vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint regarding Ally Banks failure to provide accessible customer service and their mishandling of my business auto loan account, which resulted in the repossession of a vehicle during a period of financial hardship. I am a XXXX veteran and the registered agent of XXXX XXXX XXXX XXXX, a government contracting business. Our company experienced a significant disruption in operations due to a government shutdown that delayed critical service authorizations, which are our primary source of revenue. This interruption directly impacted our ability to generate income and meet financial obligations, including a scheduled payment of {$2100.00} due to Ally Bank by XX/XX/year>. I contacted Ally Servicing LLC through their online chat system to explain the situation and request hardship assistance. I clearly stated that I am unable to speak or hear well due to my XXXX and requested communication via email or continued chat. Despite multiple requests, I was told that the only way to resolve the issue was by phone. No ADA-compliant alternatives were offered, and my need for accommodation was acknowledged but dismissed. Additionally, I discovered that XXXXwo individuals were listed on my business account as authorized contacts. I did not authorize these individuals and requested their removal. The representative initially agreed to remove them but later reversed course, stating they lacked the authority and again redirected me to the phone number I could not use. The vehicle associated with the account was repossessed during this period, despite my efforts to communicate and resolve the issue. I was left without a clear path to dispute the account information or negotiate a resolution due to Allys refusal to provide accessible communication options.

Supporting Materials : Two full chat transcripts with Ally representatives ( XXXX XXXX XXXX and XXXX XXXX ), dated XX/XX/XXXX and XX/XX/year>. 
These transcripts document my requests for XXXX accommodations, the disclosure of unauthorized account contacts, and the companys refusal to provide alternative communication methods. 

Requested Resolution : Investigation into Ally Banks failure to provide reasonable accommodations under the Americans with XXXX XXXX ( XXXX ). 
Removal of unauthorized individuals from my business account. 
Written confirmation of any account changes.

Assurance that Ally Bank will implement accessible communication options for customers with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase placed a full relationship ban on my profile ( checking, savings, and credit cards ). Their fraud department told me they can not explain or reverse it. I believe this is an error, and I am requesting a detailed explanation and a re-evaluation of this decision.

Decision was taken into final decision today before XXXX XXXX XXXX XXXX

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: CA

Complaint narrative:
I am submitting this dispute regarding inaccuracies in my credit report with Experian. Below are the details of the accounts I am disputing : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}

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: Experian Information Solutions Inc.
State: GA

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

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

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. During the months of XXXX, XXXX, and of XXXX, the account was reported as past due. This reporting is incorrect. The balance on this account has since been fully paid, and I am requesting that the credit reporting agencies update the status to reflect that the account is paid. The inaccurate reporting is negatively affecting my credit profile, and I am requesting that the CFPB assist in ensuring XXXX XXXX  corrects this information as required under the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act regarding inaccurate felony information on my background report. 

XXXX is reporting the original felony arrest charges from my XXXX  cases. However, I did not plead to or get convicted of any felonies. The final disposition in court records clearly shows XXXX XXXX XXXX XXXX ( {$200.00} {$1000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX These misdemeanor dispositions replaced the original felony arrest charges as part of a plea agreement. Multiple other consumer reporting agencies reflect the correct misdemeanor charges, proving the correct information is available in the county system. 

Reporting the original felony charges instead of the reduced misdemeanor convictions is inaccurate, misleading, and a violation of FCRA 1681e ( b ) and 1681i, which require accurate and current disposition reporting. 

I request the following : XXXX. Removal of all felony entries. 
XXXX. Replacement with the correct misdemeanor charges. 
XXXX. A full reinvestigation. 
XXXX. A corrected background report issued to me and XXXX Please respond within the legally required XXXX  days. 

Sincerely, XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-17 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revenued LLC
State: CA

Complaint narrative:
COMPLAINT AGAINST : Revenued and XXXX XXXX  ( card issuer ) My Visa Business Card ( last XXXX : XXXX, chip, NO PIN ) was lost/stolen on or before XX/XX/year>. 

I used it ONLY ONCE in its entire history. 

On XX/XX/year> at XXXX XXXX XXXX XXXX XXXX I received fraud transaction emails- Checked wallet card MISSING - Immediately tried to FREEZE card in XXXX  XXXX  FAILED XXXX times ( screenshots attached ) - Called support only voicemail, no XXXX line - Waited until XX/XX/XXXX, XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) agent manually blocked card Fraudulent chip-and-signature transactions : a. XX/XX/year> {$4900.00} XXXX. XX/XX/year> {$4000.00} XXXX XX/XX/year> {$4.00} XXXX XX/XX/year> {$1.00} XXXX XX/XX/year> {$3400.00} XXXX XX/XX/year> {$4600.00} Total : {$17000.00} Revenued denied chargeback, claiming " chip = authorized '' FALSE : - Transactions were SIGNATURE, not PIN - I reported IMMEDIATELY and tried to freeze - Their system FAILED - Police report attempted refused due to " uncertain loss/theft '' ( will refile ) Visa Rules XXXX and XXXX Liability apply when card is lost and reported promptly. 

XXXX Requested : XXXX. XXXX XXXX XXXX  to file chargeback with XXXX XXXX. Cancel all charges, interest, fees XXXX. Stop collections and credit reporting XXXX. Investigate XXXX  broken freeze function and lack of XXXX support Attachments uploaded : - Fraud emails ( XXXX XXXX XXXX ) - Screenshots : Freeze failed XXXX times - Call logs + voicemail - Manual block confirmation - Statement - Appeal letter to Revenued ( sent XX/XX/year> ) This violates FCRA , TILA, EFTA , and Visa Rules. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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: 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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-17 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: 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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: VW Credit
State: MO

Complaint narrative:
Loan was opened without my knowledge in XXXX of XXXX, I Filed a fraud report and sent it to the lender, they rejected the fraud report and are continuing to attempt to collect on a fraudulent debt, even after asking them to stop contacting me

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a dispute regarding multiple accounts and inquiries listed on my credit reports with the XXXX major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). I believe these accounts contain errors and I am requesting a thorough investigation and correction of the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance : {$10000.00} XXXX  XXXX Account Number XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I am writing to dispute a fraudulent transaction in the amount of {$430.00} that has appeared on my account. The business listed in the transaction is not legitimate, and the individual or entity responsible is falsely representing themselves as XXXX. 
I contacted the real XXXX and spoke with a verified live agent, who confirmed that there have been no transactions or activity on my XXXX account since XXXX. My last legitimate purchase through XXXX was made in XXXX and is paid in full and in good standing. I have provided all documentation supporting this, including proof that the merchant name, address, and phone number associated with this charge are fake and not listed with the XXXX XXXX XXXX ( XXXX  ). The listed phone number is invalid and does not accept incoming calls. XXXX also confirmed that their official contact information does not match the information tied to this charge. 
I have not provided my card information or personal information to anyone by phone, online, or in person. This transaction is completely unauthorized and fraudulent. 
Despite submitting proof and documentation, I have not received any updates or meaningful communication from the company regarding the status of this investigation or when the funds will be returned. The lack of response and delay in addressing this issue has placed me in a significant financial bind, as the {$430.00} was needed for essential expenses. 
I am requesting that you urgently investigate this matter, reverse the unauthorized {$430.00} charge without further delay, and take all necessary steps to secure my account from any additional fraudulent activity. All supporting documents are attached. 
I submitted all my documentation and dispute on XX/XX/XXXX via email. I have not received any updates. I have never had to dispute transactions or deal with anyone stealing my money.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As pert the guidance from the Consumer Financial Protection Bureau CFPB the documents needed are picture ID a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Ive contacted this company regarding a couple of disputes. XXXX {$620.00} and case XXXX XXXXXXXX. I didnt receive a refund and contacted Wells Fargo XXXX I provided all necessary docs and they denied my claim stating I received refunds. I sent and showed a screenshot of the refunds being different items. They didnt care. I will file a small claim against them. 

Also, case XXXX XXXXXXXX. I was incorrectly credit an amount {$190.00} short because the rep didnt hear correctly. I file a XXXX  case and a person contacted me with intent but no results.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have called and visited the bank many times, more than XXXX to either release the funds to my bank account or return the money to the maker of the check. 
This issue has escalated to the point of protest, and I am contacting you to help resolve this issue. 

The bank info and account # are the following XXXX XXXX XXXXXXXX complete checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX help, as the check was deposited and cleared on XX/XX/year> I have a copy of the check that cleared on XX/XX/year> Chase Bank is stealing my XXXX. I understand, this is their policy to hold billions of dollars for up to XXXX  years with no recourse and hide behind a wall of bureaucracy.

Company response to consumer: Closed with explanation