vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I had a reservation at XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX ) via XXXX for XXXX to XXXX for {$670.00}. Upon entering the hotel room a strong odor was present. After settling into the room, I determined the smell was coming from the bathroom, and it was present through the whole hotel room. It smelled of water damage and mold. After further inspection it was evident it was from the mold accumulating on the walls. The overall cleanliness of the room was abysmal and dirty. No XXXX was present in the room. This contradicts what the listing shows in photo eleven in the attachment. Just a small XXXX window with no screen XXXX lock that could be opened to provide ventilation. This also presented a concern for safety, as this was a ground level room and anyone could access the window. 

Bugs were present and needed to be taken care of through out my stay. On top of all of that, the wifi didnt work and the tv had no picture, only sound. After many attempts I was able to get ahold of someone in customer service via the hotels messaging interface. I requested a different room and I was told nothing was available. I requested I be moved to one of their many locations throughout central XXXX and was told nothing was available. Given the time ( XXXX ) it was impossible to find other accommodation. I reached out to XXXX and was told they could do nothing and to handle it directly with the XXXX. The XXXX said they would have someone come over in the morning to inspect the room. No one came. No one called me to inform me they were on the way. I was left with no choice but to leave the hotel and cut my trip short. 

When I arrived back in the XXXX, XXXX offered me a CREDIT of XXXX that can only be used for a short time on future reservations and will expire XX/XX/2026. This was NOT a refund and it barely covers the cost of the XXXX night I stayed. Nothing was resolved via XXXX or the XXXX. 

I filed the dispute with Ally Bank on XX/XX/XXXX as goods/services not as described. I was notified on XX/XX/XXXX that my claim was denied for the reason that I authorized the transaction. I appealed their decision and was notified on XX/XX/XXXX that the appeal was also denied for the same reason. I believe this claim was filed incorrectly by Ally resulting in Bookings favor. I asked what information did XXXX provide that resulted in that decision and was told the same reason as stated above. XXXX was authorized.

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 2025-10-07 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: AZ

Complaint narrative:
I have been enrolled in an approved payment plan with XXXX since XXXX, and the account is scheduled to be fully paid off in XX/XX/XXXX. Despite consistently making my agreed-upon payments on time, XXXX continues to report the account as late every month, with the reported balance increasing due to added interest and fees. This negatively impacts my credit score every month. 

I have raised this issue with XXXX multiple times, and their response has been that they are following all FDCPA guidelines by reporting it this way. However, this reporting does not accurately reflect my current payment status or activity. 

Other creditors I have similar settlement or payment arrangements with, report the accounts as delinquent but show the balance decreasing with each payment made, and change the status to " settled for less than '' after it is completely paid off. XXXX, on the other hand, is not showing any payments applied toward the balance and continues to report both an increasing balance and a current delinquency since XXXX, thus affecting my XXXX XXXX for a year and a half. 

This reporting is misleading and harmful to my credit profile, as it does not accurately represent that I am actively paying down the debt under an approved repayment plan. I am requesting that the CFPB review XXXX reporting practices and ensure that my account is updated to accurately reflect payments made and the true balance owed. I also request that XXXX report it accurately once the final payment is made on XXXX XXXX, XXXX. Given their history of innacurate reporting, I am not confident that they will report it correctly once it is paid off. This feels like a malicious attempt to punish me for having to enter into a payment agreement during a time when we were struggling to sell our house and paying on XXXX houses.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been enrolled in an approved payment plan with XXXX since XXXX, and the account is scheduled to be fully paid off in XX/XX/XXXX. Despite consistently making my agreed-upon payments on time, XXXX continues to report the account as late every month, with the reported balance increasing due to added interest and fees. This negatively impacts my credit score every month. 

I have raised this issue with XXXX multiple times, and their response has been that they are following all FDCPA guidelines by reporting it this way. However, this reporting does not accurately reflect my current payment status or activity. 

Other creditors I have similar settlement or payment arrangements with, report the accounts as delinquent but show the balance decreasing with each payment made, and change the status to " settled for less than '' after it is completely paid off. XXXX, on the other hand, is not showing any payments applied toward the balance and continues to report both an increasing balance and a current delinquency since XXXX, thus affecting my credit score for a year and a half. 

This reporting is misleading and harmful to my credit profile, as it does not accurately represent that I am actively paying down the debt under an approved repayment plan. I am requesting that the CFPB review XXXX reporting practices and ensure that my account is updated to accurately reflect payments made and the true balance owed. I also request that XXXX report it accurately once the final payment is made on XXXX XXXX, XXXX. Given their history of innacurate reporting, I am not confident that they will report it correctly once it is paid off. This feels like a malicious attempt to punish me for having to enter into a payment agreement during a time when we were struggling to sell our house and paying on XXXX houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
This entry is not reflective of my payment behavior and seems to have been reported in error. Kindly review and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This letter serves as a formal follow-up to your correspondence dated XX/XX/year>, regarding the above-referenced account. ( XXXX ) In your letter, you confirmed receipt of my dispute and stated that you would cease collection activity and request that the consumer reporting agencies delete this account from my credit file until verification of the debt is provided. 

Despite this acknowledgment, the account in question remains on my credit report, which constitutes a violation of both your written commitment and the Fair Credit Reporting Act ( FCRA ). To date, I have not received any verification of the alleged debt, and therefore, this account must not be reported to any consumer reporting agency.

I am formally requesting that you : 1. Immediately contact all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) and request removal of this account from my credit file ; 2. Provide written confirmation to me that these deletions have been completed ; and 3. Cease all further reporting or collection activity unless and until you can provide complete verification of the alleged debt.

Please be advised that continued reporting of unverified information is a direct violation of the FCRA and may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Minnesota Attorney Generals Office. 

I expect written confirmation within 15 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
What Happened : Ive disputed these same two addresses and a misspelled version of my name with Experian multiple times, and theyre still showing on my report. Ive already submitted my ID, proof of address, and my Social Security card. 

It is severely affecting my credit profile, reputation, and ability to move forward financially in the most detrimental way possible.

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 2025-10-07 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: KS

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-07 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: VA

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: AL

Complaint narrative:
Name : [ XXXX XXXX ] Company : Card.com XXXX XXXX, XXXX. 
Complaint Type : Delayed release of verified funds / failure to resolve after repeated XXXX promises My name is [ XXXX XXXX ]. I opened a Card.com account in XX/XX/year>. On XX/XX/year>, an insurance company sent an XXXX deposit of {$1200.00} to my account. A second deposit of {$600.00} was sent shortly after from the same insurance company. These are legitimate insurance claim payouts in my name. 

Card.com immediately froze my account and requested verification documents, which I provided promptly, including my Social Security card, state ID, utility bill, and proof of the source of funds. I was later informed that my verification had been completed and sent to the Risk Department for final validation on XX/XX/year>, and was told to allow XXXX business hours for a decision. 

It has now been over a week, and my funds remain locked with no resolution. Every time I call, I am given the same scripted response to wait XXXX business hours, with no actual progress or escalation. The deposits have been sitting in my account for over a week despite providing everything required to verify my identity and the legitimacy of the deposits. 

This delay is unreasonable, especially since these funds are legitimate and my documentation has been fully submitted. XXXX XXXX Department has exceeded their stated timeline, and I have received no clear explanation or timeframe for when my funds will be released. 

I am requesting that Card.com / XXXX immediately finalize the XXXX Department review and release my funds, or provide a written explanation for any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX hasnt reported my account as successfully paid in full to show closed, they have falsely put on my report as closed with a charge off on my account, please stop them right away this is messing me up big time, I needed this done right away

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX hasnt reported my account as successfully paid in full to show closed, they have falsely put on my report as closed with a charge off on my account, please stop them right away this is messing me up big time, I needed this done right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I made a payment with this company in XXXX of XXXX and I paid off XXXX of my unsub loans. I paid & XXXX on XX/XX/XXXX. 

I complained about this company to the CFPB ( Complaint # XXXX ) in XXXX of XXXX. 

MOHELA responded after the complaint to the CFPB and they asked that I submit proof of payment. I just uploaded both my payment confirmation email and a screenshot of the corresponding bank transaction through the secure messaging system on XX/XX/XXXX. The company responded on the XXXX of the same month and told them to give them XXXX days to fix the problem. 

I received an email on XX/XX/XXXX with my quarterly update. The next day, XX/XX/XXXX, I received an email saying my loan status changed, and on XX/XX/XXXX ( today ) I received an email saying that my loans were XXXX  days past due and threated to go into deferment. 

I made payments to each of the sub loans I owe on, totaling an amount of {$1200.00} since they were " past due '' -- even though I received no notice that they were due in the first place. But I did not pay towards the unsub since I have already paid them. I believe it still says that I am gathering interest ( starting XX/XX/XXXX - present ) even though the loans are paid off. 

I also don't want to sign up for a repayment plan when I don't know my true balance because of incorrect reporting from MOHELA. 

Therefore, they have not fixed the problem, they did not give me proper time or notice to make a payment in time before considering it " past due '' and they expect me to make payments on loans I have already paid off.

Company response to consumer: In progress
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: SD

Complaint narrative:
Plus Four Inc obtained my personal and HIPAA information illegally and reported it to my credit report. I demand they release all information regarding the ONE record ( person ) they have as admitted by the representative.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: PA

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

Company response to consumer: Closed with non-monetary relief