vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: SC

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

Company 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 2025-12-16 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/year> - I tried a bank transfer which wasn't working so I linked a new bank ( XXXX ) and tried a bank transfer again. I got a notification that the transfer wasn't working and to contact Venmo support. I had previously had issues with the bank transfer and contacted Venmo without a resolution. 

XX/XX/year> : Venmo send an email that my account had been suspended due to unusual activity which may be in violation of the user agreement. The requested document upload which I submitted. I included both my ID and redacted bank statement to help with the bank transfer issue. 

XX/XX/year> : I received a notice that my account had been permanently deactivated and funds would be help for up to 180 days. I called the company and requested additional details. The agent said they understood my concern and would escalate my case. 

XX/XX/year> : I received a notice that my account would remain permanently deactivated and to " be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I responded and included the sender of the funds to the thread in hopes that they can verify their details and release the funds back to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
My payment has been on hold for over XXXX months due to the word XXXX being used in the note. The note was not related to any sanctioned country activity. No funds were sent to or intended for XXXX. Im requesting resolution or release of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I must emphasize that this complaint is not filed in error. 
My credit report contains inaccuracies that are not guaranteed to be accurate. 
These errors are causing significant distress and ongoing negative impacts on my life. 
Correcting them would provide substantial relief during this challenging period.

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 2025-12-16 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: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure maximum possible accuracy of information reported. Reporting a closed account as open violates this standard.

I am requesting that you conduct a reinvestigation and delete or correct this account immediately. If the furnisher can not verify the account as currently reported, it must be removed from my credit report.

Please provide written confirmation of the results of your investigation.

Thank you for your prompt attention to this matter. 
Date XX/XX/year> XXXX XX/XX/year> amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
I am disputing the deferred interest and penalties applied to my XXXXXXXX XXXX XXXXXXXX account following its transfer from XXXX XXXX  to Imprint. 

I was enrolled in a zero-APR promotional plan with autopay and had a consistent on-time payment history. I did not receive adequate notice of the account transfer, and autopay was terminated without my authorization or warning. The missed payments were directly caused by this servicing disruption. 

I am requesting the removal of all deferred interest and penalties and reinstatement of the original promotional terms, as this was not a willful failure to pay. Imprint has failed to carry over the terms of my account and payment plan. 

I have filed a formal formal billing dispute with Imprint via phone, the only mechanism they have for communication, today XX/XX/year> at XXXX in a one hour call with Customer Service agent named XXXX . The case number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am in XXXX XXXX, CA. In XX/XX/year>, I rented a car in XXXX XXXX, MO. My uncle was going to use the car. I made the reservation with XXXX and used my debit card. They charged my card {$620.00}. But when my uncle picked up the car, they asked for his card, and when he returned it, they charged him {$410.00}. I called to verify, and XXXX confirmed they charged him ... saying they don't ask for a bank card for a reservation until the person picks up the car, and that person is then charged. But they had already charged me... I spoke with the bank. They blocked my card, sent a new one, and filed a claim. There were so many inconsistencies. They didn't give me the correct information from the beginning. I sent some receipts late, and they closed the case. But on the very day they closed it, they told me to send them and the case would remain open and we would continue... When I checked the case status, it said closed. Then I called, and they said I needed another document for verification... I sent it to them, and now they're telling me again that they can't help because they're not authorized or something like that, that I submitted certain things late, and that they don't have the rights to the transaction... I don't think this is right. I sent my receipts, and everything is clear and detailed, and they can't help me with my claim, which they closed because they supposedly don't have the rights to the transaction...

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 2025-12-16 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding certain items on my credit reports with XXXX, XXXX, and TransUnion. Below are the details of the disputed accounts and inquiries : Charged Off Accounts : XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} Inquiries : XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/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 2025-12-16 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following items reported by the three major credit bureaus : Experian, I have outlined the accounts in dispute under the appropriate categories below.

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$6600.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$650.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$21000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2700.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$770.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$660.00} XXXX, XXXX, XX/XX/XXXX, {$4100.00} ============================== INQUIRIES 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 2025-12-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am disputing this GM Financial account and requesting validation of the alleged debt. I have not received documentation explaining how the balance was calculated or confirming my legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 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: SC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I had somethings removed off my report and Equifax and TransUnion reapplied the information and are reporting false information which lowered my credit score they also sold my information to third parties without my consent which under the law they can not do they failed to provide validation of debt or send a XXXX which should be giving when you sell debt to a third party they consistently report false information and never do proper investigations

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 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial with whom I was making payments to repossessed my vehicle after I was told by their representative to make a payment of XXXX so that my vehicle would not be repossessed. I was only behind 2 months. And I asked them to put the payments at the end of the Loan. I was told in order for the payments to be put at the end of my Loan. I would have to make a payment of XXXX to XXXX dollars.for an extention fee. These people are scamming consumers, and taking advantage of consumers by knowing full well once a consumer is behind on payments. No matter for how many months. The so called exorbitant extention fee can't be paid. Therefore leaving the consumer such as myself to end up with a repossessed vehicle. Then instead of helping me by putting the payments at the end of My Loan which I would have had to pay Anyway. They reported erroneous information to the credit Bureau. Stating that I owed XXXX  dollars and for this reason my vehicle was repossessed. I can't stand Liers. These people know what they are doing by scamming consumers out of their money. And I would like them investigated and Stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation