vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am filing a formal complaint against Good Leap regarding a solar loan financed through them for panels installed by XXXX. The loan was signed in XX/XX/year>, but the panels were not installed until XX/XX/year>, making the federally required 3-day cancellation period invalid, as the product was not delivered or installed until nearly XXXX months later. 

The system has never produced the promised energy output. A XXXX engineer later admitted that my roof can not physically support the number of panels required to meet promised production, and that the system should never have been installed. 

During that inspection visit, the engineer XXXX XXXX  me, creating a hostile and unsafe environment. This engineer was later fired from XXXX, which confirms the company recognized the misconduct. I encountered him in public, and he volunteered to be a witness if needed. 

I was also misled regarding a 30 % federal tax credit. The salesperson claimed I would receive a refund, that I had 18 months to repay it, and that my bill would increase by $ XXXX if I kept the refund. I did not receive a refund, only a small credit spread over multiple years, yet Good Leap still claims I owe repayment. 

Despite multiple complaints filed with Good Leap, each time I approach a resolution, my caseworker is replaced, stalling the process. The loan has since been charged off, but the fraudulent contract remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage LLC ( Mr. Cooper ) improperly charged my family trust {$2200.00} for a forced-placed insurance policy on a home that was owned by a XXXX, for which I am the trustee. After the occupant with a life estate moved out, Nationstar imposed this policy even though the home was in escrow and sold within 30 days. 

Why this is a problem : No proof of insurance ever provided. 
Despite multiple requests, Nationstar/Mr. Cooper has never provided a copy of the policy or evidence that it was actually purchased.

Refund issued without explanation.

Nationstar/Mr. Cooper sent a partial refund of {$1500.00} but provided no breakdown showing how this amount was calculated. 

Refund checks made payable to the wrong entity twice. 
Although Nationstar/Mr. XXXX was given the correct trust documentation, both refund checks were issued to incorrect entities, making them impossible to deposit. 

Unprofessional and inappropriate conduct. 
A Nationstar/Mr. Cooper representative told me to put on my big boy pants when I requested that the refund be issued to the correct legal payee.

Delays and non-responsive behavior. 
Nationstar/Mr. Cooper sent a letter stating they will respond by XX/XX/year>, even though the loan was paid off on XX/XX/year>, and this issue has been ongoing for more than XXXX months. 

Why I believe this may be misconduct : Given the refusal to provide the policy, the inconsistent refund, and the repeated failure to issue a valid check, I am concerned that the forced-placed insurance policy may not exist and that the premium was improperly retained. This may indicate a broader pattern affecting other consumers. 

What I want the CFPB to do : Require Nationstar/Mr. Cooper to provide a copy of the insurance policy and proof the premium was actually paid to an insurer. 

Require a full refund of the entire {$2200.00}, or a proper accounting for the amount withheld. 

Require Nationstar/Mr. Cooper to issue the refund check payable to : The XXXX XXXX XXXX XXXX XXXX Investigate whether Nationstar is improperly charging or refunding forced-placed insurance premiums on other accounts.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair XXXX. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair XXXX. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  XXXX is inaccurately reporting a balance and past-due amount on a closed, charged-off account, ending in XXXX. Once an account is charged off, the past-due field should not continue to show an amount owed. I disputed this information with the credit bureaus, but they verified it even though it remains misleading and incomplete. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681s-2 ( b ) Regulation V, 12 CFR 1022.41 & 1022.42 This inaccurate reporting is causing me harm and preventing me from obtaining credit, student loans, and a vehicle loan. I request CFPB assistance to correct or remove this inaccurate 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 2025-12-03 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: TN

Complaint narrative:
XXXX  XXXX is inaccurately reporting a balance and past-due amount on a closed, charged-off account, ending in XXXX. Once an account is charged off, the past-due field should not continue to show an amount owed. I disputed this information with the credit bureaus, but they verified it even though it remains misleading and incomplete. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681s-2 ( b ) Regulation V, 12 CFR 1022.41 & 1022.42 This inaccurate reporting is causing me harm and preventing me from obtaining credit, student loans, and a vehicle loan. I request CFPB assistance to correct or remove this inaccurate information.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$92.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$580.00} * * Inquiries * XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 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 — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank is inaccurately reporting my closed, charged-off CareCredit account with both a balance owed and past-due amount, which violates FCRA standards because charged-off accounts must not continue to reflect past-due payments. My disputes were verified even though the information is misleading. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681s-2 ( b ) Regulation V, 12 CFR 1022.4142 This inaccurate reporting is causing financial harm and preventing me from obtaining needed credit. I request CFPB intervention to require Synchrony to correct or delete the inaccurate reporting.

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: SC

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 2025-12-03 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:
I am writing to dispute the following accounts on my credit report. These accounts are listed as " charged off, '' and I believe there are inaccuracies in the reporting of these items. I request that the following accounts be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Late Payments : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit

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: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: WI

Complaint narrative:
The landlord ( XXXX XXXX XXXX ) failed multiple federally regulated inspections through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). These failures included mold/mildew issues, water pressure problems, and other health and safety violations. Because the owner did not correct the issues, XXXX abated the XXXXXXXX XXXX XXXX  ( XXXX  ). Under federal XXXX XXXX XXXX XXXX rules, tenants are not responsible for abated XXXX when abatement is caused by owner violations. 

Despite this, the debt collector ( Credit Service International ) sent me a collection notice in late XX/XX/year> attempting to collect the abated XXXX  portion from me. This is a debt I do not owe. I disputed the debt in writing and requested verification, but the company has not provided any documentation showing why they believe I am responsible for these charges. They continue to attempt to collect a debt that is not legally mine. I am requesting that this debt be closed, collection activity stopped, and any record of the debt removed.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a consumer actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 


CHARGED OFF XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$2900.00} XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX, XXXX, XX/XX/XXXX, {$690.00} INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX LATE PAYMENT 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