vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts on my credit report. Below is a list of accounts in dispute, organized by each bureau. I believe the information in question is inaccurate and request that these items be investigated and corrected accordingly. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverified information currently being reported by Equifax. As a consumer, I am exercising my rights under the Fair Credit Reporting Act to ensure my credit report reflects only accurate, complete, and verifiable information. 

Charged-Off Accounts in Dispute ( Equifax ) The following accounts are reported as charged off on my Equifax credit file and are disputed : XXXX XXXX Account XXXX Opened/Reported XX/XX/XXXX Balance {$9100.00} XXXX Account XXXX Opened/Reported XX/XX/XXXX Balance {$0.00} These accounts are inaccurate and/or incomplete. I am requesting Equifax conduct a proper reinvestigation and provide verification showing the accuracy of the balances, dates, and reporting status. If Equifax can not fully verify this information with the original creditor, the accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
the company 's name : XXXX XXXX /Comerica bank my case number with them is XXXX XXXX hardship No time line provided my name is XXXX XXXX XXXX XXXX XX/XX/year> this involves federally protected SSI funds exceeding XXXX XXXX XXXX has failed to provide verification resolution or disbursement which constitutes unlawful withholding benefits about a year ago someone stole my ID and identification documents I had. including my XXXX XXXX  card and I finally about 5 months ago got all of my documents including a California ID well I sent them in and they said they were not gnna accept none of my documents I called socali security office they said after its deposited they no longer deal with that issue so I called them back they said fax color copies to them idid then they said same thing that therer not gon na accept it and I asked what about my r rermaing balance I really need the money she said there's no timeline to get my money back to me and I cant close my account without id verifying but they wont accept my ID or documents I ( who's name is ( XXXX ) this has made me homeless and I really need this money to get back on my feet thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following inquiries listed on my credit reports. These inquiries were made without my authorization, and I am requesting that they be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the inquiries in question : Inquiries : XXXX  XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year>

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Ava Finance, Inc
State: FL

Complaint narrative:
deposited {$300.00} into my AVA account as savings. When I attempted to withdraw my funds, the balance disappeared and is no longer available. There is no clear explanation in the app, and I have not received a resolution from customer support. I am requesting the immediate return of my {$300.00} or a written explanation of where the funds are being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have identified several discrepancies in my Experian credit report and request that the listed accounts be investigated and corrected. The following accounts are in dispute : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$300.00} from an ATM using my Chime XXXX XXXX card. 
The ATM did not dispense any cash. 
The receipt shows Dispensed : {$0.00} and instructs me to contact the card issuer. 

I reported the issue to Chime immediately. 
It has now been over XXXX business days. 
Chime has refused to issue provisional credit, stating that the XXXX XXXX card is treated as a credit card, but they have not provided this denial in writing or cited any regulatory basis. 

I am requesting credit for the {$300.00} that was not dispensed and a review of Chimes handling of this ATM error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$78.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXXXXXX XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/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 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 2025-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Barrett Financial Group, L.L.C.
State: AZ

Complaint narrative:
I began working with XXXX XXXX of XXXX XXXX in XX/XX/year> to explore a HELOC and potentially purchase a second property in XXXX. When no qualifying loan was found, XXXX suggested switching to a HELOC-only option just in case. I clearly stated that no funds should be issued unless I chose to move forward with a home purchase. 

In XX/XX/year>, I was informed that a loan had been secured and that signing documents was required. Because I travel frequently, coordinating a notary took weeks. When the signing finally occurred, the notary informed me that the loan included paying off my car loan, paying off a credit account, and issuing me a check with the remaining fundsall actions I had never approved or requested. 

I immediately flagged these concerns. After signing, I reached out to XXXX and his assistant, who both claimed they were unaware of the loan terms. XXXX initially dismissed my concerns and attempted to persuade me that these payouts were beneficial, even though : My car loan was at 4 %, while the HELOC carries 9.5 % Paying off the car loan voided my GAP coverage, which only applies while financed through XXXX The credit account that was paid off wasnt even due until XXXX XXXX assured me the loan could be cancelled and replaced with XXXX aligned with what I originally agreed to. Days later, I was told the loan could not be cancelled and that I was fully obligated. By then, XXXX and the credit lender confirmed that payoff transactions had already been processed, closed, and were irreversible. 
Throughout this process, XXXX and his assistant provided minimal support, denied responsibility, and failed to take accountability for misrepresented loan terms. Speaking with other agents afterwards, I learned multiple consumers have reported similar issues regarding both XXXX and XXXX XXXX. 

This situation has caused significant financial harm, higher interest obligations, loss of coverage, and unnecessary stress. XXXX sharing my experience so others dont encounter the same misleading practices. Transparency, accuracy, and client protection must be non-negotiable in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe to be inaccurate and misleading. Below is a breakdown of the accounts that I am disputing across each bureau : Inquiries : XXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Please look through the supplied materials ; the inquiries came in without advance notice and could be unapproved.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Exto Inc.
State: PA

Complaint narrative:
I have a virtual card. My card was stolen and XXXX was made aware. XXXX closed out the original card and issued me a new card. I have frozen that card. I have been asking for help from XXXX for XXXX days with no response from them. There are currently close to one-hundred charges from the old account. I have been asking for help to dispute all the charges. Everyday brings more charges. This has dropped my XXXX XXXX one-hundred points and still, XXXX response. I even let them know that if I did not get help that I was mad enough that I was going to file complaint with the FTC. Still no help. I think folks trying to rebuild their credit should stay away from XXXX. They have no problem taking money out of my bank account but a huge problem with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Timeline of Events : XX/XX/XXXX : I initiated a Bill Pay transaction of {$460.00} to XXXX XXXX XXXX XXXX via PNC Bank. PNC debited these funds from my account immediately. 

XX/XX/XXXX - XXXX : XXXX XXXX confirms they never received this specific XXXX payment. 

Current Status : Because the XXXX payment is missing, First Harvest has applied my subsequent payments ( XXXX and XXXX ) to the previous month 's balance. This has created a false " rolling delinquency '' where every month appears late, incurring fees and damaging my standing with the lender. 

XXXX of Events : XX/XX/XXXX : I initiated a Bill Pay transaction of {$460.00} to XXXX XXXX XXXX XXXX via PNC Bank. PNC debited these funds from my account immediately. 

XX/XX/XXXX - XXXX : XXXX XXXX confirms they never received this specific XXXX payment. 

Current Status : Because the XXXX payment is missing, XXXX XXXX has applied my subsequent payments ( XXXX and XXXX ) to the previous month 's balance. This has created a false " rolling delinquency '' where every month appears late, incurring fees and damaging my standing with the lender. 

The Issue : PNC uses a third-party vendor, " XXXX '' for bill pay. PNC insists the payment " cleared and went through fine, '' but refuses to provide XXXX XXXX  the Cleared Check Images, Trace Numbers, or ACH Sequence Numbers to prove it. Without this specific data for ALL recent payments, the payee ( XXXX XXXX ) can not audit the account to locate the missing funds. PNC claims " system limitations '' prevent them from accessing their own vendor 's records. 

Inconsistent Handling : On XX/XX/XXXX, I spoke with PNC XXXX XXXX ( ID : XXXX ). The representative insisted that the XXXX check had cleared. However, despite claiming the system worked correctly, XXXX XXXX third party bill pay ventor ) still issued a refund for the XXXX late fee. This creates a contradiction : PNC is paying fees associated with the error but refusing to provide the data ( XXXX IDs ) required to actually fix the missing payment. The representative then terminated the call when I attempted to document these details.

Company response to consumer: Closed with explanation