vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap has repeatedly failed to service my loan, misrepresented information to the CFPB, and falsely closed multiple complaints I submitted. I have now filed XXXX prior complaints. All were wrongly marked resolved, even though GoodLeap took no action and provided no reimbursement, correction, or explanation. 

My solar system was down for nearly a year. The installer ( XXXX XXXX ) went bankrupt, leaving me without warranty support. GoodLeap told me repeatedly that they are only the finance company and refused to help, forcing me to hire a third-party technician and pay out of pocket. I provided GoodLeap with documentation and recordings. In an audio-recorded call ( attached ), GoodLeap verbally approved my reimbursement, confirmed my address, and stated payment should be good to go today. Over 90 days later, they still have not paid anything. 

Instead, GoodLeap : Ignored my evidence of a year-long outage Misrepresented my data by providing only XX/XX/year> production Failed to explain why they closed my earlier complaints Stopped responding to emails and calls Increased my loan balance without explanation Reported me late, damaging my credit from XXXX to nearly XXXX Caused financial harm to my personal finances and my business I have provided the full transcript and the recorded phone call showing GoodLeap acknowledging their responsibility and approving my reimbursement. They simply did not follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The documentation on record does not accurately reflect my financial conduct and appears incomplete. I ask for a thorough review and revision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I sent a timely written billing-error notice under the Fair Credit Billing Act disputing a {$190.00} charge from XXXX XXXX. 

XXXX has now issued a full {$190.00} refund for that charge. 

Instead of releasing the refund to me, the credit-card issuer automatically seized the entire {$190.00} and applied it to offset the ( still-disputed ) negative balance. 

This is an explicit violation of 15 U.S.C. 1666 ( h ) and 12 C.F.R. 1026.13 ( f ), which prohibit a creditor from offsetting a disputed amount or any refund related to a disputed charge while an FCBA dispute is pending. 

Multiple bank representatives have told me we cant release the refund and that the system does it automatically and we have no control. 

I need the full {$190.00} immediately released so I can pay rent that is due this week.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: NY

Complaint narrative:
I am filing this complaint because a late student loan payment was reported on my credit due to improper handling of my loan transfer from XXXX to Central Research , Inc. ( CRI ). This delinquency was not the result of intentional non-payment, but of a servicing and communication failure between the companies involved. 

My federal student loan was transferred from XXXX to CRI. I was not properly notified of the transfer, the new due date, or any required steps to re-establish payments. I did not receive billing statements or adequate communication from either XXXX or CRI prior to the delinquency being reported. As a result, I was unaware that the previous payment arrangements were no longer active or that I needed to set up new payment methods with CRI. 

Because of this lack of required notification, my account became past due without my knowledge. A late payment was then reported to the credit bureaus, causing a significant and unfair drop in my credit score. Once I became aware of the issue, I acted promptly to address the situation. 

I am requesting that the Consumer Financial Protection Bureau investigate the following : XXXX. Whether XXXX properly notified me of the transfer of my account to CRI. 
XXXX. XXXX XXXX provided the required advance notice of any change in due date, billing cycle, or disruption of payment methods. 
XXXX. Whether CRI provided the legally required initial notice of debt, billing information, or instructions for re-establishing payment arrangements before reporting my account late. 
XXXX. Whether the late payment was improperly or prematurely reported to the credit bureaus. 
XXXX. Why a severe derogatory mark was placed on my credit for an issue caused by servicer transition, not borrower negligence. 

I am requesting that the late payment and any negative reporting associated with this transfer be deleted from my credit reports due to improper notice and servicing errors. I am also requesting confirmation of proper handling of my account going forward. 

Thank you for reviewing this matter. I am asking for a fair correction to my credit because the delinquency resulted from mishandling during the servicer transfer rather than intentional failure to pay. 



Requested Resolution Removal of the late payment and derogatory credit reporting. 
Written confirmation that the account transfer was corrected and properly documented. 
Assurance that proper notices will be issued moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
Wise US Inc. closed my fully verified business account on XX/XX/year>, refusing to provide any specific reason other than a vague claim that my " activities exceed risk tolerance. '' 1. FACTS OF THE BUSINESS : My business is a legitimate US software company ( SaaS - Expense Tracking Application ) with zero high-risk activities. 

