vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: NC

Complaint narrative:
I am submitting this statement in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require credit reporting agencies and data furnishers to ensure maximum possible accuracy of all reported information and to promptly reinvestigate any disputed items. Upon review of my credit report, I discovered several XXXX  and XXXX accounts reported with late payments that are inaccurate, unverified, or inconsistent with my actual payment history.

The accounts in question include : XXXX  XXXXXXXX XXXX XXXX Balance : {$52000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5700.00} Reported 6090 days late between XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} Reported 90150 days late between XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Reported 90150 days late between XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} Reported 30120 days late from XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Reported 30 days late on XX/XX/year> These accounts are being reported as delinquent despite either having been paid, consolidated, or inaccurately updated during servicing transitions. Such misreporting creates a false impression of chronic delinquency and constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to correct and update inaccurate informatio

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 2025-10-24 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: MI

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Tuesday, XX/XX/year> According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
In XX/XX/year>, I completed a settlement payment to close my credit account in full. The account balance was reduced to {$0.00} and confirmed closed by the company. Under the settlement agreement, the account was to be deleted from my credit report once the payment was received. 

However, the company continues to report the account as charge-off, XXXX days late, and settled for less than the full balance. This information is inaccurate and misleading because the account has been paid and closed. 

Since XX/XX/year>, I have contacted the company several times to request documentation showing proof of any late payments, charge-off authorization, or verification of the reported information. To date, no such documentation has been provided, and the account remains listed as derogatory on my credit reports. 

This continued reporting of a paid and closed account appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the XXXX  Consumer Credit Reporting Act ( C.R.S. 5-18-109 ), which require that all information furnished to credit bureaus be accurate, verifiable, and fair.

I am requesting that the company provide full verification of any alleged delinquency or, if it can not, that the account be permanently deleted or corrected to show Paid in Full / Closed Positive Standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is really disappointing and stressful to see that the inaccurate late payments are still appearing on my credit reports as of this morning. Refreshing the browser did not fix the issue, and I am tired of this situation. I am urgently asking that the documents I provided be thoroughly checked so I can finally put this matter behind 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX est, I deposited {$1600.00} into an ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX operated by Citibank . The ATM malfunctioned during the transaction- it kept the cash and did not provide a receipt or credit the amount to my account. 

I contacted the bank immediately after multiple phone calls with the automated system to report the issue. After an hour and finally getting a live agent to help me I was initially told that a temporary credit would be issued within XXXX business days while the banks conducted an investigation that could take up to XXXX  days. I later followed up and was told that the credit would be expedited within XXXX hours. 

However, after XXXX hours passed I contacted the bank again and was informed that the timeline was reverted back to XXXX business days, contradicting the prior update. 

Additionally, the ATM location does not have a direct phone number or on-site representative, which makes it impossible to speak to anyone in person about the issue. All communication must be done through the bank 's XXXX customer service number, resulting in inconsistent and unclear information each time that I call. 

This delay and inconsistent handling of my case has caused financial hardship and concern about the security of my deposited funds. I am requesting that the bank promptly credits my account for the {$1600.00} deposit and improves its communication and response process for ATM related errors.

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 monetary relief
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
Reinsertion after prior deletion ; false verification ; escrow harm. 
Equifax deleted a fraudulent XXXX XXXX account XXXX XXXX ) on XX/XX/year> after receiving my FTC Identity Theft Report and Police Report on XX/XX/year>. On XX/XX/year>, Equifax re-inserted the same deleted account without the required 5-day written notice, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). 
I sent a Reinsertion Violation Letter on XX/XX/year>. On XX/XX/year>, Equifax claimed the account was verified and belongs to me, despite XXXXXXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) confirming the account was not opened by me and directing all CRAs to delete it. Equifax is now the only bureau still reporting the item. 
I have attached all documents related to this matter. ( Please see all attachments ).

Violations asserted : FCRA 605B ( c ) ( 2 ) failure to block identity-theft information.

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) reinsertion without 5-day notice.

FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate.

Impact : I am in mortgage escrow and this non-compliance is causing immediate financial harm.

