vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
On XX/XX/year>, I contacted all of the companies listed below regarding hard inquiries that appeared on my credit report. I want to state clearly that I did not authorize or apply for any of these accounts, and these inquiries are fraudulent. The companies closed their investigations and claimed that I initiated these applications, but I never did. They also failed to provide me with any proof, documentation, or signed authorization showing that I made these requests. The fact that no evidence was provided confirms that these were unauthorized. Despite my efforts to resolve this directly with each company, the inquiries remain on my credit report, damaging my credit unfairly. I am requesting that these inquiries be removed immediately as fraudulent. The inquiries in question are : XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/year> Inquiry Type Individual And XXXX XXXX Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Requested On XX/XX/year> Inquiry Type Individual These are the companys involved and contact numbers and addresses this inquiry refers to the XXXX XXXX XXXX issued by XXXX XXXX  and serviced by XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I am filing a complaint against GoodLeap, LLC regarding my solar panel loan ( Loan Account # XXXX ). 

I financed a solar system through GoodLeap that was sold and installed by XXXX XXXX XXXX. The installation was done incorrectly - the panels were placed on the wrong side of my roof, which prevents the system from functioning properly. The system does not generate the promised output and is essentially defective. 

XXXX XXXX XXXX has since filed for bankruptcy and is no longer available to correct these issues. I have attempted to resolve the matter with GoodLeap, but they are still attempting to collect payment.

Under the FTC Holder Rule ( 16 C.F.R. 433 ), I have the right to assert the same claims and defenses against GoodLeap hat I could assert against XXXX XXXX XXXX. I should not be required to pay for a defective and improperly installed system from a brankrupt seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unlawful entries being reported on my credit file. These items are causing severe and unjust harm to my creditworthiness and financial stability. Despite my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act, these accounts are being reported in violation of federal law. 

Below are the specific items in dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Court Ref. # XXXX Incorrect/Unverified Bankruptcy reporting Hard Inquiries ( unauthorized and unverified ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Grounds of Complaint : These charge-off accounts are being reported without proper verification, validation, or proof of legal ownership of the debts. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation when notified of disputes. To date, this has not been done.

The continued reporting of unverified debts constitutes furnishing inaccurate information, a direct violation of 15 U.S.C. 1681s-2 ( a ).

The Bankruptcy Court entry is being misreported. It is either inaccurate, incomplete, or unverifiable, which directly violates FCRA 607 ( b ) requiring maximum possible accuracy.

The inquiries listed were made without my authorization or permissible purpose under 15 U.S.C. 1681b. Unauthorized inquiries harm my credit profile and constitute a violation of the FCRA.

Requested Resolution : I demand the following corrective actions : Immediate deletion of all unverified charge-off accounts listed above.

Removal of the inaccurate bankruptcy entry from my credit report. 

Permanent deletion of the unauthorized inquiries ( XXXX, XXXX ). 

A full investigation and enforcement to ensure compliance by the furnishers and credit reporting agencies. 

These violations have caused significant damage to my credit, ability to obtain housing, fair interest rates, and overall financial well-being. I respectfully request that the CFPB intervene immediately to ensure these unlawful reporting practices are corrected and to hold the reporting parties accountable for their repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Claim # XXXX XX/XX/year> ( XXXX, XXXX  XXXX ATM ) : I attempted to make a cash deposit into my Capital One account using a Capital Onelisted XXXX  ATM. The ATM accepted my cash but then froze, displayed an error, and issued me a receipt stating : Cash retained, contact your financial institution. No funds were credited to my account. 

XX/XX/year> : I immediately filed a claim with Capital One and provided the receipt from the ATM. 

XXXX XXXX  : Capital One denied my claim, stating they found no error. 

XXXX XX/XX/year> : I called Capital Ones resolution team and was told my supporting documents ( including photos of the ATM error and my tip log used to calculate the deposit amount ) may not have been received. I re-sent them by email. 

XX/XX/year> : My claim was denied again, partly because I could not provide the exact dollar amount of the deposit. However, I later learned from a Capital One associate that according to the ATM operators records, there was only one deposit transaction that day with an unresolved balance. That has to be my deposit, and it confirms the error was real. 

Follow-up XXXX XXXX  : I repeatedly forwarded my documents, photos, and a written timeline to Capital One. I also explained that my deposit amount was approximately {$1300.00} ( calculated from my tip records, minus {$120.00} cash paid out separately for cleaning ). While I can not guarantee the deposit to the exact dollar, my records and the ATM operators own admission both confirm the transaction was mine. 

Additional Issue : I was also told my claim could not be honored because the ATM was not a Capital One branch ATM. This is misleading. Capital Ones mobile app lists XXXX ATMs ( including this XXXX location ) as approved deposit ATMs, which gave me the reasonable expectation that deposits would be safe and fully supported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized credit inquiry made by XXXX XXXX on XX/XX/year> On XX/XX/year> I visited XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX to purchase a vehicle. I arrived with an approved auto loan from XXXXXXXX XXXX  and clearly informed the dealership that I would be using my own financing. Despite this, the dealership obtained my credit report without my permission. 
Under the Fair Credit Reporting Act ( FCRA ), a company must obtain a consumers consent before accessing their credit report. I did not authorize this inquiry. 
I have already contacted the dealership directly requesting removal of the inquiry and proof of authorization, and I have also disputed the inquiry with the credit bureaus. 
I am requesting the CFPB to investigate this matter and ensure that XXXX XXXXXXXX and any affiliated lenders comply with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase has committed three egregious escrow mistakes on my account of 4 years. 
a. They and their third party XXXX attempted to defraud me of $ XXXX due to their mistake in recording my account details. I am unsure if this is still a contributing factor on the current problem. 

b. In XXXX they paid my XXXX XXXX XXXX taxes of XXXX and then wrongfully returned XXXX to me. I accepted the check as I thought it was excess, not realizing Chase hadn't managed my account correctly. 

c. My current challenge is that Chase raised my total mortgage payment by {$1200.00} monthly. I have a 3.375 fixed rate. They doubled the estimated property tax payment from XXXX to XXXX annually even though my county has not double my property tax owed. This fake estimate of {$12000.00} is false. In XXXX Chase deducted the XXXX property tax plus an addition almost XXXX due to their mistake in XXXX. To the computer it looks like I pay XXXX in property taxes annually however that additional almost XXXX Chase withdrew is due to them correcting their XXXX escrow mistake. In addition, chase then added an additional shortage amount of {$600.00} to the monthly payment. I believe all of these mistakes within a few years is a constant attempt to harass me and steal my home from me. 

I believe Chase is violating a federal law that protects the amount of additional escrow they can hold from a mortgage payer. why are they taking an additional {$600.00} in cash each month and not additng it into the escrow, this is because they are trying to take more money from me each month and not be noticed by regulators by sidestepping putting that additional {$600.00} in with the escrow payment. 

All my mortgage payments have been made on time wih me having paid an additional XXXX to pay down my mortgage early. 

Mortgage breakdown : current their new payment Principle and Interest {$2100.00} {$2100.00} escrow account XXXX XXXX shortage amount XXXX XXXX Total payment {$3000.00} {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-27 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I noticed a drop in my credit score of over XXXX XXXX  in early XX/XX/XXXX. I ran a credit report with the three major bureaus and notices information on my account that was not accurate. I disputed the incorrect names which have now been removed and the accounts that I didnt recognize. All accounts have since been rectified from what I can tell per the dispute results, other than one account with Affirm Inc . I called Affirm Inc today XX/XX/XXXX around XXXX and spoke to a customer service agent. They could not confirm that my information was connected to an account. I would like to have this information removed from my credit report as it appears to be negatively affecting me or more details provided on what the account is for so that I can verify its correct. Based on my records, I have no information confirming the accuracy of this account and it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I discovered an account reported by Midland Credit Management Inc in the amount of {$780.00} on my credit profile. I have never entered into any contract with this company, nor did I authorize them to obtain, share, or report my personal information. This is a violation of my consumer rights under both the FDCPA and the FCRA. 

Midland Credit Management has failed to provide proper validation as required under 15 USC 1692g, and has not shown a legally binding contract with my wet signature. By reporting this account without full proof of authorization, they are violating 15 USC 1681e ( b ) which requires maximum possible accuracy in consumer reporting.

