vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection auto loans you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection auto loans Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
This complaint concerns Ally Banks failure to properly investigate a Regulation E settlement error involving a {$2000.00} XXXX transfer I sent on XX/XX/year>, to a known recipient. The recipients XXXX account had been closed the day before the transfer, and XXXX documentation shows the funds were returned. Despite this, Ally has not credited the funds back and continues to treat the matter solely as an authorization issue. 

I authorized the transfer, but it was never successfully settled. The receiving bank returned the funds, and I provided Ally with : XXXX. XXXX proof of return ( Exhibits XXXX ) XXXX. XXXX account-closure notices dated XX/XX/year> ( Exhibits XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX statements showing no deposit after the recipients email was linked to XXXX  ( Exhibits XXXX ) Timeline highlights : XX/XX/year> : Filed dispute with Ally ; Ally acknowledged receipt ( Exhibit A ). 

XX/XX/year> : Ally denied the dispute, stating the transaction was authorized and processed without error ( Exhibit B ). 

XXXX XXXX XXXX : Submitted Chase return proof ( Exhibits XXXX, XXXX ), closure notices ( Exhibits XXXX, XXXX ), and BOA statements ( Exhibits XXXX, XXXX ), as repeatedly requested by Ally phone representatives. Ally acknowledged receipt ( Exhibits XXXX, XXXX ). 

XX/XX/year> : Ally phone representative stated the case would be reopened and a Regulation XXXX investigation requested. 

XX/XX/year> : Ally closed the case again, reusing the XX/XX/XXXX denial ( Exhibit F ). 

XX/XX/year> : Sent a secure message formally requesting a Regulation E settlement investigation ( Exhibit G ) ; Ally confirmed escalation to the executive team ( Exhibit H ). 

XX/XX/year> : Ally again denied the dispute, stating the transaction was authorized ( Exhibit J ). I responded, emphasizing the settlement error and setting an XX/XX/XXXX deadline ( Exhibit K ). 

XX/XX/year> : No response from Ally. 

Regulation XXXX concerns : XXXX. Ally did not review ACH return logs or XXXX settlement records. 
XXXX. No evidence that Ally contacted XXXX through interbank channels to verify the return settlement. 
XXXX. Improperly shifted the burden to me to gather evidence from third-party banks. 
XXXX. Failed to provide provisional credit during the investigation period.

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 2025-08-13 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 filing a formal complaint to dispute and demand the immediate deletion of the inaccurate and fraudulent information appearing on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct and update information that is incomplete or inaccurate, and 605B 15 U.S.C. 1681c-2, which requires credit reporting agencies to block information resulting from identity theft upon receipt of a proper identity theft reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 am filing a formal complaint to dispute and demand the immediate deletion of the inaccurate and fraudulent information appearing on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct and update information that is incomplete or inaccurate, and 605B 15 U.S.C. 1681c-2, which requires credit reporting agencies to block information resulting from identity theft upon receipt of a proper identity theft reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$750.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is now the fifth time I have had to dispute the inaccurate reporting of my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). From the very beginning, I have been the only party to provide verifiable proof, while neither Experian nor the furnisher have ever produced a single piece of evidence to support their reporting. The charge-off date has been changed without my knowledge, without any notice, and without providing supporting documentation, contradicting the information provided by XXXX XXXX XXXX XXXX the alleged buyer. Additionally, the last payment date reported does not match the actual payment records, and since my very first dispute, the name of the buyer has never been disclosed on my credit report. No IRS 1099-C form was ever issued for this account, which raises serious compliance concerns. These ongoing discrepancies have damaged my credit profile, lowering my score from 698 to 644, and have caused significant financial harm. I have requested multiple times that this unverifiable and inconsistent information be removed, yet Experian continues to report it in violation of the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 604 ( A ) ( 1 ), 611, and 623 ( A ) ( 1 ) ( A ). I am demanding full deletion of this account from my credit report as Experian and XXXXXXXX XXXX have repeatedly failed to meet their legal obligations to investigate, verify, and accurately report 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 2025-08-13 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: NY

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which is XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C.