This is a formal escalation to CFPB Enforcement due to repeated violations of FCRA 605B and 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-24 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>. I made a purchase at XXXX. My ordered was Canceled. Chime had already took my money and refuse to give it back. I have opened XXXX disputes and nothing. I sent in receipts showing my order was canceled, but they still denied me my {$42.00}. The items were out of stock. Remind you, Chime takes your money as soon as you place an order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened Citi XXXX XXXX credit card on XXXX XX/XX/XXXX and got approved. They blocked my card on XX/XX/XXXX and send me a letter on XXXX and request me to return the form 4506-C to verify the income. I kept waiting for their form and sent it back to them. After 2 weeks, I called Citi and they said my form didn't fill out correctly. So, they sent another letter to me on XX/XX/XXXX to extend the date to XX/XX/XXXX. If they don't receive the form, they will close the credit card. I sent the 2nd form to them again to make it right, but somehow it ended up with another error that the customer service representative didn't tell me when I called them. So I had to send them a 3rd form on XX/XX/XXXX in hope to provide the correct form for them to verify my information. Today XX/XX/XXXX when I called they said my account was closed due to 3 attempts. I had to talk to 3 different people in order to find out what is wrong with my form. The first 2 representatives refused to tell what happened with it. I was very surprised I missed 1 checked box above the signature. Meanwhile, the first 2 forms I did check that box. Personally, I think Citi should accept for the customer to get the error fix in order for them to verify my information. I was willing to provide the information as how many times as they request. Citi didn't mention in the letter that after XXXX attempts to correct the form, they will close my account. They should give the customers the right to fix thing right.This is really a mess. They should give me another chance to resubmit the form since the due date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
I sent in two checks to pay off my vehicle and I was supposed to receive the overage amount in a refund check. I have yet to receive anything from them and they stated that one of the checks bounced. On my end it shows that both of the checks have cleared and have been cashed when I asked Toyota Financial Services for proof of the check bouncing they do not cooperate whatsoever so that is the issue I am coming across. They stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Account Dispute Acct # XXXX Dear LVNV Funding LLC, I am contacting you regarding a debt that has appeared on my credit report, which you have listed as being owed to LVNV Funding LLC. I am a XXXX  resident and am currently reviewing my credit reports to correct any inaccuracies. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX  Civil Code 1788 et seq. ), I am formally requesting validation of this alleged debt. 

Please provide the following documentation to verify the validity and ownership of this debt : XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemized accounting of all charges, interest, fees, and payments ; XXXX. A copy of the original signed agreement or contract that shows I am legally obligated to pay this debt ; XXXX. Documentation proving that LVNV Funding LLC is legally authorized to collect this debt or that it has been legally assigned or purchased ; XXXX. The date of the last payment made on the account ; and XXXX. Confirmation that the alleged debt is within the statute of limitations under California law. 


Until these documents are provided, I am disputing the validity of this debt in its entirety. You are not permitted to continue collection efforts or report unverifiable or inaccurate information to any credit reporting agency. If the debt can not be validated, I request that LVNV Funding LLC immediately cease all collection activity and remove this account from my credit reports with Experian, Equifax, and TransUnion, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please communicate with me in writing only at the address listed above. 

Thank you for your prompt attention to this matter. I expect your written response within XXXX  days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Around XXXX, XX/XX/year>, I received a notice that my XXXX  account is locked due to security reason. I tried to recover my account on XXXX, but they didn't give me any option to recover my account and only tell me to wait for the review. I contacted Goldman sachs bank at XXXX, but the representative couldn't provide me any way for me to access my account. I was transferred to 3 different people, every time different agent picked up my call, I have to explain everything over and over again and I also have to wait around half an hour for them to pick up my call. Every representative were failed to provide information why my XXXX  was locked. I only request a simple thing which is the access to my bank account to simply use the card, making payments, pulling out the statement which they didn't allow me to get access to any of them. I'm afraid that I still have a balance of {$500.00} on the account which might hurt my credit when I can't monitor the account activities by myself because they blocked the access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
In XX/XX/year>, my automobile loan account with GM Financial was settled and fully paid under a written agreement that stated the account would be deleted from my credit report once the settlement was completed. 
After paying the agreed settlement over the phone it was paid to delete amount in full, the company closed the account on XX/XX/year>, showing a {$0.00} balance. However, GM Financial continues to report the account as settled for less than the full balance / derogatory to the credit bureaus, which violates the terms of our agreement and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
I contacted GM Financial requesting deletion or verification of the late-payment and charge-off information, but they have not provided any proof of delinquency or corrected the reporting. 
I am requesting that the CFPB assist in having the inaccurate tradeline deleted from all credit reports and ensure that GM Financial complies with federal and XXXX  Consumer Credit Reporting Act ( C.R.S. 5-18-109 ) requirements for accuracy and fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that 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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting a collection charge-off that is not accurate. I have not received proof of default or original account details validating this debt. I am disputing the accuracy and completeness of this information under FCRA 611 and 623.

Company response to consumer: Closed with explanation