vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: VA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-19 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: GA

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 2025-10-19 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: MS

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me considerable emotional distress and sleeplessness. Ive included all necessary documentation and urgently request its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am filing this complaint because Ally Financial wrongfully repossessed and sold a jointly financed XXXX XXXX XXXX after my co-borrowers XXXX XXXX XXXX was dismissed. Allys own internal notes show the exact start and end dates of the bankruptcy stay on their system, proving they knew the account was protected. Despite this, Ally demanded and repossessed the vehicle based on arrears that accrued entirely while the automatic and co-debtor stays were in effect, then later changed its story to claim abandonment. 

When my co-borrower filed XXXX XXXX, the automatic stay ( 11 U.S.C. 362 ( a ) ) and the co-debtor stay ( 11 U.S.C. 1301 ( a ) ) prohibited Ally from collecting, assessing, or recovering the debt from either of us. After the stay ended through dismissal, I contacted Ally to recover the XXXX, which a dealership was refusing to release. Ally representatives told me I had to pay all arrears in fullarrears that accrued during the protected bankruptcy periodand warned that failure to do so would result in repossession. 

I am an over XXXX XXXX trXXXX XXXX and was often away from home. Even so, on XX/XX/XXXX ( a Monday or Tuesday, according to my log ), I called Ally and clearly explained that I was trying to recover the vehicle and that the dealership would not release it. This call is documented in Allys own phone-log notes. Despite that knowledge, Ally repossessed the vehicle soon after and later changed its explanation to claim it was due to abandonment. That claim is false ; Ally already knew I was actively trying to retrieve the car. The repossession notice itself lists the arrears as the amount required to redeem the vehicle, proving that the arrearsnot abandonmentwere the real basis for the action.

These actions violate 11 U.S.C. 362 ( a ) ( 6 ) and 1301 ( a ). Federal courts have ruled that creditors can not accumulate or enforce stayed debts once a case is dismissed : In re XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Actions taken after the stay is lifted that enforce claims protected by the stay are void. 
In re XXXX, XXXX B.R. XXXX ( XXXX. XXXX. Mich. XXXX ) A creditor may not accumulate post-petition defaults caused by the stay and later demand payment once it terminates. 

My account was handled by XXXX in Allys Executive Customer Relations Department. I repeatedly told her that the arrears arose during the stay, that I had attempted recovery, and that the abandonment claim was false. Even after acknowledging receipt of my disputes, Ally refused to correct or escalate the issue, refused to release call recordings, and continued to report the repossession as validmaking the violation knowing and willful. 

Harm : The vehicle was wrongfully repossessed and sold ; my credit was damaged ; and I suffered financial and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-19 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
XX/XX/2025 - information was sent to me via my bank. I contacted collections company. Had never heard from them. I don't understand how this was even approved since my credit was never verified and the address/information is clearly not mine.

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 2025-10-19 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 is a formal dispute filed under the Fair Credit Reporting Act ( FCRA ). My Equifax credit report is severely inaccurate due to fraudulent activity stemming from identity theft. Despite my having filed an identity theft report and taking protective measures, Equifax has failed to conduct a reasonable investigation and has not removed these damaging, fraudulent accounts from my file. 

Pursuant to my rights under the FCRA, I am disputing the following fraudulent accounts appearing on my Equifax report. These accounts were opened without my knowledge or authorization : XXXX XXXX  : This closed account is incorrectly reporting a 30-day past due delinquency. This is fraudulent. 

XXXX XXXX : This account incorrectly shows a 30-day past due delinquency. My report also indicates a dispute where I disagreed with the outcome, with the comment " Consumer disputes after resolution ''. Equifax has clearly failed to properly investigate this. 

Equifax has failed to maintain the maximum possible accuracy in my credit file and has not conducted a proper investigation, in direct violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: VA

Complaint narrative:
On XX/XX/year>, I booked a one-night XXXX  stay in XXXX XXXX XXXX VA ( Confirmation XXXX ; Receipt ID XXXX ) for {$340.00}, paid via Klarna. My XXXX receipt shows the total amount and that payment was processed by Klarna on XX/XX/year>. 

Before check-in, the host canceled due to a double-booking error. In XXXX Messages, the host wrote : I need to sincerely apologize I made a huge mistake and accidentally double-booked the property that means I have to cancel your reservation. You are absolutely owed a full refund I recommend contacting your financial institution to request the refund on your end. 
This shows the service was never provided and that the refund was warranted. 

I promptly opened a dispute with Klarna. Klarnas transaction page shows : Dispute reported : XX/XX/XXXX ( order amount is incorrect ) and payment paused. 
Outcome : Your problem request has been declined. Payment resumed as XXXX could not find any discrepancies on your payment. 
Klarna also shows my autopay schedule tied to my card ending XXXX, meaning Im being billed for a stay I never received. 

Klarna appears to have misclassified the dispute as an amount incorrect issue, when the correct category is service not received / merchant canceled. Their reasoning ( XXXX could not find discrepancies ) does not address the actual fact pattern : the merchant ( host ) canceled and acknowledged Im owed a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TOYOTA MOTOR XXXX  failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. 
XXXXTOYOTA MOTOR CREDIT has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: 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 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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I didn't sign up for a promotion for this card. I only used the card XXXX time back in 2024. The dentist office signed me up for this card. Then I see a {$330.00} interest charge on my on my account. I didn't sign up for a promotion. The dentist office did the work and didn't tell me about a promotion. No knowledge was given to me about a promotion I need this {$330.00} interest off my account.

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 2025-10-19 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NM

Complaint narrative:
On XX/XX/year> I was notified that I had an account in collections from XXXX for the amount of {$400.00} USD. The stated account was opened around XXXX XXXX. However, I never had an account with XXXX or XXXX since I was stationed at XXXX XXXX, TX ( see attachment ) and the only service provider for internet is XXXX. I never had them for cell phone service since I had XXXX as my phone provider up until XX/XX/year>.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
I ask that you promptly remove the inaccurate late payment from my file. My record shows consistent on-time payments, and this mistake has been mentally and emotionally taxing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
Institution ( s ) involved : Branch ( XXXX XXXX XXXX  ) and XXXX Bank XXXX XXXX XXXX : {$2800.00} ( financial aid refund from XXXX XXXX XXXX ) Settlement date : XX/XX/2025 My XXXX XXXX XXXX of {$2800.00} from XXXX XXXX XXXX was sent to my XXXXr XXXX XXXX account, which is issued by XXXX XXXX XXXX XXXX XXXX XXXX  support confirmed that they could see the incoming deposit on XX/XX/2025, but it was marked pending. No fraud, verification, or compliance hold was disclosed. 

Under NACHA Operating Rule 3.3.2 and Regulation E ( 12 CFR 1005.10 ), once an RDFI receives an ACH credit, the funds must be made available to the consumer no later than the settlement date unless a lawful exception applies. Keeping the deposit in a pending state after XX/XX/XXXX without cause violates those requirements. 

Multiple Branch agents provided inconsistent and misleading information about when the funds would be available. I was told it would be available within 24 hours, then by Sunday morning, then in 35 business days, and finally received an apology for the misinformation. These shifting explanations caused financial hardship, as I was unable to access essential funds for rent and daily living. 

Additionally, XXXX and XXXX repeatedly refused to disclose the specific release date for my deposit, despite confirming that they could see the ACH file. Under NACHA Operating Rule 3.1.4, financial institutions must provide accurate and timely information about the status of an entry when that information is reasonably available. Their refusal to provide that date, coupled with inconsistent explanations, constitutes a deceptive and unfair practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

I am requesting a written explanation of why the deposit was delayed, confirmation of whether it complied with Reg E and NACHA rules, and appropriate remediation or compensation for the harm caused by their actions.

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Home Depot CC with a limit of XXXX I have ordered item for my house I just bought as it came with many issues. My XXXX XXXX XXXX  was open as a regular card. In XXXX I placed an order for a XXXX refrigerator and a mini beverage refrigerator. This is where all the issues started. When I called I think around XX/XX/year> to question my account it looked like the items were ordered twice I talked to several employees on the phone, times I lost connection a few times had to call back somewhere in those called 2 accounts in my name appear to this day. One was made as a XXXX account which I never requested and this is were the trouble started.because they connected my card to this XXXX account and spelled my name wrong Im unable to do anything with my card. I tried to get this straight but no one knows how to correct this. I sent an email to the CEO at Home Depot they immediately has escalation cal me. They called Friday I spoke with a lady for quite a long time she saw where the issue was but refer d the issue to someone else I now went into my account and see my account has been updated but under the pro account which I do not want and shows my name is not only spelled wrong still but shows up twice on the account spelled wrong two different times! I am so beyond frustrated with Home Depotthis can affect my credit showing buffet names and my original XXXX  card has my names spelled right no one can get this right!! So unprofessional that their team has no idea what their doing, from Customer Service to escalation. At this time Im unable to use the card I tried to order something really low cost to see if this was resolved I cant but not getting my names right is the issue

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