vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
My truck payment to Ally auto finance ran my payment through the bank XXXX days early and it was declined due to insufficient funds. The payment was due on XX/XX/XXXX, I got my social security payment on XX/XX/XXXX. I got my Military retirement check on XX/XX/XXXX. They charged me {$450.00}, now they won't except my truck payment from my bank account. I have the money to make the payment in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
{$5200.00} loan about in incorrect and unable to verify. This loan was forgiven and still showed on my credit

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
A debt collection has been added to my credit report that I do not own and never owned, I have disputed it and they wouldnt provide a prove of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to the reports ive made regarding Transunion and other Credit reporting agencies. Your response you sent me back advising that the reporting angencys advise you they are in progress. This matter had been going on since XXXX as i advise. Clearly someone is not investigating or reinvestigating my request. Its being ignored several times I requested and this is a violation. 

So as i explain again, i called Transunion on the dates listed .. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and recently XXXX. I initially called once i seen that XXXX inquiries posted to my report on XX/XX/XXXX that werent authorized by me, their fraud someone was trying to get a car in my name. I called recently the reporting agency to see had they reviewed my documents because NO LETTERS HAD been sent to me, or email notifying me their investigating my dispute. They said they recieved my documents and the information is investigated, so i called later on XXXX and they placed the inquiries i called off to them from what is on my credit report and I was advised i needed to send a ftc report. I then advise i dont have access to the internet and is not mobile. The supervisor XXXX advise me theirs nothing he can do. I called back and talk to XXXX and she forward me to XXXX supervisor i advise her i called and talk to her back on XX/XX/XXXX and she advise me that the inquiries are deleted but since i have other items in dispute on the consumer side i will not be able to see the deletions, i advise her to remove the other items from dispute and please i need to see an update because XXXX trying to purchase a home, she advise it was done. I logged back into my credit report on XXXX at XXXX AM and seeing that no inquiries were deleted in addition old inquiries from XXXX was placed back on my credit report. I called back and spoke with XXXX XXXX XXXX as I was telling her what was happening to my credit report The call got disconnected. I then chat with a representative they place the items that I called off in dispute and advised me that the inquiries that are reporting from XXXX they werent able to file a dispute on those inquiries and here it is XX/XX/XXXX and all of the information remains nor have I received a letter stating that from the Chat representative XXXX, XXXX XXXX XXXX, XXXX, I have not received a letter stating any dispute is being processed investigated on my credit report

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ACCOUNT ON CREDIT WERE FRAUDELANT REPORTED AND INFORMATION WAS INACCURATE AND DEFINITELY NOT TRUE WHATS BEING REPORTED ON MY CREDIT. I DISPUTE THE VALIDITY OF THESE XXXX  AND ASKING ACCORDING TO SECTION 1681i 15US Code 1681

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 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any nformation relating to a consumer to any consumer reportin gency if the person knows or has reasonablecausetobelieve that the information is inaccurate. 

Delete the accounts below : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I have constantly asked for proof of my signature for this debt. company failed to provide any documentation. I am not aware of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since our social security numbers have been breached I have all these inquiries and stuff on my credit report and even I even have collections that don't belong there and all the sudden these credit reporting agencies are denying me when I need a vehicle and I don't even try applied for a vehicle one time and I got five inquiries from XXXX two different dealerships on by the same person anyways I would like my credit report to do right cleaning my credit score to be back to normal that's what I would like seeing how everyone got breached

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Since our social security numbers have been breached I have all these inquiries and stuff on my credit report and even I even have collections that don't belong there and all the sudden these credit reporting agencies are denying me when I need a vehicle and I don't even try applied for a vehicle one time and I got five inquiries from XXXX two different dealerships on by the same person anyways I would like my credit report to do right cleaning my credit score to be back to normal that's what I would like seeing how everyone got breached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
XXXX XXXX XXXX {$50.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX  XXXX {$500.00} XXXX XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-04-06 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: CURO Intermediate Holdings
State: LA

Complaint narrative:
Account listed as opened now closed is not my account! I am unable to identify with and accept ownership of unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Deposited a {$450.00} check drawn on XXXX XXXX XXXXXXXX from a client 's account ; this was on XX/XX/year>. XXXX immediately put a hold on the check. I called to have it released as this person is someone I transact regularly with via XXXX and in person ; I know the check is good. Chase refused to release but gave no reasoning beyond " it's our policy to hold mobile deposit checks for 14 days. '' This is a lie ; I have previously deposited checks via mobile deposit for greater amounts and they have been held for no more than XXXX business days. 

On XXXX I called to request release again, and again i was refused by XXXX. They recommended visiting a branch but assured me the hold would be for no longer than XXXX business days ( when previously they said XXXX business days. ) I visited the branch on XXXX and after speaking with a branch XXXX, I was refused once more. Now the hold had increased to XXXX business days apropos of nothing. 

I called XXXX once more on XXXX and after a XXXX minute wait on hold, spoke with an agent who once again recited a script at me and restated XXXX business days. The need for these funds to be available was now emergent, as I had utilities threatening to cut off and I have no food in the house. I escalated the call to a supervisor who put me on hold for XXXX minutes, then announced she would not release the hold and without any further explanation, hung up the call in my face. XXXX then conveniently closed business for the day so i could not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A claim was filed for Auto Rental Coverage ( ARC ) after a rental vehicle was damaged by a third party. The rental was initiated with a Chase credit card, and the rental companys insurance was declined, per Chases instructions. Despite following all necessary steps to activate the ARC benefit, Chase denied the claim, citing that the final bill was not charged to the card. Both XXXX and XXXX have refused to cover the damage, leaving the complainant responsible for the {$960.00} charge. The complainant seeks Chase to honor the ARC benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As of XXXX Ive called a point of contact name XXXX XXXX XXXX she states that in order to save my home i must send her {$4300.00} then pay the mortgage {$320.00} x 's 3 times in one month each month equal up to {$900.00} and some change each and every month for 12 months.

Ive never heard of such repayment plan when you have valid proof of a Class Action Lawsuit FOR MISSING PAYMENTS AND XXXX REFUSED TO TAKE ANY PAYMENTS WHILE FIXING THE PREVIOUS ISSUE OF MISSING PAYMENTS. 

I FEEL LIKE ITS MORTGAGE EXTORTION, MORTGAGE LOAN FRAUD.

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 2025-04-06 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am reporting serious issues regarding inaccurate and potentially fraudulent information on my credit reports with TransUnion, Experian, and Equifax. I am in the process of completing an FTC Identity Theft Report and have also placed fraud alerts on my credit files. 

Upon reviewing my recent 3-bureau credit report from XXXX, I discovered multiple accounts and inquiries I did not authorize, many of which are reported as delinquent, charged off, or in collections. 
These items are significantly impacting my credit standing and are not consistent with my personal financial activity. 

Negative Items Identified ( Partial List ) : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - {$720.00} - In collection status with all three bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$910.00} - Listed on Experian and Equilax as past aue. 
XXXX XXXX XXXX XXXX XXXX XXXX- {$1100.00}- Collection status. XXXX XXXX Accounts ( Multiple ) - Charge-offs with balances of {$63.00}, {$170.00}, {$250.00}, {$170.00} - Reported as past due 90+ days on XXXX XXXX XXXX XXXX Reported as 120 days late before returning to current status. 
XXXX - Charged off as bad debt- XXXX XXXX XXXX  XXXX Multiple past due notations ( 30, 60 days ) even though accounts now show closed. 
XXXX XXXX XXXX XXXX XXXX  - Several accounts with hist-ry of 30-90 day late XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Various charge-offs, late payments, or closures while past due. 

Indicators Found in Report Wording ( Red Flags ) : " Charge-off '' " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' " XXXX '' " Collection services '' / " Collection Chargeoff '' " Delinquent '' " Derogatory '' " Past Due Amount '' " Paid, was past due 30 days / 90 days '' " Repossession Foreclosure '' " Late '' ( 30/60/90/120 days ) " Current, was past due 120* Fraud & Identity Theft Alerts : TransUnion : EFCRA Extended Fraud Alert active Experian : ID Fraud Victim Alert - " Do not extend credit without first contacting me at 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