Furthermore, their continued communication and reporting without proof of consent raises concerns under 15 USC 1692c, as they are pursuing collection activity without proper legal foundation.

This account has harmed my credit standing and exposed my personal information without lawful basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SG and Associates
State: MI

Complaint narrative:
Threatening to take legal action. Lost my job was unable to pay. Just started a job and they are treating to take my paychecks even though I havent received one yet

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 2025-09-27 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: NY

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Experian regarding information in my credit report. 
XXXX tracking confirms that the letter was delivered on XX/XX/year>. However, I have not received any acknowledgment or confirmation from Experian that my dispute is being processed. 
I understand that under the FCRA the bureau has up to 30 days to investigate. I am submitting this complaint to ensure that my dispute is properly received and processed within the required timeframe.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX foremerly XXXX XXXX. I got married and changed my last name. I have verification that I am the same person just different last name. 

On XX/XX/XXXX, I visited the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, to deposit a check received from my retirement company. I received a receipt outlining the scheduled deposit dates for the funds, which were to be credited to my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon checking my account on XX/XX/XXXX, the funds had not been deposited. I then returned to the branch and initially spoke with XXXX, who did not help me. He told me the problem was with the other bank and advised me to contact the issuing bank. Following this, I contacted XXXX, who confirmed that there were no issues on their end. Subsequently, I spoke with XXXX at the branch, who attempted to explain the delay and assured me that the funds would still be deposited on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email notification from Wells Fargo indicating the availability of funds ; however, my account reflected a balance of - {$200.00}. Upon visiting the branch, I consulted with XXXX, who subsequently contacted Wells Fargo customer service, XXXX XXXX, and XXXX. Neither XXXX XXXX  nor XXXX is currently holding the funds. Wells Fargo is the problem is holding the funds and attributing the issue to the other institutions. Upon contacting customer service, I was informed that the funds would not be released until XX/XX/XXXX. I have yet to receive a clear explanation for the delay. Wells Fargo clearly stated they see no issues but they will not release the funds to my account. This has cause extreme financial issues. I do believe that I am being discriminated again due to the amount of the check. I provide all information needed for verification and yet the funds are not in my account. Additionally wells fargo stole my refund check from my school which was in the amount of {$700.00}. I got a notice saying that amount had been deposited but when I checked my account my balance was only {$260.00}. I want that credited back into my account as well as the check from my retirement company. This is completely unacceptable. I am also reaching out to the local news nation to have to them report on this because I should not be dealing with this. I have bills to pay and wells fargo is causing emotional damage.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one sent me court documents and had a third party contact me. they later realized the information the had was incorrect... i would like to participate in class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am suffering seriously as a victim of identity theft. All this has nothing to do with me, and yet I am the victim of this ongoing fraud. Daily, it drains my mental and emotional strength. The fear, stress, and exhaustion have become intolerable. I am helpless, and this ordeal is consuming every part of my life. I implore you please, in the interest of my well being BLOCK and REMOVE these scam items instantly. the following elements were included in this FRAUD : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX opened in 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
I am a resident of Florida and obtained a personal loan from MaxLend for {$1400.00}. The loan agreement shows an APR of approximately 702.58 %, which far exceeds Floridas legal interest rate limits under Fla. Stat. 687.02687.071. Florida law caps interest at 18 % annually for loans under {$500000.00}, and charging more than 25 % is considered criminal usury. 

I have made two payments on this loan, 1ST PAYMENT OF {$360.00}, AND 2ND PAYMENT OF {$390.00}, before realizing the terms appear unlawful. Despite this, MaxLend has continued to demand additional payment and attempted to debit my bank account. 

I have contacted MaxLend in writing to dispute the loan and request verification and cessation of collection efforts. I have also filed complaints with the Florida Attorney Generals Office and the Florida Office of Financial Regulation. 

I am submitting this complaint to the CFPB to request assistance in ensuring MaxLend : 1. Ceases collection attempts on this loan in Florida.

2. Refunds the two payments I have already made.

3. Confirms that no negative information related to this loan will be reported to credit bureaus. 

I understand that the CFPB will send my comments to the companies involved, and I request that any responses be provided in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-09-27 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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