vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested that Fifth Third Bank freeze my account to stop all further deposits, debits, ACH transfers, and electronic activity. I submitted this request clearly through the banks secure chat system and cited Regulation E ( Electronic Fund Transfer Act ). I explicitly revoked authorization for any further ACH or electronic debits or credits and asked for confirmation that the account would be blocked and no longer accessible to lenders who had previously made surprise debits. 

Despite my detailed request and formal revocation of authorization, the representative stated they do not show that this account was placed on hold, even though I sent the request in writing through their official support channel. I followed up multiple times and received no confirmation that my request was honored or that protections were put in place. This delay and inaction leave me exposed to unauthorized withdrawals and financial harm from predatory lenders and payday advance companies. 

Im asking the CFPB to investigate this failure to comply with Regulation E and ensure Fifth Third takes immediate corrective action, including freezing the account, blocking all incoming and outgoing ACH activity, and preventing any further fees or collections while the issue is resolved in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
am writing to submit a formal complaint regarding the entirely unjustified and harmful treatment I have received from Ally Bank, involving an unwarranted account freeze, an unfounded and baseless accusation of fraud, and a subsequent refusal to allow me to reopen my account without any genuine reason or explanation. 

Background and Timeline : I opened a new account with Ally Bank on XX/XX/XXXX. 
On XX/XX/XXXX, Ally Bank froze my account without any advance notice and absolutely no basis for doing so. 
The only transaction performed was a legitimate transfer from another bank account in my own name via XXXX. There were no other transactions or any activity that could have been considered suspicious. 
Over the course of three weeks, I made multiple attempts to obtain an explanation or update from Ally Bank about the freeze, but received no meaningful information or transparency at any point. 
Due to this lack of information and urgent need for my funds, I requested the closure of my account on XX/XX/XXXX and asked for the release of my money via check. 
At no time prior to or during the closure did Ally Bank notify me, either in writing or verbally, of any fraud suspicion or provide any form of justification for their actions. 
Only much later, when I attempted to reopen my account ( XX/XX/XXXX ) was I verbally informed for the first time that the previous account had been flagged for frauda claim that is absolutely false, as I had not engaged in any activity that would warrant such suspicion. 
Adding to the injustice, Ally Bank denied my legitimate request to reopen the account without providing any reason or justification for this refusal. The denial, like the initial freeze, was entirely without basis. 
Impact : Ally Banks actions have caused me significant financial hardship, inconvenience, stress, and damage to my reputationall stemming from actions and allegations that were wholly unjustified. 
The baseless accusation of fraud is not only false, but has insulted my character and left an unjust stain on my identity as a banking customer. 
The refusal to allow me to reopen my account, again without any explanation, compounds the harm, demonstrating a continued lack of fairness and transparency. 
At every step, Ally Bank denied me any information or opportunity to understand, address, or resolve the situation.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-04 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: GA

Complaint narrative:
Tried calling the company but phone numbers are changed, disconnected, not in service so that I could get this corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Start a disp

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 2025-05-04 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:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
In XXXX an account was put on my credit report and in collections for the amount of {$940.00} I do not owe anyone this amount. I have tried to locate company to ask for a debt validation bc this account does not belong to me. I do not have a contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a high yield savings account with XXXX by Goldman Sachs. I attempted to initiate a transfer of appx. {$1500.00} on XX/XX/XXXX. I was trying to transfer the funds to an external checking account at XXXX XXXX. For the record, Ive transferred larger sums of funds to the XXXX account from Marcus before with no issue.

However, they put a hold on this transaction. They asked me to call in and confirm my identity, and that I initiated the transfer. I did this, and they said the transaction was approved. Later that evening, I received an email advising the transaction was declined, and asked me to call in. I called in, and Marcus requested to start a 3-way call with XXXX to confirm the account. We did this, and XXXX confirmed all of the information except the account number, which they could not confirm nor deny per their security protocols. Since XXXX was unwilling to confirm the account number, Marcus advised I needed to mail in a bank statement to confirm the authenticity of the account. However, they locked my WHOLE account in the interim. I can not even get into my account in a viewing capacity. I can not initiate transfers to other banking institutions, I am locked out. Mind you, I confirmed my identity multiple ways. I confirmed my SSN, my address, and random security questions based off my credit report. I confirmed my identity in every way possible short of presenting my Drivers License in person, which isnt possible since this is a virtual bank. 

I obtained the statement and mailed it in as requested. I sent it with a tracking number, and confirmed it was received on XX/XX/XXXX. I called to confirm, and was told it would take XXXX to process. I called back on Friday, XXXX as it had not been processed, and then was told it would take XXXX business days. 

All this to say, my account is locked, my money is in technological purgatory, and Ive been run around by the customer service team. I attempted to call Goldman Sachs, the owning entity, and they advised they had no intervening authority with Marcus, despite owning Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I am writing to file a formal dispute and request assistance in having a closed account removed from my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I believe this account is either being reported inaccurately, or its continued presence on my credit file is negatively impacting my creditworthiness, even though it is closed and no longer active. 

I have attempted to address this issue directly with the credit reporting agencies and/or the creditor but have not received a satisfactory response. Therefore, I am requesting the CFPB investigate this matter as allowed under the Fair Credit Reporting Act ( FCRA ) and facilitate the removal of this account from my credit report if it is found to be outdated, erroneous, or unverifiable. 

In accordance with the FCRA, I respectfully request a full investigation and a written response within 30 days of the receipt of this complaint. 

Thank you for your attention to this matter. Please notify me in writing of the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal dispute and request assistance in having a closed account removed from my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I believe this account is either being reported inaccurately, or its continued presence on my credit file is negatively impacting my creditworthiness, even though it is closed and no longer active. 

I have attempted to address this issue directly with the credit reporting agencies and/or the creditor but have not received a satisfactory response. Therefore, I am requesting the CFPB investigate this matter as allowed under the Fair Credit Reporting Act ( FCRA ) and facilitate the removal of this account from my credit report if it is found to be outdated, erroneous, or unverifiable. 

In accordance with the FCRA, I respectfully request a full investigation and a written response within 30 days of the receipt of this complaint. 

Thank you for your attention to this matter. Please notify me in writing of the outcome of 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Requested the purchase agreements, flow agreements, and a copy of the amount the individual debts were purchased for, along with validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt. However, the information has not been provided, due to my information being exposed. I have submitted an FTC complaint reporting the information I am not familiar with. 

I am attaching a copy of my ID. The FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-05-04 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: CA

Complaint narrative:
This dispute was submitted directly through the Consumer Financial Protection Bureau ( CFPB ) portal on XX/XX/XXXX. 

On that date, I filed a formal identity theft dispute against Equifax. My case included : - FTC Identity Theft Report # XXXX - Government-issued ID - Proof of address In my report, I identified four fraudulent items : XXXX. XXXX Account # : XXXX Opened XX/XX/XXXX Amount : {$7500.00} XXXX. XXXX XXXX Account # : XXXX Opened XX/XX/XXXX Amount : {$1300.00} XXXX. Hard inquiry XXXX XXXX XX/XX/XXXX XXXX. Hard inquiry XXXX XX/XX/XXXX Equifax removed XXXX XXXX XXXX account and inquiry, confirming that my FTC documentation XXXX valid and accepted. However, they failed to remove the XXXX account and the XXXX XXXX even though both were listed clearly in my FTC Identity Theft Report. 

Additionally, in a letter dated XX/XX/XXXX, Equifax falsely claimed that my dispute was frivolous, implying that I submitted multiple duplicate disputes. This is false. I submitted only * * one * * dispute, through CFPB, with complete documentation. Their response was inaccurate, misleading, and obstructive.

I request immediate CFPB enforcement, as Equifax is now in violation of : - FCRA 605B for failure to block identity theft information after valid ID Theft Report - FCRA 611 for failure to conduct a reasonable reinvestigation - Misrepresentation of dispute history, obstructing my rights This delay continues to interfere with my ability to secure financing for education and harms my credit profile unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inconsistent Reporting by XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute several inconsistencies and inaccuracies reported by XXXX XXXX XXXX on my credit file. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I noticed significant discrepancies in how this account is being reported across the three bureaus, which may be adversely affecting my creditworthiness.

The specific inconsistencies include : 1. Different Account Balances Each bureau is reporting a different outstanding balance for the same account, which is inaccurate and misleading.

2. Conflicting Open and Close Dates The reported account opening and closing dates vary across the bureaus, which raises concerns about the integrity of the data.

3. Inconsistent Payment History The month-by-month payment records are not aligned among the three reports. In some cases, late payments are shown on one bureau and marked current on another.

4. Different Last Payment Dates The date of last payment is not consistent, which could impact my credit scoring unfairly.

5. Inconsistent Reports of Delinquencies The number and frequency of late payments differ, suggesting erroneous reporting.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to credit bureaus must be accurate, complete, and verifiable. As such, I am requesting a thorough investigation and correction of this accounts information to ensure that it is accurately and uniformly reported across all three credit reporting agencies. I will attach a copy of my Driver 's license for identity purposes Please verify the following : Correct account balance Accurate account open and close dates Verifiable last payment date Consistent and accurate payment history Accurate count and dates of late payments ( if any ) Requested Action : Please investigate this matter with the data furnisher and remove any inaccurate information from my credit report within the 30-day period allowed by law. I request written confirmation of the outcome of this investigation. 



Thank you for your prompt attention to this serious matter. 



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 2025-05-04 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-04 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation