vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Complaint Description : I am with XXXX XXXX XXXX, and we have had a merchant account with PNC Merchant Services for over three years. Since the beginning of the account, PNC has consistently overcharged us on the merchant discount rate. Our agreement specifies a rate of approximately 2.1 %, yet we have been charged over 4.3 % for the entire duration of our account. This discrepancy has resulted in an estimated XXXX XXXX  in overcharges. 

In XX/XX/XXXX, I sent a formal letter with supporting documentation to PNC Merchant Services, outlining the issue and requesting a refund. I received no response. I followed up by speaking with a PNC branch manager and emailing a detailed spreadsheet. The issue was escalated to retail services, but they claimed they never received any documentation and instructed me to contact merchant services again. 

On XX/XX/XXXX, I finally reached a representative who acknowledged the call was being recorded but refused to allow me to record. She again said no documentation was received and transferred me to merchant services, where I waited on hold for over XXXX minutes before having to hang up. 

I have made repeated, good faith attempts to resolve this matter over the past year and have only been met with delays, denials, and no written communication. This ongoing situation has caused a great deal of frustration and stress. 

I have all supporting documents available, including the original merchant agreement, monthly statements, and the refund calculation spreadsheet. 

Please note that I have merchant agreements under XXXX XXXX and XXXX XXXX XXXX. They should check the rates for both accounts and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Account CBS Collections I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I am submitting this complaint against GoodLeap, the lender that financed a solar panel system I purchased in XX/XX/XXXX from XXXX XXXX. XXXX XXXX has since filed for bankruptcy and is now voiding the XXXX warranty I was promised at the time of sale. 

Despite the product becoming defective and the core warranty being voided, GoodLeap is continuing to collect payments on the loan. Under the Federal Trade Commission ( FTC ) Holder Rule ( 16 C.F.R. 433 ), the lender is legally subject to the same claims and defenses that I would have against the seller. Since XXXX has breached its contract, and the system is no longer what was promised or functioning under warranty, I have submitted a formal dispute to GoodLeap.

GoodLeap acknowledged receipt of my dispute letter on XX/XX/XXXX and stated it would complete its review within 30 days. I cooperated fully and submitted all requested documentation, including the purchase agreement and warranty terms. However, as of XX/XX/XXXX, GoodLeap has failed to respond with any resolution and has also ignored a final 7-day deadline I issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
This was originally a XXXX XXXX XXXX  purchase financed with HfC. I paid out of pocket for the XXXX XXXX XXXX satisfaction guarantee which came with XXXX provided after treatment was completed. 
My treatment was about XXXX done and XXXX XXXX  sent some XXXX before completion and filed bankruptcy. I could not reach any XXXX for assistance, I couldnt reach their office for assistance, and HFC continued to collect a monthly payment. I sent several demands for them to stop and even after XXXX XXXX XXXX advised on their website to not make any further payments as they will not be completing care, HFC continued to draw from my account : I finally closed my debit card they were drawing from. They then stated they would sue me, send this to collection and that I still owed them for the care that XXXX XXXX  didnt finish : I went to an XXXX  locally and finished my XXXX XXXX at a very high price, well above what I owed for the XXXX XXXX  account. I sent this information to XXXX XXXX  and HFC. I heard nothing for months. There were several lawsuits filed by customers to reclaim their losses, but with XXXX XXXX out of business the payments went unpaid to victims. 


Recently HFC sold the debt to XXXX, who sent me a letter. I called them, explained the disputes, and they asked me to email them. Which I did, twice with no response. Today I see my credit score has dropped because they are reporting this debt to credit bureau. Ive begun the process of disputing this debt. 

Please assist!!! This company is collecting a debt for a business that failed to provide their contracted services, filed bankruptcy and left their customers stuck mid-treatment and now expect to be paid in full for services that werent provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TriVerity, Inc.
State: TN

Complaint narrative:
Apparently my daughter has a debt in just her name. We use the same bank. The bank reported to the debt collector that I made a payment on her car. Now they are calling and sending letters with my name on it like its my debt. And it is not. This debt collector has also called my husband and her sister to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
Submitting this claim of behalf of According to the FAIR CREDIT REPORTING ACT XXXX XXXX section XXXX it states. That there is no need to insure that consumer reporting agencies exercise their responsibilities with fairness impartially, and a respect for the consumers rights to privacy. EQUIFAX, Experian, and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private info is not shared which is backed by XXXX XXXX which states It is the policy of the of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non publicly personal information ( Furnisher of info to credit agencies ) as a financial institution by definition under that title XXXX XXXX XXXX section XXXX a section XXXX states that In general subject to subsection ( c ) any consumer reporting agency my furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates the financial institution and the consumer reporting agencies Equifax, Experian, Transunion do Not have my consent to furnish this info. And they do not have my written consent ever I have not given. Any and all consent to Equifax, Experian, Transunion whether be verbal or non verbal written impai or otherwise is revoked. XXXX XXXX ( b ) ( c ) states that a financial institution XXXX not disclose nonpublic personal information to a no. Affiliated XXXX XXXX Unless the consumer is given a explanation of how the consumer can exercise that no. XXXX option. They never informed me of the right to excercise my non disclosure option. Of only XXXX XXXX C ( A ) ( XXXX ) states except as authorized under subsection ( b ). NO consumer reporting agency XXXX make any consumer report containing any of the following items of info.Any other adverse item of info. Other than records of convictions of crimes which antedates the report by more than the XXXX years. This account is a adverse item they are reporting again without my permission which is against the XXXX XXXX XXXX ( a ) ( XXXX ) A states 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 info is inaccurate XXXX XXXX XXXX states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer report to the purposes listed under section XXXX of this title Equifax, Experian XXXX Transunion are not XXXX reasonable .Also XXXX XXXX XXXX states A consumer XXXX excercise their right to opt out anytime! I am opting out of your reporting services!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management has been attempting to collect the debt they claim I owe to them that was previously owned by the debtor known as citi bank. Over the course of three months, they have repeatedly contacted me but blocked any calls that I have sent to them immediately upon dial. All I hear is a tone. They admitted on a recorded call less than a week ago that my debt is still being reported by the original debtor that they are aware of it and that they are using it as leverage to get me to pay. It is very confusing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I took out a line of credit on my house for {$150000.00} in XXXX! I only use {$30000.00} and I paid back that {$30000.00} and Bank of America is telling me I withdraw {$150000.00} and I have to pay them back! I ask for a Transcript of the purchase and withdrawal of {$150000.00} they gave me znd they still cant provide me with all the withdrawal of {$150000.00} I withdraw in XXXX that they want me to pay back! I did not withdraw {$150000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX [ Phone Number ] [ Email Address ] Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unexplained {$130000.00} Mortgage Line of Credit No Transaction History Available To Whom It May Concern, I am writing to formally file a complaint and request an urgent investigation into a longstanding issue with a mortgage line of credit that has severely impacted my financial life. 

Approximately XXXX  years ago, a mortgage line of credit in the amount of {$130000.00} was opened in my name. However, there has never been any clear documentation, transaction history, or traceable record indicating when or how those funds were withdrawn, spent, or disbursed. Despite multiple attempts to retrieve this information from the mortgage servicer and financial institutions involved, I have not received any adequate explanation, statements, wire transfer records, or documentation reflecting usage of the funds. 

This unknown debt continues to reflect on my credit and has limited my ability to access new credit, refinance, or pursue personal financial goals. I believe this situation raises serious concerns about transparency, recordkeeping, and possibly even fraud. 

I respectfully request that the CFPB assist in investigating this matter and help ensure I receive a full transaction history and clarification on how these funds were utilized, if at all. Additionally, I seek guidance on how to dispute this balance if no valid proof of fund usage can be provided. 

Please advise on the next steps and whether additional documentation is required from my side. 

Thank you for your time, consideration, and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQURIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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