vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because Equifax continues to inaccurately report a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, despite numerous disputes, written notices, and legal violations that have gone unresolved. 

The account was originally established through XXXX XXXX XXXX, a dealership that is now closed and out of business. After the dealerships closure, XXXX XXXX XXXX transferred or assigned the account to XXXX XXXX XXXX XXXX, who has confirmed in writing that they are collecting the debt on Toyotas behalf, not as the original creditor. 



Summary of Events and Disputes XX/XX/year> XXXX XXXX XXXX account removed from my Equifax credit file. 
XX/XX/year> The same account reinserted without any written notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
XXXXXXXX XXXX I submitted multiple disputes, but Equifax failed to provide original verification from XXXX or any proper documentation. 
XX/XX/year> I re-disputed the reinsertion and demanded deletion. 
XX/XX/year> I sent a follow-up dispute requesting the method of verification. 
XX/XX/year> Another written dispute submitted ; Equifax did not remove the account. 
XX/XX/year> I sent a cease-and-desist notice demanding Equifax stop re-adding or updating this account. 
XX/XX/year> Additional disputes filed, yet the account remained listed as XXXX. 
October 1415, 2025 Other remark changes appeared on my report while the XXXX account remained, showing inconsistent handling of disputes. 



Violations and Legal Basis XXXX. FCRA 611 ( a ) ( 5 ) ( B ) : The XXXX XXXX XXXX account was reinserted after deletion without written notice within XXXX business days. 
XXXX. FCRA 611 ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation and relied on automated systems rather than original creditor documentation. 
XXXX. FCRA 602 ( a ), 607 ( b ) : Equifax failed to ensure maximum possible accuracy. The creditor data contains names and addresses that do not match my credit file. 
XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Equifax has not provided a valid method of verification or the original documents used to verify this debt. 
XXXX. FCRA 623 ( a ) ( 1 ) ( A ) : The furnishers ( XXXX XXXX XXXX and XXXX XXXX ) are reporting incomplete and inaccurate information. 
I am providing copies of : Prior dispute letters submitted to Equifax, Screenshots showing removal and reinsertion dates, Documentation from LCS Financial confirming their collection role for XXXX, and Proof that XXXX XXXX XXXX ( the original point of sale ) is out of business. 
Equifaxs repeated reinsertion and inaccurate reporting demonstrate willful and ongoing non-compliance with the FCRA. My attorney has already initiated legal action for these violations. I request that the CFPB immediately investigate and enforce the removal of this XXXX XXXX XXXX account and ensure Equifaxs full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
This person or some entity apparently was able to log into my account and send money to this person claiming to be family. So since they made it look like me logging in, the money was sent. I submitted several requests for return of the funds, no response. This name no longer has an account with Paypal. I did some investigation and found that this person has used another name in PayPal, XXXX. I have put in requests to that account and no response. 
XXXX XXXX {$120.00} XX/XX/XXXX. Money Sent " Family '' Repeat Your recipient should have the money by XX/XX/year>. 

Repeat this transaction Split Payment Paid with PayPal balance {$120.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Family Details Sent to XXXX XXXX {$120.00} Fee {$4.00} Total {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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 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 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 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 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 XXXXXX/XX/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 2025-10-15 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction and anger with the handling of a new customer coupon of {$900.00} bonus that was promised to me when I open checking and saving account together on XX/XX/XXXX. Unfortunately, the coupon was not applied correctly because the branch system was always offline on that day. 

XXXX. On XX/XX/year>, I opened a checking and saving account together in a Chase branch near my home, the banker said help me open both account and applied bonus coupon and credit card together, but that day the branch has many problems, XXXX. the internet was always offline and printer did not work, so I do not get any paper work for opening so many account, this is so ridiculous. For now, I do not get my debit card and bonus. 

XXXX. I tried to solve the bonus coupon 's problem, but banker and specialist on call both can not solve this problem, tell me I can not get this bonus anymore because I opened the account on XXXX, now is XXXX, so I am not a new customer, XXXX, so funny. And the branch banker said he can not help anything, because this branch does not have the director, the previous director just resigned before the day I opened the account, so nobody can help me. 

Due to errors on Chase fault operation, I am now missing out {$900.00} bonus. I am not the only customer who has experienced this issue, it is unfair that customer like me, who follow the requirements in good faith, Direct deposit to Checking and deposit {$15000.00} to saving, are penalized due to system problem. I strong XXXX Chase to address this issue promptly and ensure that the promised bonus is credited to my account. 

I appreciate your attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
There are errors being reported on my credit file.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Between XX/XX/year> and XXXX, I received multiple collection letters from Gurstel Law Firm attempting to collect an alleged XXXX XXXX credit card account. 

On XX/XX/year> I mailed a certified debt-validation letter to Gurstel Law Firm requesting : A copy of the original XXXX  XXXX contract with my signature Documentation of the account balance, including all charges, fees, and interest Proof Gurstel was legally authorized to collect on behalf of XXXX  XXXX Any communications between Gurstel and XXXX XXXX about the account A detailed explanation of how the alleged amount was calculated The letter was sent via certified mail with proof of delivery, and I have USPS receipts confirming receipt. I also sent a follow-up notice after receiving no response.

Despite multiple certified notices and ample time to respond, Gurstel Law Firm never provided validation or acknowledgment of my lawful request under the FDCPA. They continued to send form letters that did not address the validation request or provide required documentation. 

As of today, the alleged balance remains disputed and unvalidated. I am requesting that Gurstel be required to provide full verification of the debt or cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: DE

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 XXXX XXXX XXXX XXXX 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 2025-10-15 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: WI

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 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My husband is a federal employee and is currently working without pay due to the government shutdown. We reached out to our auto loan financer Ally Bank in regards to both of our auto loans in hopes of getting an extension for each loan until the shutdown is over. They denied our requests, saying we had reached our max of 6 extensions over the entire period of having the loan. We have not had an extension for almost 2 years. I feel like since the government shutdown is completely out of our hands, there should be some flexibility with this rule, and Ally should be open to assisting their customers. They advertise all over their website that they are ready to help regarding the shutdown and to reach out, howeve, r it was pointless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
There are errors being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are late payment entries on my credit report that I believe may be incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and capable of verification. I am requesting that you investigate and verify these late payments, and if verification is not possible, that the entries be either updated or removed accordingly.

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 2025-10-15 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: FL

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I used a Commenity Bank credit card ( issued through Arhaus ) to purchase furniture under a deferred interest promotional financing offer about two years ago. I made consistent, on-time payments for the full promotional period and never missed or was late on a payment. 

Recently, I was charged a {$16000.00} finance charge because my final payoff payment was posted seven business days after the promotional period ended, which was only four days beyond the three-day grace period your customer service team mentioned for the later of two promotional purchases, and less than two weeks late for the first purchase.

Despite my consistent payment history and immediate full payment, Comenity Bank applied retroactive interest to the entire two-year promotional balance, increasing my account balance from approximately {$14000.00} to over {$30000.00} in one day. 

The promotional financing terms were confusing, nonstandard, and set consumers up to fail. The offer included multiple purchases with separate promotional expiration dates, which were not clearly displayed on monthly statements or in the online portal. 

Even though I paid on time for two years, a short delay of just a few days caused a retroactive finance charge of over {$16000.00}, which feels excessive and punitive.

This outcome is disproportionate given my strong payment history, the minimal timing lapse, and the fact that I fulfilled my obligation in full once aware of the issue.

I respectfully request that Comenity Bank waive or substantially reduce the {$16000.00} finance charge as a good-faith accommodation, based on : My perfect two-year on-time payment history ; The fact that I have now paid the full balance ; The unclear structure of the promotional offer. 

I also ask that the CFPB review Commenity Banks promotional financing disclosures to ensure these offers are communicated clearly and not designed in a way that traps consumers with retroactive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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 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 2025-10-15 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:
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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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