vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, during the COVID-19 pandemic, Ally Financial approved a payment deferment for my auto loan due to financial hardship related to the public health emergency. This deferment was confirmed in writing by Ally via email on XX/XX/XXXX and XX/XX/XXXX. 

In those communications, Ally confirmed that the payment obligation would be deferred, the contract term would be extended accordingly, and no late fees or penalties would be charged during the approved deferment period.

Despite this approved COVID-19 deferment, Ally Financial reported a 30-day delinquency for XXXX XXXX to XXXX. This negative reporting contradicts Allys own written confirmation that the account was under an active deferment and should not have been reported as past due.

I later requested clarification and supporting documentation from Ally Financial, including the full payment history and confirmation of the deferment. Ally provided the payment history and confirmed the account was ultimately paid in full and closed in XX/XX/XXXX, with the lien/title released.

However, Ally has continued to furnish information to XXXX  reflecting a delinquency during the COVID-19 deferment period, which I believe is inaccurate and inconsistent with the approved relief and protections under the CARES Act. I have attempted to resolve this directly with the company, but the inaccurate reporting has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I initiated an international money transfer through Remitly on XX/XX/year> for the amount of XXXX XXXXXXXX. 
The transfer was not successfully completed/ was sent to the wrong account, and the intended recipient did not receive the funds. 
I contacted Remitly customer support multiple times via email and chat to report the issue and request a refund. Remitly informed me that an investigation and recall process was initiated. 
However, I have not received a clear resolution or the refund, and no confirmed timeline has been provided for when my money will be returned. 
I have fully cooperated and provided all requested information. The issue remains unresolved. 
I am requesting a full refund of {$3000.00} USD as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
{$750.00} was taken from my XXXX  balance via an unauthorized transaction. 
XXXX  denied my claim despite evidence of fraud and a filed police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FC HoldCo LLC
State: FL

Complaint narrative:
I am disputing a hard inquiry reported by XXXX XXXX XXXX on XX/XX/year>. I did not authorize this company to obtain my consumer report and did not apply for credit with this entity. 

Under 15 U.S.C. 1681 ( a ) ( 2 ), consumer reports may only be accessed for statutorily permissible purposes. XXXX XXXX XXXX has not demonstrated lawful authorization for this inquiry. 

The credit reporting agencys continued reporting of this inquiry violates 15 U.S.C. 1681 ( e ) ( b ), as it failed to ensure maximum possible accuracy by verifying authorization.

Any inquiry made in the absence of debt validation or lawful notice further violates 15 U.S.C. 1692c and 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, misleading, and contradictory credit reporting despite receiving prior notice and dispute. This complaint follows my second written notice to Equifax dated XX/XX/year>, regarding an account that Equifax has refused to properly investigate or correct as required by federal law. 

The account at issue is XXXX XXXX XXXXXXXX XXXX ( Account No. XXXX ). Equifax is reporting this account as a Charge-Off with a {$0.00} balance while simultaneously stating that the account was Purchased by another lender. This reporting is factually impossible, internally contradictory, and misleading. Once an account is sold or transferred, the original creditor no longer has the legal authority to continue reporting a charge-off or adverse status. Reporting both a charge-off and a sale constitutes improper characterization, double-counting, and a clear failure to maintain maximum possible accuracy under FCRA 607 ( b ).

Despite my prior dispute, Equifax failed to correct or delete this inaccurate information, demonstrating that it did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ). Instead, Equifax appears to have relied on automated verification or furnisher confirmation without critically reviewing the contradictory nature of the data being reported. Courts have consistently held that such superficial reinvestigations do not meet FCRA standards, especially when the inaccuracy is obvious on its face. 

Equifaxs continued reporting of this inaccurate account is damaging my credit profile and causing ongoing harm. Additionally, Equifax has failed to provide any meaningful explanation, documentation, or competent evidence establishing the accuracy of this reporting. If Equifax claims the account is verified, it has also failed to provide the legally required method of verification, including the identity and contact information of the verifying party, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

This conduct reflects a systemic failure by Equifax to comply with its statutory duties and demonstrates reckless disregard for consumer rights under federal law. Equifax has been given multiple opportunities to correct this issue and has chosen not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing the accuracy and legal compliance of a collection account being reported by Portfolio Recovery Associates , LLC, originally from XXXX XXXX XXXX. 

This account is being reported inconsistently and inaccurately across consumer reporting agencies. Portfolio Recovery is furnishing the same alleged debt under different names ( Portfolio Recovery A and Portfolio Recovery Associates ), with different creditor classifications, different payment status language, and incomplete reporting across Experian and Equifax. TransUnion does not report this account at all. 

Experian reports that the account is seriously past due and assigned to attorney, yet no attorney is identified, no lawsuit has been filed, and no legal action exists. This is a false and misleading representation of legal status in violation of the Fair Debt Collection Practices Act. 

The account is also reported using a vague and non-verifiable XXXX XXXX status code ( XXXX ), which does not accurately or clearly describe the legal status of the account as required under the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the account contains remarks stating dispute resolved consumer disagrees, despite Portfolio Recovery Associates never providing proper validation, chain of title, a signed agreement, or an itemized accounting of the alleged balance. 

Because this account can not be verified consistently, accurately, or lawfully across consumer reporting agencies, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: WA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX related to a residential lease in Texas. 

On XX/XX/year>, I requested debt validation by email. On XX/XX/year>, I sent a certified written validation request, which was delivered on XX/XX/year>. 

XXXX responded by providing a copy of the lease and a list of charges totaling approximately {$640.00}, including over {$420.00} for alleged cleaning and cooktop restoration. However, XXXX did not provide any documentation to support these charges, such as invoices, receipts, photos, or proof that any cleaning or repairs were performed. 

Under Texas landlord-tenant requirements, move-out deductions must be supported by itemized documentation. No such documentation was provided to me or to the credit bureaus. 

I disputed the account with all three credit bureaus. On XX/XX/year>, TransUnion completed its investigation and deleted the collection entirely because it could not be verified. 

Despite receiving the same dispute information and documentation, Experian continued to report the account as verified after its reinvestigation. This results in inconsistent credit reporting and continued reporting of charges that remain unsupported and unverified. 

The information being reported is inaccurate and incomplete because the furnisher has not provided documentation necessary to substantiate the disputed charges.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, I want to file a complaint regarding with my credit report. I have found an incorrect information on my file. As my first name is XXXX they reported it as XXXX instead, I want the H be REMOVED so that it matches my name. This kind of reporting can cause confusion and may result to identity theft and that could damage my reputation. I expect to see an updated report of my file without this incorrect spell of name showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My card was charged for a transaction from budget truck and I didnt authorize the transaction. I contacted my bank and I was told that a stop payment and a block was added to my account preventing the merchant from taking funds from my account. However the funds were still taken and I contacted my banking company again now Im being told that theres nothing that could be done at this time. I am facing a financial hardship and I will become homeless if Im not able to pay my rent I have already been served with an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: MO

Complaint narrative:
I opened a loan with Tolovana Financial DBA Birch Lending on XX/XX/XXXXXXXX  for {$500.00} and only received a printout of the payment schedule, which did not include interest and fees. I was unaware of the interest and fees associated with the loan amount, so I contacted Birch Lending on or around Wednesday, XX/XX/XXXXXXXX  and spoke with a customer service representative to request a copy of the personal loan installment agreement and was told I could only access this information from the company website. Unfortunately, I was unable to access the loan agreement information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-19 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-19 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I used PayPal to process a purchase for XXXX from my debit card. Today XX/XX/XXXX they issued me a refund to my card that made the payment. Instead of PayPal processing the refund to the original payment method. PayPal decided to take that money and apply it to a balance that I owe them. PayPal had nothing to do with this transaction. I didnt originally pay for the product with my PayPal debit card or PayPal balance. When I first called PayPal the first customer service rep was extremely rude and refused to help me and proceeded to put me on mute for XXXX before hanging up on me. The next agent her name is XXXX. XXXX refused to help me and told me that PayPal can basically do what they want. She told me to file a complaint and spelled out her name for me to include. This is the second time PayPal has stole money from me and everytime I file a complaint yall dont do nothing about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recuvery LLC
State: OR

Complaint narrative:
I disputed this account as identity theft and submitted a valid police report. 

Despite this, the debt collector continues collection and claims the debt is valid based only on boilerplate electronic contracts, IP addresses, and payment history. 

They are improperly shifting the burden of proof onto me by demanding that I prove I did not control an IP address or bank account, which is not required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

This constitutes continued collection of a disputed identity theft account, misrepresentation of debt verification, and unfair and deceptive practices in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a checking account in person at the Wells Fargo at XXXX XXXX XXXX XXXX XXXX MN I signed up with an account bonus of {$400.00} after direct deposits of {$3000.00} or more were made to the account. On XX/XX/XXXX a direct deposit for {$1500.00} was made followed by another direct deposit of {$1500.00} on XX/XX/XXXX. These were both made by my temporary employer at the time. The {$400.00} bonus should have posted after XX/XX/XXXX but no bonus was ever received.

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 2025-12-19 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX  XXXX contacted me about a car XXXX XXXX XXXX they kept asking me for more money I told them I have no money he said ok so they kept running my credit through multiple times hard pulls at that over and over making my credit go down and down so they told me I was refused the loan but if I put more money down I can get the car but I refused to give them anymore money so they told me no for the loan so I asked them to give me the reason why I was denied for the loan and so I asked them to us code title 15 ch. 41 subch. I s 1611 asked them was it their loan or was it sold or secured I challenge them us cod 15 ch. 41 subch. lV s 1691 and 1692 B. CUU 501. Title 15 ch. 41 subch. I 1601 part A. 12 CFR part 204.

CUU 3-104 3-105 3-305 and section 3-306 they wanted me to put down $ XXXX {$3500.00} they have still refused to answer my questions. It was Ally Bank account no. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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