vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
on XX/XX/year>, I was misled into accepting a loan through GoodLeap, based on false information provided by their contractor partner, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During an emergency HVAC installation for my elderly parents, XXXX XXXX financing manager assured XXXX XXXX the GoodLeap loan included : No payments for 12 months and No accural interest. And principle payment and interest will begin on the 13th month. 

Approximately a month later, I was informed by GoodLeap that interest actually accrues from day one and will be charged retroactively unless the loan is paid in full by the 12-month mark. This was never disclosed properly and contradicts what I was told. Instead of offering any type of resolution they informed me that this isn't something they can fix and I needed to follow up with the XXXX XXXX  XXXX. So, I ended up taking both XXXXXXXX XXXX XXXX and GoodLeap to XXXX and both responsed with, they are not liable for any miscommunication and refused to hold any accountability. XXXX says they do not monitor how their own loan is sold from their partnership companies. They clearly said they are not liable for any misrepresentation. 

This is a textbook bait-and-switch tactic. When I brought it up, the contractor reversed their statement and dismissed it by saying, You signed the contract. I believe this practice is predatory, deceptive, and violates consumer protection laws, especially given the urgency and vulnerability of the situation involving my XXXX parents in extreme heat. 

Desired resolution : Honor the originally promised loan terms ( no payments or interest accrual for 12 months ), Or credit first 12 months of interest that will be tacked onto my account since this loan can not be paid off within first 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
b'I am the Executor and the Fiduciary of the \'Family Trust" established in my son\'s will. He died on XXXX XXXX XXXX without placing a beneficiary on his personal savings, or establishing privileges to me on his business account. His company is mentioned in his will along with his desire for me to decide to continue or close it.  \nWells Fargo Bank in XXXX XXXX Fl will not provide me statements of any of his accounts in violation of the Florida Fiduciary Access to Digital Assets Act, Chapter 740. (This Act was specifically mentioned in his will to allow for access to these accounts.)  I am unable to determine information to file a required Quarterly report to the IRS. I also can not follow up on money owed to the company by customers, and company charges waiting to be paid.  I am not being allowed working capital to continue the business and it is therefore being lost. \nI estimate that the total in all accounts is approximately $XXXX  XXXX. Estate expenses for funeral, XXXX XXXX XXXX XXXX and FIVE days at XXXX XXXX XXXX XXXX Fl, including two XXXX, will far exceed personal deposits. WF insists I must get a court order or go through probate before they will release any information. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have provided a copy of my son\'s XXXX, Minutes of company meeting detailing my 5% interest in the company, copy of the Florida Assets Act, Death Certificate, and my driver\'s license to Wells Fargo bank and WF Complaints office.  Their case # is XXXX. They have made a final determination not to supply me with any information without a court order or going through probate.\nI turn to you as a last resort before having to spend money foolishly on court forms and an attorney.'

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 2025-07-30 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I have no relationship with the creditors responsible for these inquiries. Please remove them from my report without delay.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between XXXX and XX/XX/XXXX, several unauthorized hard credit inquiries were made on my TransUnion credit file without my knowledge or consent. These inquiries were not initiated by me and are the result of identity theft. I did not apply for credit with any of the following institutions, nor did I authorize any third party to do so on my behalf : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion On XX/XX/XXXX, I submitted a formal written dispute to TransUnion identifying these inquiries as fraudulent, citing violations of 15 U.S.C. 1681b ( c ) ( Furnishing consumer reports without a permissible purpose ), 15 U.S.C. 1681c-2 ( Blocking information from identity theft ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

I also submitted a police report in accordance with the FCRA to document the identity theft and included all supporting documentation with my dispute. TransUnion has a legal obligation to block and delete all fraudulent inquiries within XXXX business days of receiving a valid identity theft report. I demand full removal of these inquiries and an updated credit report reflecting the correction.

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 2025-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC
State: NM

Complaint narrative:
I had made arrangements to pay a medical bill that was combined from XXXX different encounters. XXXX was from XX/XX/XXXX and XXXX of XXXX and the other one was for XX/XX/XXXX. I made the first payment in XXXX and I made payments once a month thereafter to current date. XX/XX/XXXX I receive a notice by text my account had been sent to XXXX XXXX XXXX. I spoke with the collections department and they told me that I had not made a payment towards these bills which were now in collections separately. and I said I would contact the hospital to find out where the payments I had made monthly and find out where these funds were sent. I went to see the cashier in the billing department at the hospital in person to pick up my statementXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, New Mexico, and she informed me my payments had been applied to the wrong account. It shouldve went towards the facility charges first and they were combined, but the hospital billing department was applying those towards the ambulance charges and the doctors fees. She told me she would speak with her supervisor and since it has been less than 30 days and they had just turned it over to collections she would talk to her supervisor and see if they could not get it back in house ar the hospital. In the meantime I could fill out a financial assistance application and possibly get my payment reduced due to such a high amount that I would owe. I told her that we would not qualify for that, but she said just try and if I got denied I could still maybe get a manageable payment. I called back and told her my husband did not want to do the application and submit our information due to their error. She said she spoke to her supervisor and if we did not do the application, then they would leave the debt in collections as is and I would have to go through them to settle the debt. She wanted me to make payment arrangements on another account that was at the hospital. I had spoken to my patient advocate through my insurance and the claim for {$1800.00} had gotten denied due to incorrect coding. The hospital billing department coded the treatment room as lidocaine for {$1800.00} so I told her that is XXXX of the reasons I would not set a payment arrangements for that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXX Vanilla Gift card on XXXX XX/XX/year>, in the amount of {$200.00} ( plus the {$7.00} activation fee ). The packaging was completely intact at the time of purchase. When I opened the package I found that XXXX numbers of the XXXX digit card number had been scratched off the card. Without the complete card number the card can not be activated or used ; it is completely worthless. The defaced number was underneath the sticker reminding you to activate the card, so it is clear that the damage occurred prior to packaging. I filed a complaint with the company ( case XXXX XXXXXXXX ), but I have not yet received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: KY

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-30 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XX/XX/year> 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 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 2025-07-30 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:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act, specifically 15U.S.C. 1681i ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ), 1681i ( a ) ( 2 ) ( failure to forward consumersubmitted evidence ), 1681i ( a ) ( 5 ) ( failure to delete unverifiable information ), 1681i ( a ) ( 6 ) ( failure to give notice ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). In addition, Experians conductnamely mischaracterizing my dispute, accepting unreliable furnishers responses, and permitting reinsertion of previously deleted tradelinesconstitutes unfair acts or practices in violation of the Consumer Financial Protection Act, 12U.S.C. 5531 ( c ) and 5536 ( a ) ( 1 ) ( B ). These failures align with the allegations in the CFPBs complaint filed XX/XX/year>, against Experian for conducting sham investigations and ignoring consumersubmitted documentation. 



please see attachments

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 2025-07-30 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act, specifically 15U.S.C. 1681i ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ), 1681i ( a ) ( 2 ) ( failure to forward consumersubmitted evidence ), 1681i ( a ) ( 5 ) ( failure to delete unverifiable information ), 1681i ( a ) ( 6 ) ( failure to give notice ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). In addition, Experians conductnamely mischaracterizing my dispute, accepting unreliable furnishers responses, and permitting reinsertion of previously deleted tradelinesconstitutes unfair acts or practices in violation of the Consumer Financial Protection Act, 12U.S.C. 5531 ( c ) and 5536 ( a ) ( 1 ) ( B ). These failures align with the allegations in the CFPBs complaint filed XX/XX/year>, against Experian for conducting sham investigations and ignoring consumersubmitted documentation. 



please see attachments

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 2025-07-30 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

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

Company response to consumer: Closed with non-monetary relief