vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint against TD Auto Finance for continued inaccurate and inconsistent credit reporting on my auto loan account, even after it was charged off. 

The company appears to have recently modified and re-aged the account. My previous report ( as of XX/XX/year> ) showed : Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/year>. 
Balance updated : XX/XX/year>. 

However, the same account was later changed to show : Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/year>. 
Balance updated : XX/XX/year>. 

There have been no payments or new activity since the charge-off in XX/XX/year>, so these updates are improper. Once an account is charged off, the balance and as of dates should remain fixed unless the consumer makes a payment. TD Auto Finance continues to update the balance monthly as if the account were still active, which is inaccurate and misleading.

This practice may violate the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ), which require furnishers to report complete and accurate information and prohibit re-aging of delinquent accounts. It also conflicts with Metro 2 reporting standards, which state that a charged-off account should reflect a static charge-off date and not report ongoing past due balances. 

I am requesting that the CFPB investigate TD Auto Finances credit reporting practices for this account and ensure the furnisher provides : The verified Date of First Delinquency ( DOFD ) The correct charge-off date An accurate, non-re-aged balance that reflects the final charge-off amount only TD Auto Finances continued updates after charge-off cause the account to appear more recent and more negative than it truly is, unfairly damaging my credit standing. I ask that these inaccurate updates be corrected or removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
lost my husband in XX/XX/XXXX he was the main financial support he was getting XXXX unfortunately even if your spousendies on the last day of the month they want the full payment returned at which the bank USAa caused my account to be in the negative I contacted who was paying the XXXX to ask for a hardship for them to not pursue the money in marched I f XXXX the bank usaa closed the account mind you I had tried to make some form of payment but the closed the account now I had a savings app I used to XXXX funds I am on XXXX and since I lost my husband I have not been able to save but I did recall the saving app that was connected XXXX the account they closed I contacted opportune the app to get the funds sent to me or attach to another account they tested the closed account several times by depositing small amounts and withdrawing them every time the bank send me a statement with it on it USAA closed my account I do not have acess to itbut any account I have attached to it they open the account to process I just need this account closed as they said my husband was fighting to get his information corrected with the military we did not have insurance when he passed he was sitting in his truck I did notmget any of his belongings back but I would like for this account to be closed I have never gotten statements from closed accounts before.this way I can handle my affairs thank 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Complaint Summary : I am filing this complaint against Cavalry Portfolio Services , LLC and the XXXX major credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ) for the illegal re-aging and continued reporting of a time-barred debt in violation of federal and XXXX XXXX XXXX XXXX XXXX 
Details of the Issue : The original account was a XXXX XXXX XXXX XXXX XXXX XXXX . credit card ( Acct # XXXX ). 
The account was opened XX/XX/XXXX and became delinquent in XX/XX/XXXX. 
The debt was later sold or transferred to Cavalry Portfolio Services , LLC. 
Cavalry is currently reporting the debt as opened on or around XX/XX/XXXX, which constitutes illegal re-aging under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) ). 
This false reporting restarts the XXXX reporting period, allowing a debt that should have fallen off my credit report in XXXX to appear again. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-i, the statute of limitations for consumer credit transactions ( such as credit cards ) is XXXX ( XXXX ) years. 
This debt became time-barred in XXXX and can not be legally revived, re-reported, or collected through litigation. 
Despite multiple disputes and written requests for verification : Cavalry XXXX XXXX continues to report this debt inaccurately. 
The credit bureaus ( XXXX XXXX XXXX ) have failed to correct or remove the re-aged account. 
These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e & 1692f ) by misrepresenting the legal status and age of the debt. 


Desired Resolution : I am requesting that the CFPB ensure : Cavalry Portfolio Services , LLC immediately ceases reporting or collecting on this time-barred debt. 
XXXX XXXX XXXX XXXX permanently delete the Cavalry Portfolio Services account from my credit reports. 
Confirmation that all involved parties are in full compliance with the FCRA, FDCPA, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX has reported a XXXX {$6500.00} debt with fabricated payment dates and charge-off status across all XXXX major credit bureaus, despite multiple disputes and bankruptcy notations. The violations persist and have not been corrected. Since XX/XX/year>, XXXX XXXX has reported a XXXX {$6500.00} debt as active, with fabricated payment dates and charge-off status, across all XXXX credit bureaus. Disputes and bankruptcy notations have not stopped the persistent false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex called me again about one of my credit cards from a company that filed for bankruptcy. I informed I was under a payment plan that Amex stopped. I am willing to make small payments, but the rep refused to send the information by mail or even by email, and said, '' we do not have to do anything else for you ''. 

