vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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 was pressured into unknowingly signing a Goodleap contract that locked me into a 25 year loan. 

On XX/XX/year>, I was approached at my home by XXXX door-to-door salesmen representing XXXX, a solar company. I made it clear that I was not interested in any loans or long-term debt. They responded by claiming this was not a loan and that I could cancel at any time without penalty. They promised that their solar system would eliminate my need for grid electricity and fully power my home with an additional 30 % margin for safety. They said I would never have to pay another electricity bill. 

They offered a system for $ XXXX, which I declined. They dropped it to {$220.00}, citing a military discount. I requested two days to think, but they pressured me by saying the deal might expire and they wouldnt be able to return. Around XXXX XXXX  that night, they convinced me to proceed, again stating I could cancel at any time and would never owe more than the solar bill. 

They sent XXXX links for two contracts : one with XXXX, and one with a financial firm called GoodLeap. They quickly walked me through the documents and strongly discouraged reading the fine print, summarizing key parts verbally instead. I later discovered I had signed a 25-year financing agreement with increasing payments, a 10-day cancellation window ( which I was never told about ), and no cancellation clause. I also discovered the system was only designed to offset 81 % of my power usagenot 130 % as promised. 

The solar system wasnt installed until XX/XX/XXXX, nearly XXXX months after I signed, well after the cancellation window expired. When I raised concerns on XX/XX/XXXX ( before installation ), the sales rep insisted again that I could cancel any time and that the lien is only on the panels, not the house. He claimed that if I stopped paying, theyd just take the panels backno harm.

The system is now active and underperforming severely. Even in sunny conditions, I remain 3040 % reliant on the grid, and on cloudy days, output drops to 1.5 kW or lessnowhere near what is needed to power the home. The battery backup drained from 97 % to 25 % in under 3 hours despite light usage. 

I now face double utility bills : my regular electric provider and a new $ XXXX monthly payment for 25 years on a system that can not meet my needs. The full payoff is nearly {$44000.00}. I was clearly misled by XXXX and locked into predatory financing through GoodLeap based on false promises.

I request investigation into these deceptive and abusive practices and if possible help free me of the contractual obligations I was misled into signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the reporting of multiple late payments across several accounts listed on my credit report. These include credit cards such as XXXX, XXXX XXXX, The XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as non-credit card accounts including XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Many of these are closed and still reflect derogatory payment histories. 

Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be reinvestigated for maximum possible accuracy. If not fully verifiable with documented proof, they must be promptly deleted under 1681i ( a ) ( 5 ) ( A ).

For credit card accounts specifically, I also invoke my rights under the Credit CARD Act ( 15 U.S.C. 1666b ), which requires a 21-day minimum grace period before a payment can be considered late. If the creditor reported these lates without full compliance with that law, it is a legal violation.

I previously submitted similar complaints where the results lacked proper verification methods or evidence. I am now demanding a thorough reinvestigation along with complete compliance with 1681i ( a ) ( 7 ) including a detailed explanation of how each late payment was verified, what records were used, and proof of compliance with billing notice requirements.

The companies must supply full reinvestigation documentation or delete these items. If they respond with generic verified as reported language without supporting documentation, I will escalate the issue further. These errors are severely damaging my credit and must be resolved properly under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the reporting of multiple late payments across several accounts listed on my credit report. These include credit cards such as XXXX, XXXX XXXX, The XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as non-credit card accounts including XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Many of these are closed and still reflect derogatory payment histories. 

Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be reinvestigated for maximum possible accuracy. If not fully verifiable with documented proof, they must be promptly deleted under 1681i ( a ) ( 5 ) ( A ).

For credit card accounts specifically, I also invoke my rights under the Credit CARD Act ( 15 U.S.C. 1666b ), which requires a 21-day minimum grace period before a payment can be considered late. If the creditor reported these lates without full compliance with that law, it is a legal violation.

I previously submitted similar complaints where the results lacked proper verification methods or evidence. I am now demanding a thorough reinvestigation along with complete compliance with 1681i ( a ) ( 7 ) including a detailed explanation of how each late payment was verified, what records were used, and proof of compliance with billing notice requirements.

The companies must supply full reinvestigation documentation or delete these items. If they respond with generic verified as reported language without supporting documentation, I will escalate the issue further. These errors are severely damaging my credit and must be resolved properly under federal law.

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 2025-07-23 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-23 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-07-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have called the card distributor multiple times only to be hung up every time. Wont even go to a live person and wont accept the card information that I provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the permanent removal of the inaccurately reported repossession from my Equifax credit file related to the following account : XXXX Account Number : XXXX This account is being reported as a repossession without any valid proof, supporting documentation, or compliance with legal procedures. The creditor failed to provide a notice of default, right to cure, or deficiency notice, and no verifiable documents were provided upon dispute. This makes the reporting incomplete, inaccurate, and a violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

Therefore, I am requesting : That Equifax reinvestigate this account and obtain full original documentation from the creditornot just e-OSCAR dataincluding repossession records, default notice, sale confirmation, and accounting of any claimed balance ; That if the furnisher can not provide full legal validation, the repossession must be immediately removed from my credit report ; That I be sent a written confirmation of the outcome and an updated credit report reflecting the deletion within 15 business days.

This is a final demand for correction. I have already submitted a complaint to the CFPB and will escalate further if not resolved. I am asserting my legal rights and expect compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I am writing to formally dispute and request validation of multiple student loan accounts being reported under my name by EdFinancial Services. According to my credit reports, 12 separate accounts are being reported, all under the same or similar account number, but with varying balances and statuses. This appears to be duplicate, misleading, and potentially unlawful reporting under federal law. 



I am requesting full validation of the following alleged accounts : XXXX. {$3900.00} XXXX. {$3800.00} XXXX. {$3600.00} XXXX. {$6500.00} XXXX. {$3500.00} XXXX. {$6300.00} XXXX. {$3600.00} XXXX. {$6400.00} XXXX. {$4600.00} XXXX. {$6400.00} XXXX. {$4600.00} XXXX. {$7800.00} Pursuant to 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681i of the FCRA, I demand that you provide : 1. A copy of the original signed promissory note or loan agreement for each account 2. A complete payment history and breakdown of principal, interest, and fees for each balance 3. An explanation as to why the same account number is reported under 12 different balances 4. Proof that you have the legal right to report this information to consumer reporting agencies 5. A written statement verifying the accuracy and legal status of each listed obligation Cease and Desist Communication Under 15 U.S.C. 1692c ( c ), I also request that you immediately cease all communication with me, except to respond to this validation request in writing. Any continued collection activity including reporting unverifiable information to credit bureaus without fulfilling this legal obligation may constitute willful noncompliance and expose your company to legal action.

If you are unable to validate these accounts in full, I demand their immediate deletion from all credit reporting agencies to which you have reported. 

Please respond in writing within 30 days of receipt. All future correspondence should be sent to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: FL

Complaint narrative:
Summary of Dispute I dispute the derogatory reporting of 30-day late payments for both KOVO accounts, as it is factually inaccurate and in violation of both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines.

My accounts were set to auto-pay, and transactions show timely payments or {$0.00} scheduled payments in multiple months.

KOVO continued to report delinquency despite timely or early payments ( e.g., XXXX XXXX : {$30.00} paid in XXXX, yet still marked 30-days late for XXXX ). 

XXXX XXXX and FCRA prohibit reporting a delinquency if the payment was not due or was made on time. 

Relevant Legal Precedent and FCRA Statutes XXXX Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) Credit furnishers must promptly correct inaccurate information and conduct a reasonable investigation when a consumer disputes an item. KOVO and the credit bureau are obligated to remove any inaccurately reported delinquencies.

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 information is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) This case established that furnishers and CRAs must go beyond a cursory confirmation of prior data and perform a real investigation into disputed accounts.

" The consumer reporting agency can not merely rely on the furnishers word without a detailed and reasonable inquiry. '' XXXX Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Held that continuing to report inaccurate negative data after notice from the consumer may constitute willful noncompliance with the FCRA, entitling the consumer to damages. 

XXXX. XXXX XXXX Reporting Standard Violation Status Code 7178 ( Delinquency Codes ) can not be applied if a payment was made on time or if no scheduled payment was due.

If a scheduled payment is {$0.00}, and the account is still marked 30 days late, that violates :
Metro 2 FAQ 58 : Delinquency should only be reported when a payment was due and not received.

Violation Summary KOVO INC Account Number Error Type Violation Details Resolution Requested XXXX False 30-day Late XX/XX/XXXX marked late, yet XX/XX/XXXX payment covered it Remove 30-day late from XXXX XXXX XXXXXXXX Inaccurate Delinquency XX/XX/XXXX payment made XX/XX/XXXX, yet marked 30 days past due Remove 30-day late from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Great American Finance Co
State: FL

Complaint narrative:
To Whom It May Concern, RE : Dispute of Inaccurate Reporting | GREAT AMERICAN FINANCECO XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX I am formally disputing the continued reporting of the above-referenced account as it appears on my credit report with XXXX  ( and possibly other CRAs ). This account is inaccurate, incomplete, and not compliant with the Fair Credit Reporting Act ( FCRA ), and must be corrected or deleted immediately. 

FACTUAL BASIS FOR DISPUTE : Creditor Name : GREAT AMERICAN FINANCECO Account Number ( Last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : Estimated XX/XX/XXXX Last Status Update : XX/XX/XXXX Reported Status : Paid, Closed yet still marked as Charge-Off COMPLIANCE ISSUES : Violation Type Details FCRA 605 ( a ) ( 5 ) Prohibits reporting charge-offs after 7 years from the initial delinquency ( DOFD ). Based on history, this XXXX likely occurred in XX/XX/XXXX or earlier. Reporting this status as charge-off beyond XXXX would violate this law. 
FCRA 623 ( a ) ( 2 ) Furnishers must report complete and accurate information. This account shows no current balance, is paid/closed, yet still listed with derogatory payment history, which misleads scoring models. 
XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX requires proper status code formatting for closed/paid charge-offs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX missing DOFD = non-compliant record. The charge-off should not be showing a rolling delinquency chain if the account is paid/closed. 
Obsolete Status Code Usage Reporting ongoing delinquencies after an account is closed/charged-off is a Metro 2 violation. Payment history should reflect final status at charge-off, not continued derogatory behavior. 

REQUESTED ACTION : DELETE this account from my credit report due to multiple reporting violations outlined above. 

If not deleted, the account must be : Re-aged correctly to reflect the actual Date of First Delinquency in XX/XX/XXXX. 

Updated to show XXXX balance, no active delinquencies, and proper closure status in accordance with Metro 2 reporting standards and FCRA 605 ( a ).

DOCUMENTATION ENCLOSED : Copy of government-issued ID Copy of proof of address ( utility bill or bank statement ) Credit report screenshot highlighting the disputed entry Please complete your reinvestigation within the 30-day period required under FCRA 611, and provide confirmation of deletion or correction in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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