vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
They said my car was worth XXXXXX/XX/XXXX its not they lied they did the swap scam on me or yoyo scam they took my whole down payment of XXXXXX/XX/XXXX they scammed me out of everything idk what was going on til to late none of my down payment went to my car it all went to them now im stuck with a XXXX ) loan I had a down payment they took off XXXXXX/XX/XXXX for a car I only had a couple days it was their car I bought from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: MD

Complaint narrative:
I am filing this complaint because Volkswagen Credit , Inc. ( VCI ) has failed to accurately report the status of a repossession on my credit report for an excessive period of time, violating the Fair Credit Reporting Act ( FCRA ). 

Account Summary : I financed a vehicle through Volkswagen Credit in XXXX. Approximately one year later, the vehicle was repossessed, around XXXX. The repossession was completed, and the account should have been closed or reported as fully satisfied, charged off, or otherwise accurately resolved within a reasonable timeframe, and removed from my credit report after the legally mandated seven-year reporting period. 

The Issue : Despite the repossession occurring in or around XXXX, and it now being XXXX, Volkswagen Credit continues to report this account on my consumer credit reports XXXX XXXX XXXX and/or XXXX ) XXXX The initial date of the delinquency/repossession was in XXXX. Under the FCRA, most negative items, including a repossession, must be removed from a consumer credit report seven years from the date of the first missed payment that led to the repossession. Therefore, the maximum legal reporting period for this item has expired in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Receivables is reporting this account ( Account No. XXXX ) with materially inaccurate and misleading information. The account is being reported as an open collection while the underlying XXXX XXXX XXXX XXXX account is closed. This contradictory reporting misrepresents the true status of the account and can not be accurate as reported. Resurgent Receivables has failed to provide documentation validating ownership, balance, or authority to report this account after notice. Continued reporting of this unverified and inconsistent information is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed electronic funds transfers to an online merchant ( XXXX ) as unauthorized under Regulation E. Bank of America issued provisional credits during its investigation and later issued a final determination dated XX/XX/year>, concluding that the transfers were authorized and denying the dispute. 

I requested a written explanation of the basis for this determination and the categories of evidence relied upon, but this information was not provided. I am submitting this complaint to request that explanation and evidence basis in writing.

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 2025-12-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The following accounts are being reported with unknown payment history, charge-off status, incomplete data, and unverifiable investigation results, which is prohibited under federal law : Charge-Off / Serious Derogatories XXXX XXXX Acct # XXXX Charged Off {$500.00} XXXX XXXX Acct # XXXX Charged Off {$770.00} XXXX Card Services ( Chase ) Acct # XXXX Charged Off {$1200.00} XXXX XXXX  Finance Acct # XXXX Charged Off {$2500.00} XXXX XXXX Acct # XXXX Charged Off {$500.00} XXXX XXXX / XXXX XXXX XXXX Acct # XXXX Charged Off / Sold XXXX Bank XXXX XXXX XXXX {$1500.00} Improper Late Payment Reporting XXXX Financial Acct # XXXX Multiple late payments reported with inconsistent date coding across XXXX XXXX XXXX XXXX Acct # XXXX XXXX  late reporting ( 30180 days ) without proof of consumer liability ( All accounts above appear with missing contracts, no payment history, inconsistent balances, or unverifiable dispute results across bureaus. ) STATEMENT OF FACTS I previously disputed these accounts. The credit reporting agencies continue to publish this information without providing the method of verification, the name of the individual who verified the data, or proof that a lawful investigation occurred. 

Several accounts show : Unknown payment history No signed contract or original agreement Conflicting balances and dates across bureaus Continued reporting after dispute Re-aging and duplicate charge-off indicators This constitutes systemic noncompliance, not clerical error. 

FEDERAL LAW VIOLATIONS The actions of the credit bureaus and furnishers violate : XXXX U.S.C. XXXX ( b ) Failure to maintain maximum possible accuracy XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) Failure to disclose method of verification XXXX U.S.C. XXXX ( b ) Furnisher failed to properly investigate disputed information XXXX U.S.C. XXXX ( a ) Reporting obsolete, re-aged, or legally noncompliant data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Willful Violation of FCRA 623 - Furnishing Contradictory and Impossible Data I am filing this formal complaint against Ally Financial for willfully furnishing inaccurate and contradictory information to the Credit Reporting Agencies ( CRAs ) and failing to conduct a reasonable investigation under FCRA Section 623 ( b ).

Despite my previous disputes which Ally Financial claimed to have " investigated '' and " verified '' as accurate, an audit of my credit reports reveals a factual impossibility that proves the furnisher 's records are defective. 

THE EVIDENCE OF IMPOSSIBILITY : I have attached screenshots from my current XXXX  and XXXX reports. Ally Financial is reporting two mutually exclusive payment histories for the EXACT SAME account : On Experian : Ally reports the account was DELINQUENT ( 30-60 days ) in late XXXX  ( XXXX, XXXX, XXXX, XXXX ), but CURRENT/OK in XXXX. 

On XXXX  : Ally reports the account was CURRENT/OK in late XXXX, but DELINQUENT ( 30 days ) in XXXX. 

THE VIOLATION : It is factually impossible for the account to be both " Current '' and " Late '' during the same months depending on which bureau receives the file. By verifying this contradictory data as " accurate '' during previous disputes, Ally Financial has demonstrated negligence and willful non-compliance. XXXX  has already corrected this account to show 0 late payments, further proving the data is unreliable. 

MY DEMAND FOR RESOLUTION : Because Ally Financial can not produce a consistent, truthful payment history, the negative data is legally unverifiable. I have suffered damages due to these repeated violations. I demand Ally Financial immediately : DELETE all adverse late payment history from XXXX  and XXXX  to match the corrected XXXX  report. 

Update the account status to " Paid as Agreed '' / " Never Late '' for the entire history of the loan.

I do not accept a " correction '' based on guesswork. The records are demonstrably false and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> my cash app was hacked at XXXX CST I was asleep during this time however I woke up at XXXX to get my kids ready for school and I had 2 text messages first one I opened was from Cash App saying there was a new login at XXXX near TX. Then the other text message was from my bank XXXX sending me a XXXX XXXX. I then went to Cash App and notice 9 different transactions from {$49.00} to {$490.00} from 3 different unknown women only 4 transactions actually went through. So I went to my XXXX bank account and saw {$1700.00} was missing. I contacted Cash App and they said the would investigate, I called my local police and file a report and I contacted my bank to freeze all my accounts. At XXXX Cash App messaged me stating one of the disputes for {$490.00} is denied and will not be refunding me my money. 

Update : Cash App denied all claims and says I authorized the transactions which is not true at all. I even showed them all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
I am filing this complaint against TransUnion LLC for persistent violations of the Fair Credit Reporting Act and federal privacy laws, resulting in ongoing financial harm. 

TransUnion continues to report and disseminate negative consumer information on my credit file, including collections, charge-offs, late payments, inquiries, and closed accounts, without demonstrating permissible purpose, accuracy, or consumer authorization. 

These actions violate the Fair Credit Reporting Act, including : 1681b Improper disclosure without permissible purpose 1681e ( b ) Failure to ensure maximum accuracy 1681i Failure to conduct a reasonable reinvestigation Additionally, TransUnion has violated the Gramm-Leach-Bliley Act by sharing my nonpublic personal information without consent and failing to honor my opt-out election. 

As a result, I have suffered : Credit denials and unfavorable lending terms Increased interest rates Loss of financial standing and opportunity Emotional distress and reputational injury These damages are ongoing and directly attributable to TransUnions unlawful conduct.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
This affidavit is submitted as evidence of identity theft, data breach-related fraud, and unauthorized inquiries appearing on my Experian credit report. 

My personal data was compromised during the XXXX Data Breach. Unauthorized parties used my information to initiate fraudulent inquiries and attempted accounts.

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 2025-12-14 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I applied for a card with OneMain Financial for their brightside card. I never opened the mail from them and asked to decline the card. Instead, without me ever activating the card and accepting the terms and conditions, they opened the account, charged me fees, and reported it to the credit bureaus. I called them and they confirmed that the card was never activated, but that they opened the account and charged me anyway. I told them that they needed to remove the reporting to the credit bureaus, remove those fees, and make sure they closed the account. They said that all the would do is close the account, but they refused to discuss the removal of the credit reporting and that they would only request to waive the fee and that it may not happen, but I wouldnt know for 5 to 7 business days. XXXX XXXX XXXXXXXX. Noticed on Sunday, XX/XX/year> due to credit monitoring and having reports pulled for trying to get financed for a vehicle. Contact made at XXXX EST on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Product : Best Buy Credit Card Company : Citibank Issue : Problem with promotional rate/ Unexpected Interest.

I am trying to dispute a interest charge of {$650.00} that was applied after the expiration of Best Buy promotional offer. I did not understand that the promotion involved a deferred interest that would be added retroactively if the balance was not paid in full by the expiration date. I have maintained my account in good standing and continued to make on-time payments. Once I realized the interest had been applied, I contacted Citibank to request a one time courtesy adjustment to waive off this deferred interest but was unable to resolve this issue. Given my payment history and good-faith misunderstanding of the promotional terms, I am requesting a review and goodwill credit of all or part of the interest charged. During this period I was also undergoing treatment for a serious Medical condition, which contributed to my misunderstanding of the promotional payoff timing. I continued making payments and kept the account in good standing. Thanks.

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 2025-12-14 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I received a copy of my credit report and found the following items to be errors ; In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 a. It also states a consumer reporting agency can not furnish a account without my written instructions.

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act. Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the 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 explanation
Consumer complaint received 2025-12-14 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: PR

Complaint narrative:
I received a copy of my credit report and found the following items to be errors ; In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 a. It also states a consumer reporting agency can not furnish a account without my written instructions.

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act. Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. On XX/XX/year> I checked my credit report while applying for an apartment and discovered multiple accounts and inquiries that I did not authorize, open or use. Some are even reporting multiple times. 
The fraudulent accounts include credit cards, collections, and auto loans/repos, such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

I did not open or authorize these accounts and am requesting that they be investigated, blocked, and removed from my credit report, and that my profile be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: OH

Complaint narrative:
TransUnion is reporting an automobile tradeline furnished by XXXX XXXX XXXX as 120+ days past due with severe delinquency reported on a continuous monthly basis. The tradeline reflects no payment activity since XX/XX/year>, yet TransUnion continues to report ongoing delinquency and balance updates several years later. 
The reported balance has changed over time despite no payments being made, and the payment history contains missing or unknown ( ND/X ) months, which makes the delinquency timeline incomplete and not independently verifiable. There is no indication that TransUnion reviewed original source documentation, such as a signed contract, a complete itemized payment ledger, or billing statements, to substantiate continued delinquency reporting or balance changes. This tradeline represents the only materially adverse account currently being reported by TransUnion, and its continued reporting substantially suppresses the credit profile. I disputed the accuracy and completeness of this information and requested proper verification. Despite this, TransUnion continued reporting the tradeline without demonstrating that a reasonable reinvestigation was conducted. In addition, TransUnion is maintaining multiple prior or variant addresses on the credit file that are not associated with any current or verified creditor relationship. These unverified addresses appear to be used as identity-matching data during verification of the disputed tradeline, which raises concerns regarding unreliable reinvestigation and potential file contamination. Because the information can not be reliably verified and relies on incomplete account data and disputed identity information, the continued reporting is inaccurate and materially misleading.

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