vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a new complaint because Ally Financials previous response contained serious inaccuracies and does not address the core issue : I never received ANY legally required repossession, sale, redemption, or post-sale notices because Ally mailed everything to an OLD address in Florida, despite having my correct, updated address in Georgia before the sale occurred. 
Key Facts : My vehicle ( XXXX XXXX XXXX, XXXX ending XXXX ) was repossessed on XX/XX/year> in Georgia. 
On XX/XX/year>, the day after the repossession, I updated my address with Ally to my current Georgia address, which is where I receive ALL mail. 
Despite this, Ally mailed all sale notices, right-to-redeem notices, and deficiency-related documents to an old address in XXXX XXXXXXXX XXXX  where I have not lived for years. 
I did not receive : Notice of Right to Cure Notice of Intent to Sell Redemption Amount Sale Date Information Post-Sale Notice ( required under UCC Article 9 ) The only document I received ( from the XXXX agent, NOT Ally ) was the Notice of Seizuresent to my correct Georgia address. This proves Ally had access to my current address. 
Allys response contains no proof of proper mailing, no proof of delivery, no USPS tracking, and no indication that notices were sent to my updated address or that I had any opportunity to redeem the vehicle. 
Under XXXX Article XXXX and state law, lenders are required to send notices to the debtors last known address, which was my Georgia address at the time of the sale. 
The sale of my vehicle took place after I updated my address, yet Ally made no effort to correct or resend any notices to my current address. 
Because I received no pre-sale or post-sale notice, I had XXXX opportunity to redeem the vehicle or understand my rights. 
Request for CFPB Action : Investigate Allys failure to send notices to my correct address. 
Require Ally to provide proof of proper mailing and delivery ( USPS receipts, tracking, logs ). 
Review Allys sale of my vehicle for compliance with UCC Article 9 notice requirements.

Determine whether Ally forfeited its right to collect any deficiency due to improper notice.

Require Ally to correct their inaccurate response in my previous complaint. 
I am seeking a fair review of this situation. I was denied my legal rights because notices were sent to the wrong state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute several items that appear on my XXXX  Consumer Report. I do not recognize the following accounts in question. I am a victim of identity theft, and these accounts were opened and reported without my knowledge, authorization, or consent. Because these entries are fraudulent, I am requesting that they be deleted from my ChexSystems report immediately. 
Fraudulent Account ( s ) Reported : Source : XXXX XXXX  Routing Number : XXXX Account Number : XXXX Date of Closure : XX/XX/XXXX Charge Off Amount : {$21000.00} Status : Unpaid Reported As : Account Abuse Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am requesting immediate reinvestigation and deletion of all fraudulent information under the following sections : FCRA 602 ( A ) : Consumer reports must be fair and accurate.

FCRA 611 ( A ) : Unverified or inaccurate information must be corrected or deleted.

FCRA 605B : Identity-theft-related information must be blocked upon notification.

Accordingly, I request the following : 1. Immediate deletion of all fraudulent accounts appearing on my XXXX  file ; XXXX. Notification to any institutions that previously accessed or relied on the inaccurate information. 
I affirm under penalty of perjury that I am a victim of identity theft, and the accounts listed do not belong to me. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was approached in person by an individual claiming to be a legitimate ticket seller for. They directed me to a website that appeared official and instructed me to send a XXXX payment from my PNC account in the amount of {$840.00}. Believing the transaction to be legitimate, I sent the payment. 

Afterward, I discovered the website and seller were fraudulent. I immediately contacted PNC to dispute the transaction. PNC denied my dispute, stating the payment was authorized and citing the XXXX agreement, which advises sending money only to people you know and trust. PNC refused to reopen the claim or escalate it, repeatedly stating that the dispute will remain denied, that they can not reopen the claim because it was a XXXX transfer, and that they have XXXX responsibility for the transaction. 

I have requested PNC provide a written explanation, the reason codes for the denial, and contact information for executive-level escalation, but they have not provided this. I am in contact with the individual who misled me solely to preserve evidence for the investigation ; no further payments have been or will be sent. 

This transaction was fraudulently induced. My intent was to purchase legitimate tickets, not to send money to a scammer. Regulation E requires banks to investigate unauthorized or fraudulently induced electronic fund transfers, including those sent via third-party platforms like XXXX. PNCs refusal to reconsider or escalate the dispute conflicts with federal regulations. 

Resolution requested : A full reinvestigation of the fraudulent transfer.

Review by PNCs executive-level complaint team. 

Written explanation of the denial, including the specific reason codes and regulatory justification. 

Reimbursement of the funds lost to fraud. 

I have made multiple attempts to resolve this directly with PNC and requested information and escalation contacts, all of which were denied or ignored. I am submitting this complaint to request CFPB assistance in obtaining a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-11-25 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to know if my dispute for wire transfer dated XXXX for {$140.00} was cancelled for dispute case number XXXX and confirmation number is I forgot it but you can check on my account checking number is XXXX and make sure it is cancelled if it is not cancelled please cancel it and send me proof it was cancel by email XXXX and upload proof on cfbp and send me a confirmation cancellation letter by mail XXXX XXXX XXXX XXXX XXXX XXXX etc.

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 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
I am filing this complaint because TransUnion has reinserted a fraudulent debt on my credit report that had previously been deleted due to identity theft. The debt was reported by Spring Oaks Capital, a company that has repeatedly attempted to collect a debt that does not belong to me. 

This situation has caused me severe distress, and I am asking the CFPB to investigate XXXX conduct and the actions of the furnisher.I previously filed an identity theft report and disputed a fraudulent account that appeared on my TransUnion credit file. 

TransUnion completed that dispute and removed the account. 

Recently, TransUnion reinserted the same fraudulent debt, without notifying me within XXXX business days as required under FCRA 611 ( a ) ( 5 ) ( B ).

Spring Oaks Capital continues attempting to collect this debt and has been contacting me in a manner that feels harassing and coercive.

I have repeatedly informed Spring Oaks Capital that the debt is not mine and is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I contacted the department of education to receive information as to why Nel-net loans were on my credit that tanked my credit by XXXX points. I was told I was a cosigner for my brother while my mother received the loan in her name. Although, all the information that was provided for the loan was incorrect such as addresses considering that my mother and I lived together all our lives they refused to fix the mistake. My mother came up with the solution to consolidate the loans which made her first payment to be XX/XX/year> and It hit my credit as all XXXX of the Nelnet loans were closed until recently on Friday XX/XX/year> I noticed that XXXX of the Nel net accounts reopened as delinquent accounts. They added it back to my credit despite my mom consolidating the loans. I also today on XX/XX/year> received another alert that I apparently missed another payment with the fraudulent delinquent account and my credit will be impacted. At this point my credit dropped a total of an additional XXXX points making it way over XXXX points lost in a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
I am filing this CFPB complaint against RentDebt Automated Collection ( RDAC ) because they are attempting to collect and report a debt that has not been properly validated under federal law ( FDCPA 15 U.S.C. 1692g, Regulation F 12 CFR 1006.34 ) and violates multiple New Jersey consumer protection statutes, including : New Jersey Consumer Fraud Act ( N.J.S.A. XXXX et seq. ) New Jersey XXXX XXXX XXXX XXXX ( N.J.S.A. 17:11C-1 et seq. ) I formally disputed the alleged debt and requested full validation. RDAC failed to provide the legally required documentation and continues collection efforts and credit reporting without proper verification.

RentDebt Automated Collection has not provided : * The original creditors full information * The current owner of the debt * A signed contract or legally compliant electronic agreement * Terms and conditions allegedly binding me * A complete * * itemized accounting * * ( principal, interest, fees, credits ) * Full chain of assignment, including bills of sale and schedules listing my account * The * * purchase or forward flow agreements * * proving my specific account was included * Account statements * * from inception to charge-off * Proof of last payment * * and accurate statute of limitations timeline * Proof oXXXX XXXX XXXX licensing * * required to legally collect in the state * Evidence they complied with * * FDCPA XXXX notice requirements * * * Regulation Fcompliant initial disclosure * * * Proof no robo-signed documents were used * * * Third-party validation * * from the original creditor, not internal RDAC records * Credit reporting data accuracy * *, including dates and furnished amounts * Proof I ever received goods/services for the alleged debt * Any * * audio/video recordings * * they claim to rely on Because RDAC continues to pursue this debt without satisfying mandatory validation requirements, their actions appear deceptive, unsupported, and unlawful. This directly violates : * FDCPA 807, 809 * Regulation F 1006.34 * FCRA 623 ( a ) ( 3 ) * N.J.S.A. 56:8-2 ( Unlawful practicesdeception ) * N.J.S.A. 17:11C ( Licensing violations ) Continued collection and credit reporting without proper validation is causing financial harm, emotional distress, credit damage, and ongoing inconvenience

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am submitting a dispute regarding the following accounts. I request a thorough investigation of these items and their resolution under the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Charged-Off Accounts : No charged-off accounts listed for EX. 

Inquiries : XXXX Inquiry Date : XX/XX/year> Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to inform you that I have recently moved, and as a result, my address has changed. The address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is incorrectly listed on my credit report. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and this is the address that should be reflected in your system. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), I am entitled to have accurate and complete information reported. I kindly request that you update my address in your records to ensure that my credit report reflects only accurate and up-to-date information, in compliance with 15 U.S.C. 1681i ( a ). I appreciate your prompt attention to this matter and request confirmation once the update has been made as required by 15 U.S.C.1681c-2 for the accurate reporting of personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX 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 2025-11-25 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-11-25 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: GA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief