vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and inconsistent credit reporting related to an auto loan account that has been reported as a charged-off account. 

According to my credit report, this account shows : Account status : Closed Remarks : Charged off account Last payment date : XX/XX/year> Payment status : No Info Worst payment status : No Info Ongoing late and derogatory reporting after the last recorded payment Despite the account being closed and charged off, the furnisher continues to report ongoing late payments and derogatory marks without providing accurate or complete payment status information. This reporting is inconsistent, misleading, and fails to clearly reflect the true status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information that is accurate, complete, and verifiable. Reporting an account as charged off while simultaneously showing No Info for payment status and continuing to add derogatory payment history appears to violate these requirements. 

I am requesting that the CFPB investigate this matter and require the furnisher to : 1. Verify and substantiate all reported late and derogatory payment history after the last payment date, or 2. Correct or delete any inaccurate, incomplete, or unverifiable information being reported on this account. 

I have attached documentation from my credit report showing these inconsistencies. I respectfully request prompt resolution and correction of my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Its stopping me from providing a home nd car for my kids to live a normal life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
My card XXXX and XXXX. I had unauthorized transactions on my card Current that I did not make. My wallet and phone was stolen and all I am getting is the run around when I couldn't pay my bills or no gifts for XXXX and its totally sad. There was 4 unauthorized transactions. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and this one was won and credited back to my card and the other 3 wasn't and it makes no sense when I didn't do anything. 
I'm tired fighting with them for my own money. All my bills are doubled now and its ridiculous. They wouldn't of credited the {$70.00} transactions is I was guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited 4 paper checks totaling XXXX XXXXXXXX from my employer to my Wells Fargo checking account. The checks were placed on a 7 day hold. After 7 days, I was informed that the hold was extended. Through the Finance Department of my employer, I verified that the funds had cleared the issuing account and were further verified through a positive pay system. 

I called Wells Fargo on day 9 to relay this information and request that the hold be dropped. I was informed that XXXX did not have the funds and that the issuing bank, XXXX, had taken funds from issuers account but not released them to XXXX. The CFO of my employer called XXXX and verified that XXXX had released the funds to XXXX. 

I called Wells Fargo back on XXXX, day 10 since deposit, to relay this information. They first did not admit that they had the funds. When I went to supervisor, he admitted that XXXX had the funds but were still holding due to " suspicious activity from the issuing account. '' The issuing account is a large employer payroll account that regularly issues check of this amount, including to me on several other occasions. 

I feel these funds are being illegally withheld.

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 2025-12-25 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: FL

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: 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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 by 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 reporting 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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report due to the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-12-25 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I opened a XXXX account. It was for XXXX months at a rate of XXXX XXXX 
Upon maturity, on XX/XX/year>, I noticed there was no interest given to me. 
The bank in question is TD bank. If possible, I would like you to go over the interest payments for the last XXXX cds I opened with the bank. They tried to explain it to me but it did not make any sense to me that's why I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We attended a concert at XXXX XXXX in XXXX of XXXX  and was projectile vomited on by the individual behind us. Our party had to leave half way thru the show to shower and change. Staff was aware of what happened and threw that individual out .. XXXX would not refund us. We were offered tickets but we did not want as this was a biohazard ( we are first responders in the medical field ) and an individual in our part has an XXXX XXXX XXXXXXXX, we were traumatized and just wanted the compensation of our tickets ( which is approximately {$600.00} ). Our clothes and Jackets had to be thrown out. We werent even asking for compensation for those items.which were expensive. XXXX stopped responding to us so we went to dispute the charge with our credit card. We were denied apparently because we attended, they admitted to not receiving the documentation of all communication with XXXXXXXX XXXX XXXXXXXX. This is unacceptable as we are long standing customers of Bank of America of over 20 years. 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 2025-12-25 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I am formally disputing the accuracy of the item ( s ) appearing on my credit report. This information is inaccurate, incomplete, and/or can not be verified as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to my rights under federal law, I am requesting that a thorough investigation be conducted regarding this matter. If the furnisher of this information can not provide verified, complete, and accurate documentation to substantiate the reported account ( s ), the item ( s ) must be corrected or removed from my credit report. 

I am requesting written confirmation of the results of your investigation upon completion. Enclosed are copies of any supporting documentation to assist in your review. These documents are provided for identification and verification purposes only and should not be construed as acknowledgment of liability for any alleged debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-25 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 am extremely concerned because inaccurate accounts are still appearing on my credit report and they have not been removed despite my efforts. This situation is overwhelming, and I am urgently requesting that all attached documents be examined very carefully so I can finally have peace of mind and stop worrying about this ongoing problem.

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 2025-12-25 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: KS

Complaint narrative:
Product : Debit card / Payment app Company : XXXX  ( PayPal, Inc. ) I am disputing XXXX  denial of an unauthorized debit card transaction and the resulting lock on my account for charges I did not authorize. 

In XX/XX/year>, my XXXX account was hacked, and tickets were fraudulently purchased without my authorization using my XXXX  debit card. XXXX conducted an investigation and confirmed there was unauthorized access to my account. XXXX blocked my account and provided written confirmation instructing me to dispute the charge with my bank. I have attached this written confirmation. 

I promptly disputed the transaction with XXXX. XXXX  initially issued a provisional credit, indicating the dispute had merit. However, XXXX  later reversed the credit, denied my claim, and locked my account, stating that I now owe XXXX  for the fraudulent charge. 

I did not authorize this transaction, did not receive or benefit from the tickets, and was the victim of account compromise. Despite providing merchant confirmation of fraud, XXXX  has refused to honor my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting of a charged-off account. Prior to charge-off, I provided notice and documentation of medical hardship and loss of employment and requested assistance. 

No reasonable payment plan or hardship accommodation was offered before the account was charged off and reported negatively. This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and the duty to conduct a reasonable investigation under 1681s-2 ( b ). 

Further, proceeding with charge-off and negative reporting without hardship review constitutes an unfair servicing practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ). 

I am requesting CFPB investigation and removal of any charged-off or negative information that can not be fully verified or that resulted from failure to offer hardship alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AR

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

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 2025-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a dispute for a medical debt. They ignored most of my requests and provided a document that I do not believe should have been charged to me. I am merely asking for a complete itemized statement, chain of custody and assignment documentation for this debt, XXXX documentation, documentation of medical charges and an explanation of benefits, and XXXXXXXX XXXX XXXX compliance. If they can respond satisfactorily with this information, perhaps the dispute could be settled, but it is not at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-25 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: OH

Complaint narrative:
RE : Notice of Dispute FCRA 1681s-2 ( b ) This letter serves as formal notice that I dispute the accuracy and completeness of the information you are furnishing to consumer reporting agencies.

You are required by law to conduct a reasonable investigation and provide verifiable evidence of : The original signed contract Complete payment history Proof of lawful authority to report Accurate date of first delinquency Failure to provide this documentation requires deletion of the account from all consumer reporting agencies.

This notice is sent pursuant to 15 U.S.C. 1681s-2 ( b ).

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 2025-12-25 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
XXXX XXXX XXXX XX/XX/XXXX IS REPORTING ILLEGAL LATES PER U.S CODES 1666B, 1681 AND 1637B. I NEVER RECIEVED A 21 DAY NOTICE OF LATES BEING REPORTED TO MY REPORT ........... REGIONAL FINANCE IS REPORTING INACCURATE INFORMATION REGARDING THIS ACCOUNT XXXX, XX/XX/XXXX THEY ARE REPORTING THIS ACCOUNT HAS OPEN WITH LATES AND AS A CHARGE OFF AND COLLECTION INACCURATE REPORTING PLEASE VALIDATE 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 non-monetary relief
Consumer complaint received 2025-12-25 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:
XXXX XXXX XXXX XX/XX/XXXX IS REPORTING ILLEGAL LATES PER U.S CODES 1666B, 1681 AND 1637B. I NEVER RECIEVED A 21 DAY NOTICE OF LATES BEING REPORTED TO MY REPORT ........... REGIONAL FINANCE IS REPORTING INACCURATE INFORMATION REGARDING THIS ACCOUNT XXXX, XX/XX/XXXX THEY ARE REPORTING THIS ACCOUNT HAS OPEN WITH LATES AND AS A CHARGE OFF AND COLLECTION INACCURATE REPORTING PLEASE VALIDATE THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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