate regulatory avoidance rather than consumer protection compliance.

This coordinated scheme includes point-of-sale financing arranged through the contractor relationship, with GoodLeap 's representative directly involved in sales and warranty communications. The complex financing structure using my elderly mother 's credit for a product I use was designed to complicate remedies. GoodLeap failed to disclose the contractor 's systematic warranty denial pattern and both companies are stonewalling consumer protection requests despite the contractor 's license suspension and pattern admissions. This systematic coordination between lender and contractor to avoid warranty obligations while exploiting elderly borrowers violates unfair lending practices regulations, Truth in Lending Act disclosure requirements, Fair Credit Billing Act dispute procedures, and elder financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 21 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 21 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
For over 9 months, I have disputed late payment notations on the accounts below with both furnishers and credit bureaus. Despite repeated disputes, I have not received any lawful reinvestigation under FCRA 1681i ( a ). The bureaus continue reporting inaccurate, inconsistent, and unverifiable data in violation of FCRA 1681e ( b ) and XXXX XXXX standards. 

The following accounts remain non-compliant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received physical billing statements by mail, as required under the Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ). Furnishers continue responding with generic pre-printed computer-generated templates, not actual records or legal investigations as required by law. These are not acceptable forms of verification under FCRA or TILA and fail to meet the definition of a reasonable investigation under Cushman v. TransUnion Corp.

The reporting across bureaus is inconsistent, contradictory, and damaging. I have received no evidence that a meaningful reinvestigation occurred.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For over 9 months, I have disputed late payment notations on the accounts below with both furnishers and credit bureaus. Despite repeated disputes, I have not received any lawful reinvestigation under FCRA 1681i ( a ). The bureaus continue reporting inaccurate, inconsistent, and unverifiable data in violation of FCRA 1681e ( b ) and XXXX XXXX standards. 

The following accounts remain non-compliant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received physical billing statements by mail, as required under the Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ). Furnishers continue responding with generic pre-printed computer-generated templates, not actual records or legal investigations as required by law. These are not acceptable forms of verification under FCRA or TILA and fail to meet the definition of a reasonable investigation under Cushman v. TransUnion Corp.

The reporting across bureaus is inconsistent, contradictory, and damaging. I have received no evidence that a meaningful reinvestigation occurred.

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 2025-07-31 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 letter is a formal dispute and request for deletion of a fraudulent account listed on my credit report. I have reviewed my file and discovered an account that is not associated with me in any way. I did not open this account, and I have never given anyone permission to open accounts on my behalf.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AP

Complaint narrative:
In XX/XX/year>, I was notified via email that I had received a message in the Credit Acceptance app. When I checked the app, it stated that my AutoPay had been canceled. I did not authorize or initiate this cancellation. I never contacted Credit Acceptance requesting AutoPay to be stopped, nor did I log in and cancel it myself.

As a result of this cancellation, my scheduled payment for XX/XX/year> did not process. I was not made aware that my payment had failed until I saw a 30-day late mark on my credit report in XX/XX/year>. This caused my credit score to drop significantly, despite having made 100 % on-time payments for over two years.

I contacted Credit Acceptance by phone in XXXX and requested records proving how AutoPay was canceled- specifically call logs, IP address logs, and system records. The representative stated they could not provide those details and that the cancellation was listed internally as " customer canceled. '' I requested an internal investigation, but I was told the call recordings are for internal purposes only and may not be available from XXXX due to how far back it was. 

I have also mailed a dispute letter to their offices over 20 days ago and have not received any resolution or follow-up. I am disputing the 30-day late mark and requesting that it be removed due to failure on Credit Acceptance 's end to provide sufficient proof that I authorized the cancellation of AutoPay.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had an account with XXXX XXXX. I tried to pay what I could during my divorce and after. The company that sold my account. Who purchased a bulk of accounts told me that I owe an amount that the company said. That wasn't correct. I asked for a copy of the balance of my account is higher. I paid a discount amount. The account should be pay off. But want more and keeping taking it out of my saving account. Refused to send me notice of the withdrawn of their requests. 
The company is Portfolio Recovery Associates , LLC. 
I asked to finalize the amount, but they will not forward a copy of the statement of my balance XXXX XXXX. I noticed it is the same amount each month with a bill to me. No proof of my obligation owes. According to my credit report is higher. The amount is less on another site and their last statement is less than I all of them. They are holding me back with this action on their part. 
I want this nightmare to be handle. They will not talk to me because have a dispute with them. How do I know if XXXX XXXX been paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ SEE ATTACHMENT FOR ACCOUNT DETAILS AND IDENTITY VERIFICATION ] I am disputing multiple items on my credit reports that are inaccurate, inconsistent, or unverifiable under the Fair Credit Reporting Act ( FCRA ). These include a collection account reported by XXXX XXXX XXXX, outdated and incorrect personal information, and unauthorized hard inquiries. 

The XXXX XXXX XXXX collection account ( original creditor : XXXX XXXX ) appears under different account numbers and formats across Equifax, Experian, and TransUnion. The data fields such as account number, payment history, and account type vary between bureaus, resulting in inaccurate and duplicative reporting. The payment timeline includes illogical sequences ( e.g., an OK status followed by charge-off, then a 120-day late ), which violates Metro 2 formatting standards and FCRA 1681e ( b ). Despite previous disputes, this debt remains unvalidated under FDCPA 1692g ( b ), and XXXX XXXX has failed to provide any signed agreement or sufficient verification. I am requesting full deletion, not correction. 

Additionally, my credit file contains inaccurate personal information, including incorrect name variations, more than a dozen outdated addresses, phone numbers I never used, and employers I did not authorize to be listed. Even if some of this information was historically associated with past accounts, it no longer meets the standard of current accuracy and should be suppressed or deleted in accordance with FCRA 1681e ( b ). 

Lastly, I am disputing unauthorized hard inquiries on my TransUnion and Experian reports. These inquiries were not tied to any credit applications I knowingly submitted and violate FCRA 1681b due to lack of permissible purpose.

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 2025-07-31 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:
[ SEE ATTACHMENT FOR ACCOUNT DETAILS AND IDENTITY VERIFICATION ] I am disputing multiple items on my credit reports that are inaccurate, inconsistent, or unverifiable under the Fair Credit Reporting Act ( FCRA ). These include a collection account reported by XXXX XXXX XXXX, outdated and incorrect personal information, and unauthorized hard inquiries. 

The XXXX XXXX XXXX collection account ( original creditor : XXXX XXXX ) appears under different account numbers and formats across Equifax, Experian, and TransUnion. The data fields such as account number, payment history, and account type vary between bureaus, resulting in inaccurate and duplicative reporting. The payment timeline includes illogical sequences ( e.g., an OK status followed by charge-off, then a 120-day late ), which violates Metro 2 formatting standards and FCRA 1681e ( b ). Despite previous disputes, this debt remains unvalidated under FDCPA 1692g ( b ), and XXXX XXXX has failed to provide any signed agreement or sufficient verification. I am requesting full deletion, not correction. 

Additionally, my credit file contains inaccurate personal information, including incorrect name variations, more than a dozen outdated addresses, phone numbers I never used, and employers I did not authorize to be listed. Even if some of this information was historically associated with past accounts, it no longer meets the standard of current accuracy and should be suppressed or deleted in accordance with FCRA 1681e ( b ). 

Lastly, I am disputing unauthorized hard inquiries on my TransUnion and Experian reports. These inquiries were not tied to any credit applications I knowingly submitted and violate FCRA 1681b due to lack of permissible purpose.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a XXXX  resident reporting violations by Experian and several furnishers who continue to report and verify inaccurate, derogatory information on my credit fileeven though my secondary consumer reporting agencies are frozen.

I have disputed these accounts five or more times, and yet they continue to show verified without correction. This is legally impossible, as I have active security freezes on : XXXX XXXX XXXX XXXX  ( merged with XXXX ) XXXXXXXX XXXX XXXX  ( Experian-owned ) XXXX XXXX ( XXXX XXXX XXXX ) These agencies are used to verify identity, payment history, and account details. Without access to them, no company can legally or accurately verify my information. 

Affected accounts include : XXXX ( {$9900.00} open and past due ) XXXX  ( 2 charged-off accounts : {$110.00} and {$47.00} ) XXXX XXXX ( 2 open accounts ) I am not disputing the accounts themselves, but the late payment history being reported and verified is inaccurate. Since the secondary bureaus were frozen, XXXX XXXX could not have properly verified these late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} charged off ) XXXX XXXX XXXX ( 2 paid, closed accounts ) I am requesting a full investigation and removal of each item or derogatory element that can not be legally verified. These actions violate the FCRA, including : 604 : No permissible purpose to access frozen files 611 : Failure to properly investigate consumer disputes 623 ( a ) : Reporting unverifiable and inaccurate data 605 : Obsolete data concerns 602 : Violation of the laws intent FACTA 312 ( implied ) : No ability to verify during freeze 15 USC 1681n and 1681o : Civil liability for willful and negligent noncompliance This issue is also being reported to the Georgia Attorney General under the Fair Business Practices Act.

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendbuzz Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX and financed it through Lendbuzz with a {$7000.00} down payment. The loan amount was {$44000.00} with a fixed interest rate of 17.26 % and an APR of 19.02 %. The loan term is 6 years with monthly payments of {$980.00} due on the XXXX of each month. 

After reviewing the terms and payments, I believe the interest rate is excessively high and potentially abusive. I requested detailed information and clarification from Lendbuzz but did not receive satisfactory responses.

I believe the financing terms may violate consumer protection laws and possibly took advantage of my situation, given that I do not have a Social Security number. I am submitting this complaint to ask for investigation and assistance from the Consumer Financial Protection Bureau to ensure fair treatment and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nDate: XXXX XXXX XXXX\n\nTo:\XXXX\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: URGENT Dispute of Reinserted and Inaccurate Account  AMERICAN EXPRESS Account #XXXX\n\nDear XXXX,\n\nI am writing to dispute a reinserted and inaccurately reported item that has recently reappeared on my credit report without proper notification, which is a direct violation of the Fair Credit Reporting Act (FCRA), Section 611(a)(5)(B).\n\nThe account in question is:\n\t\tCreditor: American Express\n\t\tAccount Number: XXXX XXXX XXXX XXXX\n\t\tDate Opened: XXXX\n\t\tStatus: Charged off, XXXX written off, with XXXX  past due as of XXXX XXXX\n\n\n Issues Identified:\n\t1.\t Reinsertion Without Required Notice\nThis account had previously been removed or suppressed and has now reappeared on my credit report. Under FCRA Section 611(a)(5)(B), the credit bureau is required to provide written notice within 5 business days of reinsertion. I received no such notice.\n\t2.\t Inaccurate and Misleading Payment History\nThe reporting reflects charge-off statuses (CO) from XXXX XXXX through XXXX XXXX, despite the account showing as charged off in XXXX XXXX Continuing to report charge-off statuses after the charge-off date is inaccurate and misleading, which may be considered re-aging.\n\t3.\t No Record of Payment Activity\nThe payment and balance history show XXXX  paid every month, yet the balance has not changed and no explanation is provided about any payments, collections, or actual charge-off activity.\n\n Requested Actions:\n\t1.\tConduct a full reinvestigation of this account as required under the FCRA.\n\t2.\tProvide the method of verification used, including the name and contact information of the furnisher (American Express).\n\t3.\XXXX  the date and reason for reinsertion and why no notice was sent to me as required by law.\n\t4.\tDelete or correct the account to reflect accurate charge-off activity and stop reporting post-charge-off statuses.\n\t5.\tIf the account cannot be verified in full compliance with the FCRA, please remove it entirely from my credit report.\n\nPlease respond to this dispute within the 30-day timeframe outlined by federal law. A failure to respond appropriately or to correct this inaccurate reporting may result in formal complaints to the Consumer Financial Protection Bureau (CFPB) and legal action for FCRA violations.\n\nThank you for your attention to this urgent matter.\n\nSincerely,\nXXXX XXXX XXXXnSSN: XXXX\nDOB: XXXX

Company response to consumer: Closed with non-monetary relief