vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am reporting multiple unauthorized hard inquiries that appeared on my credit report. I did not apply for or authorize any new credit applications during this period. These inquiries are fraudulent and are damaging my credit score. I have disputed these directly with the credit bureau and am requesting CFPD oversight to ensure they are permanently removed. 

Ally Financial - XX/XX/scrub>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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NC

Complaint narrative:
Consumer Statement Regarding Failure to Comply with 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) and Related Federal Laws On XX/XX/year>, I submitted an Identity Theft Declaration and all required supporting documentation to the national credit reporting agencies ( Experian, TransUnion, and Equifax ) in accordance with 15 U.S.C. 1681c-2 ( FCRA 605B ).

My submission included : A valid government-issued photo ID ; Social Security documentation ; Proof of current address ; A copy of my credit report highlighting the fraudulent accounts. 

Despite receiving complete documentation, each bureau has failed to block or delete the disputed accounts within four ( 4 ) business days as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ).

The following collection and charge-off accounts remain on my credit reports, continuing to cause harm and violate my federal rights : 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 Under 15 U.S.C. 6801, each credit bureau and furnisher is legally required to protect the confidentiality, accuracy, and integrity of consumer financial information. Their ongoing reporting of accounts identified as fraudulent constitutes : Willful non-compliance under 15 U.S.C. 1681n, and/or Negligent non-compliance under 15 U.S.C. 1681o.

I have already submitted follow-up deletion demand letters to each bureau demanding immediate removal of these accounts and written confirmation within five ( 5 ) calendar days.

At this time, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate each credit bureaus failure to comply with 15 U.S.C. 1681c-2 ; Enforce deletion and permanent blocking of the fraudulent accounts listed above ; and Require written confirmation and updated credit reports reflecting the corrections.

Declaration under 28 U.S.C. 1746 : I declare under penalty of perjury under the laws of the United States of America that the foregoing information is true and correct to the best of my knowledge and belief.

Signed, 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Formal Request for Debt Validation Account Number : XXXX To Whom It May Concern, This letter serves as my formal notice that I dispute the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt, including but not limited to : 1. The name and address of the original creditor XXXX. Proof that I am legally obligated to pay this debt, including copies of any agreement with my signature XXXX. A complete and itemized breakdown of the amount being claimed, including interest, fees, and other charges XXXX. Documentation showing the chain of title and how your organization obtained the right to collect this debt XXXX. Proof that your company is licensed and legally authorized to collect debt in the state of California Until you provide the documentation requested above, you must cease : - All collection activity, including phone calls or other communication - Reporting or verifying this debt to any credit reporting agency If this debt is currently reported to any credit bureau, you must immediately mark it as disputed until full validation is completed. Failure to comply with these requests will be documented as a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and other applicable regulatory agencies. 


All communication regarding this matter must be in writing only and mailed to the address listed above. 

Thank you for your cooperation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had called Chase and asked if i could apply for a savings account. I was denied shortly after, and then was notified that my checking, where all of my money is, is going to be closing. They said they would mail my funds in 14 days, and gave no option or reason to keep my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AR

Complaint narrative:
I am submiting to formally dispute several inaccurate or unverifiable items currently being reported on my credit file. After reviewing my recent credit report, I found account information and inquiries that appear to be reported in error or without proper verification. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that all data associated with my credit history is complete, accurate, and verifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I kept enough Money on my PNC Bank account for a long time. 

I did withdraw money just a little bit and the amount was around XXXX XXXXPnc used this issue as an execuse to use against me. 

They had charged me XXXX XXXX  monthly and they had done this XXXX times without my information.I just recognized and they just refund XXXX XXXX  only. 

I want my money back I need your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi! I owed around {$3500.00} to XXXX XXXX and paid off the entire amount on XX/XX/XXXX. XXXX in XXXX North Carolina did not immediately take the collections off my credit report. In XXXX after many calls they finally took it off my credit report of XXXX  and XXXX  collections. BUT, it was still left on Transunion Report and left at {$0.00}. I filed an investigation in XXXX because I could not get a student loan because this XXXX collection account was still on my report even though I paid it all off. The investigation did not take off the collections. It has it on their twice for XXXX and XXXX but at {$0.00}. So I went to get a student loan thru FASFA on XX/XX/XXXX again and it denied me again. I can not get a student loan because of this. I then opened another investigation and called Transunion 2 times to clear it and called XXXX. It is still on my TU report and nothing has been done and I can not get a student loan for my child. This is frustrating. XXXX XXXX in XXXX wont take it off. My collections XXXX is XXXX. He wont call me back after a XXXX last week. PLEASE PLEASE take this off of Transunion even if it says {$0.00} it is still on my report and I can not get a studdent loan. Thanks!

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 2025-11-07 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: SC

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/2025 ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-11-07 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: Block, Inc.
State: GA

Complaint narrative:
There was some money transfer s and so cash app heldnmy account for suspicious activity well we waited and follow there procedure time anebtr again for six months now the account is closed but when we try transferringthe money out it locks the account down and want do anything then we contact support go through a lot l the emotions just for the to transfer the compliment to another team that does not respond and nothing ever gets done about it hasn't for six months it's a victim cycle they are stealing myoney I have asked for intrest on my unds and I can't get thought to anyone that it's on them not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NC

Complaint narrative:
Consumer Statement Regarding Failure to Comply with 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) and Related Federal Laws On XX/XX/year>, I submitted an Identity Theft Declaration and all required supporting documentation to the national credit reporting agencies ( Experian, TransUnion, and Equifax ) in accordance with 15 U.S.C. 1681c-2 ( FCRA 605B ).

My submission included : A valid government-issued photo ID ; Social Security documentation ; Proof of current address ; A copy of my credit report highlighting the fraudulent accounts. 

Despite receiving complete documentation, each bureau has failed to block or delete the disputed accounts within four ( 4 ) business days as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ).

The following collection and charge-off accounts remain on my credit reports, continuing to cause harm and violate my federal rights : 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 Under 15 U.S.C. 6801, each credit bureau and furnisher is legally required to protect the confidentiality, accuracy, and integrity of consumer financial information. Their ongoing reporting of accounts identified as fraudulent constitutes : Willful non-compliance under 15 U.S.C. 1681n, and/or Negligent non-compliance under 15 U.S.C. 1681o.

I have already submitted follow-up deletion demand letters to each bureau demanding immediate removal of these accounts and written confirmation within five ( 5 ) calendar days.

At this time, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate each credit bureaus failure to comply with 15 U.S.C. 1681c-2 ; Enforce deletion and permanent blocking of the fraudulent accounts listed above ; and Require written confirmation and updated credit reports reflecting the corrections.

Declaration under 28 U.S.C. 1746 : I declare under penalty of perjury under the laws of the United States of America that the foregoing information is true and correct to the best of my knowledge and belief.

Signed, 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 2025-11-08 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: NC

Complaint narrative:
Consumer Statement Regarding Failure to Comply with 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) and Related Federal Laws On XX/XX/year>, I submitted an Identity Theft Declaration and all required supporting documentation to the national credit reporting agencies ( Experian, TransUnion, and Equifax ) in accordance with 15 U.S.C. 1681c-2 ( FCRA 605B ).

My submission included : A valid government-issued photo ID ; Social Security documentation ; Proof of current address ; A copy of my credit report highlighting the fraudulent accounts. 

Despite receiving complete documentation, each bureau has failed to block or delete the disputed accounts within four ( 4 ) business days as required by 15 U.S.C. 1681c-2 ( a ) ( 1 ).

The following collection and charge-off accounts remain on my credit reports, continuing to cause harm and violate my federal rights : 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 Under 15 U.S.C. 6801, each credit bureau and furnisher is legally required to protect the confidentiality, accuracy, and integrity of consumer financial information. Their ongoing reporting of accounts identified as fraudulent constitutes : Willful non-compliance under 15 U.S.C. 1681n, and/or Negligent non-compliance under 15 U.S.C. 1681o.

I have already submitted follow-up deletion demand letters to each bureau demanding immediate removal of these accounts and written confirmation within five ( 5 ) calendar days.

At this time, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to : Investigate each credit bureaus failure to comply with 15 U.S.C. 1681c-2 ; Enforce deletion and permanent blocking of the fraudulent accounts listed above ; and Require written confirmation and updated credit reports reflecting the corrections.

Declaration under 28 U.S.C. 1746 : I declare under penalty of perjury under the laws of the United States of America that the foregoing information is true and correct to the best of my knowledge and belief.

Signed, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendbuzz Inc.
State: MA

Complaint narrative:
DEAR LENDBUZZ FUNDING LLC : You have personal information all wrong. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX i made a XXXX  payment for XXXX but they charges my checking account XXXX ask for a refund they say it will be 60 to 90 days if at all they keep putting me off.this is bank of america.this has caused a finacial hardship on myself and my husband that is XXXX with a XXXX XXXX.i have no money for essentials at all because it overdrawn my bank account and the money i had.i just need help resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PR

Complaint narrative:
this hard inquiries dosent belong to me and needs to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation