vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOV ASSOC XX/XX/year> {$300.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: CT

Complaint narrative:
I am writing to request a formal validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting across Equifax, Experian, and TransUnion. Despite submitting disputes, the accounts remain incorrect and continue to harm my credit profile. 
XXXX XXXX Credit Card ( XXXX XXXX XXXX XXXX XXXXXXXX ) : Conflicting Date of First Delinquency and removal dates. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as consumer disputes, unpaid charge-off, and seriously delinquent depending on bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Paid charge-off with conflicting dates ( XXXX XXXX XXXX, XXXX closed XXXX, XXXX  removal XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as paid/was charge-off by some bureaus but missing from others. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reported as sold/was charge-off by XXXX, sold/transferred, paid/was charge-off by XXXX, and not listed by XXXX. 

These discrepancies violate FCRA 611, which requires accurate and consistent reporting. I request the CFPB require the bureaus and furnishers to reinvestigate with proper documentation, correct or delete unverifiable accounts, and ensure consistent reporting across all three bureaus.

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 2025-09-20 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting across Equifax, Experian, and TransUnion. Despite submitting disputes, the accounts remain incorrect and continue to harm my credit profile. 
XXXX XXXX Credit Card ( XXXX XXXX XXXX XXXX XXXXXXXX ) : Conflicting Date of First Delinquency and removal dates. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as consumer disputes, unpaid charge-off, and seriously delinquent depending on bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Paid charge-off with conflicting dates ( XXXX XXXX XXXX, XXXX closed XXXX, XXXX  removal XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as paid/was charge-off by some bureaus but missing from others. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reported as sold/was charge-off by XXXX, sold/transferred, paid/was charge-off by XXXX, and not listed by XXXX. 

These discrepancies violate FCRA 611, which requires accurate and consistent reporting. I request the CFPB require the bureaus and furnishers to reinvestigate with proper documentation, correct or delete unverifiable accounts, and ensure consistent reporting across all three bureaus.

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 2025-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
We refinanced. Prior to refinancing, I explained to XXXX that our homeowner 's policy will be increasing and I wanted to make sure we would not have an issue with escrow shortage. XXXX assured us there would be no escrow shortage. WELL WELL....... we are now faced ( 1 month after refinancing ) with an escrow shortage AND a new payment amount that is more than the payment on our original loan before refinancing. Needless to say, that have taken advantage of a XXXX XXXX as well as a military veteran. We paid a fortune ( to us ) to refinance and now we are worse off than we were before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: MI

Complaint narrative:
I am filing this complaint against inaccurate and misleading information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts, these errors remain uncorrected and continue to harm me financially and personally. 

The following inaccurate information has been reported : Wrong Addresses Listed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Incorrect/ Not associated with me. 

XXXX XXXX XXXX XXXX  XXXX, MI XXXX Incorrect / Not associated with me. 

Incorrect Account XXXX XXXX XXXX XXXX  ( SS XXXX ) Date Opened : XX/XX/2021 Balance : {$0.00} Wrongly reported as Late Payment. 

XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/2021 Balance : {$0.00} Wrongly reported as Late Payment. 

These accounts show a {$0.00} balance, yet are inaccurately being reported with derogatory late payment marks. This is materially false, misleading, and in direct violation of FCRA Sections 602 ( A ), 607 ( B ), and 623. 

These reporting errors have negatively impacted my creditworthiness, causing me denial of credit opportunities and emotional distress. 

Requested Resolution : Immediate removal of the inaccurate addresses listed above. 

Deletion or correction of the late payment entries for XXXX XXXX XXXX and XXXX XXXXXXXX XXXX , as both accounts reflect a {$0.00} balance and should not contain derogatory marks. 

Written confirmation of these corrections within 30 days, as required under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: CA

Complaint narrative:
I am disputing a XXXX XXXX account that is reporting inaccurate and misleading information. The account was closed, yet it continues to update monthly as a Charge-Off with inconsistent balances and {$0.00} terms that contradict a reported high balance of over {$30000.00}. The payment history shows OK for several months but also reflects charge-off and delinquency codes, which is contradictory. The account also lists an incorrect or missing Date of First Delinquency, which prevents proper reporting timelines. I previously disputed this, but the account was simply marked verified without providing the method of verification, as required by FCRA 1681i. Both XXXX XXXX and TransUnion have been involved in major data breaches, which raises additional concerns about the reliability of this reporting and the verification process.

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 2025-09-20 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: TX

Complaint narrative:
I dispute rthe XXXX XXXX account XXXX. Ally has reported inconsistent balances and payment histories acrfoss bureaus, violating FCRA 607 ( b ). This account must be deleted under {$610.00} ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: NJ

Complaint narrative:
I disputed a collection account that I believe is inaccurate. Experians investigation came back as verified. However, Experian did not provide me with the documentation or evidence that the debt collector supposedly submitted to verify this account, even though I specifically requested validation. This failure to provide the underlying verification denies me the ability to confirm whether the furnishers information is accurate, and is a violation of my rights under the FCRA.

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 2025-09-21 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: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong 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 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the evening of XX/XX/XXXX, I went to my job to pick up my check and deposit it through the mobile deposit feature in the Chase app. When I opened the app, I saw a charge for {$630.00}, from a company in XXXX, Texas, listed as XXXX XXXX. I did and do not know what this charge is for, or how it was made. I immediately called Chase customer support, and they cancelled my card and issued me a new number. The transaction posted yesterday, XX/XX/XXXX, removing the full amount from my account. I tried calling the number associated with the charge, ( XXXX ) XXXX which put me over to the XXXX XXXX XXXX phone menu, looking to see if there was any way I can speak to somebody about what happened, but there is no way to get a hold of support if you don't have an account. I plan on filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Charges were taken out of my bank account by XXXX. After searching, I found the following charges all taken out by XXXX XXXXXX/XX/XXXX {$75.00}, XX/XX/XXXX {$55.00} and {$33.00}, XX/XX/XXXX {$41.00}, XX/XX/XXXX {$41.00}, {$58.00}, {$62.00}, {$61.00}, {$62.00}, and {$200.00}. 
The charges on XX/XX/XXXX were all taken off a card i had just activated. XXXX claimed that they had that card number on file for over 3 years. After changing my card number again, XXXX  had that brand new number on file as well. I have filed disputes with my bank, Chime, multiple times and they keep denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
XX/XX/year> {$930.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Opened the mailbox and found a XXXX XXXX through XXXX and Synchrony Bank XXXX Checked my credit report and there was a hard inquiry 8 days ago. The cancellation process is an hassle and they want me to jump through hoops. After some research online I discovered that this has happened to many people. Im unsure how they got my information, but now I have to go through the hassle of freezing my credit. Companies that do this need to be shut down.

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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I don't have all the dates but Credit acceptance been callin me for 4 years and they got paid from the insurance people and they still calls me and i wanted this removed off my credit report because they car was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was making XXXX XXXX  monthly payments on my mothers credit card, where I was only an authorized user. The account was included in her bankruptcy and discharged. Despite this, automatic payments continued to be withdrawn from my account from XX/XX/XXXX, through XX/XX/XXXX, totaling {$1200.00}. These payments were voluntary on my part, and I had no legal obligation to continue making them. I requested information from the company on what the payments were being applied to, but they were unable to locate the account. I contacted my bank to dispute the charges and requested a refund, and I am also notifying my mothers bankruptcy attorney. 

I am currently experiencing financial difficulties of my own, and the XXXX XXXX  monthly payments could have been used to cover my own essential expenses. I am seeking a full refund of all payments taken after the bankruptcy discharge.

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 2025-09-20 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: CA

Complaint narrative:
I am disputing a XXXX XXXX account that is being reported inaccurately. The account was closed in XX/XX/year> and sold/charged-off, but it continues to show terms as Paid Monthly and a balance history that exceeds the reported credit limit. The remarks state Purchased by another lender ; Paid in full/was a charge off, which is contradictory and misleading. These errors violate Metro 2 reporting standards and the FCRA. I previously disputed this account, but it was marked verified without providing the legally required method of verification. XXXX and TransUnion have both been involved in data breaches, which raises further concerns about the accuracy and reliability of this 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 non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute with copies of my valid identification ( passport, drivers license, and Social Security card ). Instead of processing my dispute, I received a letter stating that my request did not appear to come directly from me or an authorized third party. This is incorrect. I am the consumer, and I submitted the dispute directly. By refusing to process my request, TransUnion has denied me my rights under the FCRA to have inaccurate information investigated and corrected.

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 2025-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX Subject : Complaint Against GoodLeap Loan Servicing Practices Summary of Complaint I am filing a complaint against GoodLeap, the financing company for my residential solar panels. GoodLeap has failed to provide adequate support when the installation company went out of business, and continues to charge me for a non-functioning system despite repeated promises to assist. 

Details System Non-Functional : My solar panels have not been working for several months.

Installer No Longer in Business : The installation company that originally set up the system has gone out of business.

GoodLeaps Promises : GoodLeap representatives have repeatedly told me that they would coordinate repairs or provide assistance, but no service has ever been scheduled or completed. 

Ongoing Billing : I continue to be billed {$300.00} per month for the solar loan, even though the system is non-operational and GoodLeap has not resolved the issue.

Bad Faith Practices : Their conduct constitutes misrepresentation and bad faith loan servicing, leaving me financially harmed.

Requested Action I request that the Consumer Financial Protection Bureau investigate GoodLeap for : Failure to assist borrowers when financed equipment is non-functional. 

Deceptive or unfair loan servicing practices ( promising assistance without delivering ). 

Continuing to collect payments without ensuring the financed system is usable. 



I seek intervention so that consumers are protected from paying for defective solar panel systems with no recourse.

Company response to consumer: Closed with explanation