vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Global Tel*Link Corporation
State: TX

Complaint narrative:
GTL Refund Problems On XXXX XXXX we attempted to send {$40.00} to our " loved one 's '' inmate trust account via GTL web app. For some reason the money went to their " debit pin '' account which is for phone calls only. We attempted to fix this problem by performing another transaction which did not fix the problem and only compounded the problem. We thought we could request a refund of the first transaction if the second transaction was successful. The second transaction was performed at XXXX. After both transactions failed we tried to reverse these transactions and were not able to. We tried to reverse these failed transactions as quickly as possible. When we found out we were unable to reverse these transactions by ourselves we tried to make a support call, but alas it was " after hours ''. 

On XXXX around XXXX we made a support call and spoke with their support staff with no luck. We were told that they were neither able to move the funds to the trustee account nor refund the funds to the credit card that we paid with. In an attempt to let this company resolve this problem we spoke with multiple levels of support all the way to their " Master '' support specialist. All of this team told us they were unable to transfer these funds nor refund the funds to us. The only sort of solution offered by GTL was for our " loved one '' to contact the GTL rep at the jail and have them possibly move the funds or request the refund, and upon release he is just supposed to know to contact this rep and request them to release these funds to him. If we attempt to reverse these transactions via our financial institution ( s ) they will stop all future transactions to our " loved one '' because it could make their inmate account in the red. We do not find these options to be reasonable resolutions to this problem. While waiting on hold for over an hour. I found this https : XXXX XXXX XXXX. XXXX In the matter of : Global Tel Link Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  GTL Financial Services XXXX 

This has evidently been a problem for quite some time and they have been fined for it. the problem still exists and is most likely affecting a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights 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 explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I filed a dispute with Venmo for a purchase I made The purchase ended up being HORRIBLE quality and I asked the seller to refund me. They refused. When I filed the dispute I was told it was going to take 30 days at most to get my money back. It has been told to me every single day you will get an update within XXXX business days. It has now been 89 days and no help at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
Re : Request for Deletion Inaccurate Reporting of XXXX  Account # XXXX XXXX XXXX  I am disputing the accuracy of the XXXX account ( # XXXX XXXX XXXX XXXX XXXX  ) currently reported on my credit file. After reviewing the information, I found multiple material inaccuracies and contradictions that violate several sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the original investigation took longer than 30 days and resulted in the errors not being corrected, which is a violation of 5 U.S.C. 1681i ( a ).

Conflicting Account Status Experian reports the account as Paid, while TransUnion and Equifax report Derogatory/Charge-Off. This inconsistency violates FCRA 1681e ( b ), which requires bureaus to ensure maximum possible accuracy.

Contradictory Comments TransUnion lists Payment after charge off paid profit and loss, Experian lists Unpaid balance reported as a loss, and Equifax lists Paid charge off. These conflicting statements violate FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ), as they show the data is not verifiable or consistent. 

Inconsistent Dates of Last Payment and Activity TransUnion reports last activity as XX/XX/XXXX, Experian lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. The last payment also varies between XX/XX/XXXX and XX/XX/XXXX. These timeline discrepancies violate FCRA 1681i ( a ) ( 2 ) ( B ) and 1681e ( b ), as the bureaus must ensure accuracy and proper verification during reinvestigation.

Credit Limit Errors TransUnion and Experian show a {$350.00} limit, while Equifax shows {$0.00}. A revolving line of credit can not have both a {$0.00} and {$350.00} limit, constituting inaccurate reporting under FCRA 1681e ( b ).

Contradictory Payment History Experian reports charge-off and late marks while Equifax reports OK ( never late ) for the same months. This inconsistency violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of inaccurate or unverifiable information after reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

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 2025-10-23 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: FL

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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
b'Mutual of Omaha is trying to get VA loan number from denied loan application so we can move forward to obtain the appraisal information to move forward on a new loan with them\nFreedom Mortgage has not released information to get on with this loan:  I payed out of pocket for this appraisal:  even XXXX XXXX \nOut of my pocket \nNeeding for Freedom Mortgage to cooperate!\nXXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : Resurgent/LVNV Funding Original Creditor : XXXX XXXX Platinum Balance : {$570.00} Date Opened : XX/XX/year> Status : Collection This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include, but are not limited to : - FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] : Failure to reinvestigate disputed information within 30 days.

- FCRA 611 ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( b ) ] : Furnishing data known to be inaccurate.

- FDCPA 807 and 809 [ 15 U.S.C. 1692e, 1692g ] : Misrepresentation and failure to validate alleged debts before reporting.

The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA 605 ( a ) [ 15 U.S.C. 1681c ].

If you can not verify this account with certified documentation from the original creditor bearing my signature, it must be permanently deleted from all credit files under FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with : 1. The results of your reinvestigation.

2. The name, address, and phone number of each furnisher you contacted.

3. Copies of any documentation used to verify the information.

If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA 616617 [ 15 U.S.C. 1681n1681o ], and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am completely disgusted with TD banking they denied my disputes of unauthorized transactions made on my account of up to {$1000.00} that I did not authorize nor did I give permission for those transactions to be made it states in the policy TD banking that you need and all unauthorized transactions made against a account holders checking account will not be held responsible if the account holder did not make the transactions! My bank card was stolen for me my information was stolen for me they had access to my account and was using my debit card to make fraudulent transactions of up to {$1100.00} I need that money back now and TD Bank didn't even investigate it they literally denied my dispute a day after I had submitted and was still submitting because it was multiple transactions and they denied it because they stated it looks like I was aware as my bank account was being logged into so presumpty it must have been me when I clearly stated that my account information was stolen I had to change my password and issue a new card and everything to keep them from logging in on my account I need this handled professionally and accurately because apparently people at TD banking investigations apartment of unauthorized fraudulent transactions do not do their job please help me!!! Is all the money that I had. And I am thinking about taking this to Federal Court and pushing a federal lawsuit because their lack of investigation department and the fact that it states in the policy that the account holder will not be responsible for any unauthorized or unpermitted transaction made against their account but yet here I am suffering and being held responsible even though I clearly stated that my card was XXXX stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
dear macys : Never used or had this account. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I disputed charges for a merchant called what not for my debit card and the dispute went on my end and turned up to be fraud. It also happened on my credit card maxing out my credit cards XXXX times in a row, causing me to be overdrawn. All three claims got denied. This makes XXXX sense. I have nothing to do with what not and I did not make these charges. This needs to be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercury Financial Intermediate LLC
State: NY

Complaint narrative:
This complaint is to dispute the alleged debt balance of {$4500.00} on the referenced account identified as XXXX which you claim I owe. This account was charged off and reports multiple chargeoffs for consecutive months which is unlawful and misleading. Furthermore, you have failed to provide Form 1099-C ( Cancellation of Debt ), which is required by the Internal Revenue Service when a debt is canceled or forgiven. You are fully aware that you can not lawfully report a balance on a charged off debt yet you unlawfully continue to do so. Your failure to provide the required form, and continuing to report misleading information raises serious questions regarding the legitimacy of your collection efforts and compliance with tax law. You are also in violation of 15 USC 1681S2A7 which states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies.

Thus, Under the Fair Debt Collection Practices Act 15 USC1692g, I demand full validation of this debt, including a complete accounting of the original creditor 's charges, payments, and adjustments, as well as proof of your legal authority to collect this {$4500.00} balance. 
Until you provide such validation, you must cease all collection activities, including credit reporting, as mandated by 15 USC 1692gb. As previously stated, your failure to issue form 1099C violates IRS Internal Revenue Code 6050p which affects my tax reporting obligations and impairs my ability to accurately report income. 

Please be advised that failure to complete your investigation in a timely manner constitutes a violation of the FCRA and may subject your agency to enforcement actions. I demand that you expedite your reinvestigation and provide me with the results promptly. I am demanding 1 ) immediate cessation of all collection activities until full validation is provided. 2 ) copy of the original contract or agreement evidencing my obligation.

3 ) a detailed accounting of all charges, payments, and adjustments related to the {$4500.00} balance.

4 ) proof of your legal authority to collect this debt.

5 ) issuance of a Form 1099C for the canceled debt.

Company response to consumer: Closed with explanation