vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My account was restricted from logging in and trading around XX/XX/XXXX, and it still hasn't been resolved to this day. I've called countless times requesting a quick resolution, but I've received no response. Every time I call, they tell me they're investigating, but I don't know what they need to investigate. I'm just an ordinary user. This bank has seriously affected my life and mental health. I only opened this account less than a month ago, and it was restricted within a week of opening it. This is the second time this has happened, but this time they're taking an extremely long time to resolve it. The customer service representatives are dismissive and have a very bad attitude, and it takes a very long time to get through to a human representative. This bank is truly terrible. Where is my money? I need access to my funds. I strongly suspect this bank is fraudulently obtaining user information and using account restrictions as a pretext to seize customer funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I am writing to dispute the following account appearing on my credit report : XXXX XXXX XXXX, Account XXXX, for original creditor XXXX XXXX XXXX  Balance {$370.00}. This debt is fraudulent and stems from identity theft. I did not open this account, nor do I recognize this debt. The company failed to investigate properly and XXXX asking this account to be permanently remove from my credit report according to the fair Section XXXX ( Identity Theft Prevention Programs ), requiring businesses to detect and mitigate fraud, and Section XXXX ( Blocking of Information ), enabling victims to block fraudulent data, all enforced by the FCRA 's core rules on accuracy, fairness, and consumer rights to dispute errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I reported my Destiny Mastercard as stolen in mid-XXXX and at that time there were no unauthorized charges on my account. Just days before receiving my new card in the mail, a large fraudulent charge from XXXX XXXX XXXX XXXX appeared on my account on XX/XX/year>. My credit limit on this card is only {$700.00} and I am not enrolled in their overlimit coverage, yet somehow this charge of {$2500.00} was allowed to post to my account. I've never rented a car from Budget, and I have nothing to do with this transaction. 

I have disputed the charge with Destiny Mastercard and was assured that it would be processed promptly. However, on XX/XX/year>, Destiny updated my reported balance with the credit bureaus, and although the card was paid off in full prior to the fraudulent charge, my reported balance is now {$2500.00}. This inaccurate reporting has caused my credit score to plummet, because my credit utilization is far above the {$700.00} credit limit. This is absolutely outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When I opened my home depot credit card which is financed with Citibank N.A. I lived in my home in XXXX. I moved to XXXX XXXX for XXXX  months to care for my mom and returned to my home in XXXX. I contacted Citibank to update my address and my new phone number. 

I called them on the following dates : XX/XX/year> @ XXXX XXXX  ; XX/XX/year> @ XXXX XXXX  ; XX/XX/year> @ XXXX XXXX  and XX/XX/year> @ XXXX XXXX. I had no success in getting my account updated. 

Citibank can only update my information would be by sending a code to the phone number I had in XXXX XXXX which I no longer have. 
They told me will send a letter with a code to contact them with the information so they can update my account. 
I never received a letter at my mother 's address nor in my home in XXXX. 

I need this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
I took a payday loan from Dave on Friday XX/XX/2025 to be paid back on XX/XX/XXXX for {$720.00} with {$25.00} fees. 

They took the money from my account on XX/XX/XXXX ( 14 DAYS EARLY ), including the {$25.00} fees. I had to take ANOTHER payday loan for {$600.00} with ANOTHER {$25.00} in fees. 

They said it's not their problem. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security card XXXX and proof of residency to verify my identity and address. 

Sincerely, 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 2025-12-08 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: World Acceptance Corporation
State: NY

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN XXXX, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AR

Complaint narrative:
I can access my account to get theinfor.ation. I was taking screenshot when It wouldn't let me back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3900.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3900.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them. This is unacceptable and misrepresents my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts is alarming. Provide immediate clarification on why these accounts appear on my report and identify who is reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
XXXX XXXX is reporting an auto loan on my credit report that contains multiple factual inaccuracies, contradictions, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I am requesting the CFPBs assistance because both the credit bureaus and the furnisher continue to report information that is demonstrably false. 
The account ( ending in XXXX ) shows the following unlawful and impossible reporting patterns : The payment history shows XXXX days late for nearly every month of XXXX and XXXX. 
This is mathematically impossible and constitutes illegal re-aging. Once an account reaches 120 days late, it must progress to charge-off or closure. Reporting XXXX late for two straight years violates Metro 2 and FCRA 1681e ( b ).

The account is simultaneously reported as : Open Over 120 days past due With a $ 0 monthly payment These conditions can not coexist under any lawful reporting format. This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

The bureaus state that no payment data older than two years exists, yet derogatories continue to appear without supporting data.

This means the derogatory payment history is unverifiable, violating 1681e ( b ). 
The trade line reflects XXXX late under the XX/XX/XXXX fields while simultaneously listing continuous XXXX lates. 
Impossible under Metro 2 and further proof of inaccurate reporting.

The account lists liability as Undesignated, which violates the requirement to correctly report consumer responsibility.

The past due balance of {$7200.00} can not be verified because the account does not list a monthly payment amount, a charge-off date, or proper delinquency progression.

Because the information is contradictory, unsupported, factually inaccurate, and legally non-compliant, I am requesting : Immediate correction or deletion of the XXXX XXXX trade line A full explanation of how this information was verified despite its contradictions A full investigation into the furnishers reporting practices This false tradeline is causing ongoing harm to my creditworthiness, loan eligibility, and financial wellbeing. I request the CFPBs assistance in enforcing compliance with FCRA reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
XXXX XXXX is reporting an auto loan on my credit report that contains multiple factual inaccuracies, contradictions, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I am requesting the CFPBs assistance because both the credit bureaus and the furnisher continue to report information that is demonstrably false. 
The account ( ending in XXXX ) shows the following unlawful and impossible reporting patterns : The payment history shows XXXX days late for nearly every month of XXXX and XXXX. 
This is mathematically impossible and constitutes illegal re-aging. Once an account reaches 120 days late, it must progress to charge-off or closure. Reporting XXXX late for two straight years violates Metro 2 and FCRA 1681e ( b ).

The account is simultaneously reported as : Open Over 120 days past due With a $ 0 monthly payment These conditions can not coexist under any lawful reporting format. This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

The bureaus state that no payment data older than two years exists, yet derogatories continue to appear without supporting data.

This means the derogatory payment history is unverifiable, violating 1681e ( b ). 
The trade line reflects XXXX late under the XX/XX/XXXX fields while simultaneously listing continuous XXXX lates. 
Impossible under Metro 2 and further proof of inaccurate reporting.

The account lists liability as Undesignated, which violates the requirement to correctly report consumer responsibility.

The past due balance of {$7200.00} can not be verified because the account does not list a monthly payment amount, a charge-off date, or proper delinquency progression.

Because the information is contradictory, unsupported, factually inaccurate, and legally non-compliant, I am requesting : Immediate correction or deletion of the XXXX XXXX trade line A full explanation of how this information was verified despite its contradictions A full investigation into the furnishers reporting practices This false tradeline is causing ongoing harm to my creditworthiness, loan eligibility, and financial wellbeing. I request the CFPBs assistance in enforcing compliance with FCRA reporting standards.

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