vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ( XXXX minutes ago ) to me I previously disputed a XXXX XXXX credit card account that was sold to a debt buyer. I sent certified dispute letters and filed a CFPB complaint. That complaint was forwarded to the FDIC, and the account was removed from my credit report. ( XXXX ) Now, Jefferson Capital Systems has reported the same debt again as a new collection account. They are reporting a false Date Opened of XX/XX/year>, even though this debt is several years old. This is illegal re-aging under FCRA 623 ( a ) ( 5 ). 


This is also an illegal reinsertion of previously disputed and removed information. Under FCRA 611 ( a ) ( 5 ) ( B ), a furnisher must notify me within 5 days if they reinsert information. I received no notice, no validation, and no documentation proving ownership of this debt. 


Jefferson Capital did not provide any of the information I requested when I earlier disputed this debt through the original creditor and the CFPB process. Instead, they re-reported it as a new debt with inaccurate dates and an incorrect status. 


I am requesting immediate deletion of this account and an investigation into Jefferson Capital Systems for inaccurate reporting, re-aging, and reinserting previously disputed information without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-11-27 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: PA

Complaint narrative:
We received our mortgage statement stating our escrow doubled. On XX/XX/XXXX we called the company and were told it was accident and 100s of customers got the same error. We were told a new statement would be mailed. On XX/XX/XXXX the new statement arrived with the same amounts. Raising our mortgage payment over {$300.00} per month. We called the company again on XX/XX/XXXX. This rep was rude and said we were wrong, didn't know what we were talking about and hung up. I called again on XX/XX/XXXX this rep said to give them a week. I emailed the company on XX/XX/XXXX to complain in writing. XX/XX/XXXX a manager from the escrow dept. Called and again said they were correct. XXXX XXXX they emailed us to sign to pay our taxes on our own. Escrow manager also informed us they have been taking money out of our escrow account for their fees "? '' We have lived in this home for 25 years, pay our bills on time and work hard. We need help, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
XXXX XX/XX/XXXXBalance : {$200000.00} Late XX/XX/XXXX Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
XXXX XX/XX/XXXXBalance : {$200000.00} Late XX/XX/XXXX Days

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 2025-11-27 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: GA

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 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 2025-11-27 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: GA

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 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 2025-11-27 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Had some crypto sent to my PayPal account, and PayPal will not allow me to transfer it to my personal wallet and instead is trying to force me to sell it under the guise of a " security restriction ''. So far they have been unwilling to provide the reason or nature of the security restriction. This has been ongoing since late XX/XX/year>, still no resolution is being provided outside of continue trying ever 7 days to see if the transaction ever goes through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Subject : Account Closure Delay, Misleading Communication, and Financial Damages ( {$570.00} ) I am filing a complaint regarding Current 's failure to release funds in a timely manner following an account closure, and for providing misleading information regarding the status of a transfer totaling {$59000.00}. This delay directly impacted a real estate closing, resulting in financial damages and significant XXXX. 
Timeline of Events : XX/XX/year> : I attempted to wire funds to close on a home purchase. Current informed me they do not support wire transfers and their daily withdrawal limits were insufficient. A representative advised that if I closed my account, the full balance would be transferred to my linked external bank in 3 to 5 days. Relying on this, I authorized the immediate closure of my account. 
XX/XX/year> : I contacted support for a status update. I was assured the request was escalated and being worked on diligently. 
XX/XX/year> : Support promised the funds would be reflected by Monday, XX/XX/XXXX. They sent an email stating : " We want to assure you that we are actively processing your remaining balance... We anticipate this will be completed by Monday next week. '' XX/XX/year> : The funds were not received. When I called, a representative admitted the transfer had not been processed yet and would take another 3-5 business days. This directly contradicted their written confirmation from XX/XX/XXXX. 
Resolution : The transfer was only processed later that day after I threatened legal action due to the risk of losing the home purchase contract. The funds arrived on XX/XX/XXXX, XXXX  days after the initial request. 
Impact & Damages : Currents negligence caused an 11-day delay, forcing me to incur costs to keep the purchase agreement alive. 
Financial Harm ( Total {$570.00} ) : {$510.00} USD in unavoidable late fees charged by the title company due to missing the closing date.

{$60.00} USD in wire transfer fees ( 2 transfers at {$30.00} each ) incurred at a different financial institution. I was forced to make these partial payments from another source while waiting for Current to release my funds to prevent the seller from canceling the contract.

Consumer Harm : The delay placed my family ( including a newborn ) at risk of homelessness. The uncertainty of the transaction caused severe emotional XXXX, sleeplessness, and fear of reputational damage including credit score negative impacts.

I allege that Current engaged in unfair and deceptive acts by misleading me about the status of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-11-27 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: AL

Complaint narrative:
I regularly check my credit report because my credit score is extremely important to me, and I continue to see inaccurate and false information appearing on it. This has been a recurring issue that has not been corrected despite multiple attempts to address it. It has become incredibly XXXX  and exhausting, and these inaccuracies are unfairly harming both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank denied ( XX/XX/year> ) my hardship forbearance request on a new RV loan ( purchased XX/XX/year> - sales contract attached ), claiming " loan too new '' per rep, despite my explanation this was a legal hardship tied to an active lemon-law repurchase with XXXX ( filed XX/XX/year> ) for a defect ( strong chemical odor causing discomfort/symptoms, rendering the RV unusable ; XXXX claim email attached XXXX. 
Cited Dodd-Frank 1036 for good-faith review ; rep unfamiliar with law, escalated to supervisor. 
Supervisor ignored law; claimed " dispute is with manufacturer only. '' Requested written denial ; rep denied. 
Asked to speak to supervisor - supervisor instructed rep to sent me to his voicemail. 
Left detailed voicemail XX/XX/year> for supervisor to reconsider denial, cited Dodd-Frank 1036 for good-faith review ; no callback. 
Called M & T Bank hardship dept. ( XXXX ) back XX/XX/year> ; on hold XXXX XXXX min ; no answer/resolution ( phone screenshot 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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase Bank paid a check that I had placed a stop-payment order on, even though Chase had full notice of check theft.

I previously reported that a batch of my mortgage checks was stolen.

Chase instructed me to placed stop-payment orders on all 12 checks involved.

After that, Chase still cleared two stolen checks, but they reimbursed me because they acknowledged they paid them in error. 

Now, while reviewing my account in XXXX XXXX I discovered another stolen check from the same batch also covered by the stop-payment was paid

by Chase. This is the third time Chase has paid a check they were supposed to block. I contacted Chase, and they told me that because more than six months have passed, they will not reimburse me. However, the 6-month rule does not apply to fraud or stolen checks. Chase had full notice, a police report, and a stop-payment order on all checks. Allowing the check to be paid is bank error, not customer responsibility. I am requesting : A full reimbursement for the stolen check Chase pai
d in XXXX XXXX  A review of their failure to honor the stop-payment order Protection and closure of any accounts associated with the check theft Any corrective action needed to prevent additional loss This ongoing issue has caused severe financial hardship, including needing to borrow money after fraud losses. I followed every instruction Chase gave me, and they failed to properly stop the stolen checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief