vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
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 2025-07-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens mo XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. Please remove this account before I seek litigation for defamation of character. kikoff balance {$420.00}, Selfinclead Balance {$280.00}, XXXX XXXX Balance {$4900.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX {$28.00}, Balance {$250.00}, XXXX XXXX Balance {$3100.00}, XXXX XXXX {$120.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$5500.00}, XXXX  Balance {$520.00}, XXXX XXXX {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens mo XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. Please remove this account before I seek litigation for defamation of character. kikoff balance {$420.00}, Selfinclead Balance {$280.00}, XXXX XXXX Balance {$4900.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX {$28.00}, Balance {$250.00}, XXXX XXXX Balance {$3100.00}, XXXX XXXX {$120.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX Balance {$120.00}, XXXX XXXX Balance {$5500.00}, XXXX  Balance {$520.00}, XXXX XXXX {$7.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was the victim of a cyberattack that compromised both my email and phone, resulting in unauthorized access to my Chime account. During this time, an unauthorized transfer of {$160.00} was made to a fraudulent account on Chimes platform without my knowledge or consent. Despite promptly reporting the unauthorized transaction and opening a formal dispute, Chime closed the investigation within XXXX hours without providing any findings or documentation. No thorough investigation was conducted, the fraudulent account was not shut down, nor was any information provided to me to report this thief to the authorities. The fraudulent account remains active on the platform, raising serious concerns about Chimes oversight and commitment to preventing fraud. I have not received a refund or satisfactory resolution. 

Chime is legally obligated to protect consumers under several federal laws and regulations, including the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, which require timely and good-faith investigation of unauthorized transactions and limit consumer liability. The Federal Trade Commission Act prohibits unfair or deceptive practices, including failure to safeguard consumer data and prevent fraud. Additionally, the Gramm-Leach-Bliley Act mandates the protection of consumer privacy and security, while the Bank Secrecy Act requires financial institutions like Chime to detect and block accounts involved in illegal activity. Chimes failure to comply with these obligations has resulted in continued risk to my account and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & t bank failed to credit me back the fraud that happened in my checking account and claims after 2 months go by that they never received the complaint and now I have a lawyer from legal department representing the bank not responding to my emails or calls This is currently in small claims court

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 2025-07-07 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: NC

Complaint narrative:
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 2025-07-07 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:
This account is being inaccurately reported on my credit file. It is showing as a collection account, but I do not recall ever opening or being associated with it. Its possible there has been a mix-up with another individual

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 2025-07-07 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2020, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent ARS National Services Inc. a certified letter requesting full validation of an alleged debt they are attempting to collect ( Certified Mail # XXXX ). Their response did not include sufficient documentation such as a signed contract, itemized billing, or chain of assignment, which is required under the Fair Debt Collection Practices Act ( FDCPA ). 

I then sent a second certified letter on XX/XX/year> ( Final Notice Before Arbitration Certified Mail # XXXX ), demanding they cease collection efforts and warning of arbitration if the matter was not resolved.

ARS has failed to produce proper validation or stop collection activity. They continue to report unverifiable debt and are in violation of the FDCPA and FCRA.

I am requesting the CFPB investigate ARS National Services Inc., and that they be compelled to cease collection efforts and remove this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX to get a vehicle. Me and my family had been without a vehicle for over 2 years due to my car being stolen while I was at work, so this was a big deal for us. I wasn't able to get the vehicle on my own so my mother agreed to co-sign for me. XXXX XXXX was my sales rep and at the time of purchase, I didn't have the full down payment. I had only paid {$610.00}, which came out on XX/XX/XXXX. The dealership allowed me to take the vehicle that night even though I had not paid the full {$1000.00} down payment they were asking. 

Upon reviewing my sales documents, it appears to be loan misrepresentation because the paperwork says I paid the full down payment on the date of purchase. I feel like this was done to get the finance company to approve the loan. I sent a certified letter to the dealership to address the issue and stated that if my issue wasn't addressed that I would contact the Attorney General or the FTC. XXXX XXXX, the Sales manager of XXXX XXXX Mitsubishi told me that contacting them, " wouldn't do anything, '' which felt like he was trying to intimidate me from pursuing my rights. 

In a way, I feel like he was right because I contacted the Attorney General on XX/XX/XXXX about this issue and I received a letter dated XX/XX/XXXX saying they couldn't help me because the dealership says their records reflect the full down payment at the time of sale and any signed agreements and receipts provided to me support this. But there was no proof submitted with this letter even though I sent them bank statements showing I didn't pay the rest of the {$1000.00} until XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the lender and told them to repossess the vehicle due to XXXX XXXX not properly fixing the vehicle the first time water was found in the gas tank and XXXX paid for it. XXXX was found in the tank again and denied ownership and said, " someone was trying to mess with me. '' Even though a week after they fixed the vehicle the first time, they had to fix it again because they had put a part on wrong that caused a gas leak. The Attorney General 's office also responded that they were able to do nothing about the repossession, even though I didn't ask them to ; I was letting them know I voluntarily had the vehicle repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding my auto loan financed by Ally Financial in connection with a vehicle purchased at XXXX XXXX in XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 
I was told the vehicle a XXXX XXXX XXXX would cost {$15000.00} and I made a {$1000.00} down payment at the time of purchase. 

Upon reviewing the Retail Installment Sale Contract, I discovered the following alarming discrepancies : The vehicle cash price was listed as {$21000.00}, without my knowledge or consent The amount financed was {$25000.00} A {$4000.00} service contract was added without my approval The XXXX on this loan is 24.49 %, which I was not properly informed of, and is excessively high The total amount Ally expects me to pay over 72 months is {$49000.00} over XXXX the vehicles actual value I believe this loan reflects predatory lending practices and a failure to disclose and verify key terms in collaboration with a dealership known for deceptive financing. At no point did I knowingly agree to a $ XXXX repayment plan for a {$15000.00} used vehicle. 

I am demanding : 1. A formal investigation into the loan approval process for this vehicle 2. Immediate cancellation and refund of the {$4000.00} service contract 3. A review and adjustment of the loan balance and APR If this issue is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Attorney Generals Office, and any additional regulatory authorities. 

Please confirm receipt of this complaint and outline next steps as soon as possible. 



XXXX XXXXXXXX XXXX  Vehicle : XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX : 24.49 %

Company response to consumer: Closed with explanation