Compliance : Fully compliant with IRS and XXXX ( XXXX Report filed ). 

Banking : Approved and banked by XXXX Bank ( FDIC-insured ) and XXXX  ( regulated processor ). 

Standing : XXXX  XXXX in good standing. 

Despite having NO red flags across XXXX, sanctions, or fraud classifications, and being approved by other regulated US financial institutions, Wise closed the account without due process. 

2. UNFAIR & OPAQUE PRACTICES : Wise 's closure violates basic principles of fair dealing : No specific violation identified despite formal complaint. 

No opportunity to remediate alleged concerns. 

Generic " risk tolerance '' rationale is insufficient under CFPA standards for a compliant business.

3. REGULATORY PRECEDENT & PATTERN OF MISCONDUCT : I refer to the CFPBs enforcement action against Wise US Inc. ( File No. XXXX ), Consent Order issued XX/XX/year>, and Amended XX/XX/year>. 

While the civil penalty was adjusted, the Findings of Fact and Consumer Redress obligations remain in force. XXXX  XXXX found that Wise US Inc. violated the Consumer Financial Protection Act ( CFPA ) and Regulation E by engaging in deceptive practices and failing to provide transparent disclosures. 

Relevance to My Case : My account closure demonstrates a continuation of this documented pattern. Wise is currently under a requirement to implement a comprehensive compliance plan to ensure fair treatment. Hiding behind a generic " risk tolerance '' excuse to de-risk a legitimate, verified US business suggests a failure in their compliance algorithms ( false positive ) and non-compliance with the spirit of the CFPB 's mandated improvements.

I believe this closure violates the Consumer Financial Protection Act and demonstrates Wise 's continued pattern of opaque decision-making despite being under CFPB supervision XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts listed on my credit report. Below are the accounts in dispute for each bureau, which include charged-off accounts, inquiries, late payments, and other relevant information. 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$65000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$540.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX, XX/XX/XXXX, Balance : {$210.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXXXXXX 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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: 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: Kikoff Inc.
State: TX

Complaint narrative:
The company is violating my rights they have not provided validation Information Under 12 CFR 1006.349 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made prior efforts to address these matters directly with the company, but the violations persist. Under applicable law, I am entitled to {$1000.00} per violation identified. At the time, they must either provided payment for the violations or remove the accounts without delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. These accounts have been reported inaccurately, and I request their immediate review and correction. Below are the details of the accounts in dispute : TransUnion ( TU ) Charged Off Accounts : [ No charged off accounts listed for TU. ] Inquiries : XXXX, XX/XX/year> XXXX XXXX  XXXX, XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kindly acknowledge this correspondence as my official dispute of the referenced accounts. I have no association with them and did not authorize their creation. I request a thorough review and deletion. Documentation accompanies this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our business checking account had over $ XXXX in fraudulent ACH transactions between XX/XX/year> and XX/XX/year>. We have been partially credited for these losses, however Chase has refused to divulge why this happened or what steps they are taking to prevent this from happening again. As a woman led small business, I am very concerned they are engaging in unfair business practices.

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

Complaint narrative:
In accordance with the fair credit reporting act the following accounts : - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX XXXX  XXXX Account No. XXXX ( Unverified Account ) These accounts were not authorized by me and were opened using my personal information without my knowledge or consent. This constitutes a violation of my federal rights under the Fair Credit Reporting Act ( FCRA ) and a defamation of character in my credit report.

Under 15 U.S.C. 1681, Section 602 ( a ), I have a right to privacy, and the law explicitly recognizes the need to protect consumers from the dissemination of inaccurate or unauthorized personal credit information.

Furthermore, 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) clearly states that a consumer reporting agency may not furnish a consumer report to a third party without the consumers written instructions. I have never provided such written authorization for the opening or furnishing of these accounts. Therefore, their presence on my report is unauthorized, unlawful, and damaging.

You are now on notice that these entries are not only inaccurate and unverifiable, but also illegally placed and defamatory. I demand that they be removed immediately to prevent further 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 explanation