vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am writing to formally raise a complaint regarding my account with Ally bank that is being repeatedly locked out, causing significant inconvenience. Each time this occurs, I have to contact customer service multiple times and endure long wait times before my access is restored. Unfortunately, despite my repeated efforts, the issue remains unresolved. As of today XX/XX/year>, my account is locked again, and I am unable to log in. I have already reached out to customer service, but I am yet to receive a timely resolution. Having to wait for days to regain access is unacceptable, especially given the repeated nature of this issue. 

I request immediate assistance in unlocking my account and a permanent resolution to prevent this from happening in the future. Please escalate this matter to the appropriate department and provide a response at your earliest convenience. 

Looking forward to a prompt resolution.

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 2025-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
DEBT WAS SOLD TO VELOCITY INVESTMENTS LLC AND SETTLED WITH XXXX XXXX ( XXXX ), SETTLEMENT AMOUNT HAS BEEN COMPLETELY PAID OFF ON XX/XX/year>. 

I AM REQUESTING FOR THIS ACCOUNT TO BE TAKEN OFF MY CREDIT REPORT FOR ALL BUREAUS REF # : XXXX XXXX # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My information was provided to a 3rd party company to collect but I have no documentation with them stating I am to pay a 3rd party company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, I received a {$500.00} American Express Gift Card. After attemping to use the card at XXXX and XXXX, the card is consistently declined. I contacted the merchant and was informed due to security protocols online there is no way to match my address to the card and therefore the card will decline at all vendors. If that is the case, then this company should no longer sell/market what is an unusuable product. XXXX now has charged the card {$0.00} even for the decline. What is the purpose of this card? Company will not issue a refund. This is a known problem based on other 's reviews.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I applied for a used auto loan and was discriminated against by Navy Federal even after exercising my rights in good faith. it was XX/XX/year> when I applied and got denied even with a good credit score, after I responded to Navy Federal with this law 15 USC 1611, meaning, regardless for the reason for denial which is misleading and false information I still have the right to access my unlimited credit without discrimination or denial. I even asked Navy Federal to retract my application if my credit request could not be approved and Navy Federal stated that they could not retract my application and would not reopen my submission for extension of my own unlimited credit, denying me of my rights to credit which is fraud! They even went as far as stating that they would not be responding back to my concerns neglecting me, withholding my credit, and discriminatory purposes and violating my rights altogether!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XX/XX/XXXX my friend sent me {$5.00} on Cash App. I have a new, unverified account. I have been the victim of identity theft before and so don't feel comfortable delving that far into giving up my personal info so I like to try an app out first, see what they're about. Cash app provides an unverified account which coincides with my current security standards. You can send and receive money with attendant limitations, which I am okay with ; without having to verify. The XXXX dollars sent to me in no way meets any type of threshold limits. Well, before I could deposit it Cash app tells me I have to verify my identity before I can accept the payment. I went to support to explain that I have an unverified account and according to their own policies spelled out in the user agreement which the company and myself not agreed to stipulates that I don't have to. They continue in my opinion to bully me into providing information that I don't want to provide or shouldn't be providing with the product I'm using. I let them know this and they disregarded everything I had to say. I explained I felt this was abusive and discriminatory. I asked for an escalation. I was then contacted by a manager within the company and they explain the same thing. I asked was their some internal rubric being used that I as the consumer was not aware of, that is not listed in the user agreements. He kept repeating the platform 's position. I asked for another escalation and contact information for any individual in the legal dept. He replied with the same stock answers and basically left it as such. I have exchanged 12 emails with this manager over the course of five days from the XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and TD Auto Finance in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization. 

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its EIN. However, XXXX XXXX XXXX and TD Auto Finance submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
2. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity. 
3. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability. 

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and TD Auto Finance. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IA

Complaint narrative:
I had contacted Experian back in XXXX of XXXX  and reported incorrect information on my report at that time they stated that it would be filed and removed within 24 hours till this day it is still showing on my report and now new information that does not belong to me is on there

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 2025-02-19 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: OH

Complaint narrative:
please check the information concerning my Experian fraudulent accounts caused by the XXXX  data breach below in attachments

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 2025-02-19 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: WA

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 explanation
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Dear Trans Union Supervisor Dept, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 


FTC Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the following accounts and collections, as I have no knowledge of them. 

XXXX XXXX I've had several accounts from this company, but this particular account does not belong to me. I am requesting its removal from my credit report, as I have never been late on any payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 



Thank you for addressing these concerns. 

Sincerely 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 2025-02-19 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: NY

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 non-monetary relief
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously notified Experian of unauthorized inquiries on my credit report and submitted an FTC Identity Theft Report as supporting evidence. However, Experian responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. 

Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXX XXXX XXXXXXXX, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. 

Given Experians failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address a serious issue with my credit report. It has come to my attention that an account listed on my file was opened using unauthorized and fraudulent use of my identity. I want to make it very clear that I did not authorize this account, nor do I have any association with it in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$180.00} XXXX and Associates Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> I ADDED 2 PAYMENTS of {$20000.00}, {$25000.00} The payments was taken from my XXXX XXXX XXXX  account that I authorized I got a email saying my funds is on the way. I confirmed this with XXXX XXXX. THE NEXT DAY AROUND XXXX my affirm account has been frozen for no reason and they are saying that they think my affirm account is compromised I received a email saying to call them at XXXX I spoke with a gentlemen by the name of XXXX he gave me a case id # XXXX and transfer me to his supervisor named XXXX XXXX She said she will try to help me I need to wait 3-5 business days but I notified her that Im making a report with the CFPB XXXX XXXXXXXX XXXX and dont want to get taken advantage of for my funds by these companies they are freezing my money for no reason can you guys please look into this its really stressing me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-02-19 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: IL

Complaint narrative:
There are late payments and collections on all 3 credit reports I have never been late on payments

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 2025-02-19 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-02-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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