vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 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: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Identity theft unauthorized accounts in my name and excessive bank fees credit reports is not me etc

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 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a CFPB complaint on XXXX in regards to an extended hold being placed on my savings account. No legitimate reason has been provided at all and I have consistently been treated like a perpetrator and criminal by Bank of America preferred customer service dept. today I called to find out why the hold was still on my savings account AFTER I spoke with the BOA XXXX department and they seemingly corrected the issue. I spoke to the rep and my hold was revised releasing partial funds into my account and the remaining balance to be received today XXXX by XXXX XXXX XXXX. When the hold was updated to release my funds I did NOT receive a new deposit hold notice. I contacted the regulatory rep back and was advised that the previous hold receipt is still valid. The remaining balance funds will be released into My account no later than XXXX by XXXX. It is currently XXXX XXXX  and still no funds available. I called cust service and spoke to an XXXX rep from the fl contact center who said my funds will be available XXXX instead and it was nothing he was going to do about it. No new deposit notice no answer to why AGAIN my hold was changed. I called my rep in the regulatory office and left a message. At this time I have not heard from her so Im filing another complaint. I have been treated like a criminal and I am disgusted to be a customer. Once the dust settles I have no other choice but to move all my money and deposits to my credit union who doesnt discriminate against customers.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: CT

Complaint narrative:
I leased a Volkswagen from a car dealership in XXXX. I notified them of my intent to purchase the car ( lease buyout ). The dealership would not cooperate with me on setting an appointment to complete the purchase agreements despite me having completed a safety check in XX/XX/XXXX, and having taken out a loan from a credit union to provide them a lump sum payment for the vehicle. 

The XXXX I was dealing with would not set an appointment with me to finalize the deal. I placed several calls to him which were either ignored or not returned. On the few occasions he did answer the phone, he told me he needed the updated mileage for his paperwork. At some point between XX/XX/XXXX and XX/XX/XXXX, the dealership replaced the finance XXXX I had been dealing with. I was able to complete the buyout on XX/XX/XXXX, about XXXX  months after the lease was set to expire. It had been so long we had to schedule another safety check prior to the sale because the one in XXXX was now considered invalid. 

After I purchased the vehicle, I was notified by Volkswagen Credit that they were looking for ~ {$6500.00} dollars from me for over mileage fees as well as excessive wear and tear. Volkswagen Credit was under the impression that I had returned the leased vehicle, and this was not the case. I attempted to resolve this several times with both the dealership and Volkswagen credit, and I was able to get them on a conference call with each other and myself. The dealership 's position was that they would not change their documentations to correct the lease return to a lease buyout, and Volkswagen Credit 's position was that if the dealership would not rectify their paperwork, then I owe them the money. Volkswagen Credit has repeatedly sent this matter to debt collection. This has been going on for nearly XXXX  years, and my XXXX XXXX has been negatively impacted by approximately XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: WA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: VA

Complaint narrative:
I am filing this formal complaint against Volkswagen Credit for reporting inaccurate and unverifiable information to the three major credit bureaus ( XXXX XXXX XXXX XXXX ) and failing to respond adequately to my direct written dispute regarding these inaccuracies. The information being furnished is inconsistent, misleading, and causing material harm to my credit profile. 
Summary of the Issue : I submitted formal written disputes to XXXX XXXX XXXX XXXX concerning the Volkswagen Credit auto loan account, as well as a direct dispute to Volkswagen Credit itself. My disputes highlighted clear and documented discrepancies among the three bureaus regarding : Payment history : Each bureau is reporting different months as XXXX or XXXX late, and some are showing no late at all for the same time period.

Reported late payments : At least one reported late payment is contradicted by documentation showing the payment was collected within the same billing cycle, indicating that it should not have been reported as delinquent. 
Balance and status inconsistencies : The balance, past due amount, and payment history fields are not uniform across bureaus, which violates FCRA standards for complete and accurate reporting.

Account status discrepancies : In one bureau the account may appear as open/current, while in another it shows derogatory or with different last reported dates and statuses. 

Violation of FCRA and XXXX XXXX : Volkswagen Credit is in potential violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to report accurate and complete information and to promptly correct or delete any information that is found to be inaccurate or can not be verified. The account also appears to be out of alignment with XXXX XXXX data reporting standards, which is the credit industry standard for reporting information to the bureaus.

Additionally, Volkswagen Credit has failed to provide a meaningful response to my direct dispute, which included highlighted documentation of these inconsistencies. This is a violation of their duty to investigate under FCRA 623 ( a ) ( 8 ) and respond within 30 days with proper validation of the data they are furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit report is reflecting a fraudulent and unauthorized account. I have no involvement with this account, and it is clearly the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section S. It also states a consumer reporting agency can not furnish and account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I am writing to formally dispute the reporting of late payments on the closed account XXXX XXXX OPEN DATE XX/XX/year>2024. This account is marked as closed and carries a {$0.00} balance ; however, it continues to show late payment activity post-closure, which appears to violate XXXX XXXX reporting guidelines. 

Per XXXX XXXX specifications established by the XXXX : - A closed account should not reflect late payments after the Date Closed, especially when the balance is {$0.00} and the account is paid in full or charged off. 
- The Account Status, Payment Rating, Date Closed, Date of Last Activity, and Current Balance fields must all align.

- Any misalignment or inconsistent reporting may constitute inaccurate or incomplete information under FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I am writing to formally dispute the reporting of late payments on the closed account XXXX XXXX OPEN DATE XX/XX/year>2024. This account is marked as closed and carries a {$0.00} balance ; however, it continues to show late payment activity post-closure, which appears to violate XXXX XXXX reporting guidelines. 

Per XXXX XXXX specifications established by the XXXX : - A closed account should not reflect late payments after the Date Closed, especially when the balance is {$0.00} and the account is paid in full or charged off. 
- The Account Status, Payment Rating, Date Closed, Date of Last Activity, and Current Balance fields must all align. 
- Any misalignment or inconsistent reporting may constitute inaccurate or incomplete information under FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-08-06 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:
These entries came out of nowhere and might not be valid. Inspect the accompanying documents 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My name is XXXX XXXX. I purchased an item on XXXX. I sent an offer to the seller and had to wait for the seller to accept or decline the offer. They accepted the offer. My PayPal preferred payment method in was not used instead they used a card that I did not authorize PayPal to use for this transaction. This has caused me financial distress because the funds on the card they used without my permission will get an insufficient funds fee because the money on the account was already allocated to another expense. I tried to contact the seller and they refused to cancel the order and take another credit card payment from PayPal. 

I never authorized PayPal to automatically pick any card in my account to take a payment from. They said they could not cancel the transaction that I did not authorize. I never signed up for automatic payments in PayPal if I won an XXXX item. This is very scary because PayPal can use any card in you digital wallet instead of how it used to be. If you won an item on XXXX. They sent you an email and you went into PayPal to complete the payment and chose the method you want to pay with. Please let the public know they are at risk when they have a PayPal account for their cards to be used without their consent. I never signed up for automatic payments with XXXX. I have always went it and paid for an item with the method I selected. This is illegal and unethical. I hope this doesn't happen to anyone else. 

PayPal XXXX ID : XXXX for {$110.00} XXXX order # : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( XXXX  ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( ProCollect, Inc. ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : ProCollect reported an alleged debt to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXX Townhomes per the balance ledger that I received from ProCollect This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status.

The lease agreement provided by ProCollect lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis.

Despite multiple disputes, ProCollect has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ).

ProCollect is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of ProCollects willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting.

they do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have disputed a no good was received dispute for being scammed. 
I thought was purchasing plane tickets, but I never received them. 
I contacted my bank for assistance and they keep denying the claim saying the merchant is not responding. 
Then told me the merchant is sending supportive documents. 
I have sent them a email of them canceling the flight and also fake flight and booking information. 
They have refused to give me provisional credit and told me to wait up to 90 days to see if I get my money back. 
I am disgusted with this place Chime Bank and XXXX who scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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