vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINANCIAL XXXX XXXX XXXX XXXX  XXXX XXXX  This account, including the alleged auto loan and illegal repossession, is formally disputed under FCRA 605B and 1681c-3. I did not authorize this account, and it was established through identity theft following the XXXX  data breach that exposed my personal information. Ally Financial has reported false, harmful, and unverified data in violation of federal consumer protection laws.

You are hereby required to block, delete, and remove all reporting related to this auto loan, repossession, or any associated tradeline from all consumer reporting agencies within four ( 4 ) days of receipt of this notice.

Pursuant to my rights under the FCRA, I am also demanding all signature documents, contracts, and written authorizations allegedly used to open or maintain this account. If you can not produce these documents with my legitimate signature and supporting identification, this account must be permanently deleted.

Failure to comply within the statutory period will result in immediate legal action for damages, willful non-compliance, and continued defamation of character. This letter serves as formal notice of my intent to sue if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 am submitting this follow-up regarding my previous complaints about inaccurate, unverifiable, and unauthorized items reported on my credit report. Despite prior submissions and disputes, the following accounts and inquiry remain on my credit file, causing continued harm to my creditworthiness and financial standing : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} * These accounts are being reported without proper verification or documentation. No Form 1099-C ( Cancellation of Debt ) has been provided for debts over {$600.00}, and reporting a charged-off account with a zero balance is misleading. These practices violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and FCRA 605B [ 15 U.S.C. 1681c-2 ], which require that unverifiable information be permanently removed. 
Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Balance Owed : {$130.00} ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Balance Owed : {$3200.00} ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$830.00} ) * These collection accounts have not been validated in writing as required under FDCPA 809 ( 15 U.S.C. 1692g ). Reporting these accounts without verification also violates FCPA 807 ( 15 U.S.C. 1692e ) and FCRA 605B [ 15 U.S.C. 1681c-2 ]. Since no lawful proof of debt has been provided, these accounts must be permanently deleted. 
Unauthorized Inquiry : XXXX XXXX XX/XX/year> This inquiry was conducted without my authorization and violates FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ] and FCRA 605B [ 15 U.S.C. 1681c-2 ], which require permanent removal of any unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because Experian continues to knowingly report a fraudulent account from XXXXXXXX XXXX  Account XXXX XXXXXXXX on my credit report, despite multiple disputes and clear proof that this account does not belong to me. 
I have already provided Experian with documented evidence showing that the data furnisher is reporting incorrect personal identifiers, including an incorrect email address, date of birth, and Social Security number none of which are mine. This is a case of identity theft and Experian is fully aware of this fact. 
Furthermore, Equifax has already deleted this same XXXXXXXX XXXX account from my credit report, acknowledging that it is inaccurate and unverifiable. Experian, however, has willfully ignored the evidence and continues to verify this fraudulent account which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Experian is now in violation of : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681n & 1681o willful and negligent noncompliance with federal law I am demanding the immediate deletion of this fraudulent XXXX XXXX account from my Experian credit report. I am also demanding financial compensation, including : {$1000.00} in statutory damages for willful FCRA violations Additional actual damages for emotional distress, financial harm, and time wasted due to Experians continued negligent reporting despite multiple disputes I have been disputing this for months. At this point, Experians failure to act is no longer an error it is willful noncompliance with federal law. If Experian does not immediately delete this account and issue compensation, I will pursue legal action under the FCRA without further notice. 
I expect full resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
I am submitting this as my 9th formal follow-up complaint regarding multiple inaccurate and unverifiable items that continue to appear on my consumer credit reports, despite previous disputes and prior CFPB complaints. These errors involve both inaccurately reported accounts and unauthorized inquiries, which continue to harm my credit reputation and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX BANK Reported as a charge-off without verifiable proof or supporting documentation. 
XXXX XXXXXXXX Reflects false delinquency and duplicate reporting across credit bureaus. 
XXXX XXXXXXXX BANK Inaccurate payment history and conflicting balance information. 
XXXX Incorrect account status and unverifiable activity. 
XXXX XXXX XXXX Wrongly listed as charged off, inconsistent with payment records. 
XXXX  XXXX XXXX Displays incorrect status and unverified late payment not supported by billing history. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries were not authorized by me and violate FCRA 604 [ 15 U.S.C. 1681b ( f ) ], which restricts access to consumer reports to those with a legitimate permissible purpose. 
607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Continued reporting of false, outdated, or unverifiable data demonstrates noncompliance.

611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Requires credit bureaus to reinvestigate disputed information within 30 days. I have submitted multiple disputes and have not received proper documentation validating these entries.

611 ( a ) ( 5 ) ( A ) Any unverifiable or inaccurate information must be promptly deleted or corrected.

623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] Furnishers may not report information they knowor have reasonable cause to believeis inaccurate.

623 ( b ) Furnishers must conduct a reasonable investigation once notified of a dispute. The repeated verified as accurate responses without documentation indicate failure to comply.

616 and 617 [ 15 U.S.C. 1681n & 1681o ] Provide for civil liability for willful or negligent noncompliance with the FCRA.

Despite prior CFPB involvement, the credit bureaus and furnishers have failed to correct or remove these errors. The continued reporting of false information and unauthorized inquiries demonstrates a pattern of negligence and disregard for consumer protection laws.

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 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
NOTICE OF FDCPA VIOLATION, FINAL DEMAND TO CEASE COLLECTION, AND INTENT TO PURSUE LEGAL ACTION Account/Agreement Number : XXXX To the Consumer Financial Protection Bureau and Ally Financial, This complaint concerns an alleged debt of {$2900.00} related to Agreement Number XXXX for a XXXX XXXX XXXX XXXX XXXX  : XXXX ). 

I do not owe this debt. 

History of Dispute and Violation Initial Dispute Ignored : On or about [ Insert Date of Your First Dispute Letter ], I formally disputed this alleged debt in writing and demanded validation pursuant to 15 U.S.C. 1692g of the FDCPA. I sent this letter via Certified Mail and have proof of delivery to the creditor. 
Failure to Validate : Despite receiving my formal dispute, Ally Financial has failed to provide any validation, verification, or evidence to substantiate this debt. Furthermore, I have never received any original billing statement or communication regarding this alleged obligation prior to or after my dispute. 
Continued Collection/Reporting : Ally Financials continued attempt to collect or report this alleged debt after failing to provide the legally required validation constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
So First Franklin Financial is reporting on my credit report I've never made a payment when clearly I have I've paid over XXXX and the amount of loan keeps going up and it says over XXXX days late please see attachment for details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I personally submitted multiple disputes directly to TransUnion. Despite this, TransUnion claimed my dispute did not appear to come from me and refused to process it. 

TransUnion also failed to collect or verify information with XXXX XXXX XXXX, which I specifically identified as the furnisher. The company closed my disputes without obtaining evidence, violating Section 611 of the Fair Credit Reporting Act ( FCRA ). 

I previously filed a CFPB complaint ( Case No. [ XXXX ] ) that TransUnion responded to inadequately. The inaccurate data still remains on my report and is harming my credit. 

I am requesting that TransUnion reopen my disputes, reinvestigate the information with XXXX XXXX XXXX, and confirm the results in writing.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Paid off accounts and received letters from creditors to remove from Experian. The agency does not provide updated information or remove the paid accounts within agreements of dept and debtors

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 2025-10-29 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: GA

Complaint narrative:
I previously submitted a dispute under FCRA 1681b, 1681i, 605B, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 1 ) ( A ) regarding several items appearing on my credit report, including XXXX XXXX XXXX XXXX  with a balance of {$0.00} and a Chapter XXXX Bankruptcy listed under XXXXXXXX XXXX XXXX Reference # : XXXX, as well as XXXX XX/XX/year>. Despite my initial dispute and submission of supporting documentation, including identification and dispute forms for TransUnion and Experian, I have not received any response or explanation regarding the status or outcome of my dispute. The continued reporting of these items without proper verification or correction constitutes a violation of my rights under FCRA and its provisions regarding reinvestigation and accuracy.

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 2025-10-29 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 previously submitted a dispute under FCRA 1681b, 1681i, 605B, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 1 ) ( A ) regarding several items appearing on my credit report, including XXXX XXXX XXXX XXXX  with a balance of {$0.00} and a Chapter XXXX Bankruptcy listed under XXXXXXXX XXXX XXXX Reference # : XXXX, as well as XXXX XX/XX/year>. Despite my initial dispute and submission of supporting documentation, including identification and dispute forms for TransUnion and Experian, I have not received any response or explanation regarding the status or outcome of my dispute. The continued reporting of these items without proper verification or correction constitutes a violation of my rights under FCRA and its provisions regarding reinvestigation and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CBC Companies, Inc.
State: NY

Complaint narrative:
upon checking my Innovis credit report i came across negative items thats being reported on my report. I had opened a dispute with Innovis and they came back with those items being verified as accurate when in fact they are not.I demand that innovis provides me the documentation and source of the investigation, The FCRA states that any item thats being reported to any credit bureau agency should be 100 % accurate.The items i had disputed was a XXXX card that i had never opened and a XXXX  XXXX  i had never opened up.I had also disputed a late payment on a XXXX car lease account and a late payment from a XXXX car lease account.i request that those late payments be removed/updated to positive and the XXXX  and XXXX XXXX be removed from my report.failure to do so will result me taking legal action towards innovis and collecting my {$1000.00} per violation per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
TransUnion, Experian and Equifax is reporting XXXX XXXX inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
TransUnion, Experian and Equifax is reporting XXXX XXXX inquiry on my credit report that I did not authorize.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am submitting this statement to formally express my concerns about Chime 's handling of consumer disputes, particularly in light of the recent CFPB lawsuit that exposed major issues with the platform. Despite using Chime multiple times and promptly reporting discrepancies, Chime failed to investigate my claims thoroughly. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings suggest that Chime has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian continues to knowingly report a fraudulent account from XXXXXXXX XXXX  Account XXXX XXXXXXXX on my credit report, despite multiple disputes and clear proof that this account does not belong to me. 
I have already provided Experian with documented evidence showing that the data furnisher is reporting incorrect personal identifiers, including an incorrect email address, date of birth, and Social Security number none of which are mine. This is a case of identity theft and Experian is fully aware of this fact. 
Furthermore, Equifax has already deleted this same XXXXXXXX XXXX account from my credit report, acknowledging that it is inaccurate and unverifiable. Experian, however, has willfully ignored the evidence and continues to verify this fraudulent account which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Experian is now in violation of : FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681n & 1681o willful and negligent noncompliance with federal law I am demanding the immediate deletion of this fraudulent XXXX XXXX account from my Experian credit report. I am also demanding financial compensation, including : {$1000.00} in statutory damages for willful FCRA violations Additional actual damages for emotional distress, financial harm, and time wasted due to Experians continued negligent reporting despite multiple disputes I have been disputing this for months. At this point, Experians failure to act is no longer an error it is willful noncompliance with federal law. If Experian does not immediately delete this account and issue compensation, I will pursue legal action under the FCRA without further notice. 
I expect full resolution immediately.

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 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
Subject : Tesla XXXX XXXX Principal Payment Not Applied and Unfair Interest Charges To whom it may concern, I am writing as a long-time and loyal Tesla customer , deeply disappointed with how Tesla Finance has handled my XXXX XXXX payments. 

In XX/XX/XXXX, I made two significant payments toward my Tesla XXXX XXXX  : {$7500.00} on XX/XX/XXXX {$11000.00} on XX/XX/XXXX My clear intention was to pay down the principal early to avoid further interest charges. I was proud to do so, believing Tesla would process this responsibly and fairly. However, Tesla has not applied these payments to the principal balance. Instead, they treated them as advance monthly payments through XX/XX/XXXX, which I never authorized or agreed to. 

As a result, Tesla continues to charge me interest as though the principal has not been paid, completely defeating the purpose of my early payments. This feels unfair, misleading, and financially harmful.

I have contacted Teslas customer service multiple times, providing payment confirmations and explanations, yet the company has failed to correct the issue or even provide a clear answer. This experience has been extremely frustrating and disappointing.

I respectfully request that XXXX  review and investigate this matter, as I believe Teslas handling of my account violates fair lending and loan servicing practices.

I ask that Tesla Finance : Immediately apply my XX/XX/XXXX payments directly toward the loan principal, and Correct my account by removing any interest that should not have accrued after those payments were made. 

I am attaching evidence, including payment confirmations and loan statements showing that Tesla did not properly apply my payments.

Thank you very much for your attention and assistance. I sincerely hope XXXX can help ensure Tesla corrects this mistake and treats customers more fairly in the future. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation