vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This is a formal notice and complaint regarding serious and unauthorized actions taken against my credit account ending in XXXX XXXX XXXX XXXXXXXX originally with XXXX XXXX and unlawfully transitioned to Ally Bank without my knowledge or consent. 
Following this unauthorized transfer, the creditor executed an unapproved credit limit change and APR increase on my account. This directly raised my credit utilization ratio, inflated my monthly installment obligation, and caused severe financial hardship. I did not authorize or agree to these changes, and I did not receive legally required advance notice. 
These actions appear to violate the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ) specifically regarding : Unauthorized account modification Failure to provide proper disclosures and obtain consent Adverse impact on my credit report without legitimate basis This account is now in dispute under FCRA 611 and must be treated accordingly. Pending completion of a full investigation, I am demanding : Immediate removal ( temporary deletion ) of this account from all consumer credit reporting agencies to prevent further damage.

Full investigation into the unauthorized transition of my account from XXXX XXXX to Ally Bank. 
Full investigation into the unapproved credit limit increase, APR changes, and resulting financial harm. 
Written confirmation from the creditor that my account terms will be restored to the original agreement prior to these actions. 
Removal of any late payment or negative reporting tied to these unauthorized changes. 
I am willing to provide copies of my account statements, payment history, and correspondence to substantiate this complaint if required. These records prove that the account changes were not initiated, authorized, or agreed to by me. 
Please take note : under the FCRA, creditors and data furnishers have a strict timeline to verify disputed items or remove them from a consumers credit file. I am requesting immediate action to prevent ongoing harm. 
Thank you for your prompt attention to this matter. I expect written acknowledgment of this complaint and investigation status updates within the statutory time frame. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

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 2025-08-09 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX auto payment of XXXX was processed by Credit Acceptance despite a payment arrangement for this payment to be paid at a later date. 

XX/XX/XXXX payment of XXXX was deducted from my XXXX XXXX and sent to Credit Acceptance account despite a payment arrangement made with Credit Acceptance. 

XX/XX/XXXX a provisional credit of XXXX was put back into my account by XXXX XXXX based on my call to them disputing the XXXX payment due to the fact Credit Acceptance had agreed to a late payment for XXXX. ( Claim number XXXX ) XXXX XXXX did was not request the payment to be returned from Credit Acceptance. XXXX XXXX started an investigation XX/XX/XXXX email from XXXX XXXX regarding the claim. 

XX/XX/XXXX- Credit Acceptance reversed the XX/XX/XXXX payment from account but never sent it back to XXXX XXXX. 
Credit Acceptance charged me a {$25.00} late fee despite the payment being paid on time.

The interest on my account started being computed incorrectly XX/XX/XXXX the provisional credit from XXXX XXXX of XXXX was reversed and taken back out of my account. 

XX/XX/XXXX I received the final letter from XXXX XXXX stating they found the payment to Credit Acceptance was valid and therefore that is why the provisional credit was reversed. 

XX/XX/XXXX I paid Credit Acceptance an additional {$370.00} for a repossession cost XX/XX/XXXX I refinanced this loan with another company due to no response on this matter as well as incorrect reporting to the credit agencies. my interest rate doubled due to the incorrect reporting. 

I have faxed and emailed documentation to Credit Acceptance to correct this issue since XXXX of XXXX all the way up to today. All documents attached here have been provided to Credit Acceptance several time. 

XXXX XXXX states that the money was sent to Credit Acceptance. It has not been returned by Credit Acceptance at any time. 

The money was never requested to be returned by XXXX XXXX nor was it ever returned to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX XXXX and fell behind financially. Lost 2 family members and couldnt work due to back procedure. I lost 6-8 weeks of income. I called and was signed up for an economic hardship program however the payment plan I was originally set up for I couldnt afford so I called again and it was reduced. The day I was enrolled in the program I made a payment. That same day I was reported for a {$3.00} missed payment I made a payment. I am a capitol one card holder of 10+yrs and I have never had a 30+ day delinquency. So Im struggling with a XXXX fico drop for {$3.00}. All the while my car burned to the ground and Im needing a new car loan and Im being denied for a recently missed payment and one small loan I can now pay off. I was originally told to dispute it and they would remove it. Now when I call them they dont know who told me that but it can not be done. Further more the day I was enrolled in the program I made a payment. Im struggling financially, XXXX  and physically. Where is the human decency in a XXXX XXXX  corporation to help with a {$3.00} dollar missed payment? Im struggling with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Accounts are not being updated to paid as agreed according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, it has come to my attention that I have double reporting with XXXX  on my Jared credit line. They have been informed of this and it was removed for a month and added back on. This is a clear violation of my rights and would like both accounts deleted and all associated late payments deleted as well. This has made it impossible to get a car and house. I have reached out to a lawyer and he is asking me to file and if not launch a lawsuit. I would like this information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX and reflected on my report with Equifax Information Services LLC. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with Equifax Information Services LLC., requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, Equifax Information Services LLC responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like Cushman v. Trans Union Corp. 
Additionally, the actions of Equifax Information Services LLC and XXXX XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

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

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 2025-08-08 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:
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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I purchased a cruise package, I had to cancel it, and the XXXX agent told me that there was no problem because I had paid insurance for the trip, that they would not refund me the money for the trip. Still, they would refund the purchases of the extra packages I made, and that the insurance would refund me the money. 
When I contacted the insurance company, they told me that my reasons for cancellation were not approved. 
I then initiated a dispute with Capital One to request assistance in resolving the issue. A case was opened. 
They asked me for more information by letter, but I never received it. Once I called to inquire about the case, they told me it had been closed due to a lack of information. I sent them the evidence anyway, but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am writing to formally request your urgent assistance regarding an issue with my accounts. 



Today, I visited to Ctizen Bank branches and requested an interpreter to help me communicate with the bank representative. While I did receive assistance, the interpreter did not accurately convey my statements. I clearly informed the interpreter that I have a total of three accounts with Citizens Bank. However, this information was not communicated to the bank representative. As a result, only two of my accounts were closed during my visit.

I still have one remaining account with funds deposited, and I have proof of my deposits. I am unable to access my account online, as the login system states there is no account information for me. 



I kindly request that you : Locate my remaining account immediately. 

Arrange for the closure of this account. 

Send me the remaining balance via check or transfer. 



Please treat this matter as urgent, as I need access to my funds without further delay. I am prepared to provide any identification and documentation necessary to verify my ownership of the account. 



Thank you for your prompt attention to this matter. I look forward to your reply. 



Sincerely XXXX XXXX XXXX phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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