vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that has been reported on my credit file by XXXX XXXX XXXX, referencing a debt allegedly owed to XXXX 

This account does not belong to me and was added without my authorization or knowledge. I lost my wallet a few years ago and have since noticed multiple unauthorized accounts appearing on my credit reports. This XXXX collection is one of them.

I have already taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ). My reference number is XXXX. 
Contacted Experian and TransUnion by phone, informing them of this identity theft and disputing the validity of this collection. 
Submitted a dispute to Experian over two weeks ago, but this inaccurate account has yet to be removed and my credit score has not been restored. 
Contacted TransUnion, who acknowledged my identity theft report but have also not removed the account. 

This fraudulent collection has decreased my credit score by XXXX points, negatively impacting my financial standing. I am demanding immediate removal of this unauthorized account from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-05 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.

Complaint narrative:
Ive been working very hard for the past years to ensure I have a good credit history in order to get approved for a mortgage. During an in-depth reviewed of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure 100 % accuracy. Here is the account I am asking you verify as accurate with Equifax Account Name : 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On or about XXXX, XXXX, I paid off my vehicle loan balance with XXXXXXXX XXXX XXXX Unbeknownst to me there was a small fee of {$9.00}. The company reported my account as unpaid for XXXX days. 
On or about XX/XX/XXXX I contacted XXXX XXXX to ask why my pink slip was taking so long and that's when I learned that my account appeared as unpaid for XXXX  days. On XX/XX/XXXX I had to go to XXXX of their offices in XXXX XXXXXXXX XXXX  to pay a total of {$59.00} My pink slip came in the mail about a month later but I was unaware of the incorrect credit reporting because the company didn't mention it not even when I showed up in person to pay their bogus fee. See Attached Statement See also attached letter from XXXX XXXX confirming full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
XXXX  XXXX XXXX is reporting one late payment in my credit report on XX/XX/year> and I never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I received a text message that my XXXX was temporarily locked because of a payment coming in. It said it was XXXX had to comply with XXXX policy. To release the payment for ( they were buying an item from me on marketplace ) I had to reactivate my acct. By doing that the sender sent me {$570.00} and I had to resend the {$500.00} back ( {$70.00} was for the item buying ) XXXX called me to tell me how to send with my apple pay and I did that I got scammed for {$500.00}. I called M & T immediately to complain and close my acct asap. Went to the bank to change my acct numbers/ cards. Did a report on the scam and they denied it. Plus they wouldnt give me a reason why. Then hours later the closed all my accts because I am a retail risk and would not explain why and what it is. I lost {$500.00} dollars and now cant get an acct opened for my money. Its been a nightmare. I was with M & T for XXXX yrs with a checking, savings, credit card. Always on time, never a negative acct and always responsible. I just want answers why Im a risk when I wasnt the one that played fraud - I was scammed by idiots. Please help me get answers. I have all the proof, pictures, texts, phone calls and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate and Duplicate Credit Report Entries Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and/or improperly reported. Specifically, I have identified the following issues : - The same collection account has been reported XXXX times. 
- The repossession of my vehicle in XX/XX/year> has been reported twice. 
- Since the repossession, the account has been written off and charged off, but the multiple listings continue to negatively impact my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate, complete, and verifiable information. Duplicate or incorrect reporting constitutes a violation of my rights under the FCRA. 

Request for Action : I request that the following be investigated and corrected or removed from my credit report : - All duplicate entries for the same collection account. 
- Multiple reports of the vehicle repossession, ensuring only the correct, final entry remains. 
- Any outdated or erroneous entries related to this account. 

Please conduct a thorough investigation and provide me with the results of your findings. Under the FCRA, you are required to complete your investigation within 30 days of receipt of this letter and provide me with a written statement of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate and Duplicate Credit Report Entries Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and/or improperly reported. Specifically, I have identified the following issues : - The same collection account has been reported XXXX times. 
- The repossession of my vehicle in XX/XX/year> has been reported twice. 
- Since the repossession, the account has been written off and charged off, but the multiple listings continue to negatively impact my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate, complete, and verifiable information. Duplicate or incorrect reporting constitutes a violation of my rights under the FCRA. 

Request for Action : I request that the following be investigated and corrected or removed from my credit report : - All duplicate entries for the same collection account. 
- Multiple reports of the vehicle repossession, ensuring only the correct, final entry remains. 
- Any outdated or erroneous entries related to this account. 

Please conduct a thorough investigation and provide me with the results of your findings. Under the FCRA, you are required to complete your investigation within 30 days of receipt of this letter and provide me with a written statement of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX I asked Experian Credit Bureau to do their investigation and remove some accounts that are listed on my credit report that I have no knowledge of. On XX/XX/year> Experian updated my account with a noticed that the accounts were verified and would remain on my credit report. It has not even been XXXX hrs since I filed dispute with Experian before I received that notice on Experian.com Experian is not doing an investigation on my dispute and I would love for them to do the proper investigation. There is no way that Experian conducted a dispute within such short time frame.

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 2025-08-05 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this new complaint because Ally Bank and the CFPB complaint system have both failed to resolve or adequately address the issue. I previously submitted a dispute related to fraudulent charges tied to the sale of a sick and possibly neglected dog. Ally Bank has deliberately dragged its feet for over 90 days on multiple disputes ( including two still pending for over a month with zero updates ), and their responses have been filled with generic, boilerplate language that completely avoids the substance of the issue. I also have two other disputes XXXX and XXXX, that are now a month old with 0 resolution.

The CFPB previously marked one complaint as closed with feedback given, yet nothing was resolved. Ally finally returned only one partial amount ( {$500.00} ), yet they still owe me over {$2000.00} and have made no good-faith effort to finish their so-called investigation. Their customer service has been combative, evasive, and dismissive throughout the entire process. To make matters worse, Ally also retaliated against me by closing one of my savings accounts shortly after I filed my original complaint citing a technicality around withdrawal limits despite never sending me adequate warnings.

Ally Bank is clearly stonewalling me, wasting my time, and treating the CFPB process like a joke. And CFPBs acceptance of their weak excuses only enables their behavior. At this point, I am preparing to pursue legal action against Ally Bank. If the CFPB wont enforce consumer protection, Ill escalate this through private legal counsel and potentially join ( or initiate ) a class action because Im not the only one being treated like this.

I am requesting a full refund of the disputed amounts, a formal apology, and a review of Ally Banks handling of consumer complaints and account closures in response to dispute activity.

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 2025-08-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The payments have been taken from insurance and the light bill the payment of the insurance was around XXXX and the light bill for almost XXXX dollars I have called multiple times to chase trying to get something fixed but they say theres nothing they can do what basically happen was the card was run for overdraft which was immediately payed after to avoid extra fees for it nothing was ever owed to the bank with have always make the payments I have called both of the companies and they said that the bank has gotten the money and nothing was posted on their end I try going to a retailer and they say to call refund support and they have manage to restricted access to my account and now I can not longer login to it not even to see statement nothing they have denied their help to me and now Im in a situation where I owed both companies and Im about to have my light bill disconnected due to all that money been taken from the bank Im really willing to be helped they have not listen to at all and I dont know what else to do I need the bank to get that money back to the companies they say they were going to credited which they never did at this time I havent heard back from them.

Company response to consumer: Closed with explanation