vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
Ally Financial did not process title paperwork because they were unaware that there was submitted title paperwork that they were required to process. Regardless of who or why the paperwork was submitted, it is the lienholder 's responsibility to properly process that paperwork. Ally did not do this. They told us multiple times that there was no outstanding paperwork. After confirming with the DMV that there was outstanding title paperwork, Ally then acknowledged the issue. We were unable to operate our vehicle because of Ally 's failure to process the paperwork as detailed in previous complaints. This caused damages in the amount of {$16000.00}. When I spoke to XXXX with XXXX XXXX XXXX she told me to send an email to XXXX to request the amount of compensation. Nobody ever responded to that email and she closed the complaint prematurely without fixing the issue. XXXX also stated that she was unaware of my request for compensation which I made very clear while on the phone with her initially. I have provided the legal requirement for compensation for loss of use of vehicle. I was unable to operate my vehicle directly due to Ally, not the DMV and not the vehicle dealership as they have tried to place the blame on. The duplicate title was not correctly processed, it was not processed at all, by Ally who is the lienholder. I have been trying to resolve this issue for months now and Ally denies that it has done anything wrong however they simply did not process vehicle title paperwork which caused me to be unable to operate my vehicle. That is very simple and frankly surprising that they do not understand that they simply made a mistake. Ally Financial 's mistake cost me {$16000.00} and I will not accept the fact that they are attempting to take advantage of me as a consumer like that. I will continue to inform people on social media and their trade partners of the situation that they have put me in until this is made right. I have done everything I can on my end to help them fix this situation but they continue to not in good faith and against their own company values.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I HAVE PROVIDED ALL NECESSARY DOCUMENTATION TO EQUIFAX AND TRANSUNION BUT THEY DID NOT USE THEM PROPERLY TO REMOVE THE WRONG INFORMATION FROM MY REPORT. IF YOU CAN ASSIST ME WITH THIS SITUATION THAT WOULD BE REALLY NICE AND I WOULD LOVE TO SEE THAT SOMETHING IS ACTUALLY GOING ON NOT THEM JUST IGNORING ME LIKE I NEVER EXISTED. THANKS AND HOPEFLLY WE GET SOMEWHERE WITH THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My card was stolen. Citi failed to verify my identity. They hung up the phone on me after telling me they mailed a card to verify my identity and I have to wait 7 to 10 business days to receive it. I let them know I moved and they have my old address in the mean time I don't know if there are other fraudulent charges on my account. No one will help me figure out what happened with my card and how to handle this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
In XX/XX/year>, I agreed to co-sign for a close friend XXXX XXXX who was unable to qualify for a car loan alone. I went with her to XXXX XXXX in XXXXXXXX XXXX  believing I was co-signing. I had never purchased a car before and had no reason to believe anything was wrong during the process. 

A few months later, I started receiving calls from AutoNation formerly known as CIG Financial ( at the time ), only to discover that the loan was placed solely in my name. I never received the car, made any payments, or agreed to be the primary borrower. The vehicle was driven by my friend, and I had no access to it. 

This loan has since been charged off and is severely impacting my credit. I believe the dealership misrepresented my role and used my information without proper consent. I am requesting a full investigation and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I disputed how my closed XXXX XXXX Bank credit card account is being reported. Although the account is paid and closed, all three credit bureaus are showing misleading and damaging language. 

Experian : XXXX, XXXX. {$210.00} written off Equifax : Paid charge off TransUnion : Account paid in full was a charge-off This wording is inaccurate and harms my credit. I requested that the status be corrected to reflect Paid/Closed with no reference to charge-off or write-off. 

Despite my dispute and mailing a correction letter with documentation, the status was verified and not corrected. This violates FCRA 607 ( b ) and 611 ( a ), which require credit data to be complete and accurate. 

I am asking that the credit bureaus and data furnisher correct this language or delete the tradeline if they can not provide accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I disputed how my closed XXXX XXXX Bank credit card account is being reported. Although the account is paid and closed, all three credit bureaus are showing misleading and damaging language. 

Experian : XXXX, XXXX. {$210.00} written off Equifax : Paid charge off TransUnion : Account paid in full was a charge-off This wording is inaccurate and harms my credit. I requested that the status be corrected to reflect Paid/Closed with no reference to charge-off or write-off. 

Despite my dispute and mailing a correction letter with documentation, the status was verified and not corrected. This violates FCRA 607 ( b ) and 611 ( a ), which require credit data to be complete and accurate. 

I am asking that the credit bureaus and data furnisher correct this language or delete the tradeline if they can not provide accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a credit card jetBlue Card plus under my name. I never applied or requested the card. I called the credit card and requested to close my account. Unfortunately they can not give me any information regarding how this account was opened in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A total of 7 unauthorized transactions were made with my debt card information. The total amounted to XXXX. I have attached the purchase that has the location and charge total. I was told my claim got denied because an actual physical chip card was used. This was NOT my card as I had it with me and even destroyed and disposed of it just how Wells Fargo told me to do once my new card came in. These charges were made in other states as well with the same amount that I couldnt possibly do. I was told to talk to XXXX for this issue. Upon talking to them, they could not find the transactions and therefore could not help me. I then tried to dispute the claim, yet again I was told thats not possible due to an actual card being used for the purchases.I know longer know what to do and I am looking for help.

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 monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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 requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that s
uch information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain
ing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
Dear CFPB XXXX, I am filing this formal complaint against the XXXX XXXX XXXX for its continued failure to remove or correct inaccurate and unverifiable information from my credit file, despite having received both my initial dispute and follow-up reinvestigation request, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion, EQUIFAX, and Experian has failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ), and they have not updated or deleted the information I disputed. Their letter dated XX/XX/year> ( attached ) demonstrates a refusal to engage meaningfully with my dispute, instead issuing a blanket rejection without proper investigation or verification of the disputed items. I have constantly been violated by the XXXX XXXX XXXX. 
This conduct violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring reinvestigation of disputed information within 30 days ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandating deletion of information if it can not be verified ; 15 U.S.C. 1681e ( b ) requiring consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) obligating CRAs to provide notice of the consumers right to file a statement of dispute when their reinvestigation fails. 

I demand a revised and corrected credit report reflecting permanent deletion of the items listed in my report and any other unverifiable or inconsistent data on file. Failure to act will result in formal complaints with the CFPB, FTC, and potential legal action under federal law. 


Attached Documentation : Copy of FTC Identity Theft Report SmartCredit XXXX Report ( highlighted ) Government-issued photo ID Proof of current address ( utility bill or bank statement ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
Dear CFPB XXXX, I am filing this formal complaint against the XXXX XXXX XXXX for its continued failure to remove or correct inaccurate and unverifiable information from my credit file, despite having received both my initial dispute and follow-up reinvestigation request, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion, EQUIFAX, and Experian has failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ), and they have not updated or deleted the information I disputed. Their letter dated XX/XX/year> ( attached ) demonstrates a refusal to engage meaningfully with my dispute, instead issuing a blanket rejection without proper investigation or verification of the disputed items. I have constantly been violated by the XXXX XXXX XXXX. 
This conduct violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring reinvestigation of disputed information within 30 days ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandating deletion of information if it can not be verified ; 15 U.S.C. 1681e ( b ) requiring consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) obligating CRAs to provide notice of the consumers right to file a statement of dispute when their reinvestigation fails. 

I demand a revised and corrected credit report reflecting permanent deletion of the items listed in my report and any other unverifiable or inconsistent data on file. Failure to act will result in formal complaints with the CFPB, FTC, and potential legal action under federal law. 


Attached Documentation : Copy of FTC Identity Theft Report SmartCredit XXXX Report ( highlighted ) Government-issued photo ID Proof of current address ( utility bill or bank statement ) Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/2025 my Bank of America Checkings, Savings, and Credit Card were all closed. I was not notified electronically or informed of the account closure, and only discovered this on XX/XX/2025 when I tried to access my online banking account via web and mobile to pay some online bills. Both accepted my credentials but prompted that no account existed. On XX/XX/XXXX, today as of this writing, I contacted support, requested assistance in-person from a local branch, and later contacted their risk department from a number that was provided to me. The only information that was given to me was " A decision was made, and we can't provide any other information ''. I tried my best to inquire any reasoning being the closure, but no one provided me with any information that I could use to clarify or fix what clearly must've been a mistake. My account has been in good standing for over 15 years, no overdrafts, my credit card was always paid on time, and no fraudulent activity. My credit score has consistently been above XXXX. In the few past months, my account has be consistent with historical activity such as withdrawals, direct-deposits from work, and online bill payments to other credit cards. I have receipts for all transactions to and from my bank account and have not committed any fraudulent activity or engaged in any perceivable risk that would warrant the account closure. I believe the decision and lack of justification for the account closure has been demoralizing and may even impact my credit score due to my Bank of America credit card being my longest standing account on my credit score. I've been given no opportunity to clarify what the concern was before the decision was made. Bank of America unilaterly made their decision and has caused harm. I am currently unable to access my funds to pay bills that are due today. I requested immediate access to withdraw from my local branch, only to be informed that the best they could do was put in a request and to check back on Monday and there might be chance I'd have to wait for a check in the mail. I have been a Bank of America customer for well over 15 years with my accounts in good standing throughout the entire time I was a customer. The timing of their decision couldn't be worse as payroll with my current job has already been submitted and my direct deposit will need to be diverted. This adds additional pressure since rent and many other bills are due within the next few days.

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 monetary relief