vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: MN

Complaint narrative:
On XXXX XX/XX/year>, I processed payment to payoff my loan with Goodleap/XXXX  . 

When attempting to pay off my loan, the transaction disappeared from my transaction history. I then referred to the loan payoff tool in the GoodleapXXXX XXXX XXXX This generated a second payoff quote despite payment having already been tendered for the first payoff quote. 

Goodleap/XXXX is refusing to honor the original payoff quote, and claims to have no record of it. They are stating that the only payoff quote of which they are aware is the second payoff quote. 

I was bounced around departments several times. GoodleapXXXX seemed to make an attempt to confuse the issue, and referred me to the incorrect department which came with a XXXX business day wait. A waiting period during which interest would still accrue. 

The company is now stating that I owe almost {$1000.00} after tendering payment for loan payoff. 

They refuse to honor the original payoff amount, and are stating they will continue to accrue interest on the account if I do not pay. 

It is my belief that this is an extortionary practice at worst, predatory at best. 

The issue was eventually settled, however GoodleapXXXX went to great lengths to discourage me from proceeding with the process of payoff. 

This is not the first issue I have had with this company, which is precisely why I opted to pay off the loan as quickly as possible. 

Borrower Beware : GoodleapXXXX will not allow you to make extra principal payments until you have paid through the interest wall. In other words, all of your interest is charged up front like a standard loan, but you are locked out of paying additional principal until you have paid that down. 

Additionally, paying extra into the principal does not pro-rate the interest accrual down as it is meant to in traditional loans. 

Finally, Goodleap/XXXX  refused XXXX send an email stating they would not ask for more money if I agreed to pay the extra amount which was added at the end. The representative went to great lengths to avoid this written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION

Complaint narrative:
I called XXXX XXXX on XXXX  XX/XX/XXXX at XXXX because I am trying to pay on my loans but they do not have an option to pay from and international bank account. I am an American citizen but I do not live or have any connections back in XXXX, such as a bank account, and they are refusing to let me pay my bill from my international account and threatening report me to the debt collection bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Unauthorized Transaction Complaint Chime Financial On XXXX XXXX, 2025, a total of {$1300.00} was withdrawn from my Chime account without my authorization. 

I reported the issue immediately and filed a dispute ( Claim ID : XXXX ). After waiting for several weeks, Chime closed the case and said the decision was final. However, they did not provide any clear explanation or evidence to prove that I authorized those transactions. 

I asked them to share proof such as device or IP data, ATM camera footage, or any verification records used in their investigation, but they refused to provide any of that information. 

These withdrawals were not made by me. I have never visited the locations or authorized such amounts. This situation has caused me serious financial stress and difficulty. 

I believe the investigation by Chime was incomplete and unfair, and I am requesting that the CFPB XXXX this case and help ensure that I receive a fair and transparent resolution. 

I can provide all related emails, screenshots, and transaction records to support my claim. 

Thank you very much for your time and understanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-13 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX  Balance {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX  Balance {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00}

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I contacted Upgrade Card on XX/XX/XXXX and XX/XX/XXXX. 
My XX/XX/XXXX contact was due to them increasing my balance and two additional months when my balance should had been paid for by XX/XX/XXXX. 
They manage purposely leaving balance to extend the time remaining to pay off my balance. My balance was approx {$100.00} with a month payment of apprrox. {$28.00} which should only take about 4 monthly payments. Yet they purposely extended the time length by stretching out the last payment only deducting +/- {$16.00} and leaving a balance of " {$2.00} '' to accused more interest. They also try to extend the time under autopay by scheduling only {$1.00} payment for XX/XX/XXXX payment. 
Post my contact on XX/XX/XXXX I was told to cancel my autopay and pay the balance " DUE '' of " {$2.00} '' to zero out the account. 
On XX/XX/XXXX, I log into my account to cancel my autopay and schedule a payment to take care of the remaining {$2.00}. As I schedule the payment for the " DUE DATE '' of XX/XX/XXXX, XXXX " INCREASES '' the balance by {$0.00}. Upgrade is increasing balance by the due date is unethical. 
Upon calling, their representative claimed its " accused interest '' when it is by the due date shows they are trying all tactics to stretch out the length of time to be able to collect additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 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 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to formally request the removal of the Fraud Alert currently placed on my credit file. I previously requested the freeze as a precautionary measure, but I now wish to have it removed.

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 2025-10-13 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: CT

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Request for Method of Verification ( FCRA 611 ( a ) ( 7 ) ) To Whom It May Concern, I recently disputed the following information on my credit report : Creditor : XXXX XXXX XXXX by : TransUnion Consumer Solutions XXXX XXXX Original Dispute : XX/XX/XXXX Your response indicated that this account was " verified '' as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the * * method of verification * * used in this investigation. Specifically : XXXX. The name, address, and telephone number of the party you contacted to verify this information. 
XXXX. A detailed description of the procedures you used to determine the accuracy of the disputed information. 

If you can not provide this information within the timeframe required by law, I request that the disputed account be deleted from my credit file. 

Please send me written confirmation of your findings. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MO

Complaint narrative:
Ensure removal of disputed accounts within the timeframe outlined in 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/scrub> XXXX XXXX XXXX XXXX I DID NOT ATHORIZE THIS INQUIRY ON MY REPORTS THIS IS FRAUD. I DID NOT GET NO ALERTS OR CALLS CONFIRMING THIS INQUIRY According to 15 US C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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  FRAUDULENT INQUIRIES : 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

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 2025-10-13 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: GA

Complaint narrative:
I am writing to follow up my dispute last XX/XX/year> regarding the inaccurate late payment that is currently reporting from my credit file. The disputed accounts are : DEPT OF EDUCATION/XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2400.00} Last activity : XX/XX/year> XXXX XXXX XXXX XXXX {$2400.00} Last activity : XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} - Paid as Agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and capable of being verified. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEFICIENT FCRA 611 INVESTIGATIONS : Evidence of Systematic Investigation Failures : Credit report shows " Account information disputed by consumer '' Credit report shows " Previous Account information disputed by consumer '' Both disputes claimed to " Meet requirement of the Fair Credit Reporting Act '' Critical Investigation Failures : Your investigations were fundamentally deficient because you " verified '' information that violates basic FCRA requirements : Impossible 10-year timeline between account opening and first delinquency Obsolete information exceeding 7-year FCRA limits by over 5 years Account re-aging that no reasonable investigation could verify as accurate This demonstrates systematic investigation procedures that fail to identify obvious FCRA violations, warranting CFPB enforcement action.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Good day. I can not overstate how frustrating and distressing this situation has been. I recently discovered a debt being reported under my name that is entirely unverified and not mine. Since then, Ive been subjected to repeated harassment across multiple communication channels, using various tacticsincluding threats of legal action. This is unacceptable and deeply insulting as a law-abiding consumer whose rights have been blatantly violated. The emotional and mental toll has been severe, causing significant stress and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation