vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-05 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my [ bureau_name ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: IL

Complaint narrative:
My checks will come late on days it would say it was coming Had trouble with getting money off card also using it at stores for shopping Pay day would be the worst days It actually came when it wanted to Also a slow response talking to chime any time I had and issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IN

Complaint narrative:
In the XXXX  XXXX I was informed via email by XXXX XXXX  that they were going to end their relationship with XXXXXXXX XXXX XXXX XXXX serviced All XXXX XXXX  accounts. I was advised to change my payment method for my XXXXXXXX XXXX XXXX XXXX. I did this in XX/XX/XXXX. I also had a automatic recurring payment set up with XXXX XXXX for any charges that could have been on my account. I never stop this service and was never advised the XXXX XXXX  had stopped the service. In XX/XX/XXXX I saw a late payment show up on my credit report I immediately contacted XXXX XXXX I paid the balance. I was never given reason why I owed the balance or for what it was for. The last bill I received from XXXX XXXX for I believe XX/XX/XXXX showed a XXXX balance. I've never been late on a single bill. XXXX XXXX  has since told me that they only reported to the credit bureaus that my account was paid in full and that the account was closed. No late payments were reported by them. TransUnion is the only credit bureau that still reports a late payment. I have disputed this several times. Train unior refuses to take this off my credit despite XXXX XXXX only showing that the account is paid in full and that is closed. I still don't know how I had an account balance that was owed and how it became late. XXXX XXXX  is not explain this to me. They have only advised that my account shows paid in full and closed. I'm not sure what happened. But the second I saw that they were charges on this account I paid it regardless of whether I owed the money or not. I just want this to be off my credit and behind me thank you

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX made a payment to chase for XXXX $ and canceled the other payment made on different account. The XXXX $ payment was accepted making account current to payment. 
They still tried to process canceled payment of XXXX $ from other account even though it was canceled. Due to them processing canceled payment it was bounced. Today on XX/XX/XXXX found out account was closed. No phone call was made to me about this. They said it was closed and refused to do anything to fix it. Even though the was current on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Good Afternoon, I am disputing an alleged debt related to a previous Amped Fitness membership at their XXXX XXXX XXXX, a membership which was canceled due to me relocating to Arizona in XX/XX/year>, certainly more than XXXX miles from any Amped Fitness facility. Under both the membership agreement and Florida XXXX XXXX ( XXXX XXXX XXXX ), this relocation also provided valid grounds for cancellation. I provided notice of cancellation due to the move, and they have continually refused to halt billing me despite months of attempts to bring the billing to a halt and get them to acknowledge in writing that my membership had been cancelled. I have not used the gym or set foot in the facility for over XXXX months. 

Despite this, XXXX XXXX continued to assert a balance and eventually after I had blocked their transactions through my bank, they ultimately placed the account with Aldous & Associates, a third-party debt collector. Throughout this process, Amped Fitness had called on countless occasions outside of allowable, legal hours ( even prior to XXXX XXXX  XXXX, disrupting sleep - direct TCPA violations ). These calls continued even after several explicit and written no-call requests. 

After weeks of threats to take the account to collections and harm my credit score, XXXX XXXX finally turned to collections even though the debt is disputed and invalid under both state law and the contract. I have sent a written dispute to Aldous & Associates via certified mail as well as emailed them directly, and the matter remains unresolved. 

This situation involves both XXXX XXXX and Aldous & Associates ' failure to provide written validation of debt as required under applicable consumer protection statutes and what I also see now as Fair Credit Reporting Act ( FCRA ) violations I would also highly encourage the reviewing of their XXXX maps reviews, which include countless members that have been billed without authorization and also facing unethical and illegal billing practices and predatory threats with collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint against Ally Financial ( Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$21000.00} ) * * for reporting inaccurate late payments on my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information are required to ensure that all information they provide to credit bureaus is accurate and complete. In this case, XXXX XXXX has reported late payments that I strongly dispute as inaccurate, misleading, and damaging to my credit profile. 

This inaccurate reporting has negatively impacted my creditworthiness, caused me emotional distress, and limited my access to fair credit opportunities. I have the right under the FCRA ( 15 U.S.C. 1681s-2 ) to have inaccurate information corrected or removed promptly.

My Demands : I request a full investigation into XXXX XXXX reporting of late payments. 

I demand that any inaccurate late payment notations be immediately deleted or corrected from my credit file. 

I request written confirmation of the results of this investigation and the actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Formal Complaint to the Consumer Financial Protection Bureau Regarding : Ally Financial Auto Lease Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Ally Financial and their deceptive, unfair, and fraudulent practices in connection with my leased vehicle. My experience demonstrates a pattern of hidden fees, misleading contracts, dishonest customer service, and inaccurate reporting to the credit bureaus.

1. Hidden Fees Ally Financial included charges and fees in my lease agreement that were never disclosed at the time of signing. These charges only appeared after the contract was finalized, making it impossible for me to give informed consent. When I questioned these fees, representatives gave inconsistent explanations, none of which aligned with the written agreement.

2. Fraudulent Contracts The lease documents presented to me at signing were materially different from what I was initially shown and agreed upon. Terms and conditions were either altered or omitted, and Ally Financial refuses to provide clear, complete documentation when requested. This raises serious concerns about contract misrepresentation and consumer fraud.

3. Dishonest Customer Service When attempting to resolve issues, Ally Financials customer service has repeatedly misled me. Representatives have provided false information, contradicted themselves, and failed to follow through on commitments. Instead of resolving legitimate disputes, Ally Financial has engaged in delay tactics and evasive responses designed to prevent accountability.

4. False Credit Reporting Without proper notice or justification, Ally Financial reported negative and inaccurate information about me to the credit bureaus. This has damaged my credit profile and caused financial harm. I have documentation proving that my account was not in delinquent status at the time these reports were made. 


Thank you for your attention to this matter. I am requesting a thorough review of Ally Financials practices and appropriate enforcement action to protect consumers from further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-05 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-05 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I am being repeatedly harassed by Sterling Infosystems , Inc. for a {$500.00} annual fee that was never authorized. Per our service agreement, billing is monthly only, and only for services rendered. 

XXXX  : - XX/XX/year> : I dispute the charge in writing. 
- XX/XX/year> : Sterling ( XXXX XXXX XXXX acknowledges the error and promises a credit. 
- XX/XX/year> : Sterling ( XXXX XXXX ) confirms the credit is pending and places my account on Do Not Contact ( DNC ) status. 
- XX/XX/year> : I receive another invoice threatening interest and additional collection activity, despite the DNC order and prior confirmation.

I have never received any service to justify the charge. There is no clause in the agreement allowing annual fees. Sterling continues automated billing and communications despite knowing the debt is disputed. This behavior constitutes harassment and violates the FDCPA and Florida law.

I request : - Immediate closure of Invoice # XXXX with confirmation of a {$0.00} balance. 
- Written confirmation by Sterling that no further contact or collection activity will occur.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Apple Financing LLC
State: DE

Complaint narrative:
I was trying to transfer money on to my apple pay wallet and it declined it, then automatically locked my account with no reason as to why it did. I called them they told me the exact same thing. They didnt know why it would be locked they didnt see anything wrong with my account and told me they were going to open a case up and within 48 you should see my account unlocked. I said okay and gave it 48 hours and its still locked and i got no emails or calls from apple for any reason its lock. I have money on there i need to access but i cant because apple has been no help so far

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got several phone calls from XXXX. The caller kept saying he is calling from citi bank fraud alert and asked if I had any fraud charges on my citi bank account, while I do not have any citi bank account. I told him I do not have any Citi bank card and I am suspicious of his calls and will report to police, and hung up. He called 4 times more. He had a strong XXXX XXXX  accent and I just did not understand why he called back so many times in repeated attempts, felt very threatened. I tracked the number and it was XXXX  mobile number. Please advise me with further assistance if there is anything I should do to protect my identity. Thank you for your help.

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