vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
XXXX : XXXX Vehicle : XXXX XXXX XXXX Dealership : XXXX XXXX ( now XXXX  XXXX ), XXXX XXXX XXXX XXXX, XXXX, IL Lienholder : Ally Financial Service Contract Provider : XXXX XXXX XXXX XXXX In XX/XX/year>, I financed a vehicle through a dealership using Ally Financial as the lender. My loan was fully paid off and satisfied on XX/XX/year>. I could not afford the vehicle. 

The dealership included a service contract with XXXX XXXX ( approximately {$3100.00} ) and XXXX insurance ( approximately {$700.00} ), totaling about {$3800.00}. 

According to XXXX XXXX : The service contract was canceled on XX/XX/year>, at 89 % with a {$50.00} cancellation fee. 

The XXXX insurance was canceled on XX/XX/year>, at 96 %. 
They confirmed both refunds were sent to Ally Financial as the lienholder. 


When I contacted Ally Financial, they stated that only XXXX refunds were processed : {$69.00} ( overpayment refund ) issued XX/XX/year>. 

{$510.00} ( service contract refund ) issued XX/XX/year>. 


No record of a XXXX refund or any additional service contract refund exists is what I was told. They were not willing to provide any more information as to why there was such a large portion of my refunds missing. 

I have confirmed with XXXX XXXX that the majority of funds from both cancellations ( nearly 90 % of both contracts ) should have been refunded to Ally. Because the loan was fully satisfied and paid off before these refunds were issued, any refund proceeds sent to Ally should have been returned to me as the borrower. 

I am requesting that the CFPB investigate the handling of these refund proceeds by Ally Financial and ensure that the remaining balance estimated to be approximately {$2800.00} is properly accounted for and refunded to me. 

I have the service contract and bill of purchase and all official documentation ready to send over. I am holding off on sending initially until you request the more personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-06 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:
Please inspect the enclosed materials the inquiries took place without prior communication and might not be approved.

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 2025-11-06 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get constantly called from different numbers. Got one text, I block the number and get calls from different numbers. Can't block them, always new numbers they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am disputing the following inquiry entries on my Experian credit report. I request that these items be verified in accordance with FCRA regulations, and if they can not be verified, they should be removed. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am disputing the following accounts as reported by TransUnion. The reporting of these accounts violates the FCRAs requirements for accurate reporting, including the failure to properly report account balances, payment statuses, and charge-off dates. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries : 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint against Chase Bank for closing my accounts without prior notice, despite my history of making all payments on time and keeping my account in good standing. I was given no explanation or advance warning, which caused inconvenience and financial disruption. 

By closing my account without proper notice or justification, Chase Bank may have violated my rights under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, which prohibits creditors from taking adverse action against a consumers account without providing a timely written notice explaining the reasons. Additionally, this action appears to be unfair and inconsistent with consumer protection laws requiring fairness and transparency in account management. 

Closed accounts : card 1 : XXXX XXXX XXXXXXXX Card 2 : XXXXXXXX XXXX XXXXXXXX Card 3 : XXXX XXXX XXXXXXXX Card 4 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Addendum CFPB Supplemental Narrative Summary of Servicing Errors and Mischaracterization by SPS I submitted RESPA QWR/NOE/RFI letters to SPS on XX/XX/XXXX ( delivered XX/XX/XXXX ) and again on XX/XX/XXXX, addressing transfer/boarding records, life-of-loan payment history, escrow/suspense activity , force-placed insurance , chain of title, and credit reporting. SPSs response dated XX/XX/XXXX mischaracterizes my RESPA disputes as mere inquiries and inaccurately suggests home retention/hardship, although I never requested loss-mitigation. 

SPS also : 1 ) admits it can not locate required transfer/boarding records ; 2 ) asserts the account is due for XX/XX/XXXX notwithstanding my XX/XX/XXXX reinstatement payment ( ~ {$62000.00} ) ; 3 ) refuses to provide chain-of-title/ownership verification ; 4 ) reports no completed escrow analysis ; 5 ) claims it can not correct credit reporting submitted by prior servicers. 

These positions violate 12 U.S.C. 2605 ( k ) ( 1 ) ( D ) and 12 C.F.R. 1024.35, 1024.36, 1024.38, and risk FDCPA/FCRA violations due to false delinquency coding and inaccurate reporting. SPS has not corrected the servicing-transfer errors or provided the complete validation and account documentation requested. 
Issues include : Misapplied escrow and payments during/after transfers from XXXX / XXXX XXXX XXXX XXXX 
Force-placed insurance despite valid HO-3 coverage ( SPS escrow ledger reflects a {$3200.00} insurance charge on XX/XX/XXXX while I paid my insurer on XX/XX/XXXX ). 
Incorrect tax accounting ( e.g., unexplained tax refund entries removing funds ). 
Failure to produce a full life-of-loan payment history and escrow analyses. 
Failure to properly update and honor my ACP-protected address. 
Inaccurate or uncorrected credit reporting. 

I made the XX/XX/XXXX reinstatement in good faith to cure arrears ; the account remains inconsistent and fees appear improper. 
Requested CFPB Relief : 1 ) Direct SPS to remove any hardship/loss-mitigation designations and correct its internal coding. 
2 ) Correct the account to current/reinstated as of XX/XX/XXXX, reversing any improper fees, force-placed charges, or misapplications. 
3 ) Produce complete life-of-loan payment, escrow, and suspense histories, and all transfer/boarding records. 
4 ) Verify the current investor/owner of the loan and provide supporting documentation. 
5 ) Provide completed escrow analyses and correct any tax/insurance entries. 
6 ) Correct any credit reporting and provide written confirmation of corrections, including the names/addresses of any CRAs furnished to. 
7 ) Send all communications only to my XXXX address : ( XXXX ) XXXX XXXX XXXX XXXXXXXX, FL XXXX. 
8 ) Place the account on a temporary administrative hold from adverse action/fees while RESPA issues are resolved and designate a single point of contact. WQR/NOE/RFI full text attached as Exhibit A to J

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There was an authorized user on my Care Credit account. I removed the authorized user in XXXX or XXXX of this year however was never advised until NOW that the person removed would have to send in a copy of their SS #, Drivers License and letter to get the information removed from their credit. Legally, once removed the tradeline should no longer 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 2025-11-06 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: CA

Complaint narrative:
In XX/XX/year>, I mailed a dispute letter to Equifax regarding inaccurate information on my credit report. It was received on XX/XX/year>. On XX/XX/XXXX, Equifax responded but provided no proof of how the information was verified. I mailed a Method of Verification ( MOV ) request on XX/XX/XXXX, received on XX/XX/XXXX, but received only a generic response stating insufficient information. I sent a Final Notice of Noncompliance on XX/XX/XXXX, received on XX/XX/XXXX, and again received no valid verification. Equifax has failed to provide documentation or complete a proper reinvestigation within FCRA timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/year>, I contacted Bank of America to dispute a transaction that was processed on XX/XX/year>, on my daughters checking account. For {$450.00}. During the call, I was transferred multiple times without resolution. When I requested to speak with a manager, I was connected to someone who identified himself as XXXX XXXX. 

XXXX XXXX informed me that I would never receive a refund for the disputed transaction, a statement that was both unprofessional and distressing. I believe this behavior constitutes a violation of fair consumer treatment and reflects a failure by the bank to properly investigate and resolve my 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
My XXXX credit card account was closed in XX/XX/year> without my authorization. I never requested for this account to be closed and I wanted the account to remain open. In XX/XX/year>, my account suddenly showed available credit again as if it was active. 

I contacted customer service and they were not able to explain why my account was closed, why it later showed available credit, or what the current status of my account actually is. I was told there is no answer for me, which is unacceptable. 

I am requesting an investigation and a written explanation for : 1. Why my account was closed without my consent 2. Why my account later showed available credit in XX/XX/year> 3. What my account status actually is today 4. Whether any unauthorized actions have occurred on my account I want this corrected immediately and documented because this could impact my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have reached out to Wells Fargo Card Services, which is reporting a charge-off account with a balance of {$3900.00}, multiple times in XXXX and XXXX to dispute this account as a result of identity theft. I provided all supporting documentation, including a police report, an FTC Identity Theft ( FCRA ) report, my Social Security card, drivers license, and a utility bill to verify my identity. These documents were sent via certified mail on three separate occasions. In addition, I have called Wells Fargo several times, and each time I was provided with different names and addresses associated with the account, confirming that this account does not belong to me. Despite this, the account remains unresolved and continues to be reported inaccurately under my name.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to fix the erroneous items that are being reported on my behalf for more than over a year and yet I have not had any luck getting the reporting agencies to comply with the FCRA, CFPB and TILA. This is my last attempt to fix this issue with the following agencies listed in my attachments. Please consider that I have had a great deal of hardship due to these errors.

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