vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Subject : Urgent Follow-Up : Catastrophic Account Restriction and Required Remediation To Whom It May Concern, I am writing regarding my Ally bank account, which has been escalated multiple times over the past three weeks. I am exhausted, and I need a final, definitive resolution.

My return to Ally Bank was prompted by a solicitation and a specific assurance : that the historical issues between Ally and XXXX, which originally prompted me to leave, had been permanently corrected. I was assured I would face no further difficulties. 

It is profoundly disappointing, therefore, that from the moment I attempted to re-establish my XXXX service, I encountered identical and persistent errors. As documented in the screenshots I provided, your system prevented me from managing my contact information. Despite my immediate reporting of this issue, the subsequent handling has not simply been ineffectiveit has been catastrophically destructive. 

An account that was once fully functional and unrestricted has been systematically ruined. The individual ( s ) assigned to my case have managed to permanently restrict my primary phone number, which I have held for years, and my most private email address. The gravity of this error can not be overstated.

This is not an abstract inconvenience. I have funds in transit to that phone number and critical digital settlements destined for that email. I am now completely severed from my own finances with no means of recovery, as the very departments needed to correct this are inaccessible to me.

I have been patient. I have been told repeatedly that a resolution was imminent, only to have the situation worsen. My health is poor, and the immense stress of this ordeal, coupled with the severe economic impact of being locked out of my assets, has taken a debilitating toll. Your companys failure has directly exacerbated my condition.

Therefore, I require the following : 1. An Immediate Plan : A detailed explanation, in writing, of how you will permanently fix this situation and restore full access to my restricted phone number and email.

2. Direct Communication : A phone call from a senior representative with the authority to resolve this during our conversation.

3. Formal Documentation : A formal letter of apology and a summary of the resolution, sent both via email and physical post to my home address.

Given the previous commitment of a 0-2 business day resolution this past weekend, I expect this written communication and a direct phone call no later than XXXXXXXX XXXX XXXX on Wednesday, XX/XX/year>. 

The time for excuses has passed. I trust you understand the severity of this failure and will act accordingly to restore both my account and my confidence. 

Sincerely, XXXX 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 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am submitting this complaint for the fourth time regarding an auto loan account with Ally that has been mishandled, improperly reported, and followed by harassing debt-collection communications. I am requesting immediate CFPB investigation and full removal of this account from my credit reports.

1. Background of the Incident My vehicle was stolen, crashed, and deemed a total loss. At the time of the theft, all payments were current and up to date. The car was not in my possession as the police report states.

I contacted Ally immediately and was told : They would contact the tow company, They would send someone to assess the vehicle, and They would follow up with the results and insurance status.

I never received any correspondence, updates, or determinations regarding insurance coverage or valuation, despite multiple attempts to reach Ally by phone and through their app.

2. Repeated Attempts to Resolve I have submitted : A police report, All communication records, and Several dispute requests.

This is my fourth dispute, and Ally has still not provided any documentation, updates, or proof that the account is being handled properly under federal law.

3. Harassing and Unlawful Communications I am receiving numerous harassing calls from debt collectors regarding this account, despite it being in active dispute and tied to a stolen vehicle incident.

Under the FCRA 623 ( a ) ( 3 ), a furnisher may not continue to report information without noting that the account is disputed.

Additionally, under the FDCPA ( 15 U.S.C. 806 & 808 ), debt collectors are prohibited from : Harassing or abusing consumers with repeated phone calls, Engaging in unfair or unconscionable means to collect a debt.

They are also required under 15 U.S.C. 1692c to restrict communication at inconvenient or excessive frequency.

These standards are not being followed.

4. Retaliation After Filing Prior CFPB Complaints Ally failed to respond to multiple attempts to contact them over the phone and through their app.

However, after submitting a prior CFPB complaint, I suddenly received negative reporting and increased collection activity.

Under the FCRA 623 ( a ) ( 1 ), furnishers must provide information that is accurate and not misleading, and retaliation or punitive reporting after a complaint violates the spirit of the law and may constitute unlawful adverse action.

Creditors are also prohibited from taking any adverse action in retaliation for a consumer exercising their rights under consumer protection laws.

5. Harm Done Allys failure to : Investigate properly, Communicate about insurance status, Respond to disputes, Accurately report the status of a stolen/total-loss vehicle, and Cease collection harassment, has resulted in severe and ongoing damage to my credit, emotional distress, and financial harm.

This account should not be reporting at all, and Ally has not acted in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts COLLECTION Account Number : XXXX Date : XX/XX/XXXX Balance : {$300.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/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 2025-11-17 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: AZ

Complaint narrative:
I am filing this complaint because Experian is reporting a charge-off from XXXX CARD that is not accurate and has never been properly verified. This account is being shown as a completed charge-off with a fixed balance, yet nothing about the way it is displayed matches the records I have kept over the years. I reached out to Experian to explain that the information was inconsistent, but every time I tried to dispute it, the investigation felt automated, as if my concerns were brushed aside without anyone actually reviewing the details. 

I have been educating myself on how charge-offs are supposed to be reported under federal law, especially when it comes to the accuracy requirements that furnishers and bureaus must follow. What I learned made this situation even more upsetting. A charge-off can only appear if the creditor truly has documented proof that the debt existed exactly as they claim, and Experian is supposed to ensure that only verified and precise information appears on my file. Instead, this inaccurate entry has been allowed to sit on my credit report, affecting my score and creating a false image of financial irresponsibility. It has affected everything from loan approvals to basic financial opportunities, all because XXXX incorrect record was treated as fact.

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 2025-11-17 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: NC

Complaint narrative:
I am requesting that Experian conduct a full reinvestigation into the charged-off accounts, inquiries, and late payment entries. Some of these accounts and inquiries appear inaccurate or unverifiable, and I would like to confirm their accuracy. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$890.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$710.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} Please verify : Balance amounts Charge-off dates Account ownership and status If any of these can not be verified, I request their removal. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Please verify the authorization for these inquiries. If no documentation exists to confirm they were authorized by me, I request their removal from my report. 

LATE PAYMENTS DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please verify the late payment history for these accounts. If the furnisher can not provide proof of the delinquency, I request their removal from my credit report.

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 2025-11-17 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: MS

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-11-17 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 am submitting this formal complaint to request an immediate investigation into multiple inaccurate and unlawfully reported items appearing on my consumer report. These errors are causing significant harm and directly violate the Fair Credit Reporting Act ( FCRA ), which requires all information furnished on a consumer report to be accurate, verifiable, and reported with maximum possible accuracy. 

Below are the items being reported inaccurately : XXXX. Wrong Address Reporting The following address is being reported on my consumer file even though I have no connection, no residency history, and no authorization linked to it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WRONG ADDRESS This address is false, unverified, and must be removed immediately. Its presence on my report suggests a failure to properly match identity information, which is a direct violation of FCRA 607 ( b ) & 609.

2. Unauthorized / Unverified Hard Inquiries The following hard inquiries have been reported without my authorization, consent, or knowledge. I have never applied for credit with these entities on the dates listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry ( Unauthorized ) Under FCRA 604 ( a ) ( 3 ), a hard inquiry may only be made with permissible purpose. These companies have not provided any such permissible purpose, therefore these inquiries are in violation of the law and must be removed.

Requested Resolution I am requesting the CFPB to : Investigate the credit bureaus and furnishers involved in the reporting of this false address and unauthorized inquiries. 

Require immediate deletion of the wrong address from my consumer report. 

Require removal of all inquiries that can not be fully verified with documented proof of my consent. 

Ensure the credit bureaus comply with their FCRA obligations for accuracy, verification, and proper consumer identity matching. 

These errors are materially damaging my credit standing and exposing me to potential fraud. I expect a full investigation and written confirmation of corrective actions. 

Thank you for your prompt attention to this matter. 
I request full compliance within the timelines required under applicable federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Issue : Deferred interest charged after promotional plan ended What happened : I financed furniture through XXXX using a promotional deferred-interest financing plan through their credit partner. I believed that interest would only apply to any remaining balance after the promotional period ended. I did not understand or clearly receive notice that interest would be retroactive from the original purchase date if the balance was not fully paid off by the expiration date. 

When the promotional period ended, I was suddenly charged approximately {$10000.00} in deferred interest all at once. This was unexpected, excessive, and financially harmful. I was prepared to pay the remaining balance immediately and have consistently made on-time payments. 

I contacted the credit issuer and explained the situation. I requested : XXXXReinstatement of the promotional financing terms, or XXXXRemoval of the retroactive deferred interest, or XXXXA reasonable courtesy adjustment or settlement. 

