vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2025, I authorized a payment of {$120.00} to a company. However, the company charged me twice, withdrawing an additional $ XXXX that I did not authorize. 
I immediately contacted my bank, Ally, and they investigated. They returned the money to me and did not state that this was a provisional credit. At no point was I clearly informed that the credit could later be reversed. Nearly four months later, in XX/XX/2025, Ally suddenly reversed the credit and debited my account by about {$370.00}, putting my account into a negative balance. I did receive a letter around that time, but not at the beginning of the investigation, which I believe was unfair and misleading. I was never given timely or clear notice that the funds were provisional, so I had no reason to set aside money for a potential reversal. Following this, Ally froze my savings account, which I rely on for essential payments such as my car payment and bills. When I called, different representatives gave conflicting information : some said the account was only restricted due to the negative balance, while others told me it was fully frozen. As of today, I can not access my own funds, can not use XXXX, and can not make necessary bill payments. I believe Ally has handled this situation unfairly and without proper communication. They failed to notify me in a timely and transparent way that the credit was provisional, waited months to reverse the funds, and then froze my account, leaving me unable to pay essential expenses.

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 2025-08-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XX/XX/year> I sent a certify letter to the company to fully validate the alleged debt, and they didn't properly validate the alleged debt. On XX/XX/year> I sent a certify notice of non response and failure to validate alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB-XXXX SSN:XXXX  XXXX Experian XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Subject : Fraudulent Accounts - Request for Removal To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft. The following accounts have been erroneously listed on my credit report and are not authorized by me : Account : XXXX XXXX Account number:XXXX OpenedXXXX Amount : {$2900.00} Account : XXXX XXXX  Account number : XXXX Date opened:XXXX Amount : {$520.00} Account : XXXX XXXX Account number : XXXX Date opened:XXXX  Amount : {$0.00} Account : XXXX XXXX Account number:XXXX Opened:XXXX  Amount- {$1100.00} I kindly request that these accounts be investigated and removed from my credit report as they are fraudulent. Attached are copies of my identity theft report and any supporting documents for your reference. 
Also all inquiries listed in my FTC REPORT BE REMOVED AS WELL. 

Please confirm in writing once these accounts have been removed. Thank you for your prompt attention to this serious matter. 

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 2025-08-22 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: GA

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 2025-08-22 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: GA

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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: ZuntaFi Corp
State: NY

Complaint narrative:
Hello, I opened an loan with ZuntaFi in XX/XX/2021 for two semesters at XXXX XXXX, I wanted to take out a loan on a 9 % indexed rate. The total amount of {$30000.00}. When, I spoke to the loan company they assured me that the loan rate was fixed. I however checked my loan details currently and it shows around a 13.75 % interest rate. I did not agree to these terms and conditions. I feel defrauded and scammed. This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC

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 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 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: VA

Complaint narrative:
I recently review a copy of my credit report and notices I had fraudulent accounts on my reports. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against JPMorgan Chase Bank for its unlawful and unethical practice of placing holds on deposited checks without making the legally required portion of the funds available.

Under the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) and Regulation CC ( 12 C.F.R. Part 229 ), banks are required to make the first {$220.00} of a check deposit available by the next business day ( increased from {$200.00} as of XX/XX/year>, adjusted for inflation ). This is a clear federal mandate to ensure consumers have prompt access to at least a minimum portion of their deposits.

Despite this requirement, Chase repeatedly places holds on deposited checks and fails to release any portion of the funds by the next business day. This is not only a violation of Regulation CC but also an unethical practice that unfairly harms consumers who rely on these funds.

This appears to be a common and systematic practice by Chase, which must be investigated and stopped. I request that the CFPB take immediate enforcement action to ensure Chase complies with federal law and ceases withholding the required funds availability from consumers.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute of an unauthorized account that has been reported under my name. I have no involvement with this account and never authorized its creation or use. Its presence is false and harmful to my financial record.

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 2025-08-22 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: GA

Complaint narrative:
Kindly remove these unauthorized accounts from my credit file, as I never approved or opened them and was unaware of their presence. Pursuant to USC 1681g, I ask that they be deleted within 15 days. Relevant documents are attached for review.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, a collection agency contacted me on or around XX/XX/XXXX in an attempt to collect a debt of {$200.00}. The debt was for termination charges from XXXX as they attempted to collect this amount from me in XXXX. I disputed the amount with XXXX in XXXX. Once I received the notice from XXXX XXXX XXXX, I submitted my dispute to them along with the reasons for the dispute and a request for the debt to be substantiated with a copy of a signed agreement with XXXX. 

I received two emails back from XXXX. The first an Auto-Reply stating they have my dispute and will be in touch. The second stating they had my dispute and that all collection efforts were stopped. They stated that they would escalate the matter with XXXX for review an investigation. Once they get a response, they would get back with me. I then heard nothing further from XXXX or XXXX. 

On XX/XX/XXXX, I received an email from a new debt collector named TrueAccord. They made the same request as XXXX XXXX XXXX demanding payment of the {$200.00}. The email did include the instructions on how to dispute the debt. At the time I clicked on the Dispute This Debt link, I thought it was the same debt collector that contacted me back in XXXX. It was only after I submitted the my dispute electronically that I noted the difference in the name of the collection agency.

It is my understanding that the Fair Debt Collection Practices Act requires all collection efforts to cease once a consumer disputes the debt and that collection efforts can not resume until the debt
has been substantiated. In this case, XXXX XXXX XXXX never substantiated the debt after receiving my written dispute. The dispute was submitted well within the required 30 day response timeframe. Transferring the debt to TrueAccord does not remove the stay on collection efforts and TrueAccord is bound by the same rules as required by the FDCPA.

The email sent by TrueAccord was an effort to collect this debt without providing the requested substantiation of the debt and thus, a violation of the FDCPA.

I am attaching copies of all emails, my original dispute filed with XXXX and attachments to that response. As for TrueAccord, I responded to them as mentioned, via their website. I do not have a copy of that response as their site did not offer a way to copy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by XXXX TransUnion, and XXXX  for the following accounts : XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Depted XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Depted XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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