vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I submitted fraudulent transactions to my bank they told me it will take up to 90 days with it taking 80 days. They provided me that the merchant did not reverse funds so we deemed it authorized and correct. I advised them that the merchant which is XXXX XXXX was no help and suggest to open an identity theft claim which I did. Ally rep accepted the information and stated the dispute will be reopened to provide merchant but my bank decided to not reopen the claim and deemed it authorized even with my provided info they said was enough to get my funds back. I had over XXXX withdraws with even a call or text from my bank. When I provided my idtheft info on the XXXX they determined the disputes closed and did not provide me any info and stated they could not help me. Customer service reps were giving me attitude as if they lost XXXX and did not want to help and continue reading a script

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
They took the mortgage payment from my account 17 days earlier than they were supposed to. And are essentially stalling in order to not put the money back into my account. The early withdrawal has caused a negative account balance that never would be the case. Ive been told different dates 3 separate occasions on when to expect funds to be back into my account. A wire is an instant thing. It shouldnt be a 5-6 day process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX I lost {$12000.00} due to a coordinated accounttakeover fraud at FifthThird Bank . 
I received a text that appeared to be from FifthThird alerting me to a {$2500.00} fraudulent charge and instructing me to call a listed number. 
When my debit card was later declined, I called that number. The person who answered sounded like a FifthThird agent, addressed me by name, and referenced real transactions. 
The caller said I was a victim of identity theft, that it was now a federal investigation, and that I must keep everything confidential or risk prosecution. 
During the call the fraudster obtained a onetime passcode, logged into my online banking, and moved every dollar from four separate FifthThird accounts ( personal checking/savings and business checking/savings ) into my personal checking without my consent. 
She then : Added a XXXX debit card to my XXXX and directed a {$4900.00} XXXX transfer to secure funds. 
Ordered me to withdraw {$8000.00} in cash and deposit it into a new secure account, which was in fact controlled by the scammer. 
Total loss : {$12000.00} ( {$4900.00} XXXX  + {$8000.00} cash ). 
I filed disputes with FifthThird on XXXX, filed a police report ( XXXX XXXX XXXX ), and completed an FTC identitytheft affidavit ( Report # XXXX. ) FifthThirds Fraud Department confirmed unauthorized access but said reimbursement is handled by the Disputes Department. The Disputes Department reimbursed only is looking at {$4900.00} XXXX transfer and denied reimbursement of the internal transfers and the {$8000.00}, stating money did not leave FifthThird during internal transfers and the cash withdrawal was customerinitiated. 
This siloed approach ignores that all transactions were one coordinated fraud event enabled by unauthorized access and coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion - Duplicate XXXX XXXX XXXXXXXX Reporting & Knowingly False Data To the Equifax Legal and Compliance Department , This is a formal dispute and legal notice issued pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( b ), and the Texas Business & Commerce Code 20.06 .

You are knowingly reporting false, defamatory, and duplicative information on my Equifax credit file regarding XXXX XXXX XXXXXXXX account ending in XXXX, and you are doing so in direct violation of federal and state law. 
SUMMARY OF VIOLATION Your report shows two separate derogatory tradelines for the same XXXX XXXX XXXXXXXX account. Each reflects : - A charged-off balance of {$33000.00} - Conflicting update dates and payment remarks - Separate derogatory entries on the same consumer credit file This is not a mistake- it is a materially false representation of my credit profile that inflates my total debt, doubles my derogatory exposure, and causes ongoing harm every day it remains on file. 
This isn't an error. It is a systematic violation of your duties under law - and it has crossed the line from negligence into willful misconduct. 
XXXX XXXX XXXX FALSE CERTIFICATION - XX/XX/year>2025 I possess a letter from XXXX XXXX  XXXX dated XX/XX/scrub> 2025, which falsely certifies that their reporting is " accurate. '' That letter is evidence of false certification, sent to you after these violations were already active in your system. 
This places both you and XXXX XXXX XXXXXXXX in clear violation of : - FCRA 1681s-2 ( b ) ( 1 ) ( C ) - Failure to correct known inaccuracies - FCRA 1681e ( b ) - Failure to maintain maximum accuracy - FCRA 1681i ( a ) - Failure to correct disputed data - Texas Bus . & Comm. Code 20.06 ( a ) ( 4 ) - Knowingly reporting inaccurate information - FDCPA 807 ( 8 ), ( 10 ) - Deceptive reporting practices DEMAND FOR IMMEDIATE ACTION You are hereby legally required to : Delete both XXXX XXXX  XXXX tradelines immediately You have 30 days from receipt of this letter to complete your reinvestigation and produce documentary evidence that proves the legitimacy of this reporting. 
If this is not fully corrected within that timeframe, I will file : - A formal complaint with the CFPB, Texas Attorney General, and FTC - A civil lawsuit in federal court under FCRA 1681n and 1681o for : - Statutory damages ( {$1000.00} per violation ) - Actual damages for economic harm and credit denials- Punitive damages for willful noncompliance - Attorneys ' fees and injunctive relief This letter is sent with full reservation of rights, is a notice of legal intent, and shall be admissible in any action arising from this matter.

