vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial is conducting REPEATED VIOLATIONS regarding FDCPA section 806 ( 5 ) ( 15 U.S.C. 1692d ( 5 ) ) and 15 U.S.C 6802. Ally Financial company is in VIOLATION by reporting {$11000.00} owed on my credit report without any physical property.

I contacted the company multiple times, prior to Ally Financial reporting on my Credit Report, that I moved and I need to change the address from Michigan to Florida. I notified the company of a VOLUNTARY repossession of XXXX XXXX  XXXX XXXX-XXXX  would have to be in Florida as I moved. Fast Forward XXXX, I was made aware by XXXX, XXXX XXXX XXXX Ally Bank, that the correspondence mail was being sent to Michigan instead of Florida. MISSING was a great deal of information that prior to resale I had the opportunity to purchase my MINT vehicle back, which I would have by the help of family members. Ally Bank FAILED to play the necessary information to avoid this MAJOR ISSUE of extorting it's own consumer, that payed for over a year all payments due, to now owe {$11000.00} without a physical property. 

ALLY Financial has reported on my Credit REPORT that I owe {$11000.00} which is completely XXXX  OF POWER, BAD FAITH, and UNETHICAL business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: ProCollect, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off 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 2025-04-09 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally dispute a derogatory item on my credit report related to an account originally held with XXXX XXXX XXXX XXXX The account number ends in XXXX and was opened on XX/XX/year>. 

According to my XXXX credit report, this account was closed and charged off with a balance of {$1800.00}, which was later sold to another lender, as indicated in the comments section. That lender was XXXX XXXX XXXX ( MCM ). 

I have provided documentation ( attached ) from XXXX XXXX XXXX showing that the account balance is {$0.00}, meaning the debt was fully resolved. Despite this, the original account continues to appear on my credit report as a charge-off, damaging my credit standing. 

I have attempted to resolve this by disputing the account with the credit bureau several times, but each time the account status is only updated rather than removed, even though it has clearly been sold and subsequently resolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be fully removed from my credit report as the debt has been satisfied and no longer represents a valid, unpaid obligation. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Request for Deletion Fifth Third Bank NA Secured Card ( Reported on Dated XX/XX/XXXX ) To Whom It May Concern, I am formally requesting the immediate and complete removal of the Fifth Third Bank NA secured card account from my credit report dated XX/XX/XXXX, due to irreconcilable contradictions that render the entire reporting inaccurate, misleading, and in direct violation of federal reporting standards and the industrys XXXX ( Standardized Data Reporting Format Agreement ). 



Basis for Removal Request This account contains multiple material contradictions that undermine its accuracy and reliability : XXXX. The account is simultaneously reported as : Account charged off. {$120.00} written off. {$440.00} past due as of XX/XX/XXXX Account closed at credit grantors request These XXXX statuses are mutually exclusive and can not coexist. An account charged off can not be closed at the creditors request in good standing. 
XXXX. The status was reportedly updated in XX/XX/XXXX, yet CO ( charge-off ) notations appear in the payment history for XXXX, XXXX, and XXXX. This suggests the account continued accruing derogatory information well after being closedan operational impossibility if closed properly. 
XXXX. The Last Payment Date shows XX/XX/XXXX, yet the Balance Updated reflects XX/XX/XXXX, XXXX XXXX years of activity without any actual payments or valid updates. 



Violation of FCRA & XXXX Guidelines Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ), credit reporting agencies must delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Additionally, this tradeline appears to violate the XXXX agreement, which mandates that furnishers and credit bureaus report tradeline data in a consistent, logical format that accurately reflects the accounts lifecycle. XXXX both a charge-off and a closure at the creditors request, along with conflicting dates and continued delinquency entries after closure, violates XXXX data XXXX logic and industry-standard XXXX XXXX formatting. 



XXXX Request I request that you contact XXXX XXXX Bank XXXX to verify : XXXX. The actual closure date of the account XXXX. Whether the account was in fact closed at the creditors request XXXX. How a properly closed account continued to generate derogatory payment history beyond that date I assert that proper investigation will confirm the contradictions can not be reconciled, and that deletion is the only appropriate remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Subject : Formal Request for Deletion Fifth Third Bank NA Secured Card ( Reported on Dated XX/XX/XXXX ) To Whom It May Concern, I am formally requesting the immediate and complete removal of the Fifth Third Bank NA secured card account from my credit report dated XX/XX/XXXX, due to irreconcilable contradictions that render the entire reporting inaccurate, misleading, and in direct violation of federal reporting standards and the industrys XXXX ( Standardized Data Reporting Format Agreement ). 



