vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CO

Complaint narrative:
I financed a solar system through GoodLeap in XX/XX/2023. The solar system was sold to me by XXXX XXXX XXXX, who promised a XXXX warranty and full service/maintenance for the duration of the system. XXXX XXXX is now bankrupt, and as a result the warranty, service obligations, and support I financed no longer exist. 

My GoodLeap loan contract does not state that GoodLeap provides warranty or service maintenance. In fact, my contract states that warranty and service requirements come from the installation contractor ( XXXX ). XXXX is bankrupt and can not provide any service, repairs, maintenance, or warranty coverage. 

Because the seller is bankrupt and can not perform what was promised, I attempted to negotiate a reduced payoff amount under the FTC Holder Rule, which is written directly into my loan agreement. 

During multiple calls, GoodLeap representatives repeatedly refused to answer my questions, refused to provide anything in writing, and disconnected my calls. On my last call, XXXX talked in circles, refused to answer XXXX direct yes/no questions about : XXXX. Whether GoodLeap provides my warranty XXXX. Whether they can provide written confirmation XXXX. Whether Titans bankruptcy impacts the services I financed He refused to give direct answers, refused to escalate the call, refused written communication, and ultimately made it impossible to understand GoodLeaps position.

GoodLeap also stated that they can not provide written responses, which is not true and violates federal consumer protection requirements for written communication and dispute responses. 

I have made multiple good-faith attempts to resolve this matter. I offered a lump-sum settlement because the value of what I financed has significantly decreased due to the sellers bankruptcy. GoodLeap refuses to negotiate, refuses written communication, and repeatedly disconnects the calls. 

This appears to be bad-faith servicing, evasive conduct, and a refusal to comply with the Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
In XXXX, I entered into a deferral agreement with the company in question. Papers were signed, and XXXX payments were agreed in deferral arrangement. 

The company deferred the first payment. When the second schedule deferment was to occur, it was instead drafted. I contacted the company to ask about it, and they assured me it was a computer error. It was supposedly fixed with a few more payments added to the deferral. 

Another pay period has passed, and yet another payment was drafted. This is now XXXX of the XXXX original deferments that were drafted. 

This company has XXXX VIOLATED their written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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.

Complaint narrative:
I am formally disputing the above-referenced account, which I assert is fraudulent, inaccurate, and unauthorized. 

This account does not belong to me, and I did not authorize, open, incur, or benefit from the alleged debt in any way. Because the account is fraudulent, it is not legally enforceable, and any reporting or collection activity associated with it is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage furnished contradictory and inaccurate information about the status of my mortgage account to Experian, and they have not provided a clear or consistent explanation. 

Specifically, my Experian credit report initially displayed the following status for this account : Bank Adjustment / Deed in Lieu / Bank Liquidation. 

These XXXX codes indicate that the lender classified the account as : liquidated, adjusted, deed-in-lieu, or discontinued collection activity. 

Shortly afterward, the status was changed to FS Foreclosure Proceedings Started. 

These XXXX statuses can not both be true. A creditor can not classify a mortgage as liquidated or deed-in-lieu and also classify it as an active foreclosure. 

This creates serious concerns regarding : the accuracy of Rocket Mortgages credit reporting, whether this loan was internally charged off or liquidated, whether Rocket Mortgage took a loss or discontinued collection activity, whether an identifiable event occurred under 26 U.S.C. 6050P, and whether Rocket Mortgage was required to issue a XXXX or XXXX. 

I requested clarification directly from Rocket Mortgage, but they have not provided : their XXXX furnishing history, any liquidation or charge-off date, any internal accounting status, or any explanation for why liquidation-level language appeared before being removed. 

Additionally, a debt collector acting on behalf of Rocket Mortgage has already filed a foreclosure lawsuit to collect this debt. 

This makes the contradictory credit reporting even more serious because accurate account status is essential when legal action is being taken. If the loan was coded as liquidated, discontinued, or deed-in-lieu, it directly contradicts an active foreclosure. 

I am requesting CFPB assistance to ensure Rocket Mortgage provides : XXXX. A clear written statement of the loans true status whether it is active, charged-off, liquidated, adjusted, or discontinued. 

XXXX. The full XXXX furnishing history for the past 36 months, including all account status codes, special comments, and any liquidation or deed-in-lieu narratives originally transmitted. 

XXXX. Any internal charge-off, liquidation, or loss-recognition date. 

XXXX. Confirmation of whether Rocket Mortgage filed ( or was required to file ) a Form XXXX or XXXX with the IRS under 26 U.S.C . 6050P. 

XXXX. Correction of all inaccurate or contradictory information on my credit reports. 

This complaint is being filed because Rocket Mortgages inconsistent reporting has created confusion in foreclosure proceedings and raises concerns about the accuracy of the information they are furnishing to credit bureaus and federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverifiable address information on my consumer file. The following address is being reported on my credit profile, and I have absolutely no connection to this address at any time : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX WRONG ADDRESS This address is not mine, has never been mine, and I have never lived, worked, or received mail at this location. Its presence in my report is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611, which require consumer reporting agencies to maintain maximum possible accuracy and to remove all unverifiable information.

I firmly believe the reporting of this unauthorized address may indicate identity confusion or possible identity misuse, and I am demanding immediate action. 

MY FORMAL REQUEST I am requesting the CFPB to order the credit bureaus to : Conduct a full investigation into the unauthorized and inaccurate address appearing on my credit report. 

Provide documentation from the furnisher proving how this wrong address was linked to my identity. 

Remove and permanently block this inaccurate address from all of my consumer reports ( Experian, TransUnion, Equifax ) under FCRA 611 and 605B.

Provide written confirmation that this incorrect address has been deleted and will not be reinserted without full certification of accuracy.

VIOLATIONS This reporting violates multiple federal statutes : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 : Failure to verify the information with actual documentation.

FCRA 605B : Duty to block information resulting from identity-related errors. 

By continuing to report an address that does not belong to me, the credit bureaus are causing harm to my consumer profile, exposing me to potential fraud, and damaging my creditworthiness. 

FINAL DEMAND I am requesting the CFPB to enforce compliance and ensure the immediate removal of this wrong address. I expect a full written response and confirmation of corrective action. 

Thank you for your attention and assistance in resolving this matter.

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 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the following accounts currently reporting inaccurately under my credit file with Experian. These discrepancies are related to charged-off accounts, inquiries, and late payments. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reported as charged off but should not reflect as such due to inaccuracies in reporting. 

Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

Late Payments : XXXX XXXX  Account Number : XXXX Issue : I dispute the late payment reporting as this is inaccurate and should 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 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute specific accounts on my credit report. Please find below a detailed breakdown of the accounts in dispute for each credit bureau. I request that you review these entries and take appropriate action to correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I believe the information reported is either incomplete, inaccurate, or not properly verified. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payment : 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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
i received my loan from navy federal XX/XX/XXXX of XXXX, i was in contact with a car salesman about the XXXX XXXX XXXX, he assured me that the vehicle was in GREAT shape & that i would be able to pick it up as soon as possible, i arrived at XXXX Pre-owned on XX/XX/XXXX of XXXX to sign the papers & retrieve the vehicle, after i was handed the keys i noticed small things like the radio knob not working & windows not rolling down on command, the XXXX system thats supposed to tell you everything thats wrong with the vehicle like when it needs an oil change & sensors etc. I talked to the salesman that sold me the vehicle & he told me that the car company would have to order a part for the car, i waited months for the part to arrive & drove up there XXXX separate times which is XXXX minutes away from my house, the XXXX  time the part didnt work & the XXXX  time it only fixed my horn, the car started acting funny weeks later & when i told them the issues they did XXXX oil change for free but never did anything else to help fix the car, i called a different salesman about the car but they told me nothing else could be done, so i got a consultation on the vehicle & what was told to me was that i should have never been sold the car, it was bound to break down within months of me having it, i need help with this because the vehicles from that dealership are inoperable & i was taken advantage of for my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
There are XXXX nonsenses that Morgan Stanley XXXX XXXX XXXX XXXX us. 

XXXX, although I did put the promo code XXXX when I opened the joint max-checking account with my co-owner, it was not reflected on the account for unknown reasons. Upon contacting the customer service I was told by an agent that once the account is fully activated, they will apply the code so that upon fulfilling the required direct deposit requirement we will receive {$300.00}. But after the account is fully activated, today an agent told me that it can not be manually added by them and that we are now stuck. This is false advertising and deceptive! 

XXXX, despite that fact that the debit cards will be delivered XXXX - XXXX business days after opening the account online on XX/XX/year>, it's been more than XXXX weeks and we still have not received the debit cards. They refused to expedite the cards earlier last week for free, and now they also refuse to expedite the cards for free, and refused to ship them overseas as I and my other account owner are travelling overseas tomorrow. 

Third, it took them more than a week to " verify '' our account. Initially they asked for my bank statement, after they reviewed this they also asked us to provide our IDs and the pictures of us holding our IDs. Additionally, they kept these sensitive information without our consent because they won't get our account verified without us doing these, which is crazy because this happened a few minutes after we opened our account online. 

So much dishonest lies have made me doubt how in the world such bank could be rated as having XXXX of the best checking accounts in the country?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I returned an item to Kohls, on XX/XX/year>, in XXXXXXXX XXXX having paid off the card for the purchase on XX/XX/year>. They said to get my {$62.00} from the card back i had to contact credit card company [ XXXX ]. I was told by the card company had to send a copy of my drivers liscence to them for verification first. Then told me there were problems and would not give me the address. Im a XXXX senior caring for my XXXX son, i need the money for bills and groceries. I want to cancel the card and was told i would not be sent a refund for 4 billing cycles. And then there were problems. 

This call happend today at aprox XXXX on my land line phone. I just want my refund. 
They would not send anything to my email or address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
CEASE AND DESIST LETTER Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : Cease and Desist Notice Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) Account/Reference Number : XXXX To Whom It May Concern : I am writing to notify you that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me immediately regarding the above-referenced alleged debt. 

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, the debt collector must stop all contact, except for the following limited circumstances allowed by law : 1. To advise that further efforts to collect the debt are being terminated ; 2. To notify me that you may invoke specified remedies that are ordinarily invoked by debt collectors ; or 3. To notify me that you intend to invoke a specified remedy. 

Other than these narrow exceptions, you are prohibited from contacting me by phone, mail, email, text message, or any other form of communication. 

This letter is not an admission of the validity of the alleged debt. I also reserve all rights under federal and state law, including the right to dispute the debt and the right to bring legal action for any violations of the FDCPA or other applicable statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have already submitted a complaint for this account. The previous collection agency LVNV Funding promptly sold my account to a different collector after submitting my last complaint and formally requesting for reporting to cease due to lack of supporting documentation. I will again submit my complaint on the new debt collector.

I do not recognize this account or any transactions associated with it. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting verification of this alleged debt. Please provide copies of the original agreement and all supporting documentation bearing my signature to substantiate the validity of this account. If you are unable to provide proper verification within the time allowed by law, this account must be deleted from my credit file and all reporting to the credit bureaus must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX : Fraud Victim Assistance XXXX XXXXXXXX XXXX XXXX, NJ XXXX Subject : Fraudulent Account Dispute XXXX Dear Fraud Investigation Team : I am writing to formally dispute an account that has been fraudulently opened using my personal information. I did not open this account, authorize it, or permit anyone to use my identity for any XXXX XXXX XXXX. 

I request that XXXX XXXX immediately : Investigate this matter as identity theft ; Provide copies of all documents associated with the account, including : The application or contract Any identification used Any signatures associated with the account Remove all XXXX XXXX accounts or inquiries resulting from this fraud from my credit file ; Provide written confirmation of the results of your investigation. 

Please confirm receipt of this dispute and notify all credit reporting agencies once the fraudulent account has been removed. 

Please treat this matter with the urgency it requires. Failure to respond or correct this error may result in further action to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief