vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX, my vehicle was repossessed by Ally Financial. I immediately contacted the company to determine the total amount required to reinstate my vehicle. However, I was told that it would take 5 to 7 business days just to receive the total payment amount, which caused unnecessary delays.

Once I finally received the amount owed on XX/XX/2025, I made the payment on XX/XX/2025 using my debit card through XXXX XXXX, a third-party payment processor that Ally Financial accepts. When I called to obtain the payment amount, I was not informed that once the payment was made, I would have to wait an additional 5 to 7 business days for the funds to post before I could retrieve my vehicle.

After making the payment, I checked my bank account, and the funds had been deducted. However, Ally Financial refused to release my vehicle, stating that they had not yet received confirmation of the payment. If I had been informed of this processing delay upfront, I would have considered using an alternative, faster payment method.

To resolve the issue, I contacted ACI Payments, and they confirmed that the payment was successfully processed. When I inquired about canceling the payment to make a direct payment
instead, I was given an email address to request a refund. However, when I visited the XXXX XXXX  website, it stated that refund requests should be handled by the company that received the paymentAlly Financial. This resulted in a frustrating cycle of miscommunication and delays.

I believe that Ally Financial failed to properly disclose key payment processing details, leading to unnecessary hardship. The delays in providing the total amount due, the extended wait time for payment processing, and the lack of clear refund procedures have caused significant inconvenience and financial strain. I am seeking an immediate resolution, the release of my vehicle, and compensation for the stress and hardship caused by these delays and miscommunications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have been disputing an entry on my credit report regarding a XXXX credit Card. I have sent information to the debt collector ( XXXX ) as well as XXXX regarding ownership of this debt. As you can see from the attachment, information regarding me not receiving mail and the fact that I never received copies of any debts associated with card is evident and proof positive that I never knew about this debt, which was subsequently turned over to the FTC for fraud. The ex-wife exhibits furtive behavior while being asked why she was still getting mail. She was clearly hiding this activity from me under the guise of ignorance, so she did not have to disclose to the court her further accumulation of alleged debt. 

I never used this card, any debts associated with this card are hers. On the attachment you will have all the names of the parties involved whom you can feel free to contact to verify this position. This is new and further information in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX  negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective 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 non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I noticed that XXXX XXXX XXXX a collection account was added to my Transunion credit report. The original creditor is XXXX University, which I never attended or enrolled. XXXX University, sent this debt originally to XXXXXXXX XXXX XXXX  collection agency. I disputed this that account with XXXX XXXX and was removed due to fraud. XXXX University reinstated this debt with XXXX XXXX and reopened another collection account on my Transunion credit report. This is the same alleged debt, but now being reinstated with a new collection agency. I do not owe this debt as I never attended XXXX University, this is being reinstated via another agency and credit report. I have filed two identity theft reports, one from XXXXXXXX XXXX XXXX and one for General Revenue CorpXXXX XXXX University keeps on reinstating the {$1000.00}, which I do not owe and negatively hurting my credit, after I gave them notice of this fraud. Transunion does not block this information even after sending them all FTC report and copy of a sworn statement. Transunion keeps opening a regular dispute with the collection agency, and the debt keeps getting validated. This is not my debt and I am victim of identity theft, Transunion refuses to help me, by blocking the information. Instead they open a normal dispute which gets the debt validated since the information being used was stolen from me.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPS ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, they dispute. Resolution process was unfair and deceptive as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and TransUnion for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past four months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXX XXXX XXXXXXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating XXXX5 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX Charge-off account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX XXXX  and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to seven years from the date of first delinquency ( DOFD ). 

XXXX5 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall three bureaus have failed to comply.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my four months of disputes.

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 2025-01-29 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: CA

Complaint narrative:
I am filing this complaint against XXXX, Equifax, and XXXX for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past four months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXXXXXX XXXX  XXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX Charge-off account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX XXXX and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to seven years from the date of first delinquency ( DOFD ).

15 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall XXXX bureaus have failed to comply. 
XXXX XXXX. XXXX ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my XXXX months of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
A credit disclosure statement was sent to the recipient on XX/XX/year>, but no response has been received despite sufficient time for review. The lack of acknowledgment has caused delays, and a follow-up request for confirmation and action has been issued. Further steps may be necessary if the recipient fails to respond promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
Ive believe my information may have been part of data breach Ive never been late and when I asked about it I was told form the institutions that this was a error that will be fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
After reviewing my credit report, I believe that these Informations are inaccurate, incomplete, or potentially fraudulent, and I respectfully request that they be REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I believe that these Informations are inaccurate, incomplete, or potentially fraudulent, and I respectfully request that they be REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation