vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I formally disputed inaccurate item listed on my credit report by XXXX, pertaining to an account reported by Credit Acceptance Corporation.

The report reflects a balance owed on this account that is incorrect. I dispute the validity and accuracy of this information for the following reasons : I do not owe the balance that was reported The report inaccurately reflects a balance owed that is not correct. Specifically, the reported balance fails to account for gap insurance coverage that was in place at the time the vehicle associated with this loan was totaled. Gap insurance was intended to cover the remaining balance on the loan after insurance payout, and it should have reduced if not fully satisfied the remaining debt.

Despite this, XXXX  continues to report an outstanding balance that does not align with the terms of the gap coverage or the actual financial resolution of the account. I believe this entry is inaccurate and misleading, and I request that it be investigated and corrected.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Email : XXXX Subject : Final Attempt to Resolve Ongoing FCRA Violations and Inaccurate Reporting I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to repeated and unresolved inaccuracies in my credit report, as well as the failure of the credit reporting agency to comply with key provisions of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes most recently submitted on XX/XX/XXXX the following accounts continue to report inaccurate or unverifiable information : Disputed Accounts : XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX The credit reporting agency has repeatedly responded with vague claims that the accounts were verified, but they have failed to provide : The specific method of verification used for each item, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

The name and contact information of the data furnishers.

Copies of any supporting documentation relied upon during the reinvestigation.

Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation and provide method-of-verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: CA

Complaint narrative:
I opened a business bank account with Mercury for my company, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, Mercury suddenly restricted my account without prior warning. A few days later, they informed me via email that my account was being closed due to a violation of Terms of Service. They did not provide a clear explanation or details of the alleged violation.

They stated that all remaining funds in my account would be held for at least 60 days and only released by check, even though I do not reside in the United States. I requested clarification and account details ( bank info, statements ), but I received no further support. Mercury refused to provide alternative ways to access my funds or reconsider their decision.

This action has caused serious disruption to my business. I respectfully request that Mercury provide a transparent explanation, allow me to access my funds in a reasonable manner, and offer proper documentation for the account closure.

Since then, I have repeatedly emailed Mercury requesting essential account information such as : - Bank name - Routing number - Full account number - Account transaction history These requests have been completely ignored. The lack of transparency and refusal to provide my own account information is unacceptable. I need these details for accounting and tax purposes, and to verify future disbursement of funds.

I request that Mercury be held accountable and required to provide the requested information and a clear explanation of the account closure.

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Id like to file a complaint against Wise transfer service. My wise Membership number XXXX. 
I have initiated transfer of USD XXXX on XXXX XX/XX/year> transaction number # XXXX. But the transfer was not processed for many days and in the end it was cancelled by Wise on XXXX XXXX without notification to me and no communication of reason of cancellation. In the period from XXXX to XXXX XXXX, I have contacted XXXX times Wise help desk and asked to escalate my case to payment team for timely processing my transfer. But in 10 days period no response was received by me at all from Wise payment team, although Wise XXXX has responded to me every time that they have escalated my case to relevant team, but no result is coming out of several escalations. I have also tried to file a complaint on the website of Wise but the link for filing a complaint was not working. The last step of sending complaint was not active and was always stuck at the final sending step. Repeatedly have I asked Wise XXXX to file a complaint about my case and request for confirmation of my claim. But no mail was sent to me to confirm that I have submitted a complaint. 

Hereby I try to submit here an official complaint about Wise about my failed transfer request on XXXX XX/XX/year> transaction number # XXXX. Wise has cancelled my transfer without reason and without informing me of the reason and status. Although I made attempts to Wise XXXX for help, no progress or help was given after escalation. No reaction nor response from Wise about what is going on and how I can transfer my money on my Wise account to other bank account. No possibility to file a complaint on website link nor has the helpdesk helped me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: SC

Complaint narrative:
I HAD AN ALARM SYSTEM AND CONTRACT ENDED ... THEY TRIED TO CHARGE ME MORE MONTHS WHEN CONTRACT CLEARLY ENDED .. ALARM SYSTEM HAD REPEATED FAILURES AND THEY NEVER WOULD GET IT STRAIGHTENED OUT, SO WHEN CONTRACT ENDED I NEVER RENEWED IT, BUT THEY STILL CHARGED ME

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am submitting this complaint regarding a closed auto loan account with XXXX XXXX XXXX ( Account # XXXX ), which is incorrectly reporting a 30-day late payment on my credit file. 
This account was paid and closed on XX/XX/XXXX, and shows a {$0.00} balance, yet the credit reporting includes a negative payment status marked as Paid, was past due 30 days. There is no record of ongoing delinquency, and I have no supporting documentation from the creditor that substantiates this derogatory entry. 
I have disputed this account multiple times with the credit bureaus ( on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX ), each time requesting statements and payment history records showing when this supposed delinquency occurred. I have not received any validation or evidence confirming the accuracy of this negative item. 
Per the Fair Credit Reporting Act ( FCRA ), I request that : The late payment be removed from this account reporting, or The account be fully deleted from my credit file if the creditor can not provide evidence of delinquency. 
This information is outdated, inaccurate, and is having a continued unfair impact on my credit history. I am requesting the CFPB assist with holding the furnisher and reporting agencies accountable for failing to verify and correct this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / XXXX XXXX XXXX Subject : Formal Dispute Inaccurate Charge-Off and Late Payment Reporting Creditor : XXXX XXXXXXXX Account Number : XXXX Dear Equifax/XXXX XXXX I am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the above-referenced account with XXXX XXXX. 
This account is reported as charged off with a history of multiple late payments ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), yet the past due amount shows {$0.00}, and the account has been closed since XX/XX/XXXX. These conflicting data points make the reported information questionable and potentially inaccurate or unverifiable. 
I have previously disputed this item on XX/XX/XXXX, and XX/XX/XXXX, and I have not received proper verification or supporting documentation proving that the charge-off and late payments were valid and accurately reported. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I respectfully request the following : 1. Full validation of this account, including : o The original agreement or contract with XXXX XXXX, o A complete payment history showing all payments made and missed, o Specific documentation supporting the charge-off and delinquency ; 2. If the information can not be verified, I request the removal of the charge-off and late payment entries from my credit report ; 3. A written summary of the investigation findings and an updated copy of my credit report reflecting any corrections or deletions. 
If this matter is not resolved appropriately, I am prepared to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) or seek legal advice under the FCRA. 
Please conduct your reinvestigation within the required 30-day time frame and respond in writing to the address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, AND XXXX XXXX  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 in to be removed. 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. XXXX, XXXX XXXXXXXX XXXX AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am submitting a complaint regarding an XXXX account ( Account # XXXX ), which is currently listed on my credit report with a charge-off status and several late payments. 

This account was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last reported on XX/XX/XXXX. It shows a charge-off status with a balance of {$3500.00} and multiple derogatory payment entries : 1 late payment at 30 days 1 late payment at 60 days 3 late payments at 90 days " Worst Rating : Collection Chargeoff '' However, the past due amount shows {$0.00}, and I have previously disputed this account on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In each dispute, I requested the following : Full verification and validation of the alleged late payments ; Legal documentation proving the charge-off status and balance ; Clarification of why the account is still being reported as negative when there is no outstanding balance owed. 

To date, no supporting evidence has been provided to justify the current derogatory reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires all reported information to be complete, accurate, and verifiable. 

Requested Resolution : Please have XXXX provide documentation of the alleged missed payments and the original charge-off determination ; If the information can not be validated, I request that the account be deleted or corrected from all consumer credit reports ; Ensure the balance is updated to {$0.00}, as reporting a charge-off with a remaining balance without evidence is misleading and inaccurate. 

This negative and unverifiable reporting is unfairly damaging my credit. I am requesting the CFPB 's assistance to ensure this account is properly handled in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding an XXXX account ( Account # XXXX ), which is currently listed on my credit report with a charge-off status and several late payments. 

This account was opened on XX/XX/XXXX, closed on XX/XX/XXXX, and last reported on XX/XX/XXXX. It shows a charge-off status with a balance of {$3500.00} and multiple derogatory payment entries : 1 late payment at 30 days 1 late payment at 60 days 3 late payments at 90 days " Worst Rating : Collection Chargeoff '' However, the past due amount shows {$0.00}, and I have previously disputed this account on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In each dispute, I requested the following : Full verification and validation of the alleged late payments ; Legal documentation proving the charge-off status and balance ; Clarification of why the account is still being reported as negative when there is no outstanding balance owed. 

To date, no supporting evidence has been provided to justify the current derogatory reporting. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires all reported information to be complete, accurate, and verifiable. 

Requested Resolution : Please have XXXX provide documentation of the alleged missed payments and the original charge-off determination ; If the information can not be validated, I request that the account be deleted or corrected from all consumer credit reports ; Ensure the balance is updated to {$0.00}, as reporting a charge-off with a remaining balance without evidence is misleading and inaccurate. 

This negative and unverifiable reporting is unfairly damaging my credit. I am requesting the CFPB 's assistance to ensure this account is properly handled in accordance with the 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Earlier today, I checked my credit report like I always do and was surprised to see some incorrect accounts listed. I refreshed my browser thinking it might be a simple error, but the issue persisted. Therefore, Im requesting that the documents Ive already provided be carefully examined to help prevent this kind of issue from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
This morning, I saw an unauthorized inquiry on my credit report, and I have no idea how it got there. I checked my report as I always do, but this time, there were unexpected discrepancies. I even refreshed my browser hoping it was a glitchbut the issue remained. I'm extremely frustrated and Im urgently requesting that the documents Ive submitted be reviewed thoroughly so this can be resolved once and for all.

Company response to consumer: Closed with explanation