vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am writing to formally dispute the remaining balance on my account and to clarify a number of inaccuracies and issues in your prior response regarding the total loss of my vehicle. 

Vehicle Seizure Mischaracterization It is incorrect to state that I allowed my vehicle to be seized. The vehicle was towed by my auto insurance company following an accident in which I sustained serious injuries, including going through the windshield. I was bedridden for weeks, and the vehicle was moved to allow for damage assessmentnot due to any inaction or neglect on my part. 

Improper Acceptance of Total Loss Offer Ally accepted a total loss settlement offer without my authorization or ability to dispute it, as I am not the lienholder. The offer that was accepted was significantly below the actual cash value ( ACV ) of the vehicle. This left a deficiency which should not exist, as I had both comprehensive auto insurance and XXXX insurance at the time of the accident. 

GAP Claim Denial Due to Low Valuation XXXX XXXX insurance provider denied coverage for the full deficiency not because of any missed payments, but because Ally accepted a lowball valuation. In fact : The initial offer from XXXX XXXX was rejected because it was based on a XXXX valuation, which Ally has explicitly stated is not acceptable. 

XXXX then added {$2000.00} to the valuation ( still using XXXX ) and Ally accepted it, despite the method being unchanged and flawed. 

The remaining balance is a direct result of Ally accepting this insufficient valuation without ensuring that it aligned with the XXXX policy requirements or actual fair market value. 

Responsibility & Good Faith Efforts I took all prudent and responsible steps expected of any driver. I maintained : - Full comprehensive auto insurance - XXXX coverage - A vehicle service contract And was current on my loan payments at the time of the accident ( which occurred less than XXXX days after vehicle purchase ). 

The accident itself was unavoidable and animal-related, not caused by negligence or driver error. The deficiency balance was created by Allys unilateral decision to accept a settlement below market value without verifying that it met XXXX claim standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute accounts appearing on my credit report that I believe were created fraudulently. I respectfully request a thorough investigation and their prompt removal. Supporting documents are enclosed.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'Equifax Information Services LLCXXXX XXXX XXXX GA XXXX-XXXXXXXXSubject: Request to Remove Inaccurate Credit Information\n\nTo Whom It May Concern:\n\nUpon reviewing my credit report, I have identified the following item(s) that contain inaccurate information:\n\n1. The following personal information is incorrect\n\n\n    Previous Address(es): XXXX XXXX XXXX XXXX XXXX  GA XXXX2. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n3. The inquiry was not authorized\XXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n4. The inquiry was not authorizedXXXXDate of inquiry: XXXX     Please remove it from my credit report.\n\n5. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n6. The inquiry was not authorizedXXXXDate of inquiry: XXXX    Please remove it from my credit report.\n\n\nIn accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and deleted from my report. It is my understanding that you will conduct a verification process with the relevant creditor who reported this information. I ask that any unverifiable information be promptly removed. As stated in 15 U.S.C. Sec. 1681i(a), I expect this reinvestigation to be completed within 30 days upon receipt of this correspondence. My personal information has been compromised, and I have attached those documents. \n\nPlease provide an updated copy of my credit report to the aforementioned address. Under the provisions of the act, I am not liable for any fees associated with this updated report. Additionally, I request that you notify all entities who have accessed my credit report within the past six months of any necessary corrections.\n\nThank you for your attention and assistance regarding this matter.\n\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Attached is the documents below from XXXX XX/XX/XXXXBALANCE {$0.00}XX/XX/XXXX BALANCE {$0.00} XXXX BALANCE {$0.00} XX/XX/XXXXBALANCE {$0.00} Under USC Sec 15 XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and FCRA requirements there is a total of XXXX late payments showing under " XX/XX/XXXX '' We contacted them directly because this loan has been in deferment with a balance of XXXX $ for several years now. We are asking for these XXXX late payments to be removed across all XXXX accounts. We contacted the furnisher and they said they would remove if they could but its up to the credit bureau Which is Transunion only. XX/XX/XXXX nor XX/XX/XXXX has marked any late payments on these accounts thats why under FCRA it is illegal for you guys to keep these late payments on my account. They must be removed as they are inaccurate and invalid. 

Sincerely, 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
I have never used nor have any recolection of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXXXX/XX/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 2025-10-17 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have enclosed a cease and desist letter. I want this removed from my credit report immediately from XXXX its been removed for the other credit bills already this account was paid. I asked for the proper tax form because it was paid and they never sent it to me. They are illegally reporting a paid account to my Credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -Balance {$2600.00} -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent a wire, and the bank representative added a fraudulent first name to the name I gave him, making the wire wrong. And recipient returned immediately. Because of the BofA representative ( XXXX XXXX ) that committed fraud, bofa has put a hold on my money. And say they need XXXX weeks to investigate even though the wire is being returned, as of XXXX  days ago. 

And the return hasn't posted to my account, because of the hold on the account. Caused by the BofA wire department.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received a phone call from Chime stating my account was trying to be used by someone in another state. The woman told me I needed to move move to my new account. She walked me threw all my accounts, she knew what i had in each account. Told me how to move it and send it. gave me the new account number. Said my new account would show up in 30 min. After the 30 minutes I called chime back. They said they didn't know what I was talking about. That chime don't call people. I have a phone record of 3 missed calls, I then called back and it was chime. Then they called back and I answered, and that's when they took my money. I have disputed it 3 times with all the information phone calls and still get denied. Chime stole my money. The woman gave me confirmation numbers, case ID number and a new account number. When I looked the up the number that she had me send it to, it was a California number. I live in NY. So the account number was undoubtfully a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX BMO Bank N.A . 
Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Financial Crimes Unit Email : XXXX Phone : ( XXXX ) XXXX Subject : XXXX XXXX Dear BMO Investigations Department, I am writing in response to your letter dated XX/XX/XXXX. I understand your findings, but I request a further review of this matter. While I did visit the branch to withdraw funds, I was misled into depositing checks that I later learned were altered or fictitious. I did not know the checks were fraudulent at the time, and I was under the impression that they were legitimate payments. I was not aware of any wrongdoing until after the transactions were returned. 
Additionally, BMO should not have permitted the opening of a new account using my information when a previous account had already been charged off and reported to XXXX. This demonstrates a lapse in your internal account-verification procedures. I am filing a police report and FTC Identity Theft Affidavit to document the incident and protect myself from future misuse of my information. I request that BMO : 1. Note in your records that I was a victim of fraud/misrepresentation, not the originator of the fraudulent checks. XXXX. Work with me to resolve or remove the negative reporting to XXXX. 3.

Provide copies of the account-opening and transaction records for my documentation. Thank you for your time and cooperation. I am willing to cooperate fully in your investigation. Sincerely, 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 2025-10-16 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: WA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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