vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am filing a complaint against Midland Credit Management for inaccurate reporting and failure to validate a disputed debt. They reported a collection account ( Account No. XXXX ) with an incorrect past due status and an inaccurate opened date of XX/XX/year>. Collection accounts do not have past-due amounts, and the date appears re-aged. I disputed the account, but they continued reporting without validation. I am requesting CFPB investigation and deletion of the account if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Gordon & Wong Law Group, P.C.
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX XXXX  said that my account is restricted and can not tran funds that I already had on my XXXX XXXX XXXX. I called XXXX to let them know the they then sent me over to XXXX XXXX XXXX to escalate my issue further and that is whe they told me to give them 48 hours to look over my. After one week of not hearing bac from XXXX XXXX, I took the initiative to give the a call and then they explained to me tha was forever banned from XXXX XXXX with no explanation or reason. I have been a loy customer with XXXX XXXX  for the last 4 years and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be further looked into further and given an explanation for my account being restricted and to be legally further looked into.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rodenburg LLP
State: MT

Complaint narrative:
i just moved back into my families address and I'm seeing that i owe a bank for a loan i don't even have an account with i have 2 banks and neither of them have this name there's not even a branch in the state of Montana for me to know about this name before now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX provided me false information regarding their credit reporting rules. They indicated that they did not report late payments until accounts are 60 days late. The call was recorded and they have record of this on my file. Ive attempted to fix this directly with them 3 times with no luck or update. I want this fixed and updated. They tanked my credit XXXX points over misinformation provided by their own reps. This is abuse of power and a violation of the FCRA and consumer protection laws. They are aware of the presence of this call and confirmed that this was in fact said to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

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 explanation
Consumer complaint received 2025-12-04 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: U.S. BANCORP
State: CA

Complaint narrative:
I am formally disputing the reporting of my US Bank XXXX Flexible Spending credit card account ending in XXXX, which was charged off with a balance of {$11000.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the COVID-19 period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that US Bank XXXX provide complete documentation verifying the following : That I did not request a COVID-19 hardship or payment accommodation. 

That US Bank XXXX complied with all CARES Act reporting requirements from XX/XX/XXXX onward. 

That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. 

That the charge-off date and balance are correct and fully supported by US Bank XXXX records XXXX 

If US Bank XXXX can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. 

Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the COVID-19 pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. 

Please treat this as a formal dispute and provide your response in writing along with all documentation supporting the reporting of this account.

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 2025-12-04 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I made purchases to XXXX XXXX XXXX  XXXXXXXX XXXX  using cash app from XX/XX/year> till XX/XX/XXXX and when I went to withdraw sweepstakes they closed my account and wouldnt verify it, I tried to dispute cash app multiple times no help my bank had no problem investigating and charged back payments and refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have diaputed this in XXXX of this year. 
Company Approved removal and did not have it reflected on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XXXX suspended my account even after providing identity verification. I have {$100.00} remaining in my account that I need returned. XXXX  refuses to restore access or allow withdrawal. 
Ive tried calling them and emailing them and nothing, the information help on their page is Useless and doesnt apply to my situation, it says contact them in the app, but I cant do that when Im LITERALLY LOGGED OUT of my account and cant get back in no matter how many time I change my password o log in via phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a letter from the collection agency stating that I owed a debt to them. I sent a letter to the collection agency on XX/XX/year>, asking them for proof that I owe the collection agency the debt. I received a letter from the collection agency dated XX/XX/year>, stating that they have verified the debt. The collection company sent me a copy of a credit card statement. The credit card statement is not the original signed contract with said collection agency stating that I am obligated to pay the collection agency instead of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
On or around XX/XX/year>, the company issued multiple insurance checks totaling approx {$1500.00} on my loan account. These checks were added to my loan balance, even though the funds should have been deducted from my payoff amount, not added to the principal. 

My original payoff balance was approximately {$5600.00}. Instead of reducing that amount by the {$1500.00} insurance refund, the company increased my balance to approximately {$7200.00}, which is incorrect. 

I informed the company that I did not want or authorize the insurance checks, and I requested that the funds be applied correctly. The company stated that even if I declined the checks, they would still mail them to me and still add the amount to the loan, which I believe is improper. 

I attempted to resolve this with the company directly but the issue remains unresolved. I am requesting a correction to the payoff balance and proper application of the {$1500.00} insurance refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
The original creditor, Toyota Motor Credit Corporation ( TMCC ), never notified meby mail, email, phone, or through my online accountof any outstanding balance. My online TMCC account showed that there was no balance on the loan and even instructed me to pick up the title. At no point did TMCC inform me that I owed anything further. 

I have GAP insurance with them and Im still confused to why I owe something they are responsible to cover or supposed to actually refund me since I paid for something that was supposed to cover the GAP. My car was under total loss with several transfers of total loss reps and customer services and the lack of getting me a manager. TMCC representatives and the overall company is horrible, misleading and not a XXXX. I was told over the phone that I have the choice that I do not have to pay monthly payments and that it is NOT required although I have been paying them because I was nervous of getting late fees which there is no late fees which this should not affect my GAP. There needs to be an explanation of the lack of communication, descriptive information and TMCC should not be in business. They have had complaints on XXXX XXXX, XXXX and CFPB of a lawsuit in XXXX  for misleading customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from a licensed dealer. Shortly after purchase, the vehicle began having serious fuel system issues including XXXX codes, fuel pump problems, broken wiring, and repeated stalling. I returned the vehicle to the dealership multiple times and also took it to XXXX and independent mechanics for repairs. 

I have spent over {$3000.00} on fuel system, steering, wiring, and safety repairs, and the vehicle is still not drivable. The dealership refused to take the vehicle back or repair it properly. 

XXXX XXXX continued reporting this loan as open and past due even though the vehicle was defective, unsafe, and I attempted to return it. They also reported the account as open and delinquent while disputes were active, which is a violation of the FCRA ( they must pause negative reporting during an active dispute ). The balances, dates, and status they are reporting are inaccurate. 

I am requesting an investigation into XXXX XXXX reporting, their handling of disputes, and the accuracy of the data they are furnishing.

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 2025-12-04 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: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Attached to this complaint is identification documentation for verification of my identity for Experian and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint and request an investigation regarding inaccurate information that is currently appearing on my credit report. These errors are negatively affecting my credit score and hindering my ability to build and maintain healthy credit.

I have identified the following items that I believe are incorrect or do not belong on my report : XXXX XXXX XXXX XXXX opened XXXX XXXX Portfolio recovery opened XX/XX/year> These inaccurate entries have caused significant harm by lowering my credit score, interfering with my ability to qualify for credit, and preventing me from making financial progress. I have already reached out to the credit bureaus and/or the furnisher ( s ) of the information, but the issue has not been resolved.

I respectfully request that the CFPB review this matter, ensure the credit bureaus conduct a proper investigation, and require that all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ).

Enclosed are copies of any supporting documents I have, including credit reports, dispute letters, responses, and identification. Please let me know if any additional information is needed.

Thank you for your time and assistance. I appreciate your support in helping ensure the accuracy and fairness of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am disputing inaccurate and inconsistent reporting on my XXXX  credit report related to the Credit Acceptance auto loan. XXXX  is reporting payment dates, balances, and status updates that do not match XXXX  or XXXX. These inconsistencies prove that XXXX  has not properly investigated my disputes as required under the FCRA. 

I previously disputed this account and requested verification of the information being reported. XXXX  did not provide proper verification and continued reporting inaccurate data. My reports show different last payment dates, different balances, and updates that do not match the data provided by the creditor. 

The account is being reported as past due with inconsistent dates and unclear updates. The information XXXX  is reporting is not accurate, complete, or verifiable. 

I also included my evidence packet that shows the timeline of issues with Credit Acceptance, repairs, payments, and how this account has been reported incorrectly. XXXX  has failed to conduct a reasonable reinvestigation and continues to publish incorrect information on my report. 

I am requesting that XXXX  remove the Credit Acceptance account from my XXXX  report due to inaccurate reporting and failure to properly investigate my disputes.

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 2025-12-04 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:
This account is not mine and was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am disputing a checking account reported by JPMorgan Chase that appears on my credit report. This account is fraudulent. I never opened, authorized, or had any knowledge of this account. I did not give anyone permission to open an account in my name, and I have no relationship with this account whatsoever. 

The account was later closed, but it should not be connected to my identity at all.

Company response to consumer: Closed with explanation