vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: CORELOGIC INC
State: MA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and XXXX  for their failure to investigate and correct inaccurate information appearing on my credit reports, as required by the Fair Credit Reporting Act ( FCRA ). 

Since XXXX of this year, I have sent multiple written disputes to each of the XXXX credit bureaus requesting verification of several accounts that contain false, incomplete, or inconsistent information. These accounts include numerous discrepancies such as incorrect balances, inaccurate payment histories, wrong dates of account activity, and accounts that do not belong to me. 

Despite providing detailed dispute letters and supporting documentation, I have not received proper verification or resolution. The disputed accounts remain on my credit reports without correction or deletion, which is a violation of my rights under FCRA Section 611 ( 15 U.S.C. 1681i ). The credit bureaus are required to conduct a reasonable investigation within XXXX  days and delete any information they can not verify as accurate. 

These continued inaccuracies are causing harm to my creditworthiness and affecting my ability to obtain fair financial opportunities. I am requesting the CFPBs assistance in compelling XXXX, XXXX, and XXXX  to : Conduct a proper and thorough investigation of all disputed accounts. 

Provide documented proof of verification for each account they claim is accurate. 

Immediately delete any accounts or information that can not be fully verified. 

Provide me with updated copies of my corrected credit reports. 

I appreciate your attention to this matter and request a timely response. Enclosed are copies of my previous dispute letters and proof of delivery to the credit bureaus. 

Thank you for your assistance in protecting my consumer rights.

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 2025-10-25 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:
Complaint Against : XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX ( XXXX XXXX XXXX ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX ( XXXX XXXX XXXX ) for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by reporting consumer information including a bankruptcy record that can not be verified from a lawful original source.

I previously disputed this data and requested full source verification and a security freeze. Each of these companies failed to respond within the required 30-day period under FCRA 611 ( a ) ( 1 ) and did not provide any verifiable documentation identifying the original furnisher of the information.

The U.S. Bankruptcy Court ( XXXX XXXX XXXX XXXX  ) has confirmed in writing that it does not furnish or report any consumer data to XXXX XXXX. Therefore, these entities are not obtaining such information from the original source and are misrepresenting the origin of the public record in my consumer file.

FCRA Violations Include : 609 ( a ) ( 1 ) : Failure to disclose the exact source of the reported information.

607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

610 : Failure to disclose all third parties that accessed or received this data.

611 ( a ) ( 1 ) : Failure to reinvestigate and respond to my written dispute within the required time.

Requested Resolution : I am demanding that the CFPB require XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX ) to delete any and all consumer information that can not be fully verified by law from the original furnisher, as required under the FCRA.

Generic sources such as public record, PACER, or third-party vendor are not sufficient proof of verification. Unless the entity can produce the exact name of the furnisher, date, and method of acquisition, the information must be deleted immediately from my consumer file.

Additional Note : This complaint should be preserved for the record, as I am considering further legal action under FCRA 616617 for willful and negligent noncompliance.

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 2025-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial, On XX/XX/scrub>, 2025, my XXXX was repossessed while I was at work. I had previously extended my lease and had communicated my intention to extend it to the company. I had also expressed my desire to purchase the vehicle outright. 
Despite being aware of the time constraints, I was never informed that my vehicle would be repossessed. Had I been, I would have promptly surrendered it. Over the past XXXX years, I have consistently made timely payments. When I contacted them to inquire about the procedures for reclaiming my vehicle, I encountered significant difficulties after speaking with numerous employees who were uninformed. I acknowledge my responsibility for not prioritizing the matter before the leases expiration. It is evident that they clearly inform customers that their calls are recorded, yet I fail to comprehend why they do not review the recordings to identify their error. I diligently followed all the necessary steps to retrieve my vehicle, including filing for a loan, as Ally specifically instructed me to do and remit a check by the XXXX. I was assured that I would be able to retrieve my vehicle if I adhered to the correct procedures during the retrieval process. However, I was informed that the repo company would remove all items from my car, which was inaccurate. I still am missing several items that I had purchased myself. I knew at the time I was going to purchase the vehicle, which is why I refrained from contacting the repo company to express my dissatisfaction. However, I was unaware that they had already transferred the vehicle to the auction company, despite my insistence on its return. I understand that I had limited time, and they advised me to act swiftly, which I did on Wednesday. Despite experiencing numerous phone/internet issues I persistently STILL attempted to contact them, only to find it nearly impossible to reach anyone for an entire morning and afternoon, resulting in significant wasted time. Additionally, I made several calls requesting my lease buyout, only to be repeatedly informed that an email would be sent, which I waited an entire day for without any response. Finally, I managed to connect with an individual who provided assistance. However, I discovered that their phone and internet services had been down for several days, and they had only recently restored them. Despite my prompt action and adherence to their instructions, I was met with deceit. Consequently, I am now burdened with an almost {$4000.00} charge from them, which is unjustified given my sole intention of purchasing the vehicle. I am perplexed as to why the purchase process was so contentious, as my lease explicitly states that I had the option to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681-c2 and I need these accounts blocked and deleted off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX, Remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.

Complaint narrative:
In XX/XX/scrub> 2025, an identity thief using my SSN successfully opened a fraudulent account with Montgomery Ward ( XX/XX/XXXX ) of XXXX XXXX, including a store credit card, and purchased hundreds of dollars of items to be shipped to my former US address. I now live abroad, and that is likely why they targeted me. I am lucky I was even notified by the new homeowners I had received a package in my name. 

As soon as I knew, I emailed to notifyXX/XX/XXXX of the fraudulent transaction and account, and while they didn't tell me much in response, it appears they did immediately mark the account as fraud. I called and confirmed, and learned what information was used to create the fraudulent account -- name, phone, and SSN. 

The suspect later called XX/XX/XXXX, asking for the package to be rerouted to a different address, despite it already having been delivered. 

I have since frozen my accounts, and placed a fraud alert, which was difficult out-of-country. It appears XX/XX/XXXX did scrub the transaction and account off my credit reports as I requested in my emails, or more likely I was fast enough that it never made it into the monthly reports to credit bureaus. 

In my view, and based on other similar CFPB complaints, cybercriminals are using XX/XX/XXXX lax security and authentication processes to test stolen identities, including SSNs, and go on to commit fraud and identity theft. Montgomery Ward needs to be held accountable and made to improve their identity verification under threat of losing their ability to issue credit lines to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: SC

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

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 2025-10-25 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: FL

Complaint narrative:
I am filing a complaint to follow up on my previous dispute regarding an unauthorized and unverified inquiry that continues to appear on my credit report. This matter has not yet been resolved, and I am again requesting the permanent removal of the inquiry in question as it violates federal reporting laws and was not initiated or authorized by me.

The inquiry XXXX XXXX XXXX XXXX Date : XX/XX/year> remains listed on my credit report despite my prior notification that I did not grant any permission or authorization for this entity to access my credit file. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), no one may obtain a consumer report without a permissible purpose and proper authorization. Additionally, FCRA 619 15 U.S.C. 1681q makes it unlawful to knowingly and willfully obtain a credit report under false pretenses. Furthermore, I am exercising my rights under 605B / 15 U.S.C. 1681c-2, which allows the blocking and removal of information resulting from identity theft or fraudulent activity.

Since this inquiry was not made by me and no verifiable documentation has been provided showing my consent, this record must be permanently deleted from my file. The continued reporting of this unauthorized inquiry violates my rights under the Fair Credit Reporting Act ( FCRA ) and constitutes a failure to maintain accurate and verified information.

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 2025-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
I placed an order using my Cash app card. After a certain amount of days my item was never received. I opened a dispute and they denied it, knowing I never received my item or money back due to it being fraud after denying my dispute I asked for them to re-dispute it after that they closed my account. Never did I receive my item or my money back and then on top of that they closed my account. I am trying to get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
A merchant I didnt authorize take money on my account by multiple times and i was contacted the bank they said this merchant was using XXXXXX/XX/XXXX to remove money in my account with chase XXXX department told me this merchant from XXXX XXXX I never travel to there I dont where they come from with this and they said my card was using in XXXX XXXXXX/XX/XXXX and XX/XX/XXXX I didnt authorize that in XXXX time they take XXXX dollars never authorized this transaction XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
In XX/XX/XXXX, I financed a vehicle through a dealership, and the retail installment contract was assigned to Credit Acceptance Corporation. The loan required 30 monthly payments of {$150.00} beginning XX/XX/XXXX. Due to financial hardship, I was unable to make the scheduled payments, and Credit Acceptance later obtained a default judgment for {$3800.00} in XX/XX/XXXX. 

Since that time, Credit Acceptance has continued to report the account to TransUnion as an open, active installment loan showing a $ XXXX monthly payment, the entire balance ( {$3600.00} ) as past due, and ongoing delinquency of XXXX to XXXX days late every month. This reporting has continued through at least XX/XX/XXXX, even though the debt was reduced to judgment over a year ago. 

I disputed these inaccuracies with Credit Acceptance, explaining that the data being furnished violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Specifically, only missed installments should be reported as past due, not the full balance ; a $ XXXX monthly payment is factually incorrect ; and a post-judgment account can not remain open and delinquent. Credit Acceptances written response ignored these issues and simply confirmed that I signed a contract. 

I am requesting CFPB assistance because Credit Acceptances ongoing reporting is inaccurate and misleading, continues to harm my creditworthiness, and fails to comply with the FCRA and industry standards for accurate data furnishing.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My wife and I tried to get a home equity loan because our roof was leaking. Our credit union to me she could not get a score on my trans union bureau. They tried numerous times and told me to call Trans Union. I called Trans union numerous times, and after I paid a fee they sent me a copy. It only reflected 1 small credit card with a {$400.00} balance. So my score was a XXXX. It didn't reflect my perfectly paid car loan or anything else which would immensely raise my score. I called the lender, they told me that they've reported to Trans union since we bought the car. They sent me a letter showing it's been paid perfectly, but that doesn't help my score. Now we're in jeopardy of being denied. Trans Union is awful. Can you please help me.

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 2025-10-25 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 previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( 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 2025-10-25 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: Chime Financial Inc
State: NJ

Complaint narrative:
I have been charged multiple time from few unknown virtual merchant without any consent and any fraud alert in my chime bank account. The amount is more than {$100.00} it happened before also but around {$10.00} similar virtual websites and I got a replacement card. This time they are not approving my dispute. I asked for the reason of not approving they were not able to give me the valid reason of this decision. I re appealed it still same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The listing is erroneous and gives a misleading account of my financial reliability. Please review and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is a XXXX SCAM. The phone service was obtained through the XXXX program that was initiated for difficult time started with PANDEMIC. This program offered a free phone and free service. I was needed a phone service primarily for incoming calls and outgoing phone calls and messages. I did not care about the Internet on my phone.The phone that XXXX offered was XXXX XXXX  XXXX. XXXX illegally charged taxes on free phone and I am not knowing that that is illegal paid taxes on free phone. The phone was dysfunctional and right away I reported it to XXXX and asked for a replacement. XXXX refused to replace the nonworking phone. They told me to repair it on my own and contact the XXXX about it. It took a lot of my time to look for a way to repair that phone through XXXX. It was necessary to go to XXXX XXXX. I was unable to do that. I also felt that XXXX failed to provide fair service. I sent them their broken XXXX XXXX XXXX and moved to a different company that operated under XXXX XXXX program. I suffered a lot since I was not able to use corrupted XXXX  phone and for XXXX months was missing my medical appointments and rides to medical appointments that provided service through XXXX and XXXX and required a cell phone. I am shocked of such abuse of XXXX. I was exhausted with XXXX  customer services. XXXX did not get payment from XXXX XXXX and try falsely to make me responsible for their unfair practices. It is era of bad businesses that do not held accountable and need to spend a lot of time until finally the justice will prevail. This is XXXX that still own me taxes for free phone that was around {$60.00}. Plus I had {$45.00} attached to my number XXXX. The XXXX refused to let me to transfer my number and I lost it and was required to get a new number.

Company response to consumer: Closed with explanation