Please, escalate and have no more incapable reps to do these calls. Send an email or mail with all the info so I can start making payments, as a personal guarantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-10-08 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-08 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal put a hold on my funds for reasons they can not explain. 
They are now making me jump through hoops for personal information and proof of things I can not provide. There customer service is completely useless. I ask for XXXX to help with problem and they tell me they don't have any. There is no person I can contact and I feel violated and this can not be legal. This is a business account and I need funds to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX time frame, My parents house XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX with a mortgage with Wells Fargo Bank , fell victim to their computer glitch and subsequent denials for loan modifications which lead to our house being scheduled for foreclosure, with a termination date to evict from the house. Days before the foreclosure and 10 to 12 denials for re-modification my father was forced to sell at a massive discount to pay off the loan amount resulting in us getting XXXX equity out of the house sale. 

The process lasting 3 years took our family home from us, it created massive trauma and emotional damage to the point I still don't trust to buy a home again. My family never recovered from this process. My father and mother who speak XXXX as a second language, were never given proper documentation in their native language nor options from the bank which has been proven by class action law suit to be liable. 

We were never notified by the anyone about the class action law suit, which is why we weren't listed on it. We have received several XXXX dollar checks which have never been cashed from Wells Fargo. 

It is now, only now after decades that I have the internal strength to reface this horrible time of our lives. They took my home from me because of a glitch, and they refused to figure out the glitch before we had to lose our home. It nearly created a divorce in our family and my brother and I have lived with this trauma for nearly 15 years. They need to be accountable for all families affected by their criminal mistake. I am reaching out to your organization as a first step as we search for legal representation to finally have this matter laid to rest. 

sue

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the removal of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX- Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This company ( Jefferson Capital ) alleged that I opened an account on XX/XX/year>. They alleged that I have a balance of {$620.00}. This is fraudulent information. I never opened an account with this company on XX/XX/year>. I dont even have an inquiry from this company on my credit report. This account needs to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I sent crypto to my XXXX  account and then sold it. XXXX  is refusing to let me access my funds saying it is a security hold. I have already verified my account and provided all relevant forms of identification. There is no valid reason for them not to allow me access to my funds. Its the only XXXX  I have and I was stuck in the side of the road as I ran out of gas because of this. Its crpto-they already have the funds from my sale. What they are doing should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I called chase bank to put a stop payment request in XXXX XXXX charging my account for {$210.00} the bank charged me {$30.00} for stop payment then on XX/XX/XXXX the {$210.00} was taken out of my checking account then refunded back to me on XXXX. For {$30.00} fee then charged again on XXXX for {$30.00} stop payment fee then on XX/XX/XXXX {$210.00} charge from credit ninja went through again as a pos debit so I called chase bank card again on XXXX to file a claim against this to be put back on my account they told me give it a couple of hours it wasnt added back so called cause bank back again told me to give it time for 72 hours then I called back again today on XXXX XXXX they argued with me they I had to have given the merchant my debit card Info I told them I didnt I spoke to supervisor filed a complaint she sent me to claims dept had to tell this to bank over and over instead of them reading notes he told me to calm the merchant I til shin this was the banks fault and I was going to sue them the merchant got my debit card information IBV system I requested the bank to return my {$30.00} stop payment fee several days ago too and they wont waive this {$30.00} fee either Im fixing to speak to an attorney about them breaching a contract with the bank unless you can help resolve this issue I asked for fraud claim dispute on XXXX XXXX still no credit back to my bank account with Chase Bank thanks XXXX XXXX XXXX this has caused me hardship and mental duress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasible. The CFPB 'S findings indicate chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation