vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I received a notice XX/XX/XXXX that Ally Financial submitted a cancelation of debt dated XX/XX/XXXX for {$14000.00}. I have never had an account nor car loan from this company. This was fraudulent and they need to let the IRS know they have lied and submitted fraudulent information. I have reached out to Ally Financial XX/XX/XXXX and still have not received any feedback that they have corrected their malicious and fraudulent reports to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately. Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information. Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt. Thank you for your prompt 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 2025-12-27 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate :

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 2025-12-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc.
State: AZ

Complaint narrative:
Complaint Narrative ( CFPB Regulation Z ) I am submitting this complaint regarding XXXX XXXX XXXX loan servicing and record-disclosure practices, which appear inconsistent with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), Regulation Z ( 12 C.F.R. Part 1026 ), and the prohibition on unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). 
On XX/XX/XXXX, I submitted a written email request to XXXX XXXX XXXX requesting loan-related communication records for my account. I received no acknowledgment or confirmation that the request was received, logged, forwarded to legal, or under review. 
On XX/XX/XXXX, at approximately XXXXXXXX XXXX. Arizona time, I contacted XXXX XXXX XXXX Customer Experience department to follow up. During that call, I was advised for the first time that my request had been forwarded to the legal department under internal ticket # XXXX, and that I would be required to file a subpoena to obtain my own loan-related call recordings and transcripts. 
My request is limited to telephone call recordings and ADA-compliant transcripts covering XX/XX/XXXXXXXX  to the present, referencing loan servicing, loan terms, payment application, payoff discussions, and communications relied upon by the lender in servicing my loan. The request concerns only my own loan account. 
By conditioning access to these servicing records on judicial process outside of any litigation, XXXX XXXX XXXX is obstructing access to information necessary for a consumer to understand loan servicing, payment application, and payoff rights, contrary to the transparency and disclosure purposes of Regulation Z, including 12 C.F.R. 1026.17, 1026.18, and 1026.36. No statutory or regulatory authority was provided to support this restriction. 
I request CFPB review of XXXX XXXX XXXX practices regarding ( 1 ) refusal to provide loan-related communication records, ( 2 ) undisclosed internal policies restricting borrower access to servicing records, and ( 3 ) conditioning disclosure on subpoenas outside of litigation, which may constitute unfair or deceptive acts or practices. I have issued a formal written demand and records-preservation notice to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
I am a victim of identity theft and did not authorize the use of my personal information or open any of the accounts or transactions listed. I request that all fraudulent activity be investigated and removed and that I not be held responsible for any related debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NV

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I had {$8000.00} in different amounts transfered out of my account. All together totaling {$8000.00} When I tried to contact cash up, letting them know there was unauthorized transfers out of my account. They wouldn't help me. Instead They closed my account!!! The only thing they told me was that there was activity that went against their policies. What like asking for help? But they wouldn't tell me what and they wouldn't help me at all, and I couldn't see where my money was going and I was freaking out and no matter what I did trying to contact them via their app, their phone number, nobody could tell me any answers or help me, I thought that. When the class action lawsuit came out about the authorized unauthorized Sections, I would finally get my money back, but they denied my documemted unathorized claim. I'm not sure how because I gave them documentation. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chex systems has received accounts on report that are due to identity theft and reported havent removed with police report & Ftc report number this has frozen me financially from account openings XXXX remains on record I have contacted them for removal off the fraudulent accounts under my name which was mal used without my knowledge

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 2025-12-27 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: MA

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
They have repeatedly called me and asked for a debt that hasnt been paid I am disputing the accuracy, legality, and reporting of a OneMain Financial account that appears on my consumer credit reports. 

This account is being reported with material inaccuracies and without proper substantiation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Complaint Summary I am a homeowner in XXXX XXXX, Florida. My mortgage servicer initiated foreclosure and filed a XXXX XXXX while foreclosure activity was supposed to be suspended and while I was actively engaged in loss mitigation. 
My loan was in a disaster-related forbearance from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, I applied for a deed in lieu of foreclosure. The servicer confirmed in writing that foreclosure would be suspended during review. I was later approved for a XXXX-month trial payment plan ( XXXX ) requiring {$1300.00} monthly payments, to be received within each month. 
Despite this, the servicer filed a XXXX XXXX and served me with foreclosure papers on XX/XX/XXXX without notice that foreclosure had resumed or that loss mitigation was terminated. I then made the XXXX trial payment by cashiers check on XX/XX/XXXX in compliance with the written plan. 
I believe the servicer violated federal mortgage servicing regulations by advancing foreclosure while I was performing under an approved loss-mitigation plan, failed to provide required notices, and engaged in unfair and deceptive practices. 
I am requesting investigation, corrective action, and enforcement. 
Federal Law 12 C.F.R. 1024.41 ( Regulation X RESPA ) Prohibits dual tracking ( foreclosure while loss mitigation is active ) Bars advancing foreclosure while borrower is performing under a trialXXXX or mitigation agreement Requires clear written notice before termination or escalation Key subsection : 1024.41 ( g ) No foreclosure action may proceed while borrower is performing under a loss-mitigation option Florida Law Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Fla. Stat . 501.204 Prohibits unfair, deceptive, or unconscionable acts in trade or commerce Applies to mortgage servicing and foreclosure practices Florida foreclosure procedure ( judicial ) Foreclosure must strictly comply with notice, equity, and conditions precedent Premature filings and misleading conduct support dismissal or stay

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
After further review of my credit report I noticed a lot of fraudulent activity at the hands of the bureaus for reporting these accounts and also letting them be reinstated on, XXXX  account when they were deleted its fraudulent and I plan to take it to the fullest extent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
After further review of my credit report I noticed a lot of fraudulent activity at the hands of the bureaus for reporting these accounts and also letting them be reinstated on, XXXX  account when they were deleted its fraudulent and I plan to take it to the fullest extent

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 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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