vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In XX/XX/year>, I was pressured into an auto loan while visibly ill with XXXX and a XXXX XXXX. I was at XXXX XXXX XXXX in XXXX for XXXX manufacturer recall repair on my existing XXXX vehicle XXXX Instead of honoring the recall or providing the required loaner, the dealership separated me from my wife and initiated a high-pressure vehicle sale. 

During this time, they added a {$4100.00} extended service contract that I explicitly declined I have signed proof rejecting this coverage. I was told it had been removed. It wasnt. They also falsely claimed my vehicle had been signed in for repair when it had not. They never had my keys or permission. I later personally towed the vehicle to another XXXX dealership, where the repair was honored in full without issue. 

I never received my loan documents at closing. Nearly XXXX months later, I was sent a XXXX XXXX. I was told I could access my loan and payment info through Allys online portal, but the Payments and Documents tabs have been broken for over a year across all devices. I have video proof of this persistent error. I can not verify the contract, nor how my payments have been applied. It feels like a tag-team scheme between the dealer and Ally Bank XXXX 

Ive attached a payment breakdown showing how nearly {$15000.00} in payments has only resulted in about {$6000.00} in principal reduction. Despite consistent monthly payments, the balance barely moved. Ally repeatedly deferred, reallocated, or split payments in ways that maximized interest and harmed me financially. This was never explained, and I have had no ability to view full records due to Allys site being nonfunctional. 

This isnt just mismanagement its a financial trap, and I need it resolved. 

To date, I have paid over {$14000.00}, yet only ~ {$6100.00} was applied to principal. My balance has barely moved despite XXXX straight payments. 

I am requesting the following actions : Remove the unauthorized {$4100.00} service contract Recalculate the loan balance and either refund the overage or apply it toward principal Reverse all late fees, reallocation penalties, and misapplied charges Remove negative credit reporting related to this issue Provide a full, itemized payment history and contract access in writing Fix portal access and confirm no future unauthorized changes will be made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed a {$6000.00} charge with XXXX XXXX for car stereo equipment and installation that I never received. The merchant failed to perform on time. After the merchant failed to perform installation due to multiple appointments missed by the merchant, I canceled with the merchant, and they have never responded to me regarding multiple requests for refund. 

Also, after my Attorney and I made many attempts to contact the merchant, my attorney and I have never received any phone calls or email responses from the merchant since the purchase made on XX/XX/year> and multiple phone calls and emails sent through XXXX XXXX The Dispute was resolved in the merchants favor because the merchant has a no refund policy. 

However, I provided the credit card disputes department a letter from my attorney. The letter states the merchant failed to perform because he did not have the necessary equipment at time of installation and his actions constitute a material breach of contract under XXXX  civil code XXXX. 

This should supersede the merchant no refund policy as he has been unfair and deceptive in this transaction. 

Also, I have made numerous calls to Barclays dispute department. On XX/XX/year> I made XXXX phone calls and while speaking to representatives the calls have dropped. This also happened in the past when calling their dispute department that they often advise me their computer is not working properly and they cant pull up the information. 

Also, Barclays refers me to their online website to get updates on my dispute. The online portal only has a letter document that was sent in XXXX, only indicating that dispute was opened. 

When I called them, I was advised that the merchant responded in writing. I asked them for this documentation, and they were unable or unwilling to provide it to me.

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 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
My son has two insurance policies and both were presented to XXXX XXXX 's at the time of service. XXXX  only billed one policy. After several attempts they finally agreed to resubmit the bill to the secondary insurance. However, because it took them over a year to submit that claim insurance denied it based on the fact " the time limit for filing had expired. According to Texas law bills just be filed within one year of date of service. '' XXXX was made aware that they took too long to correct their mistake. They now have turned this over to a collection agency. THIS IS NOT MY DEBT. His insurance would cover everything in full if they had billed both policies they were provided or resubmitted in a timely manner. I am not paying because they failed to do their job multiple times. The collection agency will not stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company : Portfolio Recovery Associates Issue : Attempted to collect a debt not owed Submitted to : CFPB Category : Debt collection What happened ( complaint description ) : I am reporting a fraudulent collections account listed by Portfolio Recovery Associates on my credit report. The account shows a balance of {$1000.00} and was reported on XX/XX/year>. 

I did not open or authorize this account and have no knowledge of the original debt. This is a clear case of identity theft or reporting error. I have not received any validation of the debt, and Portfolio Recovery has continued to report this on my credit profile without proper verification. 

I am requesting the immediate removal of this account from all credit reporting agencies, as it is not mine. I have also submitted a debt validation request to Portfolio Recovery Associates. 

Please investigate and take appropriate action to ensure that this false information is removed and that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Netspend Corporation
State: LA

Complaint narrative:
My netspend card number was stolen somehow or my account was hacked I disputed the fraudulent charges XX/XX/year> it's been past 10 days I haven't received any provisional credit and I'm in need of it because that was my bill money

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I disputed 3 transactions. The company issued temporary credits. The company never sent me any paperwork. 

On XXXX XXXX 2025 the company again placed these 3 fraudulent charges back on my account!

I did not authorize, or make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
The company is reporting that I owe them on my credit report. I have paid the account in full and they refuse to update my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They keep calling from different phone numbers at least twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX debt collectors for LVNV funding constantly harassing with text messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
I was a victim of idenity theft. There is an item from XXXX XXXX with the account nubmer XXXX. That is on my credit report, that is not mine. I filled a dispute with the credit bureaus ; experian, equifax and transuion. In the report I put an Identity theft report from XXXX, an FTC report and number, a notarized affidavit, a copy of my id and socical security card, and the discriprtion of the item I was disputing. I also citied in the documents, FCRA 605b in my documents that says ; ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I provied items 1-4 and demanded the bureaus block the item from XXXX  with account nubmer XXXX. They refused to block. Please have them blcck this account.

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 2025-05-17 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 was a victim of idenity theft. There is an item from XXXX XXXX with the account nubmer XXXX. That is on my credit report, that is not mine. I filled a dispute with the credit bureaus ; experian, equifax and transuion. In the report I put an Identity theft report from XXXX, an FTC report and number, a notarized affidavit, a copy of my id and socical security card, and the discriprtion of the item I was disputing. I also citied in the documents, FCRA 605b in my documents that says ; ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I provied items 1-4 and demanded the bureaus block the item from XXXX  with account nubmer XXXX. They refused to block. Please have them blcck this account.

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 2025-05-17 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:
XXXX XXXX and XXXX XXXX is unlicensed to collect debt in the sate of 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a link to check my credit score so I can apply for an apartment but realized after doing so, he gave me a faulty link as I can not find my information on the legit service I though I was filling out Transunion This was today XX/XX/year> This is the number and email of my contact I am trying to rent from : XXXX ( XXXX ) XXXX XXXX I found them on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-05-17 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are names XXXX  XXXX and XXXX XXXX XXXX on my credit report. This is incorrect. My name is XXXX XXXX XXXX XXXX. There are also addresses on my credit report that aren't associated with me. XXXX XXXX XXXX XXXX, oh XXXX. Also XXXX XXXX XXXX XXXX, oh XXXX. Please delete this incorrect information. I am not a XXXX I am the XXXX. 

My dads name is XXXX XXXX XXXX he passed on XX/XX/year> My grandfather 's name was XXXX XXXX. He is also deceased.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are names XXXX  XXXX and XXXX XXXX XXXX on my credit report. This is incorrect. My name is XXXX XXXX XXXX XXXX. There are also addresses on my credit report that aren't associated with me. XXXX XXXX XXXX XXXX, oh XXXX. Also XXXX XXXX XXXX XXXX, oh XXXX. Please delete this incorrect information. I am not a XXXX I am the XXXX. 

My dads name is XXXX XXXX XXXX he passed on XX/XX/year> My grandfather 's name was XXXX XXXX. He is also deceased.

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 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX  Account Number : 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 2025-05-17 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX  Account Number : 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 2025-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to escalate and formally follow up on my previous complaint against Chase Bank, which remains unresolved since XXXX XXXX approaching two full years without access to my own funds. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and Chase responded stating that theres nothing they can do. Despite this, I continue to be locked out of my account, and the situation has only worsened. 

I operate an XXXX XXXX business. On XX/XX/XXXX, a client sent a {$30000.00} wire transfer to my Chase account under a signed contract to build and manage an e-commerce store. On XX/XX/XXXX, Chase froze my account after receiving an indemnification request from XXXX XXXX XXXX XXXX submitted by the same clientwho now falsely claims he didnt understand the recurring costs of operating an e-commerce business. 

I immediately provided proof of the signed contract, communications, and documentation that verified the transaction was valid. Still, Chase flagged the account as potentially fraudulent and has refused to release my funds. 

Whats worse : I was explicitly told that Chase does not restrict Certificates of Deposit ( CDs ) under these circumstancesyet mine has also been locked and I am being denied access to that money too. This directly contradicts what Chase claims and adds to the growing financial damage Ive suffered. 

Over the past 20 months : Ive visited multiple branches, presented legal documents, and have been ignored and dismissed repeatedly. 
Customer service continues to say, Were still investigating, with no updates, no support, and no resolution. 
I am being evicted, my credit score is ruined, and I cant support my family or newborn due to the funds being withheld. 
My clients are threatening legal action, and my business has collapsed. 
I have done everything rightsubmitted valid documentation, followed all protocols, and sought resolution through proper channels. But I am now out of time and options. 

I have retained an attorney and am preparing to pursue legal action against Chase Bank for the unlawful freezing of my accounts, financial harm, and emotional distress this has caused. 

I am requesting that the CFPB step in immediately and hold Chase accountable. I have attached the most recent communication from Chase for your reference. This situation is not just negligentit is devastating, and I cant afford to be ignored any longer.

Company response to consumer: Closed with non-monetary relief