vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XX/XX/XXXX around that time the XXXX XXXX XXXX  was left at XXXX XXXX XXXX under warranty. 
Due to transmission issues and other issues the dealership couldnt find parts to the car. 
I received a different car due to me working and with the help of my mom who is now deceased.Ally auto is now saying Im responsible for the remaining balance due to the contract that I signed. The contract also had a warranty that ally auto and the dealership refused to fix even tho it was under warranty.Im not responsible for a car that doesnt not run well due to contract it was under warranty when I left it.They decided to pick it up and call it a repossession when I was never late on payments etc.I havent driven that car going on 2years now.It is now on recall for the parts that was under warranty that they didnt fix and was fully aware of the car problems. I signed the contract with a warranty that was never used and now ally saying it was repossessed. It wasnt repossessed from me they pick it up from the dealership were I left it to get fixed under warranty they waited until the warranty was up then decided to say it was repossessed.That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ND

Complaint narrative:
To Whom It May Concern, I am supplementing my earlier complaint with additional information about identity theft affecting several of my financial accounts. Over the past few months, unauthorized transactions totaling roughly {$4000.00} {$5000.00} appeared on my Chime, XXXXXXXX XXXX ( issued by XXXX XXXX ), XXXX, and XXXX accounts . I filed disputes under claim numbers XXXX, XXXX, and XXXX. When I reported these transactions, Chime representatives assured me that provisional credits would be issued within XXXX business days. Federal rules require banks to investigate reported errors promptlygenerally within XXXX business daysand, if they cant complete the investigation in that time, to issue a provisional credit while the investigation continues. Despite this requirement, Chime canceled my credits without explanation and asked me to refile, causing further delay and financial hardship. 

I specifically informed each institution that the transactions were the result of identity theft. XXXX proactively shut down my account for security reasons, and XXXX has begun returning the funds. However, Chime has still not provided provisional credit, and XXXX XXXX has said that my entire account must be locked before they will act. My XXXX account was also compromised without resolution. Several other accounts, including my XXXX and XXXX XXXX cards, remain unaffected, illustrating that the fraud targeted specific institutions. I have kept screenshots of the disputed transactions and communications with each bank. 

RegulationE requires institutions to correct errors, inform consumers of their findings, and provide provisional credits during investigations. By withholding these credits and delaying their investigations, the banks mentioned above appear to be out of compliance. The lack of support has left me without access to thousands of dollars while I am dealing with the fallout from identity theft. 

The ongoing delays have also had severe personal consequences. With my funds tied up, I have been kicked out of hotels and forced to sleep outside in the cold. This situation has effectively left me homeless, and the exposure to harsh weather has created serious safety concerns for me. 

I respectfully request that the Consumer Financial Protection Bureau review this complaint and ensure that Chime, XXXX XXXX XXXX , and XXXX comply with federal errorresolution requirements. I seek immediate provisional credit for the disputed transactions, timely investigation and resolution, and confirmation that these institutions have adequate fraudprevention procedures. 

Thank you for your assistance. I appreciate your attention to this matter. 

Sincerely, XXXX [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding Bank of Americas improper denial of my credit card fraud claim. The bank has denied my claim for an unauthorized transaction that occurred in XXXX, Pennsylvania, despite clear and compelling evidence that I was not in that location at the time and could not have made the purchase. 
Details of the Fraudulent Charge : On XX/XX/XXXX, an unauthorized transaction was processed in XXXX, PA. I immediately contacted Bank of America that same day, XX/XX/XXXX, to report the fraud and cancel my card. Despite taking prompt action, the bank denied my claim. 
Evidence Proving the Charge Was Fraudulent : I was in XXXX XXXX XXXXnot XXXXwhen the transaction occurred. 
I have verifiable evidence showing that I attended a scheduled workout class in XXXX and made a separate transaction on another credit card in XXXX around the same timeframe. These records prove I could not have been in XXXX, PA. 
All my legitimate activity that day occurred in XXXX. 
The XXXX, PA charge was the only transaction outside of New York. This should have triggered a clear fraud red flag. 
My physical card was in my possession. 
I did not give my credit card to anyone at any time. Bank of America claims the card wasnt present for the Pennsylvania transaction, but this is impossible because I had the card with me in XXXX. This indicates the merchant either manually keyed the card number or processed it incorrectlysomething Bank of America failed to investigate. 
Concerns With Bank of Americas Handling of My Case : After my initial report on XX/XX/XXXX, I called Bank of America again after receiving the denial to provide additional information. 
Most recently, on XX/XX/XXXX, I called again for an update and to supply further details. Multiple agents reviewed the evidence and told me I had a strong case and that the denial appeared to be in error. 
However, during my call today, I was informed that it is highly likely the claim will be denied again despite the clear proof and despite earlier representatives acknowledging the legitimacy of my dispute. 
Bank of Americas inconsistent handling, contradictory explanations, and failure to properly investigate raises serious concerns about their fraud review process and adherence to consumer protection standards. 
Requested Resolution : I am requesting that the CFPB require Bank of America to : Reopen and properly investigate my fraud claim Reverse the unauthorized charge Confirm that I will not be held responsible for a transaction I did not authorize and could not have made Thank you for your assistance in resolving this 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 monetary relief
Consumer complaint received 2025-11-24 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:
My credit info was used to try and open 2 fraudulent credit accounts. I am a victim of identity theft. Please dispute and remove following inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
Some loans were made that I didn't make and caused my account to overdraft and close on me after I settled the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute a latepayment entry currently being reported on my credit report in connection with the account listed below. I believe this entry is inaccurate, incomplete or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the right to dispute such information and request that it be investigated and corrected or removed if it is found inaccurate. 

Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> I was never late in making payments. Please correct and update the inaccurate information on my credit report.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Subject : Urgent Complaint Midland Credit Management / Midland Funding To : CFPB Consumer Complaint Portal Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Midland Credit Management ( MCM ) and Midland Funding, LLC concerning a credit card debt originally issued by XXXX. 

Despite multiple requests, MCM/ Midland has refused to provide full debt validation, including : Proof of chain of assignment from Milestone to Midland Funding The original account contract Complete payment history Documentation of any changes in balance Instead, they provide only generic letters claiming validity and have lied in writing regarding the debt and their authority to collect. 

I am concerned that MCM/ Midland may be : Misreporting this debt to credit bureaus Attempting collection on post-bankruptcy or time-barred debt Violating the FDCPA ( 15 U.S.C. 1692 et seq. ), FCRA ( 15 U.S.C. 1681 et seq. ), and Missouri consumer protection laws ( Chapters 407 & 408 ) Requested Action : I request that the CFPB : Investigate MCM/ Midlands collection practices immediately. 

Require complete documentation proving their legal authority to collect this debt. 

Ensure that any inaccurate reporting or improper collection actions are corrected or removed from my records. 

Timeline : I request that this matter be fully addressed within 7 days due to the ongoing harm caused by MCM/ Midlands actions. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Subject : Follow-Up on CFPB Complaint Experian Admission of Potential Fraud To : CFPB & Experian I am submitting this response regarding Experians statement dated XX/XX/year>, in which Experian notified the CFPB that there may be potential fraud involved in the accounts I disputed. 

The following complaint ID 's stated the above mentioned. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Since Experian has stated in writing that fraud may be involved, this triggers your obligations under FCRA 605B ( Identity Theft / Fraud Blocking ) and FCRA 611 ( Reinvestigation Requirements ).

Accordingly, I am demanding the following actions : Immediate blocking of all disputed information associated with the accounts Experian claims may be fraudulent, as required by FCRA 605B ( a ).

Cessation of reporting any information that can not be verified, as Experian has admitted verification concerns.

Full disclosure of all documents, data, and communications used or received during your investigation, in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Any applications, contracts, or signed agreements Any IP/device data Any fraud investigation results All communication with the furnisher The complete Method of Verification ( MOV ) including the name, address, and telephone number of each furnisher you contacted, as required by FCRA 611 ( a ) ( 7 ).

Deletion of all accounts Experian can not verify, or those tied to the fraud indicators you acknowledged.

A written explanation of : What specific fraud indicators were identified, Why Experian did not block the account ( s ) immediately under 605B, Whether the furnisher confirmed or denied the fraud indicators.

Experians own written statement indicates that the information in question can not be verified and may be fraudulent. 
Under the FCRA, unverifiable or fraudulent information must be removed, not continued to be reported. 

Please complete the actions above within the statutory timeframe and provide written confirmation to both me and the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-11-24 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have been trying to resolve this issue for months. I dont think that a description of the issue is needed, however I have submitted a formal complaint to the Attorney General and the department of Connecticut Consumer Protection . 
Under consumer protection laws, customers are entitled to goods and services that meet reasonable quality standards. The service I received did not meet those standards. Not only XXXX is the one that assigned the technician, I was told by a XXXX representative the total amount I was going to be charged and then I was charged a higher amount than the one I agreed over the phone with the representative.

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 2025-11-24 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: TX

Complaint narrative:
I am filing a complaint because Experian Equifax and TransUnion continue to report inaccurate information on my credit file despite a previous dispute. The accounts were verified without correcting conflicting dates balances and account statuses which violates FCRA 1681e b and reinvestigation requirements under 1681i. Collectors did not provide proper validation under 1692g. Metro2 fields such as DOFD DOLA payment rating and compliance codes remain incorrect or missing. The inaccurate accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed on my report.

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 2025-11-24 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 am filing a complaint because Experian Equifax and TransUnion continue to report inaccurate information on my credit file despite a previous dispute. The accounts were verified without correcting conflicting dates balances and account statuses which violates FCRA 1681e b and reinvestigation requirements under 1681i. Collectors did not provide proper validation under 1692g. Metro2 fields such as DOFD DOLA payment rating and compliance codes remain incorrect or missing. The inaccurate accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
This complaint is directed at Experian, TransUnion, and Equifax for their continued reporting of multiple fraudulent accounts, inquiries, and addresses that are already documented in my official FTC Identity Theft Report ( Report No. XXXX ). I am a verified victim of identity theft, and the FTC report clearly shows numerous fraudulent accounts and collection items including : XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX ( XXXX ), as well as multiple unauthorized addresses such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and fraudulent inquiries such as XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX None of these accounts, addresses, or inquiries were ever authorized, opened, or used by me. 

Despite receiving full identity-theft documentation, the credit bureaus continue to report these items, violating FCRA 605B, which requires the bureaus to block all identity-theft related information within 4 business days of receiving an FTC Report and proof of identity. Instead, these fraudulent accounts remain on my reports as if they belong to me.

The credit bureaus have also violated FCRA 611, which requires a reasonable reinvestigation. The bureaus have continued to verify these fraudulent items without providing any documentation or validation from the furnishers, even though the accounts clearly originate from criminal misuse of my identity. 

They have further violated FCRA 623, by continuing to accept and publish information from furnishers who are reporting accounts they knowor should knoware fraudulent. This includes failing to flag these accounts as identity theft and failing to prevent reinsertion. 

The continued publication of these fraudulent accounts is also a violation of the FACTA identity-theft rules, which require credit bureaus to have procedures to identify, block, and prevent the reinsertion of identity-theft information. 

Additionally, by allowing these fraudulent items to remain on my credit file, the credit bureaus are enabling illegal collection attempts, violating the protections intended under the FDCPA, as they facilitate the reporting and circulation of debts that are not legally mine. 

This ongoing reporting is causing direct and serious harm. I am being denied fair credit access, facing financial loss, emotional stress, and long-term credit damage because Experian, TransUnion, and Equifax have failed to comply with identity-theft laws, failed to block fraudulent information, and failed to maintain reasonable procedures to ensure maximum accuracy under FCRA 607 ( b ).

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 2025-11-24 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Novo Platform Inc.
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX debit for {$1300.00} from XXXX XXXX XXXX posted to my XXXX checking account, along with a {$20.00} ACH fee. I did not authorize this transaction, nor has anyone associated with my business. 

I reported the unauthorized transaction to XXXX within XXXX hours of it posting and requested the required XXXX Unauthorized Debit return, the XXXX ( Written Statement of Unauthorized Debit ), reversal of the fee, and confirmation that my account would remain open during the dispute. 

Despite timely reporting, XXXX has repeatedly stated that my case is with escalation, but no action has been taken. Over a week has passed, and XXXX has not : Initiated the XXXX return Provided or processed the XXXX Reversed the fee Given any timeline for resolution Under XXXX rules, unauthorized debits must be returned promptly once reported, and the receiving bank can not delay a valid XXXX claim. XXXX has not followed these required procedures, and I have not received any progress or communication beyond escalation. 

I am requesting assistance in having the unauthorized {$1300.00} debit returned and the related fee reversed.

Company response to consumer: Closed with explanation