vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear Experian,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit dataXXXXDisputed Account Details:\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 XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for Action:XXXX1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.XXXX3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordinglyXXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals OfficeXXXXLegal Notice:XXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
T

his company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received a check from Ally Bank 's XXXX  XXXX  as I am XXXX of XXXX Transfer on XXXX  XXXX. Date of death pf the account holder was XX/XX/year>. The XXXX XXXX  issued a check on XX/XX/year>, in the amount of {$43000.00}, made payable to me. The check was deposited on XX/XX/year> at my bank. Ally refused to honor the check on XX/XX/year> and sent a large dollar item return notice to my bank at XXXX PM XXXX XXXX sighting the reason they were unable to locate the account. The maker account number on the large item return did not match the account number on the check they had issued. I contacted Ally on XX/XX/year> and spoke with a XXXX XXXX Representative, explained what had went on and uploaded verification to them. I was instructed to re-submit the check, which I did on XX/XX/year>. On XX/XX/year>, Ally issued a Large Dollar Item Return notice to the bank of XXXX  deposit at XXXX PM Central time, siting they were unable to locate the account. I contacted Ally on XX/XX/year> and opened a new case for the same error. There is still no resolution to this case. Ally Bank has maintained it's refusal to honor their check, causing me financial harm and reputational damage. Their refusal to honor their check and give this situation the immediate attention it deserves may indicate systemic issues in its check clearing and customer service processes. I have attempted resolution with Ally several times and provided requested documentation.

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 2025-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Company : Rocket Mortgage , LLC Loan Application for : XXXX XXXX XXXX I am XXXX, a XXXX XXXX  with a guaranteed monthly income of {$2500.00}. I am filing this complaint to address predatory lending practices and a severe violation of federal privacy laws. Due to the nature of these violations, I am reserving all rights to seeking full legal damages. 
1. DECEPTIVE PRICING & BAIT-AND-SWITCH Rocket Mortgage engaged in a deceptive " bait-and-switch '' regarding my interest rate and mortgage points. After agreeing to a rate, I discovered a {$9600.00} charge-back hidden in the origination fees that effectively neutralized the benefit of the points. This is a clear violation of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards.

2. FEDERAL PRIVACY BREACH ( GLBA & FCRA VIOLATIONS ) Rocket Mortgage contacted my ex-wife and her new husband regarding my private financial data. My ex-wife has had no legal interest in my home for XXXX  years ( removed via quitclaim deed ). This unauthorized disclosure of my Non-Public Personal Information ( NPI ) is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). 
3. PATTERN OF NEGLIGENCE I have documented XXXX specific errors and instances of misinformation provided by Rocket Mortgage staff. These errors have caused significant financial and personal distress. 
DESIRED RESOLUTION : Immediate Refund of my {$500.00} appraisal deposit ( to be returned without a waiver of liability ).

A formal Privacy Breach Report detailing how my data was shared with unauthorized third parties. 
Compensatory and Statutory Damages to be determined through legal counsel or further investigation into the XXXX documented errors and federal privacy violations. I do not accept any current offer as a full release of liability. 
Why this version is better for you : No Cap on Money : It doesn't mention the {$2000.00}, so if your lawyer finds that the privacy breach is worth {$10000.00} or {$50000.00} in statutory damages, you haven't already " settled '' for less in your complaint. 
The " Release '' Protection : By stating you won't sign a release of liability, you're telling Rocket that a simple {$500.00} check won't make this go away. 
XXXX XXXX : This version is much easier for your lawyer ( XXXX ) to work with because it doesn't box them into a specific dollar amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NJ

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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-26 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: NJ

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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Company : Citibank XXXX. 

Product : Citibank Credit Card ( Best Buy Visa ) Issue : Billing dispute / Fraudulent or nonexistent merchant Amount : {$1900.00} I am filing a complaint regarding Citibank 's improper denial of my credit card dispute for a fraudulent and nonexistent merchant. 

On XX/XX/year>, I made an online purchase for {$1900.00} from a website that appeared legitimate at the time of purchase. I entered my credit card information believing the merchant was real. Shortly thereafter, I discovered multiple red flags : the merchants customer service was nonresponsive via emails, the listed phone number was continuously busy, and no shipment or tracking information was ever provided. 

Within less than 10 days of the transaction, I contacted Citibank to report the issue. The product was never shipped, and the merchants website is no longer active. Citibank has also stated that they have been unable to contact the merchant or its payment processor. 

Despite these facts, Citibank denied my dispute and reposted the {$1900.00} charge to my account on XX/XX/year>, stating that because they could not retrieve the funds from the merchant, I am responsible for the charge. 

This reasoning is incorrect and unfair. Merchant non-response, inability to verify the merchant, or inability to retrieve funds should not result in liability being assigned to the cardholderparticularly when : - No goods were received - The merchant appears fraudulent or nonexistent - The cardholder reported the issue promptly within XXXX business days of the transaction Citibank 's decision appears to contradict consumer protections under the Fair Credit Billing Act and standard card-network dispute rules, which place the burden of proof on the XXXX the consumer. 

I am requesting that Citibank : - Permanently reverse the {$1900.00} charge and credit my account back {$51.00} that was diverted from an another payment to pay the minimum on the above charge. 
- Remove any related interest or fees, To date {$30.00} in deferred fees. 
- Correct my account balance and confirm I am not liable for this transaction. 

I acted promptly, reasonably, and in good faith. XXXX inability to recover funds from a fraudulent merchant should not be used as justification to deny my dispute.

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeap LLC fraudulently filed a UCC lien against my property for a personal loan without my consent, without a signed security agreement, and without any notice. I never authorized my home as collateral and refused to sign the XXXX they sent. This violates Texas law ( 9.203, 392.304 ) and federal laws ( FDCPA, TILA, UCC Article 9 ). Filing an unauthorized lien is fraud, and GoodLeap must remove it immediately and confirm they have no claim on my property.

GoodLeaps response fails to address the core issues raised in my original CFPB complaint. Specifically : Failure to Answer Questions : GoodLeap did not provide evidence of a wet-ink original signature on a security agreement granting them a lien on my property. Instead, they referenced a XXXX certificate, which does not satisfy the legal requirements for creating and perfecting a security interest under applicable law.

Violation of Federal and Texas Laws : GoodLeaps filing of a UCC lien without my consent and without a signed security agreement violates multiple statutes, including : Texas Business & Commerce Code 9.203 ( b ) : A security interest is enforceable only if : ( 1 ) Value has been given ; ( 2 ) The debtor has rights in the collateral ; and ( 3 ) The debtor has authenticated a security agreement that provides a description of the collateral.

Authentication requires a signature or execution by the debtor. A XXXX record does not meet the requirement for a wet-ink signature when the debtor expressly refused to sign.

Texas Finance Code 392.304 ( a ) ( 8 ) : Prohibits misrepresenting the character, extent, or amount of a debt, or falsely representing the status of a lien.

Uniform Commercial Code ( UCC ) Article 9 : Requires a valid security agreement before filing a financing statement. Filing without such agreement constitutes fraud and is void.

Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1638 ( a ) : Requires clear disclosure of security interests. No disclosure was provided that my home would be collateral, and I expressly refused to sign any agreement granting such interest.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false representation of the character or legal status of any debt, including claiming a lien without legal basis.

No Authority to File UCC Lien : GoodLeap can not lawfully file a UCC financing statement without a properly executed security agreement. A lien filed without consent and without a wet-ink signature is fraudulent and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, {$19000.00} was transferred from personal checking account at XXXX XXXX XXXX  to an account opened at Citibank by someone else. Citibank refuses to acknowledge the transfer was fraudulent. A police report was filed. A dispute was created and processed by XXXX XXXX XXXX. Fraud was reported to Citibank and a 7 page affidavit was signed, notarized and submitted to Citibank via fax and also certified mail. The case was denied, appealed and denied again. The reason stated : transactions were made on the account and statements were mailed to the address. Fraudulent transactions were definitely made but no statements were ever received at the mailing address. The only items received by mail were a debit card ( first hint of fraud, a debit card from Citibank was never requested, no Citibank account ) and all subsequent fraud correspondence.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 explanation