vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Soc : XXXX Phone : XXXX XX/XX/XXXX XXXX. CFPB Complaint Charge-off Complaint Statement : I am filing a complaint against Ally Financial regarding an inaccurate charge-off reporting on my credit file. 
The account ending in XXXX was reported as a charge-off in XX/XX/XXXX, but this is incorrect because the balance was paid by insurance. Ally Financial has failed to update the status to reflect the correct balance and resolution of the account. 
I disputed this directly with the company, but they have not corrected the inaccurate reporting. I am requesting that the CFPB require Ally Financial to complete a full investigation and update all credit reports to accurately reflect that the account was paid and should not be reported as an active charge-off XXXX. CFPB Complaint Unpaid Collection I am filing a complaint regarding an inaccurate collection account reported by Credit Collection Services on Behalf XXXX. 
The collection shows a balance of {$190.00} appearing on my report around XX/XX/XXXX but the reporting is inaccurate. The information being reported does not match the actual account details, and I have not received proper validation from the company. I attempted to dispute the information directly but XXXX XXXX XXXX did not correct the inaccurate reporting. I am requesting the CFPB require the company to provide full validation of the debt including original charges and proof it is mine. If the company can not provide proper documentation. I am requesting removal of the account from all three XXXX XXXX XXXX XXXX. CFPB Complaint Incorrect Late Payments ( XXXX XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX regarding inaccurate late payment reporting. The account ending XXXX is being reported as 30 days late for XX/XX/XXXX and XX/XX/XXXX, but this is incorrect XXXX added a {$15.00} late fee and misapplied my payment, causing their system to show the payment as late even though I made a regular payment. I disputed this directly with the company, but they failed to correct the inaccurate late payment reporting. I am requesting the CFPB require XXXX XXXX XXXX to investigate, correct the misapplied payment, remove the inaccurate late payment marks, and update all credit reports accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Case Account Number : XXXX XXXX Trailblazer Seeking financial compensation Three year long case concerning an erroneous charge off on a lease for a XXXX XXXX due to a misreported phone number by GM. Clear responsibility was taken by GM to remove charge off, but after dozens of attempts to enforce and confirm by myself, it still has not been corrected. Seriously damaged my credit for almost 3 years, preventing the acceptance of the application of any other loan, causing the accrual of serious debilitating financial debt and fees due to there being no fair access to credit. 

XX/XX/XXXX Called asking for escalation Put on hold XX/XX/XXXX Called XXXX Detailed facts of case Put on hold No one else was available Given contact info for XXXX XXXX Left message for answering machine No call back from anyone Charge off still not removed XX/XX/XXXX Talked to XXXX Stated charge off removal was approved Stated proof would be emailed and mailed Nothing was mailed or emailed XX/XX/XXXX Talked to XXXX XXXX Customer Service XX/XX/XXXX Talked to XXXX XXXX - Lease Servicing She is person who can remove the charge off XX/XX/XXXX Called XXXX explained situation Transferred to loss team Talked to XXXX explained situation Transferred to supervisor Called XXXX, explained situation Needed to submit case to higher management XXXX hed call back in XXXX days Never called back XXXX? XXXX Call not recorded XX/XX/XXXX Called, Stated system was down talked to XXXX, XXXX trailblazer account was corrected ( Was not corrected ) XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Call not recorded XX/XX/XXXX Initial call to GM concerning charge off specifically ( earlier calls not recorded in call history but were had navigating initial issues )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, my son and I went to Chase Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  to open a joint checking account. All I wanted in the account was XXXX, nothing more. We met with a bank representative and he agreed to open this joint account for us. I wrote a check for the XXXX} limit. This bank representative decided to take it upon himself to set up a transfer of my social security money into that same joint account ... which I never requested. So now I am in the process of having to contact my bank that has my original account with the social security direct deposit. I am thoroughly disgusted with the action taken without my consent. I asked him to cancel the transaction but he said he could not. I am trying to correct the mess he made of my banking experience with Chase Bank I am going to cancel the joint account with Chase and never do business with this bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 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:
I am disputing inaccuracies on my Equifax credit report. The following accounts contain incorrect information and should be investigated : Charged Off Accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX XXXX XXXX Under the FCRA, I request that any information that can not be verified or is inaccurate be corrected or deleted. Please provide written confirmation once this investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
To : The Consumer Financial Protection Bureau, The Federal Trade Commission, XXXX XXXX XXXX XXXX And The Corporate Management Of Chime From : XXXX XXXX XXXX XXXX Protected War Veteran Master Degrees in XXXX XXXX Master Degrees in XXXX XXXX  This is a Regulatory Report on Chime, for Racial Discrimination Practices That Violates The Community Reinvestment Act And Racial Redlining Prohibitons that prevents certain Races and other Identifying Information from receiving Equality And Integrity In the receipt of Products and Services provided by Chime. 

