vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
b'TRANSUNION IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE STANDARD. CERTIFIED MAIL RECEIPXXXX XXXX XXXX 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I recently had to move back across the country from XXXX to XXXX to help my mother who is XXXX. I had secured a new job in the XXXX XXXX XXXX  but the project is indefinitely delayed. I then got a temporary job at XXXX XXXX  but there was a XXXX that wipe out the crop and the farm had to close .. I currently have XXXX XXXX  which severely limits my ability to stand or walk for longer periods of time which is needed for work in my industry. 
I requested a temporary hardship accommodation with Goldman Sachs Bank regarding my apple car due to documented job loss and relocation hardship. The company offered only one month of grace and no reasonable hardship plan despite 26 % APR and no income. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
A credit card that is registered with ( XXXX XXXX XXXX XXXX  ) XXXX  XXXX was used without my permission in a case of Identity thief at the XXXX XXXX on XXXX XXXX XXXX in XXXX, MA XXXX. In the XXXX XXXX store items amounting to {$370.00} and at the XXXX XXXX for {$840.00} were purchased by an identity thief on XX/XX/year> according to the XXXX XXXX  XXXX  Billing Statement. I am currently watching my credit and any credit that might be in my name because I am a victim of Identity theft in other situations. And these fraudulent purchases made at these two store in the XXXX XXXX are causing me more pain, suffering, missing work and challenging false charges on my credit. I am still receiving bills for this fraudulent activity after I filed a Police Report with the XXXX XXXX  and the report number is # XXXX on XX/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 explanation
Consumer complaint received 2025-07-26 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: MicroBilt / PRBC (formerly CL Verify)
State: PA

Complaint narrative:
Please see attachment for Microbelt Dispute for XXXX  and XXXX. Thank you

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 2025-07-26 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: NJ

Complaint narrative:
To whom it may concern, I am submitting this complaint about Ally Bank 's mishandling of my auto loan reaffirmation and the wrongful repossession of my vehicle, causing financial harm and credit damage. 

On XX/XX/XXXX, I signed and submitted a reaffirmation agreement for my XXXX XXXX XXXX loan with Ally Bank. This was properly submitted by XXXX XXXX XXXX, a third-party affiliate of Ally, and was approved by the bankruptcy court. ( See attached ). 

During my XXXX  XXXX bankruptcy, filed on XX/XX/XXXX ; discharged on XX/XX/XXXX ; final decree XX/XX/XXXX, I was advised by my attorney, in writing, that missed payments for XXXX, XXXX, and XX/XX/XXXX should be added to the end of the loan term. 

I attempted to make voluntary payments during bankruptcy, but both XXXX XXXX and Ally refused to accept payments until bankruptcy was finalized.

After my final decree was issued, I resumed payments as agreed in XX/XX/XXXX. 

Ally bank claims they never received or processed the reaffirmation agreement, resulting in a determination that my account was past due.

Due to this miscommunication and administrative error between Ally Bank and XXXX XXXX XXXX, my vehicle was repossessed on XX/XX/XXXX, and I am now being pursued for a deficiency balance.

Ally Bank 's response has been inadequate and contradictory, refusing to acknowledge their responsibility for this mishandling.

I am formally requesting the Consumer Financial Protection Bureau to investigate Ally Bank 's handling of my account, specifically : 1. Why the reaffirmation agreement submitted by XXXX XXXX XXXX was not properly acknowledged or processed by Ally Bank.

2. Why Ally Bank did not follow up with XXXX XXXX XXXX to resolve the documentation discrepancy.

3. Why my multiple request for assistance and clarification were ignored or inadequately addressed.

4. Assistance in correcting my credit report to reflect the accurate status of my loan during and after bankruptcy.

5. Assistance in resolving the wrongful repossession and the resulting collection efforts.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I am currently disputing a fraudulent account being reported on my credit file with Experian, XXXX, and XXXX. I have submitted formal disputes with all three credit bureaus, as this account is not legitimate, does not belong to me, and is negatively impacting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy or legitimacy of any item on their report. As the account in question is fraudulent and remains unverified with sufficient proof of authorization or ownership, its continued reporting constitutes a direct violation of federal consumer protection laws.

Furthermore, per 15 U.S.C. 1681s-2 ( b ), the data furnisher is legally obligated to investigate disputed information, correct inaccurate data, and notify all credit reporting agencies of any modifications or deletions. I have exercised my rights as a consumer by formally disputing this account, and I am now escalating the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

I am requesting that this account be permanently removed from all credit reporting systems as it is a fraudulent item, unsupported by verifiable documentation, and is causing significant harm to my financial standing. I expect the credit bureaus and XXXX XXXX to remain in full compliance with the FCRA and take immediate corrective action.

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 2025-07-27 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: LA

Complaint narrative:
According to the 15 U.S.C 1681 law there should not be any damages on your report. Its a defamation to your character. 

See attachments.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Ongoing Incorrect Reporting by I.C. System, Inc. for a Debt That Is Not Mine Dear CFPB Team, I am submitting this complaint to report I.C. System, Inc. for inaccurately and repeatedly reporting a collection account on my credit report that does not belong to me. 

I have never received any communication, billing, or documentation regarding this debt, and I have no knowledge of any business relationship with I.C. System, Inc. Despite this, they continue to report the account to all XXXX  major credit bureaus. 

Account XXXX : XXXX Collector : I.C. System, Inc. 
Account Number : XXXX Date Reported to Credit Bureaus : XXXX Date Discovered : XXXX Actions Taken : I have disputed this account multiple times with XXXX, XXXX, and XXXX. 
XXXX. XXXX has never provided validation or proof that this debt is connected to me. 
I continue to see the following comment on my credit reports : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) This means they acknowledge my dispute, yet still report the account without proper documentation or resolution. 

This prolonged and inaccurate reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



I am requesting that : XXXX. I.C. System, Inc. be required to immediately remove this account from all credit bureaus. 
XXXX. The CFPB investigate XXXX. XXXX failure to validate the debt or correct the inaccurate reporting. 
XXXX. The account be permanently blocked from future reporting under the FCRA. 

Thank you for your assistance in resolving this matter. I have done my part to dispute this debt through the proper channels, but XXXX. XXXX has failed to act lawfully or responsibly. 

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 2025-07-26 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: CT

Complaint narrative:
* * Account Status and Charge-Off : * * In XX/XX/XXXX, I opened an auto loan with XXXX XXXX XXXX XXXX XXXX Since the account was opened, I have consistently made payments, but a charge-off was reported on my credit report. As of the most recent report date ( XX/XX/XXXX ), the account is listed as " closed '' and marked with a * * charge-off * *. I believe this to be * * inaccurate * * and request verification that the charge-off status is correct, as I have not received proper documentation or settlement information indicating this status. 

* * Late Payments and Derogatory Marks : * * The payment history on this account shows a series of * * late payments * * and * * derogatory marks * * under " red\_status '' and " derogatory\_status '' between XXXX and XXXX. I dispute the accuracy of these entries because : XXXX. Some of these late payments are reported incorrectly for certain months in XXXX. 
XXXX. Payments made in XXXX XXXX XX/XX/XXXX were reported inaccurately as late. 
XXXX. I request an investigation into these late payment entries, and for any incorrectly reported late payments to be corrected. 

* * Unknown Status for Certain Months : * * There are * * '' unknown\_status '' * * entries for months in XXXX and XXXX. I believe these are due to either incomplete reporting or errors in how the data was uploaded to my credit file. These unknown statuses create ambiguity about my payment history, and I request that these entries be reviewed and updated to reflect accurate payment statuses. 

* * Action Taken : * * I have made several attempts to resolve this matter directly with the creditor. On XX/XX/XXXX, I contacted customer service to discuss the account 's charge-off status, but no satisfactory resolution was provided. I also requested clarification of the reported late payments but did not receive any concrete information regarding the discrepancies. 

* * Requested Resolution : * * XXXX. The charge-off status should be verified and updated or removed if it can not be substantiated. 
XXXX. All inaccurately reported late payments, especially between XXXX, should be corrected or removed. 
XXXX. The " unknown\_status '' entries should be resolved to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
* * Account Status and Charge-Off : * * In XX/XX/XXXX, I opened an auto loan with XXXX XXXX XXXX XXXX XXXX Since the account was opened, I have consistently made payments, but a charge-off was reported on my credit report. As of the most recent report date ( XX/XX/XXXX ), the account is listed as " closed '' and marked with a * * charge-off * *. I believe this to be * * inaccurate * * and request verification that the charge-off status is correct, as I have not received proper documentation or settlement information indicating this status. 

* * Late Payments and Derogatory Marks : * * The payment history on this account shows a series of * * late payments * * and * * derogatory marks * * under " red\_status '' and " derogatory\_status '' between XXXX and XXXX. I dispute the accuracy of these entries because : XXXX. Some of these late payments are reported incorrectly for certain months in XXXX. 
XXXX. Payments made in XXXX XXXX XX/XX/XXXX were reported inaccurately as late. 
XXXX. I request an investigation into these late payment entries, and for any incorrectly reported late payments to be corrected. 

* * Unknown Status for Certain Months : * * There are * * '' unknown\_status '' * * entries for months in XXXX and XXXX. I believe these are due to either incomplete reporting or errors in how the data was uploaded to my credit file. These unknown statuses create ambiguity about my payment history, and I request that these entries be reviewed and updated to reflect accurate payment statuses. 

* * Action Taken : * * I have made several attempts to resolve this matter directly with the creditor. On XX/XX/XXXX, I contacted customer service to discuss the account 's charge-off status, but no satisfactory resolution was provided. I also requested clarification of the reported late payments but did not receive any concrete information regarding the discrepancies. 

* * Requested Resolution : * * XXXX. The charge-off status should be verified and updated or removed if it can not be substantiated. 
XXXX. All inaccurately reported late payments, especially between XXXX, should be corrected or removed. 
XXXX. The " unknown\_status '' entries should be resolved to accurately reflect my payment history.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have reached out to XXXX, Equifax, XXXX, and XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have reached out to XXXX XXXX TransUnion, and XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have XXXX XXXX  XXXX it keeps revolving and being placed on my credit report on different dates and the amounts are not the same. Count XXXX. 
XXXX XXXX XXXX XXXX  status is closed but it keeps reoccurring new dates account XXXX.. 
XXXX XXXX XXXX  partial account number XXXX is revolving it is closed no payments have been made since XXXX keeps reporting that it's open.. 

XXXX XXXX XXXX XXXXXXXX keeps saying that it is open and it has been closed since XXXX partial account number XXXX.. 

XXXX add partial account number XXXX it was an installment that saying it's still open but it is closed and payments has not been posted since XX/XX/XXXX. 
A lot of these bills have been issues when covid hit lost jobs unable to pay and it's still on my credit saying that it's open and that I'm paying

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed over the past few months different accounts on my credit that are fraudulent. Please remove these accounts. They are impairing my ability to build credit.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute and request the removal of inaccurate personal information currently listed on my credit report, including incorrect phone numbers, names, addresses, and employment details. These items are not associated with me and appear to be reporting errors or the result of mixed or merged credit files. 

This inaccurate information is not only misleading but may also be contributing to other reporting issues. I have no affiliation with the names, addresses, or employers listed, and I have not used or provided the phone numbers shown. 

I have contacted the credit reporting agencies regarding these discrepancies, but the incorrect information remains on my file. I am requesting that the CFPB take action to have these items thoroughly investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information on a credit report be accurate and verifiable. 

Please help ensure that only correct and up-to-date personal identifying information appears on my credit profile. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX These are the incorrect info that needs to be removed ; these are the addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are the names, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These are the phone numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is the employment, XXXX XXXX XXXX. ( Which I need removed immediately please ).

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 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.

Complaint narrative:
Cash app unjustly suspended my card and wont send my money to my XXXX  XXXX bank. They are XXXX stealing. When I told them that I am stranded in XXXX and need my money now, they have not fixed the issue. When I tried to withdraw my money from an atm, they locked it and have not unlocked it. I provided when with a statement on their website that says money can be withdrawn while the account is suspended and the representative nor his company are honoring it.

Company response to consumer: Closed with explanation