1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. 
Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed item or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require TransUnion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to use my Citi XXXX Credit Card to make a {$4500.00} down payment for new cabinet installation. The transaction failed at the time and was canceled by the merchant. 
Several weeks later, I discovered the {$4500.00} charge had posted to my account. I contacted the merchant, who confirmed in writing via text that this was a duplicate payment and provided a copy of his bank statement showing the funds were returned to Citibank. 

I filed a Duplicate Payment / Pay by Other Means dispute with Citibank. They requested more information but allowed only two documents to be uploaded, even though I had multiple pieces of relevant evidence. I expected further communication to submit the rest, but instead I received an email stating the case was closed and my provisional credit was reversed.

I later resubmitted all evidence, including : The contract showing the work was paid by other means Text messages from the merchant confirming the duplicate payment The merchants bank statement showing reversal of funds to Citibank Citibank reopened the case but did not restore provisional credit. They also reported to credit bureaus that I was over my limit. 
From late XXXX through XX/XX/year>, I called Citibank almost daily for updates. Every time, I was told the case was still processing and that there was no way to contact the dispute department. Supervisors confirmed this information. On XX/XX/XXXX, I was transferred to the XXXX Department, where I was told the case had actually been closed since XXXX XXXX everything I had been told. The Executive Department apologized and stated the case would be reopened.

I believe Citibank closed the case without fully reviewing the evidence and may have intentionally delayed providing accurate updates to run out the legal 90-day dispute resolution period.

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 2025-08-13 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:
I am filing a complaint Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting these accounts in the same negative manner as high-balance charge-offs creates a misleading impression of the severity and impact of the debt, thereby failing to meet the maximum possible accuracy standard required by law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00} 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am filing a complaint Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting these accounts in the same negative manner as high-balance charge-offs creates a misleading impression of the severity and impact of the debt, thereby failing to meet the maximum possible accuracy standard required by law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00} 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 XX/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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally request the blocking of fraudulent accounts and information appearing in my credit file that resulted from identity theft, as provided under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). 



Pursuant to this section of the law, I am providing the following required documentation : XXXX. FTC XXXX Theft Report ID : XXXX XXXX. Proof of Identity : XXXX of my driver 's license / state ID XXXX. Proof of Address : [ XXXX bill, bank statement, etc. ] XXXX. Social Security XXXX : Last XXXX digits : XXXX No police report is required under the law to exercise my rights under XXXX. The FTC Identity Theft Report provided meets all statutory requirements. 



The following accounts/information are the result of identity theft and must be removed from my file : - Exeter Finance XXXX Account XXXX : XXXX XXXX XXXX XXXX. XXXX ( a ), you are required to remove this information within XXXX business days of receiving my request and supporting documentation. 



Please send written confirmation once the fraudulent information has been deleted and blocked from my file. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
Address Dispute XXXX XXXX XXXX XXXX, ID XXXX Law Issue : Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information and correct or delete inaccurate or unverifiable data. 
Issue : This address is not valid or does not belong to me, yet it is appearing on my credit report. 
Story : I have never lived at or used this address, and its presence on my report is causing confusion and potential harm to my credit profile. Please verify its accuracy or remove it immediately. 
Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX  Chargeoff Law Issue : As per FCRA Section 611 ( 15 U.S.C. 1681i ), disputed information must be reinvestigated and unverifiable or inaccurate data must be deleted. 
Issue : This account has been reported as a chargeoff incorrectly. 
XXXX : This account was paid in full or settled ; the chargeoff status is incorrect and damaging to my creditworthiness. Please verify this information with the creditor and update or remove the chargeoff status accordingly. 
Inquiry Dispute XXXX XXXXXX/XX/XXXX Law Issue : Under FCRA Section 604 ( 15 U.S.C. 1681b ), only authorized hard inquiries are permissible. Unauthorized inquiries must be removed.

Issue : This inquiry was not authorized by me. 
Story : I did not give permission for SYNCB/PAYPAL to XXXX my credit report on this date. Please provide verification of my authorization or remove this inquiry from my file. 
I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

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