vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, Ally Bank Successfully scheduled the Auto payment of {$1000.00} and the payment made on XX/XX/XXXX was a successful payment XX/XX/XXXX. 
Ally Confirmation Subject - Youve scheduled your Financial payment XXXX {$1000.00} ; Confirmation number : XXXX Subject - We received your vehicle payment XXXX and successful XXXX {$1000.00} ; Confirmation number - XXXX On XX/XX/XXXX, although the {$1000.00} payment cleared successful payment with Ally Bank, Ally Bank processed another {$1000.00} unauthorized transaction through XXXX XXXX. I did not authorized Ally Bank to process this {$1000.00} payment through XXXX XXXX. In processing this unauthorized {$1000.00} payment I received an overdrawn account which I covered, not knowing that it was an unauthorized transaction. After realizing I called XXXX XXXX  to make them aware that I did not authorize the {$1000.00} transaction with Ally Bank. I called Ally Bank to make them aware that I did not use Ally for the {$1000.00} payment. Ally Bank again retry payment without my authorization according to the XXXX XXXX  statement on XX/XX/XXXX, which I incurred late fees. 

I have called Ally Financial numerous times and visited the XXXX, XXXX  location with no resolve, I am disputing unauthorized ACH transaction through my XXXX  account ending in XXXX associated with an Ally Bank auto loan payment. XXXX XXXX  official statements for XX/XX/XXXX show conflicting transaction histories, and I was charged overdraft fees for payments that was unauthorizes to process through XXXX XXXX. The payment returned XX/XX/XXXX or XX/XX/XXXX, I never received a clear answer about the {$1000.00}, who Ally returned the {$1000.00} to that was clearly processed complete on XX/XX/XXXX On XX/XX/XXXX, I mailed a letter requesting an answer in writing by mail, why the scheduled {$1000.00} payment on XX/XX/XXXX and successfully completed XX/XX/XXXX payment was returned? And where the {$1000.00} funds was sent and a complete transaction history including all notes and case number by mail? Why did they process a payment that was not authorized by me XX/XX/XXXX to XXXX XXXX ; and retry the unauthorized payment through XXXX XXXX  on XX/XX/XXXX? 

XXXX XXXX closed my debit card ending in XXXX unexpectedly without cause or my permission and stopped my usage. 

I would like the official bank records, no pdf because pdf can be altered and I would like a copy of my original contract, no pdf copy. 

I received a letter from Ally on XX/XX/XXXX, dated XXXX that was not an explanation answer or Ally did not send requested information regarding my auto loan account 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$850.00}

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$47.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask 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
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXXXX/XX/year>

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/year> i went into BMO Bank XXXXXXXX XXXX XXXX at XXXX to make a payment on my BMO credit card. The payment was due on that day. I paid XXXX transfer from my checking account. The next day i looked at my BMO app online and they have charged me a {$29.00} late fee. I went back to the bank and the XXXXanger on duty ( XXXX ) checked and said that all of the payment was made correctly and ON TIME. He had no idea why BMO charged me. XXXX later he called my wife and tried to discuses this problem with her.. This is MY account and that is a breach of my personal information. My wife told him to call me. He explained to me because i made my payment in the bank the same day it was due it was considered late.

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 2025-10-08 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-08 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
Today, I received two notifications that my credit report had been accessed. 

As I did not apply for Credit, nor am subject to any Court Order, I investigated further and identifed that StateWide Credit Services ( XXXX ) XXXX ran my report, as well as my wife 's report. 

When I called StateWide, they confirmed they ran my report ( as well as my wifes ) and threatened to sue me for an old medical debt, for which we have repeatedly requested additional information. 

Any time we have been contacted via phone related to this claim for unpaid monies, we have repeatedly requested more information regarding the date of services, the response from our insurance provider, and the authorization to run an XXXX XXXX XXXX XXXX XXXX XXXX 

This is a debt from a pediatric dentist where they claim an XXXX was taken, and not covered by our insurance. We never asked for the XXXX, nor do we have any addiitonal information about the debt, other than what they told us over the phone. 

This inquiry will damage my credit, as well as my wifes and the threat of lawsuit seems preposterous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to NATIONAL CREDIT SYSTEMS through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that NATIONAL CREDIT SYSTEMS receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to NATIONAL CREDIT SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account listing does not accurately reflect my payment record and appears mistaken. Kindly investigate and delete it.

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 2025-10-08 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

DEPT OF EDUCATIONXXXX Account Number XXXX Open Date XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number XXXX Open Date XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number XXXX Open Date XX/XX/XXXX DEPT OF EDUCATION/XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), I dispute the accuracy/completeness of the following tradelines. Consistent with XXXXXXXX XXXX. TransUnion ( XXXX XXXX XXXX ), numeric codes are not proof. You must obtain independent documentary evidencerunning statements/ledgers showing contractual due date, receipt, and posting for each alleged late month and the basis for every derogatory field. If you can not verify to that standard within 30 days, delete per 611 ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct { XXXX } Quoted defects : Account Status : Closed/Open/Open ; Past Due : {$150.00} on a collection ; Payment Status : CollectionOrChargeOff ; Was 90 days late 20 time ( s ). Metro-2 breaches : Field 11 ( XXXX/Type collection vs installment ), XXXX, XXXX, Original Creditor ( collection segment ), Account Status logic, Past Due vs Balance handling. All late months disputed. Produce assignment chain and monthly ledger entries. 
2. Dept. of Education / XXXX Acct { XXXX } Quoted defects : Open Past Due {$180.00} LateOver120Days Account previously in dispute now resolved. Metro-2 breaches : Field 17A ( status ), XXXX XXXX, Field 71 ( dispute code if active ). All late months disputed. Provide full ledger and DOFD. 
3. Dept. of Education / XXXX Acct XXXX XXXX  } Same defects as above ( Past Due {$140.00} ; severe delinquency coding ; dispute resolved ). All late months disputed. 
XXXX. XXXX XXXX Acct XXXX XXXX } ( Closed/Charge-off ) Quoted defects : Closed Balance {$580.00} Past Due {$580.00} CollectionOrChargeOff Was XXXX XXXX XXXX. Metro-2 breaches : XXXX, XXXX accuracy XXXX Past Due vs Balance duplication. All late months disputed. 
5. US Dept of Ed XXXX XXXX Acct { XXXX } ( Closed/AsAgreed with historical XXXX ) Quoted defects : Late coding must match ledger months ; ensure XXXX furnished . Metro-2 breaches : XXXX, XXXX. All late months disputed.

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 2025-10-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXXXX/XX/year>

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