They refused to offer any assistance, despite my good payment history and willingness to pay the remaining balance in full. 

Why this is unfair : I did not receive clear, timely communication that interest would be charged retroactively from day XXXX. The size of the charge is disproportionate and punitive. Deferred-interest financing is often confusing by design, and I am filing this complaint because the lender is unwilling to work with me at all to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have made multiple attempts to dispute inaccurate, outdated, or unverifiable information on my credit report concerning the following account ( s ) : Creditor XXXX XXXX XXXX XXXX Account Number : XXXX Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Despite my written disputes and supporting documentation, the credit bureau and/or data furnisher has failed to comply with several sections of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations include : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ) Verification via unverifiable or automated systems such as e-OSCAR rather than direct confirmation ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) ) Reporting of inaccurate or incomplete data knowingly or negligently ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of privacy documentation or permissible purpose to hold or reinsert data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Despite receiving all required documentation ( government ID, proof of address, police/FTC report where applicable, and highlighted credit report ), the bureau has not : Provided sufficient verification from the original creditor Proven any permissible purpose for reinsertion Ceased reporting false or duplicated items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have made multiple attempts to dispute inaccurate, outdated, or unverifiable information on my credit report concerning the following account ( XXXX ) : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Creditor : THD/CBNA Account Number : XXXXXXXX XXXX  Account Number : XXXX Despite my written disputes and supporting documentation, the credit bureau and/or data furnisher has failed to comply with several sections of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations include : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ) Verification via unverifiable or automated systems such as e-OSCAR rather than direct confirmation ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) ) Reporting of inaccurate or incomplete data knowingly or negligently ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of privacy documentation or permissible purpose to hold or reinsert data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Despite receiving all required documentation ( government ID, proof of address, police/FTC report where applicable, and highlighted credit report ), the bureau has not : Provided sufficient verification from the original creditor Proven any permissible purpose for reinsertion Ceased reporting false or duplicated items

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WHEELS FINANCIAL GROUP, LLC.
State: SC

Complaint narrative:
I entered into a title-pawn loan, not a traditional auto loan. The company has been reporting the account to the credit bureaus as an auto loan charge-off, which is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
REFUSAL TO ACCEPT PAYMENT : XXXX XX/XX/XXXX and XXXX, we were in touch with the XXXX Mortgage servicing team to work on bringing our mortgage current. 
We were told that we could pay XXXX past months payment ( XXXX ) and that the forth month would be spread over the next months. We secured a separate loan of XXXX, the amount we were quoted by the servicing team, and call on the morning of XX/XX/XXXX to confirm that we could pay via our checking account on record. We were answered in the affirmative. Later that day ( XX/XX/XXXX ), after depositing funds into our account, we called back in, the same business day, to make a payment and were told that the payment could no longer be accepted because foreclosure had been initiated. We initiated a follow up request from the research department and received a response ( located in our records ) that there had been no error and that foreclosure had been initiated the same day between the XXXX phone calls. 

We have since filed a complaint with the Florida XXXX XXXX XXXX XXXX ( # XXXX ) regarding what we feel were predatory practices on the day that we indicated a payment would be made, following an offer from the serving team to accept a partial payment and further except the remaining balance over the next 6 month. At no time did we every expect for the offer to bring our delinquent account current to change or no longer be available on the same business day ( XX/XX/XXXX ). I was informed that the account, as of this date, was 122 days delinquent. Our home was referred for foreclosure between my initial call in to confirm we could make payment utilizing our checking account and my call back to make payment. 

As you can XXXX, obtaining the funds needed to bring the account current ( XXXX ) was not without a significant amount of effort and at less than ideal terms. We are asking that this refusal of payment on the same business day be investigated. We have now been informed that our only recourse is to pay a reinstatement amount that is triple the amount we were offered to bring our mortgage current on XX/XX/XXXX -- in the amount of XXXX as of today. We also subsequently attempted to apply for mortgage assistance following denial of acceptance of the payment and were denied due to exceeding the number of allowable modifications. 

We feel as if the refusal to accept our payment on the same business day, after being told the payment option to bring our account current, was predatory in nature and deliberately done to impede our ability to bring our mortgage current and move toward resolve our delinquency.

Company response to consumer: Closed with explanation