vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is currently reporting an inaccurate and misleading late payment on the following closed account : XXXX Account Number : XXXX * * * * Balance and Past Due : {$0.00}. This account is closed and has a {$0.00} balance, which indicates there is no ongoing obligation or outstanding debt. Reporting a delinquency on a closed, paid-off account is deceptive and causes undue harm to my credit profile. This entry does not reflect maximum possible accuracy as required by the Fair Credit Reporting Act under 15 USC 1681e ( b ). I have previously disputed this with TransUnion, yet no substantial reinvestigation has occurred, nor has any documentation or payment history been provided to support the derogatory remark. The lack of evidence or follow-up is a direct violation of 15 USC 1681i .

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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-04-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I'm experiencing ongoing severe harm due to Ally Bank 's false claim of account restoration while maintaining account restrictions and a damaging " indemnification internal bank notice '' in violation of multiple federal banking regulations. 
Detailed timeline showing false restoration and failed resolution attempts : XX/XX/year> : Ally restricted account # XXXX due to a temporary negative balance. 
XXXX XXXX XXXX : Made multiple calls to customer service and deposited over {$15000.00} to resolve the negative balance. 
XXXX XXXX XXXX XXXX : Called Ally 's customer service department , fraud team, and investigations team repeatedly requesting account restoration. 
XX/XX/year> : Ally sent written confirmation stating : " XXXX, we removed the restriction on your Spending Account because you resolved your negative balance. '' XXXX XXXX XXXX : Despite this written confirmation, I remain UNABLE to : Access my Ally account online Make any transactions Access my funds Receive a valid reason for continued restrictions Obtain any timeline for resolution When I call Ally 's customer service, representatives directly contradict the XX/XX/XXXX email, confirming my account remains " under review '' with no valid reason provided and no timeline for resolution. This constitutes a clear violation of 12 CFR 1026.24 regarding false or misleading statements to consumers. 
Meanwhile, Ally has maintained a false " indemnification internal bank notice '' in banking communications networks that has caused : XXXXXXXX XXXX  to permanently close ALL my consumer banking accounts XXXXXXXX XXXX to withhold {$15000.00}, formally stating this is due to an " internal bank notice from Ally Bank '' This situation violates multiple federal regulations : Expedited Funds Availability Act ( 12 CFR 229 ) : Denial of access to deposited funds beyond regulatory timeframes without proper exception notices Electronic Fund Transfer Act ( 12 CFR 1005.11 ) : Failure to resolve error claims within 10 business days Truth in Savings Act ( 12 CFR 1030 ) : Misrepresentation of account status and restrictions Unfair, Deceptive, or Abusive Acts and Practices ( 12 USC 5531 ) : Telling me restrictions were removed while maintaining them Despite dozens of calls to various departments at Ally Bank, they continue to : Misrepresent the status of my account Maintain false adverse information in banking systems Deny access to my funds without valid justification Provide no timeline for resolution Offer no explanation for the contradiction between their XX/XX/XXXX email and actual account status This represents a systemic failure of Ally 's customer service, compliance, and fraud investigation processes that has caused extensive financial harm and banking relationship damage.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello, I recently bought a sports card off a person. We used XXXX, I originally sent it as goods and services, but the person wanted it as friends and family and resent it back. A hour later the person blocked me. I then went to sleep, woke up and reported it to my bank on XX/XX/XXXX. My bank created an investigation and has been going back and fourth with XXXX this whole time. Well due to XXXX good and services terms, they keep sending my bank that, my bank then declines the money to be transferred back to me. My account is now XXXX due to this. Also the persons seller notes say I am married and was wanting wedding photos, and clearly lying, I then got a police report because Huntington wanted one to prove this. I went ahead and did so, and they completely ignored it? They have declined it again, and I have re opened it. I have given them everything I can to prove that I am honest and not lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: NY

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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$9700.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
After reviewing my credit report I notice the following account listed as I owe a debt to your Company. I am disputing owing any and all debts to your Company. Please provide me with verification of this debt. I am revoking all rights of communicating with me via email, text, and calls. I am requesting a copy of the purchase agreement between your Company and the Original Creditor. Along with requesting you furnishing proof you are licensed and bonded.

Your Company have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but yet, you placed a collection on my consumer report. I also was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-26 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, while visiting XXXX XXXX  XXXX, I was approached by XXXX individuals near XXXX XXXX who asked for a small donation. After requesting to input their XXXX information into my phone, they accessed my device and initiated an unauthorized XXXX Friends and Family transaction for {$2500.00}, funded by my American Express credit card. 

Upon discovering the fraudulent transaction almost immediately, I contacted American Express through their online support and requested them to cancel the pending transaction. The Amex representative assured me that they would monitor the transaction and handle it, and stated that I did not need to contact XXXX myself. Based on this assurance, I did not take further immediate action such as filing a police report. 

Despite my prompt reporting, the pending transaction was allowed to post to my account. Later, Amex rebilled me for the full amount after initially crediting it back, stating that XXXX categorized the payment as peer-to-peer and thus outside their fraud protections. 

I was extremely disappointed that Amex : Failed to stop a fraudulent pending transaction despite immediate notice, Relied solely on XXXX categorization without properly investigating the nature of the fraud, Did not allow me an opportunity to provide full evidence before making their final decision, Did not provide a clear or satisfactory explanation as to why this obvious scam was not treated as fraud under their policies. 

As a long-standing customer who reported the fraud immediately and in good faith, I expected better protection and investigation from American Express . 

I am requesting a full refund of the {$2500.00} charge resulting from this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account reported by The XXXX XXXX XXXX XXXX Account Number : XXXX on my Equifax credit report. The information is erroneous, inaccurate and fraudulent, and harmful to my credit profile. I have disputed the account with Equifax under my rights established by the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681i ( a ) ( investigation of disputed information ) and 15 U.S.C. 1681e ( b ) ( accuracy of information ). I have requested the immediate removal of the account, and I am seeking assistance from the CFPB to ensure Equifax properly investigates and corrects my credit report. Equifax has failed to provide adequate evidence or documentation that substantiate this account is accurate and verified. 
I also have filed a report with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ), thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation