vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me to understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am not associated with these accounts and demand their removal within 15 days under USC 1681g.

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 2025-12-24 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: TX

Complaint narrative:
Please go through the provided materials ; the inquiries were sent without notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Attempts by XXXX  collection company to extort me. This Bill collection has been going on every 8 months after I win disputw every time, and here Iam here 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 2025-12-24 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: TX

Complaint narrative:
Please inspect the attached materials ; the questions were submitted without notice and may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Can you give this entry a second look? It might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX XX/XX/XXXX I applied for the Barclays XXXX XXXX XXXX and the Barclays XXXX XXXX card. The applications were initially held for manual review, then the application status changed to note that both applications were declined. I called XXXX XX/XX/XXXX to request reconsideration of the decisions and was informed that the decisions were due to the number of credit card accounts opened in the last 24 months. This appears to be a referral to Barclay 's inconsistently enforced XX/XX/XXXX rule : a tendency towards denial of a credit card application if there have been 6 or more consumer credit card accounts opened in the last 24 months. I noted to the agent that some of the accounts they were including in their automated count were authorized user ( XXXX ) accounts for which I have no responsibility to pay, as I have only opened 4 consumer credit card accounts in the last 24 months. Therefore, I asked that Barclays to manually exclude the XXXX accounts and to reconsider the applications since those accounts have no reasonable connection with my ability to repay an account with Barclays. The agent declined to submit the applications for manual review, stating internal bank policy. However, Barclays does not appear to be aware that U.S. federal law requires that credit card applications be reviewed via reasonable policies and procedures to determine the applicant 's ability to repay the account ; basing the application decisions on a factor unconnected to the ability to repay, i.e., on the presence of XXXX accounts for which I have no legal responsibility for payment, is not consistent with U.S. federal 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
in the mist of closing for a real estate deal i get a unexpected drop in my credit score and after investigation i realized apple card closed y account they stated that i violated my agreement but wont tell me what i violated however i do not believe i violated my agreement i was in a active dispute with apple over a fraudulent charge on my card that i repeatedly said was my authorized or made by me. apple card by goldman sach continuously denied my claim and i would try to have them reevaluate the facts. The drop in my score completely ruined my real estate deal and caused me a lot of emotional stress with my deal nit closing and having to be held liable for a charge i didn't make even though i should be FDIC insured

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverified, information being reported on my consumer credit file. Despite my responsibility as a consumer to monitor my credit, the listed items below have caused significant harm due to violations of federal consumer protection laws. 

XXXX XXXX XXXX XXXX, MA XXXX This address does not belong to me, and I have no knowledge of any association with this location. Reporting an address that is not mine violates FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ), which require credit reporting agencies to maintain accurate personal identification information. 
Demand : Please delete this incorrect address from my credit file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I do not recognize this address and have never resided at or received mail at this location. Continuing to report inaccurate address information violates FCRA 607 ( b ), which mandates reasonable procedures to assure maximum possible accuracy. 
Demand : Remove this address from my credit report without further delay. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$25000.00} Issue : Late Payment I am disputing the accuracy of the late payment history being reported on this account. The information reported is inaccurate and/or incomplete. Under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) ( 1 ), all reported account history must be fully accurate and verifiable.

Demand : Please conduct a proper reinvestigation and correct or update any inaccurate late payment information that can not be fully verified.

I respectfully request immediate investigation, correction, or deletion of all inaccurate information and written confirmation of compliance. I reserve all rights under federal 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was renting a car through XXXX. I am a XXXX driver and every week I have to pay for the car this particular week XX/XX/XXXX I took Bank of America off XXXX and added another bank. Bank of America decided to send the money even though my bank account is set up if theres no money in it and a transaction goes through it will not be accepted. I purposely did not have money in the account because I use my other bank account to pay and switch at XXXX I was advised by XXXX to use the other account because Bank of America all their customers were having a problem with it once I noticed that Bank of America had sent them the money. I disputed this on XXXX XXXX. Bank of America returned the money, then came back and said that XXXX said I had the rental car and that the money was owed to them so they took another {$380.00} out of my account. I disputed that again letting them know hey they are correct but I paid them with another bank. They asked me for the information I gave them the information they came back and said that wasnt good enough. We need more information. I returned more information with my account with the other bank the transaction they came back XXXX  days later and said that that still wasnt enough information. I went back and gave them even more information. They came back and said nope thats not enough information. It has been XXXX months now I submitted all the paperwork they asked for and they keep telling me that its not enough when I have proven that I paid for the rental car with another bank.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I am a U.S citizen and i am retired.i live 1/2 my time in the United States and 1/2 my time in XXXX XXXX.while i was in XXXX XXXX i sent a money transfer to a friend in XXXX, but the friend never picked up the money.moneygram told me that i had too cancel the transaction and they will send me a new control number too pick up the money in XXXX, but then they said i had too pick up the money in XXXX XXXX, i told them i am in XXXX now and i will be here for the next 6 months and i wanted them too send me the new control number too pick up the money here in XXXX.they gave me the run around as i called in 10 times and spoke to 3 supervisors.they then told me that i must submitt my XXXX stamp on my passport showing that i was in XXXX and too send them a lease showing that i am a resident here .i complied and sent more then they asked for.i sent my drivers license, passport,90 day stamp that i must go too immigration every 90 days for proof as well, my visa stamp showing my arrival date which was XX/XX/XXXX XXXXi call in and told them many times i sent all documents they requested and still i don't have a new control number too pick up my money.i still get stuck in mud and get no place with this company.i have a valid visa and should be able too go too any moneygram and pick up my money as you can only do that if you have the correct ID.This process of dealing with customer service is horrible.everytime i call in i get a different answer and they keep repating that i send my documents in which i have done already.either it's incompetence or who knows.it should not take this long

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
Despite receiving my certified dispute letter on XX/XX/year>, Beyond Finance and/or its assigned collectors have failed to provide validation of the debt as required by 15 U.S.C. 1692g. They have continued to report this disputed, unvalidated debt to the credit bureaus, violating 1692e ( 8 ) and 1681s-2 ( b ). Furthermore, Beyond Finance is operating a debt settlement business in New York without the required Debt Collection Agent license from the NY Department of Financial Services and is not listed in the NMLS consumer access system, engaging in unlicensed and deceptive practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Affirms handling of my dispute related to unused event tickets purchased through XXXX. 

I filed a dispute with Affirm after XXXX failed to respond to my repeated attempts to request a refund for tickets that I did not use. I spent hours attempting to contact XXXX by phone and through other communication methods, but I never received a response or resolution from the merchant. 

Despite this, Affirm denied my dispute and ruled in favor of XXXX. I submitted evidence multiple times showing my documented attempts to contact the merchant and resolve the issue directly. Affirm stated that my evidence was not sufficient, without clearly explaining what additional documentation was required or how the merchants complete lack of response met dispute resolution standards. 

I believe this decision was unfair and inconsistent with reasonable dispute practices. The merchant did not provide customer support, did not respond to refund requests, and did not demonstrate that services were properly rendered. Affirms dispute process failed to adequately consider these facts.

As a result of this experience, I have lost confidence in Affirms dispute resolution process. I am requesting that this matter be reviewed at a higher level and that Affirm provide a clear explanation of how this decision complies with consumer protection standards. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate credit information that is being reported without proper verification. These errors are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNTS XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | Balance : {$590.00} Issue : Inaccurate Late Payment I dispute the accuracy of the reported late payment. This information has not been properly verified and is misleading. 
Law Violated : FCRA 1681e ( b ), 1681s-2 ( b ) Request : Correction or update if unverifiable. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$600.00} Issue : Inaccurate Late Payment The late payment reporting on this account is disputed and lacks proper documentation. 
Law Violated : FCRA 1681s-2 ( a ) ( 1 ), 1681s-2 ( b ) ( 1 ) ( C ) Request : Immediate correction. 

I request CFPB assistance to ensure compliance with federal law. Any information that can not be fully verified must be corrected immediately.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" NEW EVIDENCE : XXXX  & XXXX  HAVE BOTH DELETED THESE ACCOUNTS. 

This is NOT a duplicate dispute. Material new evidence has emerged proving TransUnion 's investigation ( File # XXXX ) was inaccurate. 

I previously provided TransUnion with a Police Report and Identity Theft Affidavit regarding fraudulent XXXX  XXXX and XXXX XXXX accounts. TransUnion verified them as 'Accurate. ' However, BOTH XXXX  AND XXXX  have investigated this EXACT SAME fraud packet and DELETED these accounts. 

XXXX  : Deleted XXXX  XXXX on XX/XX/year> ( Confirmation # XXXX ). 

XXXX  : Deleted ALL disputed accounts as of XX/XX/year>, resulting in a XXXX score increase and {$0.00} debt balance. 

TransUnion is now the ONLY reporting agency maintaining this fraudulent information. This inconsistency is a clear violation of FCRA Section 1681i ( Reasonable Reinvestigation ) and Section 1681e ( b ) ( Maximum Possible Accuracy ).

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase placed me into a repayment / hardship plan. I accepted the terms and made my payment under the repayment plan as required. 

Despite this, Chase reported me late in XX/XX/XXXX, even though : I was already enrolled in a Chase-approved repayment program I was paying as agreed under the modified plan I made a payment under the plan Reporting XXXX as late is misleading and inaccurate, because a consumer actively performing under a repayment arrangement should not be reported as if they are continuing to default. 

This type of reporting creates the false impression that I was still delinquent, when in reality I was complying with the agreement Chase placed me in. This is harmful to my credit standing and unfairly punishes participation in a repayment program. 

I am requesting CFPB assistance to : XXXX Require Chase to explain why they reported XXXX late when I was in a repayment plan beginning XX/XX/XXXX and paying as agreed XXXX Remove the XXXX late reporting because it occurred during the repayment plan period Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no association with these accounts ; they are required to be removed within 15 days per USC 1681g.

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