Chime continues to use Unethical Information Technology Methodologies for Racial Redlining of Low Income Consumers who have more propensities for Cell Phone Incapacitation because of Sustainable Economic Burdens resulting from Regional Entrenchment in Civil And Employment Disenfranchisement. 

I provided a request and recommendation to provide an alternative Authentication Method for Redeeming Inbox Rewards a week ago, with the use of Email Authentication, since Text Messages can not be received when the clients Phone is off because of non payment. 

However, The Chime Representatives continues their Defiant Racial Discriminatory Practices By not responding to my emails and not making Reasonable Accommodations to simplify The Redemption of Rewards. 

They also continue to Redline certain Survey Rewards Opportunities with the use of Unethical Information Technology Practices, And Disproportionate Surveys worth less than {$1.00}, requiring more than 20 minutes of completion. 

In addition, their Chat Representatives are XXXX XXXX XXXX who are severely Hostile and Discriminatory towards XXXXXXXX XXXX XXXX, and provides a Terrible and Disenfranchising Provisioning of Customer Service. 

I'm Therefore Reporting this to the Regulatory Authorities for Correction. If the request to have my Inbox Rewards Transferred into my Chime Checking Account and To require Chime to make a reasonable accommodation by integrating Email Authentication as an Alternative to Text Messaging Authentication, then a {$500.00} Conciliation is requested from Chime for their Racial Discriminatory Practices And Causing an Economic Burden that Trespasses on Common Sense with the use of Information Technology. 

The Virtual Gift Cards shown at the Top of this report maybe a Gift from a previous report. 

Thanks and have a great day. 

XXXX XXXX XXXX XXXX Protected War Veteran Master Degrees in XXXX XXXX Master Degrees in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
All recent correspondents are attached and enclosed/uploaded. I have also required that the entity cease and desist any contact UNLESS they can provide ALL required information! What was included does NOT prove they lawfully own the alleged debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX supervisor for Comenity/Bread Financial/XXXX credit card is the latest person I spoke with on XXXX XXXX, 2025, about this constant and consistent issue. When the name was changed, I started immediately having issues with log on in order to pay my bill. It has continued for months. They have sent me links that don't work, they have wiped my account and sent me a link to re-register that didn't work, they had me clear my cache that didn't work, last month a ticket was sent to. I am guessing XXXX  and I was promised the issue was fixed. I attempted to log on XXXX XXXX to pay my bill and couldn't. I called today and once again got the runaround. I spoke to XXXX different reps. NONE CARED ABOUT THE ISSUE and blamed ME for THEIR issue. They refuse to waive the late fees. I want the system pertaining to me fixed permanently and ALL of the late fees since Comenity changed to Bread reimbursed. This is ridiculous that someone tried to pay their bills and they keep charging ME for THEIR issue. I wish I never would have gotten this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
As of today, XX/XX/year>. XXXX Has offer it's online investment to buy and sell stock. I have contacted them for help today and they told me that I have 2 day to day trade for the XXXX  rules. but once I bought a stock today and try to sell it, it told me that i would violate the rules and this would close my account .. so the rep has lied!!! which has caused me to lose money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-17 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: OH

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to file a dispute regarding the accuracy and completeness of information reported on my credit reports. Below are the accounts in dispute, separated by bureau. 


CHARGED OFF XXXX - XXXX, XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the following information on my Equifax credit report. The accounts listed below are inaccurate, and I request that they be investigated and corrected accordingly. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Late Payments : XXXX Account Number : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

Discrepancy : The account is incorrectly reported as charged off and I request verification of the debt. 

Unauthorized Collection Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Discrepancy : This collection account is unauthorized. Please verify its legitimacy and remove if inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to dispute certain items on my TransUnion credit report, which I believe contain inaccuracies. The following accounts are in dispute : [ Inquiries ] ADV 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 2025-11-17 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-17 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
XXXX XXXX XXXX is reporting a chargeoff of my credit stating that the debt was was written off for XXXX. The car was written off in XXXX. However it shows XXXX past due as of XX/XX/XXXX it also shows a balance for XXXX. Per code15 U.S Code 1679c requires the credit bureau must remove inaccurate information. The company did not send a XXXX C form for written off the debt as well.

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 2025-11-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 explanation