You are on notice. Fix it - or face full federal litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
I opened a prepaid debit card account with Skrill around XX/XX/year> and they allowed me to deposit {$620.00} on that day. However, they then restricted my account for several days to where I couldn't use the money. They finally removed the restriction and I was able to make purchase on XX/XX/year>. This was frustrating, but I understand the need to perform know-your-customer reviews and restrict accounts where fraud may be suspected so I was ok with it. However, I then deposited another {$500.00} on XX/XX/year> and then they restricted my account again. I have a balance of {$980.00} in the prepaid debit card account and I have not been able to access my money for the past 13 days. I called Skrill support several times over the past couple of weeks and they said that they were escalating my case, but nothing has happened. Eventually, they asked for a copy of my bank statement on XX/XX/year>XXXX  which I promptly provided. They also sent me an email on the same day asking me to explain the purpose of using the prepaid debit card. I also provided a prompt response on the same day. I called Skrill Support today and they said that there was nothing that could be done and I just have to wait for them to complete their review. I told them that I was frustrated with the poor customer service because they have had my account restricted for 17 days over the past month since I created the account. I told them that I just wanted to move my money back to my bank and close the Skrill account. However, they said that this could not be done until they remove the restriction. Once again, I understand the need to restrict accounts for fraud or XXXX concerns. However, there are consumer protection regulations that require financial institutions to act promptly and not unduly delay access to funds without a valid reason. I do not feel that Skrill is complying with this regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
In XXXX I submitted documentation to Nelnet to have my name changed due to a court order. This change was made correctly. Nelnet then changed my name back to my former ( no longer legal ) name. This was a change made to my account without informing me or getting my consent. I contacted Nelnet to correct the problem, but by making changes to my account without my consent, Nelnet violated our agreement. Therefore my remaining loan should be discharged as they mishandled my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am disputing a {$16000.00} rental collection reported by XXXX XXXX XXXX XXXX ( XXXX ) related to a former lease at XXXX XXXX in XXXX. I do not acknowledge or accept responsibility for this alleged debt. The amount being reported is inaccurate and contains excessive and unsupported charges not clearly outlined in any lease documentation provided. 

On XX/XX/year>, I sent a formal debt validation request to XXXX, along with dispute letters to the major credit bureaus under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I requested a detailed breakdown of charges, a copy of the original lease, and proof of FCOs legal authority to collect the debt. To date, no sufficient documentation has been provided. 

On XX/XX/year>, I submitted a follow-up dispute to XXXX and XXXX, requesting that they verify the accuracy of the information being reported. It has now been over 30 days, and neither bureau has provided an explanation of how they verified the debt. This raises serious concerns about the accuracy and compliance of the reporting process. 

Additionally, there are concerns that the property may not have complied with XXXX XXXX XXXX XXXX XXXX XXXX, as no inspection or certification documentation has been provided. 

I am requesting that this account be removed from my credit reports and that all collection activity be suspended until full and proper validation is received. The ongoing reporting of this unverified debt is negatively impacting my credit and violates my rights under federal 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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Received letter from collection agency about an ambulance service in XXXX. Called as I have not been in XXXX. Collection company refused to identify the claimant .. Letter stated XXXX XXXX XXXX XXXX XXXX so I called them and they claim its from one of their other companies. So I asked for proof of that .. and was denied... I informed them that if there was any claim for ambulance services it must be billed to both the insurance company and the VA, but sending such claim to intimidate via a collection agency is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I requested the cancellation of my XXXX XXXX internet service on XX/XX/XXXX, with a requested effective cancellation date of XX/XX/XXXX. This was confirmed via live chat with an XXXX agent on XX/XX/XXXX and again on XX/XX/XXXX. Despite this, XXXX continued billing me for three months after my requested cancellation.

After noticing the charges, I filed a dispute with my bank and received a refund for the unauthorized drafts. XXXX then applied a {$25.00} return fee to my account as retaliation for the chargebacks. 

Over the next two months, I spent more than two hours across multiple live chats with XXXX agents, all of whom acknowledged the account should have been canceled as of XX/XX/XXXX and confirmed that I was due a {$100.00} refund. A refund ticket was submitted under reference numbers XXXX and XXXX, but XXXX repeatedly closed the tickets without resolution. A phone call on XX/XX/XXXX, resulted in a cancellation confirmation number of XXXX, confirming disconnection. 

Despite this, XXXX submitted the refunded amount to XXXX XXXX XXXX, a collection agency. I provided XXXX XXXX XXXX with the documented proof of the cancellation, unauthorized charges, and refund confirmation. On XX/XX/XXXX, XXXX XXXX XXXX sent a formal notice that the debt had been closed in their office. 

However, on XX/XX/XXXX, I received a text message from Sunrise, another debt collector, attempting to collect the same disputed XXXX debt that had already been closed by the previous agency. This appears to be an unlawful re-reporting or re-assignment of a debt that was not valid in the first place. 

I am seeking : Full removal of this debt from all collection activity. 

Written acknowledgment that this debt has been resolved. 

An assurance that no further collection attempts will be made or reported to credit bureaus. 

This ongoing issue has caused unnecessary XXXX, wasted time, and potential harm to my credit through no fault of my own.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  I submitted disputes on all three dates to the credit bureaus for inaccurate and inconsistent information being reported on my credit report. This did not fix the problem, and the last disputed submitted Experian stated that they did not think that it was me, so they did not conduct a reinvestigation.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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