vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
( 609 ( a ) ) You have the right to request a free copy of your consumer report once every 12 months from any consumer reporting agency The law requires that a consumer reporting agency must provide the requested information within 15 days of receiving your request.they have failed to comply which is a violation of my rights to FCRA

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 2025-08-16 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: MI

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MI

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

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

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

Company 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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I opened a checking account with Ally Bank, an online-only banking company on XX/XX/XXXX. Today, XX/XX/XXXX, I attempted to withdraw my funds from the account. Because the company is an online-only bank, I was required to use XXXX of XXXX methods for withdrawing funds provided. Firstly, I attempted to use the XXXX option. I received a generic error and the transaction failed. I called Ally shortly after, around XXXX XX/XX/year> and was informed that there is a bank-wide outage of XXXX availability. Secondly, I requested a wire transfer to an external checking account. I verified my identity with the online tool and submitted the request at XXXX XX/XX/year>. By XXXX there was no update from the Bank XXXX I called and was informed that the wire was not being processed, which I was not notified of, and that for identity verification purposes Ally would need to contact the receiving institution to verify my identity. At this point of course the Wire could not be completed same-day. Lastly, I attempted an XXXX external transfer to a linked checking account online. After submitting this request I received an email saying my account had been locked due to suspicious activity, presumably due to my multiple attempts to access funds. 

Ally Bank has failed to uphold its role in providing reasonable policy for consumer protection. By not maintaining functional methods of debiting funds, they have violated Regulation XXXX ( XXXX XXXX ) which requires that reasonable care be exercised to ensure XXXX transactions are processed. Their support has provided no reasonable resolution to allow funds to be debited, and as of my writing this my account is locked with no way to access funds within. 

I am seeking a prompt resolution and rectification of my account status with Ally Bank. I want immediate access to my funds through XXXX of the XXXX channels allowed by the bank.

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 2025-08-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX\nDOB: XXXX | SSN: XXXXDate: XXXXnExperian\nXXXX XXXX XXXX\nXXXX, TX XXXX13\nRE: Dispute of Inaccurate Reporting  Capital One & Kikoff Accounts\nTo Whom It May Concern,\nI am disputing the following accounts due to factual inaccuracies on my Experian credit file:\n1. XXXX XXXX XXXX  Acct #XXXX\nBalance of XXXX vs. High Balance of XXXX (impossible).\nPast due balance listed after charge-off (improper reporting).\nLast Activity XXXX conflicts with Last Payment XXXX.\nContinuous CO (charge-off) notations every month after account closure  misleading and inaccurate.\n2. XXXX XXXX XXXX XXXX  Acct #XXXXnHigh Balance reported as XXXX here, but XXXX at XXXX.\nClosure remark listed as Closed due to inactivity, while other bureaus report Canceled by creditor.\nMissing Last Activity date entirely, but still reporting a Last Payment XXXX.\nReports late payments on an account shown as Paid/Closed.\n3. XXXX XXXX XXXXnHigh Balance reported as XXXX here, while TransUnion lists XXXX and XXXX XXXX.\nAccount type listed as Personal Loan Companies, but other bureaus classify it differently.\nStatus remark inconsistent: Unpaid balance reported as a loss by the credit grantor.\nPayment history shows OK until XXXX, then sudden progression of XXXX XXXX XXXX XXXX XXXX XXXX, while other bureaus show gaps or no history.\nNo Last Activity date reported, inconsistent with other bureaus.\nThese discrepancies violate FCRA 1681i. As these accounts cannot be verified with maximum possible accuracy, I demand immediate deletion.\nSincerely,\nTrianna Williams'

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 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unverifiable information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items directly with Experian in writing, but they have failed to properly investigate as required by FCRA 611 ( a ), and they have not provided any documentation to support the continued reporting of these entries. 

My Experian credit report contains XXXX addresses that do not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have never lived at these addresses, received mail there, or been associated with them in any way. Under FCRA 607 ( b ), a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy. Keeping these unverifiable addresses on my file increases the risk of mixed files, where another individuals accounts or derogatory information could be linked to my profile. 

In addition, my report contains an unauthorized hard inquiry from XXXXXXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit with this creditor, nor did I give them permission to access my credit report. This violates FCRA 604 ( a ) ( 2 ), which requires a permissible purpose for any credit inquiry. Experian has not provided any signed application or proof of my consent, yet they continue to report this inquiry, which is harmful to my credit score. 

There is also an unauthorized inquiry from XXXX XXXX XXXX XX/XX/year>. I did not initiate any application for credit with this company, and there is no permissible purpose for this inquiry under the law. Experian has failed to delete it despite my written dispute, which violates FCRA 604 ( a ) ( 2 ) and 611.

These violations have caused measurable harm, including a lowered credit score, increased borrowing costs, and emotional distress. Experians refusal to remove unverifiable and inaccurate information demonstrates willful noncompliance with the FCRA. I am requesting that the Consumer Financial Protection Bureau investigate Experians handling of my disputes, require the removal of the wrong addresses, delete the unauthorized inquiries from XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX and take appropriate enforcement action to ensure Experian complies with federal law.

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 2025-08-16 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:
Capital One Bank offers early paycheck access, also known as early direct deposit, which give clients access to their funds up to 2 days sooner. I was supposed to receive my direct deposit on Wednesday, XX/XX/XXXX for the early direct deposit, but did not receive it. I spoke with capital one on Friday, XX/XX/XXXX at XXXX to file a claim. I called again the same day at XXXX for an update. The Capital One Bank representative told me the direct deposit was " missing '' and despite verifying the direct deposit information with both my employer and capital one the direct deposit was somehow " lost ''. The Capital One Bank representative told me they would be able to provide a " previsionary credit '' on XX/XX/XXXX. I don't believe a XXXX week waiting period for this matter is appropriate. The direct deposits are what I live off of paycheck-to-paycheck to support myself and dependents. I also have an auto loan and multiple credit cards with Capital One Bank that can not be paid on time, which results in accruing interest and late fees. Not to mention other bills that will be late. This matter is extremely time sensitive and investigation needs to be expedited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

Therefore under FCRA and FTC these items needs to be removed and disaccociated from my report immediately. It is a major violation of the FCRA * * All these items will be required or under FCRA these illegal items must be removed within 30 days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX $ Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your help to delete unauthorized accounts from my credit report. I never created them and received no notification of their existence. Following USC 1681g, Im requesting their removal within 15 days. Ive provided the necessary documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 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: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX Chime Subject : Dispute Regarding Account Closure and Unauthorized Transactions To Whom It May Concern, I am writing to formally dispute the closure of my account and the removal of funds that occurred while I was incarcerated XX/XX/XXXX through XX/XX/XXXX. The transactions in question were made using my account and debit card during a period when I was in prison and, therefore, had no physical access to my card or account. 

Upon my release, I submitted documentation verifying my incarceration dates, which clearly show that I could not have made any purchases or withdrawals during that time. Furthermore, law enforcement has reviewed the matter and determined that the transactions were fraudulent. 

Given the circumstances, I find it deeply concerning and unfair that my account was closed and my funds removed despite the overwhelming evidence proving I was not responsible for these charges. I am requesting a detailed explanation of : 1. Why my account was closed under these circumstances.

2. Why the fraudulent transactions were not reversed despite proof of my incarceration and the police determination of fraud.

3. What steps the bank intends to take to correct this matter.

I expect this issue to be addressed promptly and thoroughly. Please consider this letter my formal notice that I will pursue all available legal and regulatory avenues if the matter is not resolved in a timely and satisfactory manner.

I look forward to your prompt written response within 10 business days, as required under applicable banking regulations. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-16 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief