vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Filing a new complaint for the {$500.00}. 

This company continues to act in a fraudulent way ( see below ). 

=============================================== The company has responded and returned my funds with the exception of {$500.00}. 

The amount in question was {$5000.00} they have returned {$4500.00}, {$500.00} is still due. 

They responded that the dispute had timed out after 60 days. 

If the dispute timed out, it was because of their delays, this has been going on for months. 

How is it that this bank is allowed to delay in responding to my disputes and taking months, and then make the ridiculous statement that the dispute has timed out. 

At this point, they are involved in fraud. XXXX has had their funds returned to them from another bank, as I stated in my original complaint. 

Can someone explain to me how they are allowed to keep my {$500.00}? 

If I file a dispute on a withdrawal and they give me a credit for that dispute, then at that point, the issue is between me and the vendor. In this case, the vendor ( XXXX ) has been paid. 

Why are they allowed to keep the {$500.00}? 

After a discussion with my attorney, he stated I should take Ally Bank to small claims court, which I intend to do as a matter of principal. 

I have requested information from the bank about their statutory agent. However, I have been ignored. Please have the bank contact me, as required by law, who their statutory agent is. 

Additionally, I will be filing a formal fraud complaint with the Utah and the U.S. Attorney General 's offices.

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 2025-04-18 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: HI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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: HI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am bringing an urgent and important matter to be addressed by you and the creditor as I have recently became aware of serveral credit card that have been obtained using my persnal information has been used to obtain credit cards under my name. 


I have found a XXXX XXXX  credit card ending XXXX on my credit profile which I have never applied for.s I have also found an XXXX credit card account ending XXXX which I equally never applied for. 


This my formal notice to you as the credit card provided as under the Fair Act, this is consider a violation of my rights and thus all these fruadulents information must be remove and deleted from my credit file. 


Thank you 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 2025-04-18 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to requesting an investigation of the following information that appears on my Early Waring Systems consumer credit report. I have NEVER opened or use the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.

Creditor Name : One Main, XXXX XXXX Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.

Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.

Creditor Name : Harris & Harris , LTD, XXXX, XXXX XXXX XXXX .

Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.

Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-04-19 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I contacted LVNV funding about an account that showed on my report. They told me they do not have information on me in there system, so why are they still reporting to the credit bureau. The account they had in charge off is now in collection which they fail to notify me and caused my credit score to drop tremendously low. According to 15 U.S.C. 6802 the company must : 1. Notice Requirements Financial institutions must provide customers with a clear and conspicuous privacy notice explaining what information they collect and how they share it.

This notice must be provided when a customer relationship begins and annually thereafter.

2. Right to Opt-Out Consumers must be given a reasonable opportunity to opt out of having their nonpublic personal information ( NPI ) shared with nonaffiliated third parties ( i.e., companies not part of the same corporate group ).

If the consumer opts out, the institution may not share that information with those third parties ( with some exceptions ). 

XXXX. Limits on Redisclosure Even when sharing is allowed, third parties can not further share the information, except in accordance with the original privacy policy. 

Which LVNV Funding LLC failed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear to whom it may concern, On XX/XX/year> I was the victim of a scam and unknowingly deposited a fraudulent check into my bank account. The next day, I contacted the bank to report the issue, but I was told there was nothing they could do while the check was still processing. ( I called the bank before the money actually hit my account and I also didn't spend any of the money or go through with what the scammers wanted me to do. ) The scammer sent me 2 checks that totaled to XXXX and shortly after i regretted it after researching unfortunately. 

Once the funds posted to my account on XX/XX/year> I immediately called the bank again. I was advised to contact the fraud department, which I did. I explained the situation in full : that I had been scammed, had not spent any of the funds, and was reporting it as soon as I realized what had happened. 

Despite reporting the issue early and following every instruction I was given, I was later informed that my account is being XXXX and closed. I feel like Im being treated as if I tried to commit fraud, which is absolutely not the case. I had no intention of breaking any laws. I was a victim, and I did everything I could to stop the situation from escalating. 

Im asking for a manual review of my case, as I believe this account closure is the result of an automated system and not a fair assessment of the facts. I also want to ensure that my fathers account, which is linked to mine, is not unfairly affectedhe had no involvement in this situation. 

Thank you for taking the time to consider my complaint. Im just asking for the opportunity to clear my name and continue banking without being penalized for something that wasnt my fault. 

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 monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of human trafficking. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXX XX/XX/XXXXXXXX XXXX XXXX ( Account # XXXXXX/XX/XXXX) - Opened on XX/XX/XXXX with a balance of {$0.00}. XXXX ( Account # XXXXXX/XX/XXXX) - Opened on XX/XX/XXXX with a balance of XX/XX/XXXXXXXX XXXX ( Account # XXXX * * * * ) - Opened on XX/XX/XXXX with a balance of {$0.00}. These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human trafficking. Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/2022

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 2025-04-19 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: CT

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: MD

Complaint narrative:
I have an active dispute with XXXX in progress. In the interim, I paid the " outstanding '' balance in full the hopes of saving my credit until this matter was corrected with XXXX. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid {$2900.00}. This was the amount XXXX was claiming I was in the arrears. 

I received XXXX alerts from my Experian account that XXXX had submitted the 120 days late notification to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the dates that XXXX is sending notification to the credit bureaus, the amount had been paid and posted on their account. This type of unethical and incorrect reporting has dropped my credit scores over XXXX points. I have tried repeatedly to contact XXXX being placed on hold for over XXXX hours for XXXX call only to be disconnected. My credit is being destroyed daily by a company I never heard of nor from. I have lost the ability to purchase my retirement home due to my XXXX XXXX. I found out about a company called XXXX when the agent ran my credit. I am stressed and in a crisis because of this company 's repeated reporting incorrect information to the three credit bureaus.

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 2025-04-18 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: MD

Complaint narrative:
I have an active dispute with XXXX in progress. In the interim, I paid the " outstanding '' balance in full the hopes of saving my credit until this matter was corrected with XXXX. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid {$2900.00}. This was the amount XXXX was claiming I was in the arrears. 

I received XXXX alerts from my Experian account that XXXX had submitted the 120 days late notification to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the dates that XXXX is sending notification to the credit bureaus, the amount had been paid and posted on their account. This type of unethical and incorrect reporting has dropped my credit scores over XXXX points. I have tried repeatedly to contact XXXX being placed on hold for over XXXX hours for one call only to be disconnected. My credit is being destroyed daily by a company I never heard of nor from. I have lost the ability to purchase my retirement home due to my credit score. I found out about a company called XXXX when the agent ran my credit. I am stressed and in a crisis because of this company 's repeated reporting incorrect information to the three credit bureaus.

Company response to consumer: Closed with explanation