vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I transferred XXXX on XXXX XXXX from my XXXX XXXX account to open an account at Ally Bank. 

On XXXX XXXX, XXXX I received an email from Ally Bank that my tax documents were ready. However, I was unable to log into my account and I was locked out. 

I made numerous phone calls to Ally Bank in XX/XX/XXXX to try to gain access to my account. Somehow Ally Bank deemed these calls as fraudulent and would not give me any information about my account. 

Finally in XX/XX/XXXX, I was able to speak to XXXX in the fraud department. My reference number for this call is XXXX XXXX XXXX. He told me that Ally Bank had deemed the account as fraudulent and had removed the money from my account and was holding it at Ally Bank. XXXX advised me that the only way to retrieve the money was for XXXX XXXX to pull it back from the account. XXXX XXXX advised me that too much time had passed and that Ally Bank would have to transfer it back to my account. 

I have sent the fraud department at Ally Bank an email advising them to transfer the money, attached a screenshot ot the original transfer and copied XXXX XXXX on the email. Neither bank responded to the email.

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 2025-05-06 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: V and H Portfolio
State: TX

Complaint narrative:
After careful review, I realized the account listed on my credit report for Van & Huffman LLC ( original creditor : XXXX XXXX XXXX ), never provided me with a 1099-C for the written off debt.

Per the Internal Revenue Service, a creditor who cancels ( writes off, discharges a debt ) of {$600.00} or more, is required to furnish a Form 1099-C to the debtor and the IRS by XXXX XXXX  of the year following the calendar year in which the debt was cancelled. This was never provided. This applies even if the debt was sold to another company. The sale of the debt to Vance & Huffman did not relieve the XXXX XXXX from their duty to provide a 1099-C. Failure to provide this information may result in penalties from the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing in response to your collection that has been added to my credit report, regarding the alleged debt you claim I owe.

This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting that you provide full and complete validation of the alleged debt. Specifically, please provide : The original signed agreement or contract creating the debt A complete itemized accounting of the debt, showing al charges, payments and credits Documentation showing your legal authority to collect on this debt The name and address of the original creditor Proof that the statue of limitation for collecting this debt has not expired An agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe.

Proof of photo Identification ( i.e. drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of the incurring this debt.

Until you provide all requested validation, I respectfully request that you cease all collection activities, including reporting or continuing to report this debt to nay credit reporting agency, as required under 15 U.S.C 1692g ( b ).

Be advised that any failure to properly validate this debt or any continued collection activity without validation will constitute a violation of the FDCPA.

Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: River Heights Capital LLC
State: NY

Complaint narrative:
When I went to check my XXXX XXXX  account on Monday XX/XX/XXXX to do a transfer online, I found out that my funds were put all on hold due to a court order from New Jersey sent to my bank. The judgement date is from XX/XX/XXXX from a credit card debt more than XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXXXXXX, Such, XXXX XXXX XXXX handling this case on behalf of River Heights Capital , LLC. requesting all the written information regarding this matter and they told me they would send it to me by mail. As of today Tuesday, XX/XX/XXXX, I still havent received any written communication from the law office representing River Heights Capital, LLC. Furthermore, haven't lived in New Jersey for over 20 years and moved to XXXX XXXX ever since, which means any written communication sent to that XXXX XXXX XXXX, NJ address was never delivered to me. Again we're talking about 20 years ago. 

I believe that the statute of limitations is already past for this kind of legal actions taken by the XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX representing River Heights Capital, LLC. to collect an old debt from XXXX. 

Sincerity, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting a late payment for XXXXXXXX XXXX  XXXX XXXX * * * * despite the account clearly displaying a {$0.00} past due balance. This discrepancy proves that the reported delinquency is either outdated or entirely inaccurate. Equifax has no legal authority to report a derogatory payment status when no payment was missed, late, or outstanding. It is beyond unreasonable for a XXXXXXXX XXXX XXXX to hold onto derogatory marks that are unsupported by current data. Consumers are being punished financially and reputationally because Equifax continues to report incorrect or unverifiable information without challenging the accuracy of the data provided by furnishers. The long-term damage this causes is unacceptable, and it must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I am submitting this complaint due to fraudulent and inaccurate information appearing on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This inaccurate data includes [ briefly specify the item ( s ), e.g., unauthorized accounts, incorrect balances, or accounts not belonging to me ].

I did not authorize or recognize the following account ( s ) /entry ( ies ) reported on my credit file. Despite my previous attempts to dispute and resolve these errors directly with the credit reporting agency ( ies ) and the furnisher ( s ) of the information, the issue remains unresolved. This is a direct violation of my rights under Section 611 of the FCRA, which grants consumers the right to dispute incomplete or inaccurate information and requires the CRA to investigate within 30 days. 

This fraudulent and erroneous reporting has significantly impacted my life. It has led to : Denial of credit applications Higher interest rates on approved loans Emotional stress and financial hardship Difficulty securing housing and essential services Furthermore, I believe the failure of the credit reporting agencies and/or information furnishers to correct or properly investigate these disputes may constitute willful noncompliance under Section 616 of the FCRA, which allows for damages to be sought. 

I respectfully request a full investigation into this matter, the immediate deletion or correction of all inaccurate information, and appropriate accountability for any entity found to be in violation of federal consumer protection laws. I am also requesting confirmation in writing once this matter has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
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!

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX D.O.B XX/XX/XXXX SSN XXXX After reviewing my credit report online, I've noticed a late payment on one of my accounts. I have never been late on any of my accounts and I know for a fact that this is more than likely a billing error on the company 's part. 
XXXX XXXX XXXX 
Account number XXXX dates reporting late inaccurately XX/XX/XXXX2025. 
I demand that is late payment be reversed and by UPDATED to paid on time never late!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
XXXX XXXX D.O.B XX/XX/XXXX SSN XXXX After reviewing my credit report online, I've noticed a late payment on one of my accounts. I have never been late on any of my accounts and I know for a fact that this is more than likely a billing error on the company 's part. 
XXXX XXXX XXXX 
Account number XXXX dates reporting late inaccurately XX/XX/XXXX2025. 
I demand that is late payment be reversed and by UPDATED to paid on time never late!

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 2025-05-06 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: OK

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the XXXX XXXX Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
XXXX'I am a victim of XXXX. The information listed below, which appears on my credit report,\n is the result of that 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 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 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 2025-05-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint due to Experians failure to block and delete a fraudulent credit card account ( XXXX XXXX  # XXXX ) that was opened because of identity theft. Despite providing Experian with a valid FTC Identity Theft Report ( Report # XXXX ), government-issued ID, and a formal written dispute on XX/XX/scrub> 2025, the account remains on my credit file and was simply marked as " updated '' rather than blocked and removed, as required by law. 
This account continues to reflect multiple Charge-Off ( CO ) remarks even after being labeled Paid in Settlement, which contradicts the Metro 2 guidelines and creates further confusion and damage to my credit profile.

Violations Committed by Experian : FCRA 1681c-2 : Failure to block identity theft information within 4 business days of receiving documentation.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) : Inaccurate reporting due to maintenance of fraudulent data.

FCRA 1681s-2 ( b ) : Failure of data furnisher ( XXXX XXXX ) to verify or delete the account. 
FCRA 1681i ( a ) ( 5 ) ( B ) : Modification or reinsertion of information without proper certification.

FCRA 1681g ( a ) ( 1 ) ( A ) : Experian has not provided proof of a signed contract authorizing this account.

FACTA 1681g ( e ) : Lack of preventive measures to block identity theft-related information.

UDAAP ( 12 U.S.C. 5531 & 5536 ) : Deceptive and abusive retention of fraudulent account reporting.

Harm Suffered : Ongoing negative credit impact XXXX XXXX and XXXX Interference with access to credit and financial opportunities Waste of time and resources due to Experians noncompliance

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 2025-05-06 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:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : [ Tuesday XX/XX/XXXX ] * * To Whom It XXXX Concern : * * * * Equifax XXXX XXXX XXXX * * P.O. Box XXXX, XXXX, GA XXXX * * TransUnion Consumer Solutions * * XXXX XXXX  XXXX, XXXX, PA XXXX * * Experian * * XXXX XXXX  XXXX, XXXX, TX XXXX * * Re : * * Urgent Demand to Correct Fraudulent Late Payments FCRA XXXX * * SSN : * * XXXX | * * XXXX : * * XX/XX/XXXX -- - Under the * * Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) * *, I dispute the following * * material inaccuracies * * on my credit reports and demand * * immediate deletion or correction * * : # # # * * Errors Identified * * XXXX. * * Equifax Report ( XX/XX/XXXX ) : * * - * * XXXX XXXX XXXX  * * ( Closed XX/XX/XXXX ) : Falsely reports * * XXXX late payments * * and labels the account as * * currently late * * despite closure. 
- * * Payment History * * : Inaccurately states * * 90 % * * ( labeled Needs Work ) instead of * * 100 % on-time payments * *. 

XXXX. * * TransUnion Report ( XX/XX/XXXX ) : * * - * * XXXX XXXX XXXX * * : Fraudulently lists * * XXXX late payments * *, reducing my payment history to * * 77 % * * ( Needs Work ). 
- * * Account XXXX * * : Closed on XX/XX/XXXX, but misreported as delinquent. 

* * These late payments are entirely fabricated. I have always paid this account on time. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Demands * * Under * * 15 U.S.C. 1681e ( b ) * *, * * 1681i * *, and * * Metro 2 Compliance standards * * : 1. * * Immediate Deletion * * of all late payments ( 14 on Equifax, 53 on TransUnion ).

2. * * Update Payment History * * to * * 100 % on-time, paid as agreed * * for XXXX XXXX XXXX 
XXXX. * * Correct Account Status * * to Closed by Consumer and remove currently late notations.

4. * * Reconcile Discrepancies * * between Equifax ( 14 lates ) and TransUnion ( 53 lates ), as both can not be true.

* * Failure to comply within 30 days * * will result in : - Formal complaints to the * * CFPB * * ( ConsumerFinancial.gov ) and * * Texas Attorney General * * for FCRA violations. 
- Legal action for damages under * * 15 U.S.C. 1681n * * ( willful noncompliance ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Supporting Evidence * * Enclosed are : XXXX. * * Equifax Report * * ( XX/XX/XXXX ) showing XXXX false lates. 
2. * * TransUnion Report * * ( XX/XX/XXXX ) showing XXXX false lates. 
3. * * Proof of Closure * * ( XX/XX/XXXX ). 
4. * * Bank Statements * * or payment confirmations proving on-time payments ( if available ). 

* * Note * * : If you can not verify these alleged late payments, you must delete them per * * FCRA 1681i ( a ) ( 1 ) ( A ) * *. 

-- - * * Enclosures : * * - [ List documents included, e.g., Equifax Report, Proof of Closure ] * * CC : * * Consumer Financial Protection Bureau | Texas Attorney General * * Sincerely, * * XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion is currently reporting late payment notations on XXXX accounts : XXXX XXXX XXXX XXXX * * * * and XXXX XXXX XXXX XXXX * * * *. However, both accounts are simultaneously showing a past due amount of {$0.00}. This contradictory reporting directly violates accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ). It is impossible to have a late payment reflected without an outstanding balance or delinquency still owed, which raises serious red flags about TransUnions internal data processing and its reliance on unverified or outdated creditor information. These misrepresentations of my payment history are not just erroneousthey are damaging. Consumers should not be subjected to derogatory entries that can not be substantiated by facts. TransUnion is either failing to validate the data it receives or is willfully ignoring logical inconsistencies in the report format. At a time when data integrity is more important than ever, allowing such a sloppy contradiction to exist on my credit file reflects gross negligence and creates a misleading credit profile that hinders my financial opportunities.

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