vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/year>, around XXXX XXXX  contacted Ally Bank about my auto loan that is set to mature on XX/XX/year>. Payments are {$470.00} per month. My remaining balance is {$5700.00}. After my last payments are complete, I'm projected to have a balloon payment of around {$4500.00}. I called Ally to discuss this and see what my options were. They initially advised me to call the dealership for options, which didn't make sense. They sell the car, not finance it. Then she advised that there were no options, the full {$4500.00} will be due on XX/XX/year>. I advised her that is an undue hardship and I don't have {$4500.00} just sitting around to payoff the loan. Inquired about re-amortizing the final balance. The agent mentioned that this is non-negotiable. Requested a manager and they didn't transfer to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute the reporting of unauthorized accounts in my credit history. Please investigate in depth and eliminate them. Supporting materials are attached.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested several accounts and an address to be removed from my credit which they refused

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 2025-10-09 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: FL

Complaint narrative:
I requested several accounts and an address to be removed from my credit which they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX  account was frozen immediately after I created it. I have tried at least XXXX times to contact customer support through their 24/7 live chat and other methods, but no human representative has responded. 

The account has never been usable. I now simply want to permanently close it, but I am unable to do so because the freeze prevents access to settings. 

XXXX XXXX email support is not monitored, and their app support leads nowhere. I am requesting your help in getting this company to either unfreeze and allow me to close the account or close it manually on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-09 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: FL

Complaint narrative:
Irregularities Identified Contradictory Date Opened EXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XX/XX/XXXX The same auto loan can not have XXXX different opening dates. 

Different Monthly Payment Amounts XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : {$0.00} It is not possible for XXXX bureau to report a $ 344 monthly payment and another {$0.00}. 

Contradictory Account Rating XXXX : Paid XXXX XXXX  Open TransUnion : Open The account can not be simultaneously reported as Paid and Open. 

Inconsistent Balance XXXXx : {$13000.00} XXXX : {$13000.00} TransUnion : {$13000.00} Equifax reports a different balance compared to the other XXXX. 

Different Last Activity Dates XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX A single account can not have XXXX different last activity dates. 

Contradictory Last Reported Dates XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX Bureaus are not aligned on when the account was last reported. 

Payment History Inconsistency XXXX XXXX and TransUnion show multiple XXXX late notations in different months. 

This creates a distorted picture of alleged delinquency. 

Contradictory Dispute Status XXXX : Consumer disputes reinvestigation in progress XXXX : No dispute noted. 

TransUnion : No dispute noted. 
Bureaus must report consistent dispute flags across all systems. 

Step XXXX Legal Violations FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy multiple discrepancies in dates, balances, and statuses.

FCRA 1681i ( a ) : Failure to properly reinvestigate disputes remain unresolved, and inaccurate data persists.

FCRA 611 ( a ) ( 5 ) ( B ) : Prohibition against reinsertion of previously corrected/deleted information without certification and advance notice.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher ( XXXX XXXX XXXX  ) reported inaccurate and conflicting information to the credit bureaus. 

FDCPA 807 : Misrepresentation of the character, amount, or legal status of debt by reporting Paid with delinquencies at the same time.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: NY

Complaint narrative:
I recieved a notice of adverse underwriting decision from my insurer and requested a copy of the consumer report from LexisNexis, the first time on XX/XX/XXXX, the second time in XXXX and the third time today. I have received bupkis. Now, I worked for LexisNexis for 25 years and realize its a completely XXXX company, but this is unconscionable and they should be punished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-09 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: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-09 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: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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 2025-10-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase and its partner bank have failed to resolve or issue provisional credit for my Coinbase Card fraud/dispute claim within the timeframe required by Regulation E ( more than 10 business days ).

Ive repeatedly contacted support but have not received a clear decision, status, or refund.

I request CFPB assistance to ensure compliance with Regulation E and proper handling of my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 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:
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 : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX  XXXX XX/XX/year>

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is a follow-up to my prior CFPB complaint XXXX  XXXX ( Closed ). 

Portfolio Recovery Associates has re-reported a debt that was previously resolved, closed, and deleted from my credit reports as part of that prior investigation. The same account ( No. XXXX, balance {$8500.00} ) reappeared on my credit report in XX/XX/XXXX and was updated again in XX/XX/XXXX, showing as an active collection. 

This constitutes an unauthorized reinsertion in violation of FCRA 611 ( a ) ( 5 ) ( B ) and continued collection of a disputed, unvalidated debt in violation of FDCPA 807 and 809. 

I request that the CFPB require Portfolio Recovery Associates to : Immediately delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX 
Provide written confirmation that no further attempts to collect or report this account will occur. 
Provide documentation showing why and how this account was re-inserted despite the prior closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a written request to Credit Collections Services ( CCS Offices ) under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, formally requesting proof and validation of an alleged debt. CCS did not respond within the legally required 30-day period. More than sixty ( 60 ) days later, on XX/XX/year>, I finally received a letter acknowledging receipt of my request but refusing to provide any validation of the debt. Instead, CCS claimed they could not locate my account because I did not provide an account number. 

This reasoning is both unreasonable and unlawful. As the party that initiated contact with me, CCS already possesses all necessary identifying information to locate any account they claim to hold in my name. My initial letter included my full legal name, mailing address, email address, and phone numberall of which CCS has used in their repeated attempts to contact me. Therefore, their claim that they are unable to locate my file without an account number is not credible and appears to be a deliberate attempt to avoid providing debt validation as required by law. 

In addition, CCS has engaged in harassing and abusive collection conduct, including repeated phone calls up to eight ( 8 ) times per day, often with no voicemail left and no representative on the line when I attempt to answer. Such conduct constitutes harassment under 15 U.S.C. 1692d, which prohibits behavior intended to annoy, abuse, or harass consumers. 

Because CCS failed to provide proof of debt within the required timeframe and continues collection activities without validation, they are now in violation of 15 U.S.C. 1692g ( b ). The FDCPA explicitly requires that all collection activity must cease until proper verification is provided. Continuing to contact me without validation constitutes a clear breach of federal law. 

Given CCSs repeated violations, refusal to validate the alleged debt, and continued harassment, I am filing this formal complaint and demanding immediate corrective action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What Happened? 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 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:
What Happened? 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX and XXXX contacted XXXX XXXX about fraudulent charges. Company refused to remove charges. XXXX provided my credit card information to people at mailing addresses stored on my account without my authorization.

Company response to consumer: Closed with explanation