vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Ally Financial for approving and financing a XXXX XXXXXXXX XXXX XXXX ( VIN : XXXX ), which was sold to me with a branded title due to a Lemon Law buyback. This vehicle should have been ineligible for financing under Ally 's own underwriting guidelines and internal risk policies. 

Per XXXX XXXX XXXX Notice, vehicles with salvage, totaled, flood, frame-damaged, or otherwise branded titles are not eligible for retail or lease financing. Despite this, Ally approved the loan for a vehicle with a known branded title. The branded status was disclosed by the dealership at the time of sale, meaning the vehicle was not eligible under XXXX policies. 

In addition, I was sold XXXX insurance as part of the financing agreement. However, the XXXX contract specifically excludes any vehicles with branded titles. This makes the protection product void from inception and adds another layer of financial harm. 

Upon reviewing the signed XXXX XXXX XXXX XXXX, I confirmed that there is no mention or disclosure of title-based ineligibility. There is no clause referencing salvage, lemon law, or branded title exclusions in the contract I signed. This shows that I entered into the loan agreement in good faith, unaware that the vehicle was improperly financed. 

I have attempted to resolve this issue directly with Ally by sending multiple formal complaints and escalation letters to their XXXX team. To date, the matter has not been resolved. I am requesting that the CFPB investigate this improper loan approval and assist in resolving the following : XXXX. Cancellation of the auto loan XXXX. XXXX return of the vehicle to Ally XXXX. Full refund of all payments made toward the loan and XXXX insurance Thank you for your time and attention to this serious complaint. I am including a copy of the escalation letter sent to Ally for reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid {$100.00} for groceries at XXXX. Later that same day, my then-girlfriend reimbursed me {$100.00} via Venmo ( XXXX ID : XXXX ). 

In XX/XX/XXXX, almost a year later, she filed a fraudulent dispute claiming the {$100.00} Venmo payment was unauthorized. Her bank sided with her, and Venmo reversed the transaction without ever giving me the chance to provide evidence. 

Why Im filing this complaint : I was never contacted by Venmo for evidence before they closed the case. 

Venmos own records show the original transaction date ( XX/XX/XXXX ). 

I have my bank receipt from XXXX showing the {$100.00} purchase that directly corresponds to her reimbursement. 

Venmo told me they can not help and suggested I take it up with the sender directly, despite having clear evidence this was a legitimate transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX, Account Number XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX stating that aidvantage has not cleared any of my previous payments. 

The following are dates, amounts, and confirmation XXXX XXXX for the payments. DATE - AMOUNT XXXX XXXX XXXX XXXXXX/XX/XXXX - {$400.00} - XXXX XX/XX/XXXX - {$400.00} - XXXX XX/XX/XXXX - {$340.00} - XXXX XX/XX/XXXX - {$300.00} - XXXX XX/XX/XXXX - {$300.00} - XXXX. Aidvantage responded to my complaint stating " The first time someone tries to make a payment using their bank account, the system checks if the routing number, account number, and account type are correct. If any part of that information doesnt match, the payment is automatically canceled. Unfortunately, no one gets notified when this happens-not the agency and not the customer. You should contact your bank. The bank can investigate why the payment didnt go through and help to fix the issue. 

I have contacted my bank on multiple occasions, and they have verified that there are no holds on my checking account. When I tried to add my bank account again ( re-entering my routing and account number to double check they are entered correctly ) after receiving the response from Aidvantage, the Aidvantage website would not allow me to add my checking account because everything is already added. This indicates to me that the routing, account, and account type information are entered correctly on the Aidvantage website. I have called my bank again after receiving the reponse from aidvantage and my bank verified again that there are no holds, and that my routing and account numbers are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the negative accounts and derogatory information currently appearing on my credit report under my name. These accounts are the direct result of identity theft stemming from a data breach in which my personal information was unlawfully exposed. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a thorough reinvestigation of all disputed information. Any item that can not be verified as accurate must be deleted immediately. The continued reporting of fraudulent accounts is a violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), it is unlawful for any creditor or collector to attempt to collect or report a debt that is not valid or that resulted from identity theft. 

As a XXXX  resident, I am also protected under the Florida Information Protection Act ( Fla. Stat. 501.171 ) and the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201-213 ). The exposure of my personal information through a data breach constitutes a clear violation of your duty to safeguard my data, and the continued reporting of fraudulent accounts is an unfair and deceptive act. 

I demand the following : Immediate deletion of all fraudulent and negative accounts resulting from the data breach. 

Written confirmation that these accounts have been removed from my credit file. 

A copy of the results of your reinvestigation, as required by the FCRA. 

Prevention of any further reporting of these fraudulent accounts.

Be advised that I am keeping records of all correspondence. If you fail to comply within 4 days of receipt of this letter, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida  Attorney Generals Office, and I will pursue legal remedies available under FCRA, FDCPA, and Florida  law. 

This is your final opportunity to correct the harm caused. I expect written confirmation of deletion within the stated timeframe. 

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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an alert from an Identity theft company that I use that an account was switching an address. I never opened this account - I contacted JPMorgan Chase bank and found out that a checking account was opened in my name, but they would not provide me details. At this time I am waiting on hearing back from their resolution office. I also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are a result of fraud XXXXXXXX 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 2025-09-10 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: NJ

Complaint narrative:
Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections. To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Accounts in Dispute : XXXX XXXX XXXX XXXX ACCT # XXXX ; XXXX XXXX ACCT # : XXXX. These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation. Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation. 15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind. 15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. XXXX XXXX  XXXX XX/XX/25, XXXX  XX/XX/25 Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report. Please mail all findings, updates, and confirmations of deletions to the address listed above. Sincerely, 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation