vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is a follow-up and escalation of my previous CFPB complaint regarding Ally Auto ( Complaint # XXXX ) due to unresolved issues and new retaliatory actions by the company. 

I entered into a Catch-Up Payment Plan ( CUPP ) with Ally Auto in XX/XX/year> after falling behind on several payments. I made the first required XXXX payment of {$620.00} on XX/XX/XXXX, in full and on time. However, on XX/XX/XXXX, Ally Auto processed an unauthorized additional payment of {$510.00} via autopay despite the XXXX being active. 

I was never informed that autopay would remain enabled, nor was I instructed to disable it manually. There was no warning that payments outside the XXXX would continue, and I had no system access to disable autopay during the plan. Ally representatives have since acknowledged that this charge was not part of the XXXX yet continue to treat it as if I agreed to pay more than scheduled. 

When I repeatedly requested documentation explaining the terms of the XXXX and how my payments were applied, Ally could not provide it. I was told by multiple customer service and collections representatives that they had no access to the XXXX documentation. I was transferred multiple times, given contradictory answers, or disconnected entirely when I asked for clarification. 

The unauthorized {$510.00} charge placed extreme financial strain on me. I disputed it with my bank and received a temporary credit. Shortly after, Ally unilaterally canceled my XXXX, falsely claiming that I had requested the cancellation. I did not. This action appears retaliatory and undermines my ability to stay current despite making good-faith efforts to comply. 

At the time of cancellation, my past due amount was approximately {$760.00} and my loan balance was under {$20000.00}. After the cancellation, Ally increased the past due amount to over {$1400.00}, and the loan balance also increased without clear explanation. 

This experience has caused significant emotional distress and financial harm. I am being penalized due to Allys internal mismanagement and lack of transparency, not due to any missed obligations on my part during the XXXX. 

I have saved full documentation, including chat transcripts, screenshots, emails, and bank records. These clearly show that : I did not cancel the XXXX, The {$510.00} overpayment was caused by Allys failure to disable autopay, and Ally has failed to provide any formal documentation justifying the current balance or the XXXX terms. 

I entered the agreement in good faith and fulfilled my obligations. Ally should be required to do the same. 

Relevant documentation is attached, including chat transcripts, screenshots of the missing XXXX agreement, autopay lockout, bank dispute confirmation, and evidence of balance inconsistencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My business was placed on the XXXX list by PNC Bank ( through XXXX ) without any formal notice or evidence provided. I was fined {$620.00} by XXXX due to listing XXXX  on my XXXX store, even though no transaction was processed. XXXX shut down my payment XXXX and made my store invisible on their sales channel, and I was told XXXX and PNC Bank were responsible for placing me on XXXX However, I was never told I was using XXXX or PNC Bank, and I had no way to understand that I had to comply with their prohibited items list especially since XXXX 's own Terms of Service do not mention XXXX. 

Despite repeated requests, XXXX has refused to provide documentation of the violation, reports from XXXX, or any way to appeal. As a small business owner, this has destroyed my ability to process payments, and I have been declined by other processors due to the XXXX listing all for something I was never warned about. 

I am requesting an investigation into this fine, the XXXX placement, and the lack of due process, transparency, and fair warning by all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a billing and credit reporting issue with XXXX. 

On XX/XX/XXXX, I initiated a switch from XXXX XXXX XXXX XXXX XXXX XXXX Prior to switching, I had multiple phone calls with XXXX to notify them of my intent to close my account. I also have text messages from XXXX confirming that my account was closed, including date-stamped proof from XX/XX/XXXX. 

Despite this, I did not receive any final bill or notice of balance due until XXXX or XX/XX/XXXX, at which poinXXXX XXXX claimed I owed a balance for service dating from XXXX through XXXX XXXX even though my account had already been closed. 

Additionally, my XXXX account was on Auto Pay the entire time. If the account was still active as they now claim, why were no charges withdrawn from my account during those months? 

I also called XXXX again to dispute the charges and explained the situation, offering to provide proof of the account closure via text message and requesting that they review call records. The representative I spoke with claimed she could not access this information which raises serious concerns and then rudely ended the call, saying she would not help further and that the balance would not be sent to collections. Despite this, the account was sent to collections and has resulted in a serious negative mark on my credit report. 

This situation has caused unnecessary damage to my credit profile and emotional distress due to the negligence and miscommunication on XXXX part

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 2025-08-05 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 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: NY

Complaint narrative:
i have sent a number of disputes pertaining to fraudulent and unauthorized accounts reporting inaccurately on my credit profile. I sent out disputes on XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent account i am referencing consist of the following : XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX | XXXX : XXXX : Account number : XXXX XXXX XXXX, XXXX XXXX | XXXX : Inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX | XXXX : Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX XXXX | XXXX : Inaccurate.

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 2025-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
UPON MY REVIEWING MY EXPERIAN.COM ACCOUNT I NOTICED MULTIPLE ACCOUNTS OPENED IN MY NAME THAT WERE OPENED FRADULENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, I hired XXXX XXXX for a {$2600.00} book publishing and marketing service. This payment was made through Chime. I was promised professional editing, formatting, and promotional support. Over the following weeks, I received poor communication, unprofessional drafts, and delays. I formally terminated the contract on XX/XX/XXXX, citing breach of agreement, and requested a refund. 

Instead of resolving the issue, the company continued to contact me after I asked them to stop and claimed they had proof of approvals, but never provided the requested documentation to support those claims. I have filed disputes through Chime, the FTC, and the XXXX 

Im requesting a full refund of {$2600.00}. I am also reporting this to protect other consumers from similar harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Receivables Management Systems ( RMS ) and XXXX XXXX XXXX because they are attempting to collect and report a debt that has not been properly validated. RMS recently sent me documents after my debt validation request. However, the information provided is incomplete and does not prove that I legally owe this debt or that they have the right to report it to the credit bureaus. 

The documentation included a policy statement from XXXX XXXX XXXX but it does not show a full accounting of how a balance of {$220.00} was calculated. It does not include signed documents clearly agreeing to collections, proof of cancellation notices, or a full billing history. Under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g debt collectors must provide proper validation of a debt before continuing collection activity. RMS has not met this requirement.

Furthermore, reporting this debt to the credit bureaus without sufficient documentation is a violation of the Fair Credit Reporting Act FCRA 15 USC 1681i and 1681e which require accurate and verifiable reporting. I never authorized or consented for my personal information to be shared with RMS for collection purposes. If such authorization exists they must produce a signed copy showing my agreement to have this account handled by a third party and reported negatively on my credit. 

The continued collection efforts and threats to my credit have caused me emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I requested the creditor and credit reporting agency to provide validation and verification of the debt in accordance with the FDCPA, 15 USC 1692. No Response. 

XXXX XXXX XXXX -- Account # : XXXX XXXX XXXX XXXX - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I requested the creditor and credit reporting agency to provide validation and verification of the debt in accordance with the FDCPA, 15 USC 1692. No Response. 

XXXX XXXX XXXX -- Account # : XXXX XXXX XXXX XXXX - Account # : 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 2025-08-05 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: CA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXXXXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I deposited a payroll check on XX/XX/2025 for XXXX {$180.00} of which was placed on hold because of a temporary overdraft at some point in the last 90 days, this was a payroll check that I've deposited once a month for several months without issue and funds were available immediately I called on XX/XX/2025 to find out this information, then today XX/XX/2025 I called again to have the hold lifted so that I could attend a virtual healthcare appointment that funds were denied for. They denied me the funds and access to healthcare

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 2025-08-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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