vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a XXXX  XXXX account that is reporting charged off month after month for 22 months straight which is a metro 2 violation. I have disputed multiple times asking for full method of verification and correction of the account and they have come back each time very quickly as verified. They are willful non compliant and refuse to update the account. I am requesting the permanent deletion of this account from my credit reports due to repeated and willful Metro 2 and FCRA violations. The furnisher and credit bureaus, XXXX  and TransUnion, have continued to report this account as a charge-off month after monthviolating Metro 2 guidelines ( Section 2.58, Account Status Codes, and Section 2.64, Payment Rating/Status Updates ), which prohibit re-aging or re-reporting a charged-off account as newly delinquent. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information accurately, and under 611 ( a ), the bureaus are required to conduct reasonable reinvestigations of disputes. Despite multiple direct disputes providing evidence of these violations, the bureaus have verified the inaccurate data without proper investigation, constituting noncompliance with FCRA 1681i ( a ) and 1681s-2 ( b ). The continued monthly charge-off reporting misrepresents the accounts status, inflates derogatory activity, and is a clear violation of Metro 2 reporting standards. As a fair and appropriate resolution, I request the complete and permanent deletion of this account from all credit bureau files.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a guardian account for my granddaughter at Chase for her XXXX. As of XX/XX/year>, social security stopped sending her a check which is being appealed & i have an attorney on the case.I noticed today the account was negative and looked at the transactions and saw several maintenance fees.I called bank & mentioned it was being done since XXXX and they were going into another account at chase withdrawing funds from my SS XXXX to cover the amounts which i never agreed to, so who had the authority to do that? The bank refused to honor my reimbursement and I advised I'd be reporting to an agency to fight for my money.I also asked should i close this account to avoid other charges or leave open while investigation is being done.They responded its my discretion. I am XXXX and have both accounts under my name to receive government funds monthly, I can not afford to pay monthly fees. I try to maintain positive amounts and will transfer money if it was my negligence of overdrawing funds from my own account by mistake but not to just pay for a bank account r i can do XXXX XXXX which i think is what i may have eto do after this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Called Experian to inform them that I did not authorize inquiries that are reporting to credit file. Experian stated that they will remove them but inquires are still reporting to file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
Prior to XX/XX/year>, I set up a XXXX  business account with " Tap to Pay for XXXX  '' feature in order to accept credit cards at a local XXXX XXXX. On XX/XX/XXXX, XXXX, and XXXX, I initiated credit card transactions amounting to {$480.00} in funds which should have been reflected on my XXXX  business account. As of XX/XX/year>, these transactions are still listed as " pending '' despite XXXX XXXX assertion that it should only take 30 minutes for the transaction to clear. My customers have my art pieces and I have no way of contacting them. XXXX  has my money and has stated that there is no clear timeline for fixing the problem and that I should just continue to wait indefinitely. I have reached out to XXXX  business support multiple times and spoken with a manager. I have reached out to Paypal Inc. support with XXXX success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can properly assess your claim : 1. The name and address of the original creditor.

2. The original account number with the original creditor.

3. The date of the alleged debt and the date of last payment.

4. The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and any other charges.

5. Copies of any written agreements or contracts bearing my signature that substantiate your claim.

6. Proof that you are licensed to collect debts in my state and that you have the legal right to collect this specific debt. 

Please note that until the requested information is provided, you must cease all collection activity on this account, including reporting to any credit reporting agencies, per FDCPA regulations. Any failure to comply with this request may constitute a violation of federal law. 

I request that all future communications regarding this matter be in writing only and sent to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
b"I want to dispute these accounts   because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges.  I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.XXXX XXXX XXXX XXXX Balance:$XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX Balance: $XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX  Balance: $XXXX XXXX\nXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
there where false reports on my score and i do feel like they need to be looked at

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> Account Name : Total Card Funding LLC Account number:XXXX  I do no recognize the account above, can you please provide XXXXProof of ownership of account XXXXProof to collect debt in the XXXX XXXX XXXX XXXXXXXXProof your company carries a insured bond XXXX.Proof of how your company assessed the outstanding debt. 
XXXXPayment history of original creditor XXXX.Name Address of original creditor. 
XXXXOriginal contract binding myself and the company together XXXXChange of title of the debt proof you can collect this debt from me XXXX. Do you own this debt or is it assigned to you. 
XXXX copies of all the letters sent to me from the new company and original creditor. 
XXXXHow much was the debt. 
XXXX when was the last day a payment was made on this debt. 

in order to move forward with this collection process I am requesting all of the above documentation if false remove it from my credit report, please and thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I attended XXXXXXXX XXXX XXXX  University since XXXX up until XX/XX/XXXX. The XXXX  email was hacked as well as my private information ( ssn, address and other information ). I was scammed out of XXXX through email from a fake XXXX  saying a tech was moving and was selling items to in which i sent money through XXXX to purchase said items. I then was told that the school had a breach of our information when i attempted to update my address and bank account information to receive my disbursement from a third party company they use called XXXX account. Which i made previous complaint about with cfpb. Due to that breach i am currently being harassed by many fake loan companies and other entities inquiring about products and services. I am requesting a forgiveness and refund of all loans as well as XXXX in compensation for withholding this information from me, when we should have been told as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX account went into delinquency in XX/XX/year>. The first missed payment was in XXXX of XXXX. It is stated in the FCRA codes and laws that the delinquency is the first missed payment and the day of a repossession. All three credit bureaus are reporting the delinquency date of the repossession date, the date the car was repossessed. This is inaccurate. The XXXX missed payment was XXXX of XXXX  which means this account should be deleted for XXXX  years from the delinquency date.

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 2025-10-05 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: NC

Complaint narrative:
15 USC 1681e ( b ) 15 USC 1681i ( 5 ) ( a ) 15 USC 1681 a ( 2Xi ) XXXX  XXXX Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER ACCOUNTS REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION INTENT TO SUE : CRIMINAL CREDIT REPORTING I, XXXX XXXX, do declare and say under the penalty of perjury that the below statements are true and correct to the best of my knowledge and belief. This Notice is issued as demand for the next suitable course of action regarding the erroneous reporting entries in my credit file which I suspect to be fraudulent, unauthorized and in contravention of the consumer rights accorded to me under FCRA and other North Carolina consumer protection laws. 

XXXX. ACCOUNT DETAILS IN QUESTION XXXX XXXX XXXX XXXX XXXX : Opened XX/XX/year> XXXX XXXX XXXXXXXX # XXXX : Opened XX/XX/year> XXXX. LEGAL BASIS OF DEMAND a. Breach of Fair Credit Reporting Act : Posting the aforementioned accounts on the consumer 's credit file without admissible, duly verified, and authenticated documents, along with a demonstration of permissible purpose, constitutes a breach of the Fair Credit Reporting Act 's ( FCRA ) accuracy and dispute-related provisions.

b. Breach of North Carolinas Consumer Protection Statutes : The consumer protection statutes in North Carolina include additional prohibitions against the reporting of incorrect, unverifiable, or unauthorized credit information. I argue that the reporting of these accounts, which I believe consist of fraudulent trade lines related to repossessions due to identity theft and unauthorized collections, has negatively impacted my creditworthiness and violated my informed consumer rights under state 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 2025-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I when to the ATM at Bank of America in XXXX MD on Friday XX/XX/year> around XXXX with my sons XXXX XXXX to take the cash assistance money and the ATM never gave me the money the amount was {$380.00} the ATM gave me an error message and when I try again it say insufficient funds so basically the ATM stole the money. I when immediately inside the branch and they told me that is nothing that they can do that I have to call XXXX. I when to the social services office and file a report since the money was not in the card anymore. XXXX  has XXXX and they can verify my version. I really hope that you can please investigate and this get resolved. Unfortunately I done have any type of documentation since it didnt print anything for me.

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 2025-10-05 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: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: LEXISNEXIS
State: MS

Complaint narrative:
I have reached served LexisNexis 2 notice of disputes regarding unverified information about a bankruptcy that they have reporting on their consumer platform. They did not get the information from its original source and refuse to delete the information even without the written permission or instructions of the consumer to who this matter pertains to. They still have not sent me any documentation providing their method of verification, what information was used to verify it or who verified that the information is 100 percent accurate. They did get written permission to make any report on me which constitutes identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

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 2025-10-05 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing this complaint against Ally Financial for knowingly reporting false and inaccurate information about a closed automotive lease, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681b ( a ). 
On XX/XX/XXXX, and again on XX/XX/XXXX, I disputed the Ally Financial tradeline through all three consumer reporting agencies ( XXXX XXXX and XXXX  ). Both times Ally verified the account as a charge-off, even though my lease was paid in full and I was never in default. The only issue raised after the lease ended was a separate insurance matter unrelated to the lease itself. 
Ally has therefore knowingly continued to furnish false data after receiving notice of dispute from the CRAs, constituting a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). They have also failed to ensure maximum possible accuracy as required by 607 ( b ).

This lease is not a credit transaction, and its furnishing to CRAs violates the FCRAs permissible purpose requirement ( 604 ( b ) ). Ally obtained and furnished my consumer report information without lawful authorization, violating 604 ( b ) and 1681q ( false pretenses ). Additionally, Ally failed to provide the FTC-required co-signer disclosure under 16 C.F.R. 444.3. 
Their conduct has caused measurable harm to my credit scores, denied credit opportunities, and emotional distress from repeated verifications of false information. 
Requested Relief : Immediate deletion of the inaccurate lease tradeline from all CRAs.

Written confirmation of correction.

Civil settlement of {$5000.00} for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 
Supporting authorities include 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, each confirming that non-credit lease obligations fall outside the scope of permissible consumer reporting.

Company response to consumer: Closed with explanation