vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap financed a residential solar energy system installed by XXXX XXXX XXXX FL XXXX XXXX. The loan amount was approximately {$60000.00} and was disbursed directly to the contractor. 

The solar system has experienced material and repeated failures since installation, including a premature inverter failure ( XXXX ) that occurred within less than XXXX year of installation. The system has experienced periods of non-production and required prior repair attempts. 

XXXX XXXX XXXX has since filed for bankruptcy and ceased operations, leaving the system without the contracted installer support, despite a promised long-term workmanship warranty. As a result, the financed system has not performed as promised and has required third-party intervention to restore functionality. 

Despite the contractors bankruptcy and the systems non-performance, GoodLeap continues to bill and demand payment for a defective and non-performing system. I have notified the lender of the system failures and XXXX bankruptcy and am disputing the enforceability of the loan due to material failure of consideration. 

I am requesting that GoodLeap investigate this matter, stop collection activity related to this defective loan, and provide appropriate relief, including loan rescission or permanent termination of payment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I disputed an alleged credit card debt with the credit reporting agencies after noticing inaccurate reporting. Prior to my bureau dispute, I had not been properly notified that the original creditor, Comenity Capital Bank ( XXXX XXXX ), had allegedly sold or transferred this account to XXXX XXXX XXXX. 

After the account was disputed with the credit bureaus, XXXX XXXX XXXX began mailing collection notices, including a Pre-Legal Notice dated [ insert date from letter ], stating that the account may be forwarded to an attorney and implying negative credit consequences. 

At the time the pre-legal notice was sent, the account was actively disputed and under investigation. XXXX did not provide verification or the results of any investigation before continuing collection activity and threatening escalation. 

I requested that the company investigate and verify the alleged debt. Instead of providing the requested information, XXXX continued collection efforts. 

I believe XXXX XXXX XXXX is attempting to collect a disputed debt and threatening negative action without properly resolving the dispute, which may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Trans Union, XXXX, Experian XXXX XXXX XXXX. Im submitting this complaint regarding the way this collection agency is reporting on a ledge debt on my consumer credit report. This account is being reported without proper verification and contains inaccurate and or unsubstantiated information. I previously disputed this account a requested validation yet the collection agency continues to report the account without providing documentation showing the debt is accurate that they have the legal authority to collect or the information being furnished is complete incorrect. The continued reporting of this account has negatively impact of my credit profile and does not appear to comply with federal consumer protection standards.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Formal Complaint Inaccurate Debt Reporting and Request for Removal I am submitting this complaint to formally dispute a debt that is currently being reported against me, which I believe is false and inaccurate. 
The debt in question does not belong to me, and I have no legal or contractual obligation for it. Despite this, it continues to be reported on my credit file and is negatively affecting my creditworthiness. 
I am requesting that this inaccurate debt be immediately investigated, verified, and removed from my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I request that this false information be removed from all three major credit bureaus to which my Social Security number is reported, including : Experian Equifax TransUnion If the creditor or collection agency is unable to provide proper documentation proving that this debt is valid and legally mine, it must be deleted in its entirety. 
Please consider this letter as a formal request for the correction of inaccurate credit reporting and compliance with federal consumer protection laws. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: GA

Complaint narrative:
I am writing to formally dispute the debt reported on my account ending in XXXX, which references an order placed with XXXX ( XXXX XXXX : XXXX ). I returned the item and received a refund of {$77.00} from XXXX on XX/XX/year>. Despite this, my payment account with Klarna , Inc. has been reported as delinquent, resulting in a collection notice for a balance of {$32.00}. 
Please find attached supporting documentation, including : - The original order confirmation - Refund confirmation from Azazie - Payment information from Klarna and XXXX  This reporting has negatively impacted my credit. * * * Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you expeditiously investigate and remove all inaccurate information related to this debt from my credit report * * *. The documentation provided clearly demonstrates that the debt was resolved and should not have been sent to collections. 
I expect prompt action to correct this error and restore my credit profile. Please confirm receipt of this email and advise when the correction will be made. 
Thank you for your immediate attention to this matter. 

email sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am disputing the following accounts listed under my Equifax report. These accounts are inaccurately reported, and I request they be corrected or removed if they do not meet the necessary reporting standards. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$210.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Furnisher has documented history of bad reporting/CFPB actions. I demand manual verification & description of procedure per FCRA 611 ( a ) ( 7 ). Automated verify is insufficient for unreliable data. Deletion required. 
" XXXX XXXX XXXX has a $ XXXX settlement for deceptive tactics ; their 'verification ' is untrustworthy. '' " XXXX XXXX was recently caught in court ( Thomas v. LVNV ) for failing to report disputes correctly. '' " Experian is violating FCRA 611 ( a ) ( 7 ) by failing to provide the specific procedure used to trust these known bad actors. '' Per the CFPBs 2024 supervisory order, XXXX XXXX has a documented history of furnishing inaccurate data and failing to investigate disputesthe exact behavior they are exhibiting with my account. 
XXXX uses " inaccurate and unclear '' collection letters and shares private consumer data with third-party vendors without consent. 
XXXX XXXX XXXX XXXX illegal re-aging of debt and reporting of obsolete data. 
XXXX XXXX  Failure to mark account as 'disputed ' in violation of FCRA Section 623.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication dated XX/XX/year> XXXXThis letter is a formal request for validation of the alleged debt referenced above, made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide the following information : Verification of the debt, including the amount you claim I owe and a complete itemization of all fees, interest, and charges. The name and address of the original creditor, as well as documentation proving that I am legally obligated to pay the debt. Proof that you are legally authorized to collect this debt in my state, including your license or registration number if applicable. A copy of any judgment, if applicable. The original contract, agreement, or other documents bearing my signature that establish the alleged debt. 
Until you provide the requested validation, you must cease all collection activity, including phone calls and letters, as required by law. Please also be advised that I request all future communication be made in writing only. If you are unable to validate this debt, or if you continue collection efforts without providing validation, you will be in violation of the FDCPA. 
Thank you for your cooperation. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am submitting this complaint to report an incorrect default designation on my federal student loan following a servicer transfer from Navient to XXXX, and an unexplained and undisclosed assignment to XXXX. 

I have never missed or made a late payment on my student loans. I received written notice that my loans were transferred from Navient to XXXX. I never received noticeby mail, email, or phonethat any portion of my loan was transferred to XXXX. I received no billing statements, login credentials, or payment instructions from XXXX. 

Despite this, the U.S. Department of Education has informed me that a portion of my loan is allegedly in default, and I have been told I must either pay in full or obtain a new loan. This is factually incorrect and places me at risk of unjust credit harm. 

I believe this constitutes improper loan servicing, failure to provide required notice, and inaccurate account reporting. I am requesting CFPB assistance to ensure : Immediate correction of my loan status Removal or prevention of any negative credit reporting Written confirmation of the correct servicer ( s ) and account status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accountsXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am seeking {$50000.00} in total compensation from Capital One for their failure to timely release the lien after my loan was fully paid via XXXX  XXXX bankruptcy in XXXX. This includes : approximately {$5000.00} for the fair market value of my lost XXXX XXXX XXXX ; {$5000.00} for tow, storage, and auction-related fees/expenses ; {$10000.00} for lost use of transportation and related hardships over 8 months ; and {$30000.00} for severe emotional distress, XXXX, and hardship caused by the prolonged uncertainty, constant phone calls, and sudden loss of my vehicle despite no valid lien. '' Does this amount feel like it captures the full impact on you, or would adjusting the breakdown ( higher on stress, lower on car value ) better reflect your experience? Starting at {$50000.00} positions you stronglyCFPB complaints often lead to settlements lower but substantial when evidence is solid like yours. You're close to submittinghow does this language empower your voice in the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX via app. The vehicle had XXXX miles on it. On XXXX XXXX, it experienced a full mechanical failure and XXXX preferred mechanic quoted us over {$12000.00} to have this vehicle roadworthy. The vehicle now only has XXXX miles on it. Only XXXX miles in my possession. XXXX and silver rock refuse to make an amacable resolution with taking care of the repairs or replacing the vehicle with another of equal value. The list of defects their mechanic gave us strongly indicates that the vehicle never received its proper interval services/maintenances and that XXXX XXXX XXXX inspection was either incompetent or failed to disclose the multiple defects on this vehicle. I am refusing to pay the loan any further until a resolution can be placed

Company response to consumer: Closed with explanation