vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I sent a debt validation letter to ALLY FINANCIAL Account Number XXXX over a month ago. 
Mail Current Status - Mailed ( XX/XX/year> XXXX AM ) Letter Mailed Date and XXXX - XX/XX/year> XXXX AM Pass through - Certified Recipient Address - XXXX XXXX XXXX XXXX, MN XXXX I attach proof that this letter was received by them. Under the FCRA Credit Reporting Rules, if the debt can not be verified, you must delete the debt from your credit report if it's disputed and they can't verify it. They only have XXXX XXXX to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX took over {$20000.00} from my account thst they had billed $ XXXX for XXXX XXXX and after trying unsuccessfully to deal with XXXX, I contacted wells Fargo snd reported that they had allowed XXXX to take an abnormal amount of money from my account. My budget has been around $ XXXX for XXXX XXXX with great success. After a " courtesy call '' from a XXXX representative who had me change settings in my account to appease their algorithm. She had me change budget settings I argued with and changed back after finishing the call because she tried ro tell me that checking rhe " dynamic search '' box would not show my ads outside of my region but I knew better, but the fact that she tried to convince me of a lie. After a few days I noticed XXXX had charged me {$500.00} twice in XXXX XXXX and my budget only allowed a charge every XXXX days at the most. I disputed with XXXX with no luck and got wells Fargo to reverse the second charge. I checked my settings again and the same box had been checked again so I again unchecked it and saved. I forfot about it since I knew for sure my budget settings were back to what worked for XXXX XXXX XXXX XXXX later they had taken over {$20000.00}. They refuse to pay me back saying that the account settings were changed from within my account, as if they can't access it without me. But wells fargo refused to reimburse me for this as they always have even though the money us insured and costs them nothing.

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 2025-06-27 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Credit Report Hard Inquiries For Auto Loan : On XX/XX/year>, I gave XXXX XXXX XXXX, Illinois consent to pull a credit report for car purchase purpose. On XX/XX/year>, checking my credit report revealed total of XXXX hard credit inquiries. Only XXXX hard pull should have been valid which is XXXXXXXX XXXX XXXXXXXX. The hard inquiries in question that should not be on my credit report are GM Financial, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. COMPLAINT : Upon the initial auto application, I had expressed verbally to the salesman that only XXXX credit lender/loan pull highly desired. My XXXX  credit score of XXXX according to copy given to me ( attached ) by XXXXXXXX XXXX XXXX, ACTION : I had notified XXXX on XX/XX/year> via telephone of this issue and was told to contact each of the creditor ( above ) as well XXXX XXXX XXXX, Illinois. XXXX of the creditors above said XXXX XXXX XXXX, Illinois pulled the credit. There were no results with any and all XXXX creditors. I relayed this unresolved issue to XXXX On XX/XX/year>, I called XXXX for an update and was told to contact FTC and send them a copy of this complaint to them by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
I have repeatedly notified TransUnion of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights

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 2025-06-27 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A claim was filed by the sender of a XXXX payment you received on XXXX, for {$300.00}. As a result of the claim, your account ending in XXXX was debited {$300.00} on XXXX. 

Your Capital One bank accounts were reviewed as a result of this claim, and its been determined that there is activity thats inconsistent with typical customer account usage. As a result, your accounts are now restricted because we need to complete a more detailed investigation. The email or phone number associated with your XXXX account was also restricted which will prevent you from using it to send or receive money with XXXX for now. 

Please call us at XXXX as soon as possible to discuss the recent activity. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and on Saturday from XXXX XXXX XXXX XXXX XXXX XXXX. 

Keep in mind : Youll see the debit reflected in your account transaction history and on your monthly statement. Be sure to make any changes or updates to pre-scheduled payments or transfers that might be affected due to the change in your account balance. 
While your account is restricted, it will earn interest if applicable, and you can deposit money. However, a restricted account will prevent you from withdrawing money, initiating new transactions or completing pending transactions. 

That is the email they sent me on XX/XX/XXXX and after I have called them to resolve issue they tell me they can't help me because they used AI to handle this claim and can't give me a date when I will be able to withdraw my money to pay my mortgage and car payment. I spoke with XXXX agent ID XXXX a supervisor on XX/XX/25 to get more information and again they told me they don't have an estimated time for me to get my money to pay my bills. I don't want my credit to be affected by late payments since I can't use my money to pay my obligations. The person who did the charge back was already paid his {$300.00} and money subtracted from my account. Please help me get my funds to pay my credit obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies

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 2025-06-27 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: TN

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! 

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 2025-06-27 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am formally disputing all inaccurate, unverifiable, or misreported information contained in my credit file. This dispute is being made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, and the Metro 2 reporting standards which require complete, accurate, and verifiable reporting of all data.

The claims of delinquency and derogatory reporting must be supported by tangible, verifiable documentation that proves the accounts existence, the accuracy of the data reported, and the legal basis for its inclusion in my report. If this documentation can not be provided, you are legally obligated to DELETE the item from my file and provide me with a copy of the updated report. 

I hereby authorize the mailing of all documentation regarding the results of this dispute. 

The following personal information is being disputed : Employer XXXX Incorrect Name XXXX XXXX Incorrect Name I XXXX XXXX XXXX Employer XXXX XXXX  XXXX Incorrect DOB XXXX Employer XXXX XXXX XXXX The following collection account is being disputed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following inquiries are being disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX also want to formally address your pattern of issuing automated, template responses to consumer disputes. Failure to conduct a proper reinvestigation based on the specific claims raised in a dispute is a direct violation of FCRA 15 U.S. Code 1681i ( a ), which mandates that every dispute must be reviewed based on its own merits. Disregarding this and issuing pre-written, non-specific replies may be seen as willful non-compliance.

All correspondence bearing my name has been personally written, reviewed, and submitted by me. If you fail to reinvestigate this matter in good faith, I will consider it a violation of my consumer rights and will not hesitate to escalate the issue through legal means, including but not limited to filing complaints with the CFPB, FTC, and seeking private legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX U.S.C. XXXX : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XX/XX/XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ ONLINE IN SV ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, XXXX, XX/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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB CARD SERVICES is reporting inaccurate information under following account numbers : JPMCB CARD SERVICES - XXXX JPMCB CARD SERVICES- XXXX JPMCB CARD SERVICES XXXX I do not recognize these accounts and disputes accuracy. No notice of negative reporting was received. This is a violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). We request its deletion from the consumer 's credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 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 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 2025-06-27 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency XXXX only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency XXXX make any consumer report containing any other adverse item of information, other than records of convictions of XXXX, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation