vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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:
You are required under 15 U.S.C. 1681e ( b ) to report information accurately. Im asking you to provide the original account-level documentation that proves this account belongs to me and is being reported correctly. If you can not provide that documentation, then continuing to report this item is a clear violation of the FCRA and it must be deleted 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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank froze my newly opened checking account after a {$590.00} XXXX school refund was deposited. My online access was fully disabled. It has been over XXXX weeks, and Ally has not requested any verification documents or provided a timeline to release my funds. I am unable to access my deposited

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I was informed by Venmo / PayPal that my account was closed and that I had 180 days to claim my money of {$4400.00} - I have repeatedly provided more and more information for them, personal, checking, accounts, credit cards, financial, home property taxes, government issued Florida Drivers License, government issued travel Visa, and hoop after hoop for this scam of a company and they continue to hold my money despite also repeated demands now to just write a check and send it to me since they refused all of my financial institutions and accounts to transfer the money. I am so beyond frustrated with this group and challenged them that they were being intentionally difficult an blocking me in order to gain access to my money by default, which they did not even deny. I need help to get my funds sent to me and released in full by this questionable financial company. I have multiple email correspondence and have numerous logged calls with them. I have accused them of fraud, I have threatened them with the XXXX, CFPB, FTC among others and they do not seemed remotely concerned, which tells me others have gotten so frustrated they've just given up. I will not and I am ready to go to the mat if needed. This is horrible management of PR, especially as they were made aware they were making an already difficult moment with the death of my mother, a much more XXXX XXXX XXXX XXXXXXXX by then further being totally aberrant people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am submitting this feedback and creating a new CFPB case because my prior complaint, case number XXXX, was closed without full resolution of the issues raised. 

This account does not belong to me and is the result of identity theft. I do not agree that this matter is resolved. As stated previously, I am cooperating with the investigation and will submit the completed Identity Theft report, including the FTC Identity Theft Report and supporting documentation, as requested by RentDebt Automated Collections , LLC. 

I am also attaching the companys written request for submission of the identity theft documentation to this complaint for reference. This submission is being made to ensure that the account is properly reviewed and permanently removed. 

While I am providing the requested identity theft report, I maintain that continued reporting of this account while an identity theft claim is pending is harmful and improper. RentDebt has an obligation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act to ensure that inaccurate or fraudulent information is blocked, removed, and not reinserted once identity theft is asserted and documented. 

I expect RentDebt Automated Collections , LLC to complete its review promptly upon receipt of the identity theft documentation and to delete this account from all consumer reporting agencies, provide written confirmation of removal, and ensure the account is not reinserted. 

This feedback is submitted to document my cooperation, the attachment of the requested materials, and my expectation of full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: GA

Complaint narrative:
XX/XX/year>, letters of validation was sent to the company that include explanation and debt not being validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Comerica
State: MO

Complaint narrative:
XXXX XXXX advocacy, XXXX XXXX, and Comerica XXXX.since XX/XX/XXXX til now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a formal dispute, refused to correct More than 30 days passed from the date of receipt. Instead of completing the reinvestigation within the statutory timeframe, credit bureau asserted that it required 60 days to respond. 
This assertion is not authorized under federal law. 
The Fair Credit Reporting Act permits an extension to 45 days only when the consumer submits additional information during the reinvestigation period pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I submitted no additional information. There is no statutory authority permitting a unilateral 60-day delay.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
My account went under initial review on XX/XX/year>. Then I was notified further investigation is required on XX/XX/year> and that it would typically take 7 days to resolve. Its been 23 days since then and none of the representatives have explained to me why my account is under review and is restricted. I can not access any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Offender : Ally Bank Background : I established a recurring weekly transfer of {$38.00} from my XXXX XXXX XXXX XXXX checking account to my Ally Bank account. To ensure adequate funding, I also set up a daily transfer of {$5.00} from another account into the XXXX XXXX account. Over seven days, these daily deposits accumulate to {$38.00} as to precisely match the weekly transfer amount.

This system worked reliably when transfers occurred on a consistent 7-day cycle. However, Ally Bank initiated certain transfers after only 6 days, before sufficient funds had accumulated. When I contacted Ally customer service, a representative explained that Ally sometimes initiates transfers a day early to " check if there's enough funding. '' This explanation confirms an undisclosed practice that directly caused the NSF events on XX/XX/XXXX and XX/XX/XXXX. 

Lack of Disclosure in Account Agreement : I reviewed Ally Bank 's Online Banking Services Agreement ( Version 33.0, XX/XX/XXXX ) in its entirety. Nowhere in this 62-page document does Ally disclose that : ( a ) Recurring transfers may be initiated one day before the scheduled date ; ( b ) Transfers may be initiated early to " check funding '' ; or ( c ) The actual transfer initiation date may vary from the date selected by the customer.

Section IV.B ( Transfer Availability ) states that " eligible delivery dates will be presented to you based on the transfer speed available for your external transfer. '' The transfer settings interface displayed a specific scheduled date. A reasonable customer would expect transfers to occur on that date instead of one day earlier.

Legal and Regulatory Concerns : The undisclosed early-initiation practice raises several concerns : Breach of Contract : Ally deviated from the scheduled transfer dates I selected without disclosing this practice in any agreement.

Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ) : Financial institutions must provide clear disclosures about transfer terms, including the timing of transfers. See 12 C.F.R. 1005.7 ( initial disclosures ) and 1005.10 ( preauthorized transfers ). No disclosure about early initiation exists in Ally 's agreement or user interface.

Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531, 5536 ) : Representing that transfers will occur on a selected date while routinely initiating them earlier without disclosure may constitute a deceptive practice under the Consumer Financial Protection Act of 2010.

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 monetary relief
Consumer complaint received 2025-12-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 2025-12-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
I have been using cash app for about 3 years now for my direct deposits, using it for overdraft coverage. And then out of no where it wants me to verify my identity again. I try verifying my identify and BOOM " Your identity couldn't be verified. '' And then I get on chat with support and they keep telling me to try the same thing over and over and over again and finally I decide to call. I'm on the line for about 16 minutes until they tell me they can't do anything and that I will have to use " Chat support ''. Cashapp has just blocked my direct deposit from coming in RIGHT BEFORE XXXX. They have refused to try and let me identify myself. This is also ridiculous because I can't even give my account number because they have taken my information away from me on the card page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
.To Whom It May Concern, This letter serves as a formal and final demand for the immediate removal of all information you are reporting under my name. Any data you are furnishing is fraudulent, unauthorized, and inaccurate.

I have never given Early Warning Services or ChexSystems permission, consent, or authorization to collect, maintain, share, or report any information regarding me. You are unable to demonstrate a lawful permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This dispute is based on identity theft. I am asserting, under penalty of perjury, that any accounts, inquiries, records, or negative information associated with your reporting were not opened, authorized, or incurred by me and are the result of fraud and identity misuse. This statement constitutes identity theft affidavit notice under 15 U.S.C. 1681c-2.

As a direct result of your unauthorized and false reporting, I am currently unable to open a checking account, causing substantial financial harm, disruption to my daily life, and interference with my ability to conduct basic banking activities. These damages are actual and ongoing.

I am formally disputing 100 % of the information you are reporting. You are hereby placed on notice that : - The information you are reporting is not mine - Any alleged accounts or records are the result of identity theft - You lack consumer authorization and permissible purpose - Continued reporting after receipt of this notice constitutes willful noncompliance Pursuant to the FCRA, you are required to immediately block, delete, and permanently remove all fraudulent information from my consumer file. Any attempt to verify, reinsert, or continue reporting this information after receipt of this affidavit notice will be treated as knowing and willful misconduct, exposing your company to liability for statutory damages, actual damages, costs, and attorney fees. 

Do not respond with automated responses, template letters, or requests for unnecessary documentation intended to delay compliance. The burden of proof is on you, not me. 

I demand written confirmation that my consumer file has been fully removed and blocked within 15 days of receipt of this letter. Failure to comply will result in escalation to regulatory authorities and further action without additional notice. 

Govern yourselves accordingly. 

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