vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
I rented a house in XXXX. XXXX was my landlord. The gave me XXXX days to move out or raise rent {$500.00}. I dont know who XXXX XXXX or XXXX XXXX XXXX Never met anyone from there, I have no contact information. They are saying i owe {$910.00}. Who and why am I paying someone I dont know. That house has been sold. Debt collector wont give me any information but to pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you because there are several mistakes on my credit report, and the credit bureaus are not fixing them even after I disputed. The information below is not accurate, and I need a proper investigation. 

Wrong Addresses These addresses do not belong to me and should not be on my credit report : XXXXXXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Wrong or Unverified Accounts XXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Charge-Off I do not know this account. I am requesting removal. 

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge-Off I do not know this account. I am requesting removal. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Late Payment The late payment reporting is not correct. I never made late payments, so I am requesting this to be corrected. 

These errors are hurting my credit, and the reporting companies are not following the Fair Credit Reporting Act ( FCRA ). I need these items properly investigated, corrected, or removed. 

Please respond in writing once this investigation is completed. 

Thank 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 explanation
Consumer complaint received 2025-11-25 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 submitting this dispute regarding the following accounts listed below. Please review and investigate them according to the Fair Credit Reporting Act ( FCRA ) and make the necessary corrections if any inaccuracies are found. The details of the disputed accounts are provided below : Charged-Off Accounts : XXXX  XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1600.00} Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( XXXX ) : XXXX  XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Issue : Bank account frozen and funds inaccessible for XXXX  days Company : Ally Bank Complaint : My Ally Bank checking account was frozen on Friday, XX/XX/year> due to an internal review triggered by a XXXX transaction I sent to a long-time friend. I have fully cooperated with every request from XXXX fraud analysts, and I am not reporting fraud or disputing any transactions. There has been no unauthorized activity on my account. 

Despite calling daily starting on Monday, XX/XX/XXXX and speaking with multiple analysts, my account has remained completely inaccessible for XXXX  days with no timeline provided for resolution. I have approximately {$4400.00} in the account, which represents all of my available funds. 

This prolonged freeze has severely disrupted my ability to meet basic obligations. I am unable to pay for housing, buy food, maintain essential tools for my business, or obtain my dogs medication. I also attempted to open a new credit union account, but the small opening deposit from Ally was rejected because the funds are frozen. 

Analysts have attempted to escalate my case to an account specialist/supervisor, but supervisors have been unavailable, and multiple transfer attempts have gone unanswered. I have been told only that I have to wait, without updates or any indication of progress. 

I am requesting the CFPBs assistance to ensure Ally either : Completes the investigation promptly, or Releases my available funds so I can meet immediate obligations and move my banking elsewhere. 

I have acted in good faith throughout this process, and the continued freeze is causing significant financial hardship. I respectfully request urgent review and assistance.

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 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During a recent attempt to purchase a vehicle, I discovered negative information on my credit report that I believe is incorrect. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. The inaccurate negative entries are harmful to my character and constitute a form of reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
During a recent attempt to purchase a vehicle, I discovered negative information on my credit report that I believe is incorrect. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. The inaccurate negative entries are harmful to my character and constitute a form of reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am requesting your assistance in addressing these accounts, which were not established by me and appear fraudulent. Please refer to the attached documents for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report, as detailed below. I believe these items are incorrect, incomplete, and may involve potential violations of the Fair Credit Reporting Act ( FCRA ). I request that these items be thoroughly investigated and corrected. 

CHARGED OFF Accounts XXXX  XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$41000.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$8100.00} XXXX  XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$930.00} LATE PAYMENTS XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I was reviewing my XXXX account ( account XXXX XXXXXXXX ), and from looking at my first payment, it appears that my payment is going to my interest only of this auto loan, with very little going towards my principal of the auto loan. I never seen this happen before with previous loans/lenders that I have conducted business with in the past. 

My first payment : {$600.00} was put towards my interest, while only {$7.00} was applied towards the principal amount. 

I feel that this is set in a way that does not give consumers any way to maintain paying down their loan, as no payment is really being applied to the principal, which in turn, will actually have the balance increase each month if it was continued to be applied in this manner, and if I would have known that was the case, I would of never went with this lender. My thoughts is to voluntarily surrender this vehicle, and have the loan charged off in circuit court with the XXXX of Pennsylvania due to unfair practice here. If this is how my payments are being applied, this loan will not show a decrease over time. 

I would like a thorough investigation completed against XXXX in regard to how they have these loans set up for people, because it seems to be unfair practice here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

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 TILA US Code 1666B 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 ( FCBA ) 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 2025-11-25 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
The item in question does not align with my actual financial behavior. Please update the file after proper evaluation.

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 2025-11-25 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: WI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple inaccurate and incomplete entries on my Equifax credit report. The following accounts listed as " Charged Off '' are being disputed due to inaccuracies, including incorrect balances and reporting of the dates of charge-offs. I request that you investigate the validity of these entries and provide me with an updated and accurate report : Charged-Off Accounts : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} ) XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} ) XXXX ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ) Inquiries : XXXX XXXX XXXXXXXX, XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.

Complaint narrative:
This refers to a XXXX transaction by Coinbase. 
Scammers convinced me to move money out of my wallet. 
I reported it to Coinbase in XXXX and theyve done nothing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am disputing the accuracy of the following accounts that have been reported on my Experian credit report as " XXXX XXXX. '' I request a comprehensive review of these accounts to ensure all details are correct and up to date. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Account Number : XXXX XXXX/XXXX  Account Number : 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 2025-11-25 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: MI

Complaint narrative:
I am submitting a dispute regarding the accuracy of the following accounts reported on my TransUnion credit report as " Charged Off. '' I respectfully request that you conduct a thorough investigation and make the necessary updates to ensure accuracy. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment Accounts : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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