vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
I was scammed by a person on cash app who took {$40.00} and {$300.00} from my account. I tried to resolve it with XXXX  but they denied me and suggested I dispute it with my bank. I did so. I was initially given a {$300.00} credit ( not sure about the {$40.00}? ), but it was later reversed without any notification. 

I contacted my bank and they said that the decision was based on XXXX XXXX proving that the scammer received the money .. I called my bank and reiterated that I am aware the scammer got the money, hence why I filed a dispute. The agent promised to contact a supervisor and have them call me to fix it, but nobody ever called.. I'm not sure why my bank would be willing to deny my claim just because XXXX XXXX proved the scammer took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IN

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 2025-09-24 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: GA

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 2025-09-24 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: TN

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 4 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 30 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 2025-09-24 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: TN

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 4 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 30 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 2025-09-24 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: PA

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

1681c2 ) that you, the Experian 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 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 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 : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I lost {$300.00} in a failed XXXX transfer through Ally Bank. The {$300.00} was debited from my account on the first day, but the transaction showed pending for two days. While pending, my recipient got a denial notice. I reported this by telephone, which launched an investigation. During that time, an Ally representative admitted the situation was strange, she said the transfer should have gone through the day before, and promised to look into it and get back to me. They never followed up. A few hours later, the transaction flipped to completed, but my recipient never received the money. Weeks later, Ally closed the case as no error and told me if I still believed there was an issue, I should refile an identical dispute to restart the process essentially repeating what I had already done. 

On XX/XX/year>, I initiated a XXXX transfer of {$300.00} from my Ally Bank account, using the correct recipient information The {$300.00} was debited from my account immediately on day one. 

Despite this, the transaction remained pending for two days. 

While it was pending, my recipient received a XXXX notice stating I had denied his request for money. This was false I had already authorized the transfer. 

After my recipient got that denial notice, I called Ally. 

The Ally representative I spoke with acknowledged the issue, saying it was strange and that the transfer should have gone to him yesterday. She said Ally would look into it and get back to me, but no follow-up ever came. 

A few hours after that call, the transaction status flipped from pending to completed on my Ally account. My recipient never received the {$300.00}. 

Weeks later, Ally concluded their investigation with a finding of no error, claiming the money went to the correct location. 

At the same time, they told me that if I still thought there was a problem, I should repeat the exact same process refile another identical dispute so they could look in further. 

Ally has never provided proof of where the funds went or explained how a denial notice could occur while the transfer was pending. 


Why I am filing this complaint : This was a processing error in an electronic fund transfer. 

Allys handling of my dispute was inadequate and contradictory : They admitted something was wrong in real time. 

They promised to investigate and never followed up. 

They closed the case as no error. 

Then they told me to start the process over again weeks later by refiling the same dispute, rather than conducting a deeper review. 


Under the Electronic Fund Transfer Act ( Regulation E ), Ally is required to properly investigate and resolve errors. Their response has been inconsistent, circular, and non-compliant.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting my XXXX XXXX tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with internally inconsistent and misleading information. 

Equifax file date : XX/XX/XXXX. 
What the file shows together : Account Status : CLOSED ; Activity : PAID_AND_CLOSED ; Balance : {$0.00}. 
Comments/Narratives : CHARGED OFF ACCOUNT, ACCOUNT PAID FOR LESS THAN FULL BALANCE, and CLOSED OR PAID ACCOUNT/ZERO BALANCE. 
Payment history : repeated CO/charge-off codes through XXXX and XXXX XXXX. 
XXXX : XX/XX/XXXX ; Date Reported : XX/XX/XXXX ; Date of Last Activity : blank. 

Showing paid/closed/ {$0.00} while coding monthly CO is logically incompatible and fails CDIA Metro 2 consistency ( Account Status, Payment Rating/PHP, Past-Due/Balance, XXXX XXXX and Date of Account Information must align ). Even if technically accurate, this presentation is misleading in violation of FCRA XXXX81e ( b ) ( maximum possible accuracy ). I disputed and requested a reasonable reinvestigation and Method of Verification ( MOV ) on this tradeline ; Equifax has not corrected the contradictions nor provided a meaningful MOV, contrary to FCRA 1681i ( a ). Once notified, the furnisher ( XXXX ) must investigate and modify/delete anything inaccurate or unverifiable under 1681s-2 ( b ). 

Impact : score suppression, risk of adverse credit decisions, and time/expense to fix errors I did not create. 

Requested outcome ( for company response ) : correct to a single accurate final status ( Paid/Settled {$0.00} balance ) and remove all monthly CO codes that post-date the paid/closed event, or delete the tradeline under 1681i ( a ) ( 5 ) ( A ) if no objective documentary evidence exists ; provide full MOV ( furnishers XXXX  via e-OSCAR, verifier name/date, system used, and XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
Frequent calls very early in the morning or late at night, as well as throughout the day. Abusive and threatening language and comments, argumentative, loud. 
Refusal to send verification of debt. 
Refusal to abide by cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-24 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: MI

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
15 usc1681 section 602 states I have the right to privacy.

15 USC 1681section 604 states A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 RSC 1666B : A creditor may not treat a payment on credit card account an open-end consumer plan as late and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
CFPB Complaint Draft ( Final Notice Style ) FTC Report number : XXXX Company : Credit Acceptance XXXX  Account No. : XXXX Vehicle : XXXX XXXX XXXX  VIN : XXXX XXXX XXXX. : XXXX ( State of Indiana ) Complaint Summary This complaint concerns Credit Acceptance XXXX refusal to honor a settled account and perfected lien. The company is unlawfully retaining interest in my property and misreporting the account. 

I am providing final notice through this filing : Credit Acceptance XXXX has 10 days from receipt of this notice to comply, or I will proceed with enforcement in state court. 
Facts 1. The account has been tendered and discharged through fiduciary settlement and perfected lien ( see attached Bill in Equity and endorsed Payment Due Notice ). 
2. The XXXX Lien and Title Information Report confirms lien balance is {$0.00}. 
3. A XXXX  Financing Statement is filed and perfected, securing my fiduciary claim over all collateral and proceeds. 
4. Despite notice, Credit Acceptance continues to : Hold claim over vehicle chattels ( XXXX XXXX XXXX ) without right. 
Fail to release title and update state records to show lien satisfaction. 
Misreport the account on credit bureaus as active/delinquent when in fact it is settled. 



Relief Requested Credit Acceptance must, within 10 days : 1. Pay the lien amount in full to the secured party ( Trust estate ). 
2. Release all chattels, including vehicle title, free and clear.

3. Update all credit reporting to reflect Account Closed/ Paid / Satisfied. 
4. Correct Indiana XXXX  records to show lien satisfaction and clear title. 



Final Demand Failure to comply within 10 days will result in : Court enforcement through the Bill in Equity already prepared for filing in XXXX XXXX XXXX XXXX. 
Default enforcement of the perfected XXXX XXXX against Credit Acceptance, its trustees, and agents. 
Additional claims for damages caused by unlawful reporting, wrongful lien retention, and impairment of trust property. 



Filed by : XXXX XXXX, XXXX XXXX XXXX XXXX Cosmic Irrevocable Living Trust Upload as exhibits : XXXX XXXX Report ( {$0.00} balance ). 
XXXX XXXX XXXX ( certified ). 
Payment Due Notice ( endorsed ). 
Bill in Equity ( to show the CFPB youre already preparing legal action ).

Company response to consumer: Closed with explanation