vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXXXXXX XXXX for inconsistent and inaccurate reporting of the same account across multiple credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

Summary of XXXX XXXX XXXX is reporting the same account with the same open date ( XX/XX/XXXX ) and same last payment date ( XX/XX/XXXX ), but it is being displayed differently across credit bureaus : One credit bureau reports the account as Closed/ Pays As Agreed/ {$0.00} Balance.

Another ( Experian ) reports the same account as Charged-Off / Balance Owed.

These two reporting statuses can not both be true for the same account.

Violation of the FCRA Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy in the information they report.

Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) ) requires furnishers such as XXXX XXXX to not furnish information they know, or should know, is inaccurate or inconsistent. 

By allowing this same account to appear as both a charge-off and a closed {$0.00} account, XXXX XXXX has provided inconsistent and conflicting data that misrepresents the true status of the account and negatively impacts my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
This isnt my information. This account has reported XXXX late payments for the months of XXXX, XXXX and XX/XX/year>. I have no knowledge of this account. This account does not belong to me. Nowhere was I aware of any open account due for collections with the total of {$2700.00}. This account is showing XXXX payments in a 24 month payment history. XX/XX/year> XX/XX/year>. Its showing that I made on-time payments which I have no knowledge of this account and have not made any payments towards this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle from Toyota XXXX in XXXX of XXXX. I have been paying an amount that is more than the regular monthly payment for the entire life of the loan. This XXXX ( XXXX ) about 9 months in to the loan I noticed that the extra payments were applied to my account as early payments instead of principal payments. I did not want this, I wanted extra payment amounts to be principal only payments. On XX/XX/XXXX I spoke with a representative at Toyota and requested they change the early payments on my account to principal. No issue. Today, XX/XX/XXXX, when I look at my account I see 35 days past due on my account. Toyota had taken my payments for XXXX and XXXX and put it into my principal amount. I called Toyota financial and spoke to XXXX separate people ; all of them told me that they are unable to resolve this issue and that I need to send a letter to a XXXX XXXX  in Texas or speak with the credit agency directly. My XXXX statment from Toyota show that I am paid until XX/XX/XXXX of XXXX. I did not have any late payments until Toyota made changes to my account. Now that the changes are made they are claiming that they are unable to resolve this issue unless I send a letter by mail to their credit dispute XXXX XXXX. They made the mistake and they should be able to fix the issue without forcing me through extra steps. I made every payment on time and should not be punished. I have set up a payment to cover the " late '' payments on my account, however, I do not want this to reflect badly on my credit. I requested that extra funds to be put twoard my principal amount, not funds used to make payments on time. You will see on the transaction history document, " refund payments ''. These refund payments are supposed to be the extra funds transferred to my principal. These refunds where not present on my account until after my request for extra funds to be transferredtomy principal balance. Additionally, for clarification, I have no ability to refund payments on my end... this is completely in control of Toyota Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/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
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I had received a direct deposit into my account mind you not I'm only able to overdraft {$20.00} I deposit was for {$680.00} and at the end of the day my balance was {$2.00} and they told me that my deposit covered all my overdraft which might do not like I said can only overdraft {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

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 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter has repeatedly violated debt collection act by often harrassing me, calling more than 7 times within a 7 day period. Often XXXX, XXXX or more times within a 7 day period. 

They are still attempting to collect a debt from a chapter filing and stay. 
The stopped then decided to harass me again despite confirming they couldnt collect. I have proof of the phone calls as I had to count them in my call log. 

Today they called after stay and lied claimed they tried contacting me repeatedly when it was in fact only once previously same day and yet still contacted me after I emailed them plus live chatted to tell them to again, STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi not only closed my accounts but denied all my disputes and appeals that Ive submitted multiple documents for. FBI reports and police reports and FTC reports and etc. I dont understand why they keep saying they didnt find an error and no error occurred when I was a victim of fraud and scams and big mess etc. I never got any of my XXXX XXXX disputes back from Sofi and my XXXX money disputes and was scammed out of all this money sadly. Its been a frustrating experience with Sofi and their dispute process sucks big time. Not only they closed my account but sadly never recouped any of my lost dispute funds which is sad and frustrating I live month to month so this dispute money means a lot to me. Submitted so many documents and denied and denied and denied. Frustrating experience with Sofi and I dont recommend them to anyone after their experience Ive had with them an account closure and denied XXXX XXXX dispute and boss money disputes. I definitely wouldnt recommend anyone do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported the fraud I was a victim of due to a wire transfer {$26000.00}. I made from my Wells Fargo account to XXXX XX/XX/XXXX. From the beginning, they informed me that I would receive support from Wells Fargo Bank. I only received support from the bank 's banker because when they referred me to the wire transfer department by phone, from the beginning, they gave me confusing and contradictory information. 
About a month after the complaint, they told me that a hold harmless letter had to be written, but after several calls, they told me that the bank did issue it to XX/XX/XXXX, who was the one who requested it, and that I had to wait up to 3 months to see what they responded. But when the 3 months were up, they told me that it was not in their hands and that the case was closed. They did not give me any information about whether they actually issued the letter, and they did not even tell me where I could get it, giving completely confusing information. 
And I'm left hanging, wondering if they actually provided the help they promised me with the fraud investigation and the wire transfer recall. Apparently, they did nothing to help me as a customer of their bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
XXXXI am sending to formally request that you correct specific information appearing on my TransUnion, Experian, and Equifax credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681c-2. 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 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

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 2025-10-14 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: CA

Complaint narrative:
XXXXI am sending to formally request that you correct specific information appearing on my TransUnion, Experian, and Equifax credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681c-2. 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The account has been fully satisfied, but late payments remain reported.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: TX

Complaint narrative:
I am writing to express my serious concern regarding the ongoing delay in releasing my funds. I have invested approximately {$40000.00} through my eToro account, and despite multiple attempts to contact your team over the past several weeks, my withdrawal has not been processed. 

Each time I reach out, I receive vague explanations or excuses, but no concrete resolution or timeline. This prolonged delay is unacceptable and has caused me significant frustration and financial stress. 

Please prioritize my case and provide a clear update on the status of my withdrawal, including a specific timeframe for when my funds will be released. If there are any additional requirements on my end, kindly outline them in full so I can address them immediately. 

I look forward to your prompt response and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I submitted a written dispute to [ XXXX XXXX XXXX ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-10-14 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:
Original creditor XXXX  acct # XXXX charge off XXXX XXXX  took over past due bal.Contradictory Charge-Off : The account is marked as a charge-off/profit and loss write-off but still reports a balance of Reporting both is misleading and fails the maximum accuracy requirement ( 15 U.S.C. 1681e ( b ) ; Saunders v. BB & T, 526 F.3d 142 [ ... ] Collection agency is committing fraud n refusing to make correction

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 2025-10-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Revocation of Authorization under 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) Dear Whomever This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am writing to assert that I have not provided written consent or authorization to your agency, or any of your affiliates, to collect, maintain, furnish, or disclose my personal credit information to any third party. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when it has received the consumers written instructions or authorization. 

At no time have I provided such written consent to your organization or to any entity to allow access or sharing of my consumer report. Therefore, I am demanding the following actions pursuant to the FCRA : 1. Provide verification and documentation of any written consent or authorization bearing my signature that grants your agency permission to obtain, store, or furnish my credit information.

2. If such documentation does not exist, immediately delete and remove any and all information that has been unlawfully furnished or reported without my consent.

3. Provide written confirmation that my personal credit file has been updated accordingly and that no further unauthorized access or distribution will occur.

Please note that failure to comply may constitute a violation of federal law and could subject your agency to civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

I request a written response within 30 days of receipt of this letter, as required by the FCRA. Please send your response to the address listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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