vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TN

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this matter.

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 2025-02-24 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: IL

Complaint narrative:
I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Money was taken out of my account through Zelle and I wasnt able to get any refunds. This happen multiple type on different occasions I want to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
Violation of consumer rights. Violaion of multiple USC 's including the Fair Credit Reporting Act, Violation of CFRs, and ignoring Identity Theft Affidavit. According to the Fair Credit Reporting Act, all reports must be uniform and accurate, reporting identical information with each report. This is not the case with my reports. I have attached proof.

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 2025-02-24 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: OK

Complaint narrative:
I have sent in a dispute, and none of the arrows are fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Per 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. 

Account Name : Opportunity Financial has violated my rights. 

I looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX  and noticed things are incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX  ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collectionneed attention :

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 2025-02-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-24 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:
To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate information on my credit report. I have identified certain entries that appear to be incorrect or misleading and request that they be investigated and removed accordingly. Below is a summary of the situation : Description of the Issue : On [ XX/XX/year> ], I reviewed my credit report from your bureau and noticed a discrepancy. Specifically, there is an entry related to Equifax showing [ incorrect amount, late payment, or other error ]. The information provided by this company does not reflect my information it is the wrong consumer.

Actions Taken : On [ XX/XX/year>, I contacted [ Equifax ] directly to resolve the issue. I explained the situation and provided them with the necessary documentation to support my claim.

I requested a correction or removal of the inaccurate entry from my credit report.

Despite my efforts, no action was taken by the company to rectify the situation or update the information on my credit report.

The incorrect entry was recorded on numerous dates Given that this information is incorrect, I kindly request that the company involved be notified to review and remove the false entry from my credit report.

I trust that your office will take the necessary steps to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a push payment fraud of 3 separate transactions one on XX/XX/XXXX of {$50000.00} second {$50000.00} on XX/XX/XXXX and third {$20000.00} XX/XX/XXXX. I authorized a wire transfer but was involved in a scam and want the bank to reimburse me, i was a victim of the scam myself, I acted in good faith, and took reasonable steps to protect myself, while the negligence on the bank 's part in not adequately warning you about potential scams or failing to properly verify the recipient of the wire transfer ; I filed a dispute regarding that matter and they denied the claim regarding me authorizing it 10 business days later. I filled an appeal and they denied it same business day. I need to demonstrate that I was a victim of the scam, not an active participant, and that the bank failed to adequately warn me about potential fraud risks, especially considering the nature of the transaction. Meaning A bank fails to properly investigate a suspicious transaction and allows a fraudulent payment to go through. Without letting me know the potential fraud that may occur when sending wire.

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 2025-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: IN

Complaint narrative:
I missed a payment in XXXX due to my partner getting laid off. I asked for a modification that wouldn't change my interest rate and was treated very poorly on the phone and told to just wait till they got to it ( this was XX/XX/XXXX ). Each month my payment was showing late because I couldn't afford an extra. They sent me 5 modification packets in the months of XXXX and XXXX with each being different. Finally in the first week of XXXX I got a letter stating my modification was approved and my next payment of XXXX was due on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. On my loancare dashboard it showed XXXX was paid ( I thought they deferred it ) and XXXX was due. 7 days later it showed XXXX paid. Now they're saying XXXX is due and XXXX was not paid and my XXXX is " unapplied ''. They are demanding over XXXX which I can not afford. I don't know what's next but each time I give them money it just sits and helps nothing. I don't know where to turn at this point but they shouldn't be allowed to raise my payment XXXX a year, charge whatever fees they want, hold my money, and have no communication.

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 2025-02-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This auto loan is supposed to be in my ex husband 's name as it is stated in the divorce papers from New Mexico. And still hasn't been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid off my credit card and closed the account and even though I paid it off before the statement closing date they are still charging me interest on a XXXX balance even though when I signed up for this credit card I was told if I paid the statement in full I wouldn't be charged interest. I was then told that because I paid the minimum payment until now that that rule doesn't apply to me and that my minimum payment has accumulated interest and if thats the case then they are charging me XXXX percent interest which is more then signed up for. Sounds like a scam to get more money out of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
These are fraudulent account. i have no knowledge of this account and they are not mines. I am a victim of identity theft and did not make any of these transaction. 



XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Highest Balance {$320.00} XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$210.00} OFFICE OF THE ATTY GENER Account Number XXXX Balance {$5600.00} Date Opened XX/XX/XXXX PREFERRED LEASE Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1900.00} XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$530.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1800.00} XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiry XXXX Inquired on XX/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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, two wire transfers were illegally setup and executed from two JP Morgan Chase clients : XXXX XXXX and XXXX XXXX. I do NOT know these clients nor I have ever spoke to them or heard of them. XXXX set up an illegal wire transfer from XXXX XXXX XXXXXXXX on XX/XX/year> and wired {$72000.00} from my checking account. XXXX set up an illegal wire for {$48000.00} from my XXXX XXXXXXXX XXXX savings account. I immediately canceled those two accounts and contacted XXXX XXXX XXXX on the fraudulent wires on the early morning of XX/XX/year>. 

I went to a local JP Morgan Chase office to inquire about these two illegal wires and they said I could not talk to the JP Morgan Chase fraud team about these two illegal wires. 

The wire transaction numbers are XXXX XXXX and XXXX XXXXXXXX according to my XXXX XXXX  XXXX statements. I NEVER initiated these wires nor did I authorize these wires on XX/XX/year>. The two illegal wires are JP Morgan clients and they are involved in fraud from my accounts. 

I would like JP Morgan Chase to return the money to my accounts from these two fraudsters. 

JP Morgan Chase was NOT helpful nor allow us any information on these two fraud incidents and I am out over XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Subject : Complaint against Ally Financial - Improper Vehicle Repossession and Debt Collection Practices Dear CFPB, I am writing to file a complaint against Ally Financial regarding improper vehicle repossession, lack of notification, and unfair debt collection practices. The issues are as follows : Lack of proper notification : Ally Financial repossessed my vehicle without providing proper notice of the repossession or subsequent sale. I was unaware the vehicle had been sold until I researched online a year later. 

Failure to provide documentation : Despite ongoing disputes through all three credit bureaus, Ally has consistently refused to provide documentation supporting the balance they claim I owe. 

Dual debt collection efforts : Ally Financial is directly contacting me about the debt while simultaneously employing a third-party debt collector for the same amount. If you see I have documentation from two different entities requesting payment. I will also provide emails that I receive from Ally Financial separately from this debt collection agency that harass me for payment as well on their behalf. 

Restricted access to information : On XX/XX/XXXX, an Ally representative claimed they only had proof of notices sent on XXXX XXXX and XX/XX/XXXX ( after the vehicle was sold ). The XXXX notice wasn't addressed to me as a co-signer. They would only provide this information via fax but said they mailed them which is a false statement. Also Obstructed information requests : When requesting information about the sale, I was redirected multiple times and ultimately received encrypted, password-protected documents that still fail to prove Ally followed proper legal procedures. 

Ongoing credit reporting issues : Despite my disputes, Ally continues to report this debt to credit bureaus without noting it as disputed. 

These actions appear to violate various consumer protection laws, including the Fair Debt Collection Practices Act and state-specific repossession laws. I request your assistance in investigating these practices and helping to resolve this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation