vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I started a new job and shortly afterward financed a vehicle through GM Financial. I made my first payment in XXXX, which covered the XXXX due date, but within days of that payment, I was unexpectedly laid off. I would have never entered into this loan had I known that a layoff was coming. 

I immediately contacted GM Financial and explained my situation. I provided documentation of my layoff and asked for supportfirst by requesting a due date change to buy a little time. That was denied because the account was already marked past due. I then requested a XXXX extension or deferment, again with proof of hardship and a documented plan to resume payments, as I have a confirmed new job starting XX/XX/year>. That is already noted in their system. 

Despite acknowledging my hardship and receiving documentation, GM Financial refused every form of help, citing that my loan was too new. I was told that if I had made just XXXX more payment, they might have been able to assist. This is a blatant contradiction. If internal policy required XXXX payments, then XXXX would still be insufficient. Their own statements reveal that exceptions are made selectively, based on internal discretionnot written policy. 

Worse, they are refusing to even set up a post-dated payment, despite me informing them that certified funds will be available once I receive my first check. This clearly shows that GM Financial is not interested in working with customers to avoid repossessioneven when the customer is actively communicating, providing documentation, and offering partial resolution. 

They have not provided any written policy showing that my request must be denied, nor is there anything in the contract I signed stating that early-stage accounts are ineligible for assistance. Their refusal is based purely on internal decisions, not actual policy, and it is causing irreversible harm to my credit and threatening my ability to maintain basic transportation. 

Meanwhile, I know for a fact that others with new loans in similar situations have received deferments. So GM Financial can helptheyre simply choosing not to. 

This complaint is being filed because their actions are inconsistent, unsupported by policy, and intentionally harmful. I am not asking for forgiveness, only for a reasonable XXXX grace period so I can resume on-time payments and avoid repossession. At this point, they are not only refusing helptheyre actively creating the conditions for financial failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a derogatory item reporting on my credit report under the name XXXX XXXX Bank, now reportedly being collected by XXXX XXXX XXXX. This account is listed as charged-off with a balance of {$1400.00} as of XX/XX/year>, and is causing significant harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that your agency investigate and verify the completeness and accuracy of this account. If the debt can not be validated by the furnisher ( XXXX XXXX XXXX or XXXX XXXX XXXX ), then you are legally required to remove this item from my credit report. 

Additionally, if this collection account was resold, re-aged, or reported inaccurately, that would constitute a violation of FCRA XXXX and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Reporting inaccurate information Failing to report an account as disputed Continuing to report unverifiable debt. 

Please provide a written response with the results of your investigation and actions taken. If this item is not verified with proper documentation, it must be permanently deleted from my credit file with your bureau. 

Sincerely, 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 2025-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a construction loan with US Bank with a {>= $1,000,000} limit. 

The principal balance on XX/XX/year>, was {>= $1,000,000}. 

On that day, US Bank converted the loan from a construction loan to a conventional mortgage and charged me interest on {>= $1,000,000}. 

I believe the interest should have been computed based on the actual principal balance, not on money that had never been disbursed. 

I believe I was overcharged {$2600.00}. 

The loan rate is 7.5 %. 
Interest charged was {$10000.00} = 7.5 % / 12 x {>= $1,000,000} Correct interest amount = {$8200.00} = 7.5 % / 12 x {>= $1,000,000} Excess interest charged = {$2600.00} = 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 2025-07-05 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: TX

Complaint narrative:
I am filing this as a follow-up complaint. I previously submitted disputes to TransUnion regarding multiple accounts and personal information that are inaccurate and the result of identity theft. I provided a formal written dispute, a copy of my FTC Identity Theft Report, proof of identity, and proof of address.

TransUnion failed to block or delete these fraudulent accounts as required under FCRA 1681c-2 and did not provide adequate verification. Some disputed items remain on my credit file without proper investigation or evidence. These include unauthorized accounts, false late payments, and addresses/employers that are not mine. 

I am requesting the CFPB to require TransUnion to fully investigate, block, and delete any unverifiable or fraudulent information, and to provide me with a clear explanation of their procedures and findings as required by the FCRA. This situation has caused significant harm to my credit and personal life.

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 2025-07-05 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:
Urgent Demand for Reinvestigation and Permanent Removal of Repossession Account Marked as Profit and Loss To Whom It May Concern, TransUnion, Equifax, and Experian I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding a repossession account that was previously disputed and is now marked as a profit and loss write-off. Despite this, the account continues to appear on my credit report, which is inaccurate, misleading, and in violation of federal law. 

- The account in question was the subject of a prior dispute and should have been removed or corrected. 
- It is now marked as a charge-off/profit and loss, which is a final accounting action indicating the creditor has written off the debt. 
- The continued reporting of this account especially without proper verification is damaging and unjustified. 

The following provisions of the FCRA and related regulations apply : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days of receiving notice.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information is inaccurate, incomplete, or can not be verified, it must be promptly deleted.

- 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy.

- 15 U.S.C. 1681s-2 ( b ) : Requires furnishers of information ( such as the original creditor or debt collector ) to investigate disputes forwarded by a credit bureau and correct or delete inaccurate data.

- 15 U.S.C. 1681c ( a ) ( 4 )/ ( a ) ( 5 ) : Limits the reporting of charge-offs and repossessions to seven years from the date of the original delinquency. 
- XXXX XXXX XXXX XXXX XXXX : Emphasizes that both furnishers and credit reporting agencies must conduct a reasonable investigation and can not impose arbitrary barriers to dispute resolution. 
The continued reporting of this account especially after it has been charged off and disputed suggests a failure to verify its accuracy or to conduct a lawful reinvestigation. : I have attached : - A copy of my credit report showing the repossession and charge-off status. 


sincerely, XXXX XXXX XX/XX/year> XXXX ssn

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 2025-07-05 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: TX

Complaint narrative:
I submitted formal disputes regarding inaccurate information on my report related to XXXX account ( Account # XXXX ). Despite my efforts, the bureaus continue to report incorrect charge-off information, inaccurate balance history, and unverifiable payment records. The reporting violates the Fair Credit Reporting Act ( FCRA ). I request the removal or immediate correction 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 2025-07-05 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: FL

Complaint narrative:
My XXXX XXXX number was obtained and used fraudulently. I have included in a cover letter explaining whats incorrectly reported on my credit report.

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 2025-07-05 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a formal dispute against this credit agency regarding inaccurate or unverifiable information on my credit report. In response, the furnisher of the information allegedly verified the debt ; however, I was not provided with a method of verification or any supporting documentation outlining how the information was verified. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive a description of the procedure used to verify the accuracy and completeness of the disputed information. Despite my request, the credit reporting agency and/or the furnisher failed to provide this required information. 
This lack of transparency prevents me from understanding the basis of the continued reporting and impairs my ability to further dispute or correct the record. I am requesting immediate removal or amend the dispute accountXXXX XXXX XXXX XXXX, Account number XXXX as this credit agency inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I am filing a complaint for a series of unauthorized charges for a " Coinbase XXXX '' subscription totaling {$220.00}. This consists of a promotional charge of {$14.00} on XX/XX/XXXX, followed by seven monthly charges of {$29.00} from XX/XX/XXXX through XX/XX/XXXX. 

I did not knowingly or intentionally subscribe to this service. My account records, which I can provide, show this subscription began with a " free trial '' on XX/XX/XXXX. I have a strict personal policy to avoid such trials, which suggests the sign-up process was either a technical error or utilized a deceptive user interface. 

Crucially, my Coinbase account remained completely dormant with zero trades or any other activity during the entire period I was being charged the periodic {$30.00} subscription. This demonstrates I had no knowledge of the subscription and received little to no value or benefit from it. 

On XX/XX/XXXX, I contacted Coinbase support to resolve this issue. An agent named XXXX initially refused a full refund ( Case # XXXX ). After a lengthy chat where I had to insist upon escalation, my case was reviewed by a " specialist team. '' They requested a screenshot of the cancellation, and thereafter, they issued a firm and final decision to deny a full refund, offering only one month 's fee back. I formally rejected this offer and stated my intent to seek external resolution through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
It has been brought to my attention after reviewing my consumer report that my rights as a consumer has been violated on various accounts. My accounts report has been furnished illegally violating multiple U.S Consumer Law Codes and The Fair Debt Collection Practice Act. I am requesting that all illegally furnished and inaccurate information that is reporting are removed from my consumer report immediately. I have submitted this request directly to the Consumer Reporting agencies on multiple occasions and they continue to overshadow the U.S Consumer Law Code and The Fair Debt Collection Practice Act which violates my consumer rights. If no action is taken, I will be forced to take legal action for illegally furnishing my consumer report with inaccurate and unverifiable accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Lockhart and Morris illegally ran my credit report without my knowledge or consent and reporting information on me that doesn't belong to me. i have never conducted any bsiness with this company and have asked for a debt validation letter on several occassions and never receive it. 1. Unauthorized Inquiry FCRA 1681b ( f ) Violation Lockhart , Morris & Montgomery accessed my consumer credit file in XX/XX/XXXX without my knowledge, consent, or any valid legal purpose. Under 15 U.S.C. 1681b ( f ), it is unlawful for any entity to obtain a consumer report without a permissible purpose, such as : A credit transaction initiated by the consumer Collection of an account with clear, current validation and consumer consent Written authorization No such conditions existed. Therefore, this inquiry constitutes a willful violation, exposing your firm to civil liability under 15 U.S.C. 1681n and actual damages under 1681o.

2. Outdated and Unverifiable Debt FCRA 1681c ( a ) ( 4 ) Violation The collection account being reported by Lockhart , Morris & Montgomery stems from an alleged debt owed to XXXX XXXX, with origination dated back to XXXX. According to 15 U.S.C.

1681c ( a ) ( 4 ), most negative credit information, including collections, must be excluded after 7 years from the date of first delinquency.

In

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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