vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was contacted by a XXXX XXXX from a company allegedly named XXXX XXXX XXXX. She mentioned that I would be compensated in the form of paying off multiple debts from credit cards but most importantly my car note. I fell for the scam mentioning my debts to the scammer. They made a bank account mysteriously in my name. They asked me to pay the debts which I did. In exchange, they wanted me to pay for additional company items under my credit card accounts. This is where I stopped all form of communication. Unbeknownst to me, all of the payments were returned to the account they had set up. 
What was worse is that I was charged return fees on my credit cards and my vehicle, which is financed by Ally, was placed into charge off status. I contested with the bank in relation to these unfortunate events, but they were reluctant to release my account despite me making payments on time throughout. I was deviated as the bank refused to help me within their fraud department. I want to clear my credit as this is affecting my credit score significantly. The events took place from XXXX of 2023 to XXXX of 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I am the victim of identity theft, and my credit reports are showing a fraudulent XXXX XXXX account that must be removed immediately. 

Company : XXXX  XXXX Account Number : XXXX Fraudulent Amount : {$400.00} Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX This account does not belong to me. I have never opened it, authorized it, or benefited from it in any way. I submitted disputes directly to TransUnion, and I also provided my FTC Identity Theft Report. Despite this, the account has not been removed. Instead, I have only received automated responses, which do not meet the requirements of federal law. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 requires that, once an FTC Identity Theft Report is provided, consumer reporting agencies must block the fraudulent information within 4 business days. 

Failing to remove this fraudulent XXXX XXXX account after submission of my FTC Report is a clear violation of federal law and has caused serious harm to my credit profile.

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 2025-09-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding a case of check fraud involving a student aid refund that was issued to me. 
Bank of America stated the following regarding check number XXXX in the amount of {$1200.00} The funds were distributed through BankMobile as part of my student financial aid. I was supposed to receive a refund check. However, the check was cashed at Bank of America by someone else without my authorization. 

I do not have an account with BankMobile nor with Bank of America. I never received or endorsed the check. I filed a dispute with the bank, but it was denied, even though I provided clear evidence that I was not the one who cashed the check. 

I have also obtained a copy of the check. The person who cashed the check used identification that does not belong to me. I have filed a police report for fraud. 

I am requesting a full investigation into this matter, a reversal of the denied dispute, and a refund of the stolen funds. Bank of America should not have allowed a third party to cash a check in my name without proper identity verification.

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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
The debt was posted to my credit report for the first time XX/XX/year>. I wrote the debt collector asking for more information at the beginning of XXXX. I have not received an answer, but the debt was reposted XX/XX/year>. 

I have also been disturbed at work by multiple debt collections calls -- I'm afraid to answer any unknown telephone numbers. In addition, my credit score has fallen several XXXX points since the start of all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have contacted Freedom Mortgage multiple times via phone. I get hung up on. They don't speak XXXX. I can not find another number, email address etc. An agent contacted me earlier this year about refinancing. I was told I had to refinance to remove the PMI. I later found out that is not the case in XXXX. I most recently spoke to a man on the phone a week ago last Friday. I requested an account review and that I expected Freedom Mortgage to go back when I had enough equity built up to remove the PMI. I believe it is law in Ohio that they have to. I have well over 27 % equity in my home. I have an excellent interest rate and don't want to refinance. I simply want them to remove my PMI payment. Its 350 monthly and I could really use that money for other expenses at this time. Please help me. I am exhausted trying to reach these people. And their agents continue to call offering refinacing. I don't answer the phone because they call from unidentified numbers and leave messages. When ending the most recent call the man said they would send the info. I have yet to receive any correspondence and its been over 11 days.

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 2025-09-02 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: PA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING :

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 2025-09-02 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: GA

Complaint narrative:
To whom it may concern, A credit report 's errors and discrepancies are more than just numbers or statements they have the potential to thwart someone's financial goals and dreams. Given how these reports affect people 's opportunities and life decisions, it is imperative that every piece of information be carefully examined. Years ' worth of consumer financial behavior could be at risk due to a simple oversight. My emphasis on accuracy is therefore not for my own satisfaction but rather as a call for careful consideration and adherence to the strictest truth-related guidelines. 

It is critical to recognize the role credit bureaus play in the financial system as a whole. Errors can have repercussions in areas like employment and housing. As a result, maintaining accuracy and integrity is both morally and legally required. I have faith that by realizing these ramifications, you will treat this issue with the gravity and urgency it requires.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I need these atm fees to be refunded back to my account because the live chat support agent couldnt do it for me Debit date Description Type Amount Current balance XX/XX/XXXX XXXX XXXX XXXX XXXX - {$100.00} {$840.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX. Amount : - {$100.00}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} {$940.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX Amount : - {$100.00}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX - {$63.00} {$1000.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX Amount : - {$63.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - {$23.00} {$1100.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX. Amount : - {$23.00}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX - {$63.00} {$1100.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX Amount : - {$63.00}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX - {$43.00} {$1100.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX. Amount : - {$43.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - {$200.00} {$1200.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX Amount : - {$200.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$83.00} {$1400.00} Transaction. Date : XX/XX/year>. Description : XXXX XXXX XXXX Amount : - {$83.00}. 
I need the {$24.00} fees to be credit back into my and reverse back into my account my name is XXXX XXXX you can email me back at XXXX or call me at XXXX or do both etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WA

Complaint narrative:
Americollect contacted my parents and informed them they were trying to contact me to collect a debt on XX/XX/year> at approximately XXXX this morning. They already have my personal contact information but still disclosed that to my mother and stepfather.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2025, my Chase checking account was frozen due to a legal hold placed on my funds. I immediately contacted the bank to request information about the reason for the hold and asked if there was anything I could do to resolve the issue. They directed me to the Court Orders and Levies Department, which I also contacted. However, they did not provide any specific reason for the hold. The bank imposed an extraordinary legal hold on my account, resulting in a negative balance of {>= $1,000,000} ( XXXX ) - an amount impossible for me to owe or access. 

Subsequently, I sent an email requesting clarification regarding the hold. On XX/XX/2025, at XXXX PM, I received a response indicating : " We put a hold on a recent deposit you made to your account. The hold was placed by our Court Orders and Levies Department. Funds aren't available for withdrawal until a specified legal condition is fulfilled. '' Based on this information, I reviewed my recent deposits, which include : {$9000.00} cash deposited via ATM on XX/XX/2025 {$40000.00} transferred from a company on XX/XX/2025, related to a sales contract {$38000.00} transferred from my XXXX account on XX/XX/2025 I have regularly checked my account for updates, and the bank recently withdrew the hold on the amount of {>= $1,000,000} on XX/XX/2025. However, on XX/XX/2025, they placed another hold for - {$40000.00}. As a result, my account is now overdrawn, and the bank has charged me a {$35.00} overdraft fee. 

At this point, I am uncertain of the next steps. I have offered to provide any additional information or documentation regarding my deposits to resolve this matter, but I have not received any helpful response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-09-02 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-09-02 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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