Basis for Removal Request This account contains multiple material contradictions that undermine its accuracy and reliability : XXXX. The account is simultaneously reported as : Account charged off. {$120.00} written off. {$440.00} past due as of XX/XX/XXXX Account closed at credit grantors request These XXXX statuses are mutually exclusive and can not coexist. An account charged off can not be closed at the creditors request in good standing. 
XXXX. The status was reportedly updated in XX/XX/XXXX, yet CO ( charge-off ) notations appear in the payment history for XXXX, XXXX, and XXXX. This suggests the account continued accruing derogatory information well after being closedan operational impossibility if closed properly. 
XXXX. The Last Payment Date shows XX/XX/XXXX, yet the Balance Updated reflects XX/XX/XXXX, XXXX XXXX years of activity without any actual payments or valid updates. 



Violation of FCRA & XXXX Guidelines Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ( XXXX ) ), credit reporting agencies must delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Additionally, this tradeline appears to violate the XXXX agreement, which mandates that furnishers and credit bureaus report tradeline data in a consistent, logical format that accurately reflects the accounts lifecycle. XXXX both a charge-off and a closure at the creditors request, along with conflicting dates and continued delinquency entries after closure, violates XXXX data XXXX logic and industry-standard XXXX XXXX formatting. 



XXXX Request I request that you contact XXXX XXXX Bank XXXX to verify : XXXX. The actual closure date of the account XXXX. Whether the account was in fact closed at the creditors request XXXX. How a properly closed account continued to generate derogatory payment history beyond that date I assert that proper investigation will confirm the contradictions can not be reconciled, and that deletion is the only appropriate remedy.

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 2025-04-09 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CO

Complaint narrative:
I did a transfer to my bank account and realized that it was bill pay and that in the state of Colorado they take the bank to bank transfer button off and bill pay is the only option. When I realized that the transfer might not go through within minutes I called customer support number on the ReliaCard from US Banks. I thought they were going to reverse it by XXXX on XX/XX/year>, but they did not. Called the next day and they said it is processed and I will receive the money within XXXX business days. After waiting I called my bank that it was to be sent to and they did not see any transfer hitting my account. I called US Bank ReliaCard and was transferred to a supervisor named XXXX. She stated they cut a check and it will be XXXX to XXXX more days and hung up on me. I believe Colorado Department of Labor and US Banks is running a scam as I never wanted to have to use this card and was forced to. I wanted it direct deposited to my bank to pay my bills instead of what looks like a scam bill pay system. I tried two checking accounts through the Colorado Department of Labor and it would not go through and others have had this same problem. I am forced using a card that I never wanted to use for unemployment benefits. I think ReliaCard, US Banks, and the Colorado Department of Labor needs to be Federally investigated for under the table deals and outright fraud and corruption. Im scared that my {$2000.00} is lost and US Banks outright lied to me multiple times and when caught the supervisor named XXXX states they sent out a check and it will be XXXX to XXXX more days and hangs up on me. This is the behavior of XXXX world banking and government corruption and its not acceptable in the United States and its citizens. Also, the Colorado Department of Labor was recently caught over charging employers a total of XXXX XXXX dollars with no accountability of what happened to that money. I believe there is rampant fraud and corruption within the highest ranks of the state of Colorado and US Banks.

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 2025-04-09 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: MA

Complaint narrative:
This is not a misunderstanding, my credit report contains clear inaccuracies that fail to meet the legal standard of maximum possible accuracy. These errors are having a serious and ongoing impact on my life, both emotionally and financially. I can not overstate the weight this issue carries.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
On XX/XX/year> I deposited {$850.00} into my Robinhood account. Once I tried trading currency my account became restricted. Every since that day I been contacting Robinhood to see updates on my account and see what they are doing to review my account and its been XXXX days since the day they told me they would get back to me but I feel like they are prolonging the process. Everytime I call to talk to someone they act like they can not hear me then call ends. Happens XXXX times the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, TX XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : FCRA Dispute Request for Removal of Inaccurate Information Account Name : Self Financial / Lead Bank Account Number : XXXX SSN ( last 4 digits ) : XXXX XXXX : XXXX Dear TransUnion Dispute Department XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am writing to formally dispute the accuracy and completeness of the above-referenced account that appears on my TransUnion credit report. 

This XXXX XXXX XXXX XXXXXXXX XXXX account is currently reporting a status of " past due '' along with a history of XXXX, XXXX, and XXXX delinquencies. However, I have obtained documentation ( enclosed ) from XXXX XXXX XXXX XXXX XXXX indicating that the account should be marked paid as agreed and that the creditor is requesting full deletion of the tradeline as part of an internal resolution and goodwill action. 

Therefore, I respectfully request the following actions : Prompt investigation of the accounts reporting status. 

Removal of all negative payment history associated with this tradeline. 

Complete deletion of the account from my TransUnion credit report per the creditor 's documented request. 

Attached Documentation Includes : A copy of my government-issued photo ID The deletion request letter from XXXX XXXX XXXX XXXX XXXX I request that it be permanently removed from my credit file. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX 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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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