vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit with my understanding that you will investigate these items for me to ensure accuracy. Here is the item Im asking you to verify as accurate. 

XXXX XXXX XXXX Account number : 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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: VA

Complaint narrative:
Ive written the company multiple times and demand they remove this inaccurate information from my credit report. All the information is inaccurate and I owe no balance nor is this accurate information at all. All of the information is incorrect and I owe no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Bank has restricted my account on XX/XX/year> and continues to deny me access to my funds even though the wire transfer dispute has been resolved. They refuse to provide updates, a timeline, or any case/reference number. The delay is causing financial hardship for me and my family. 

Complaint : My Ally Bank account was restricted due to a wire transfer dispute that has since been settled between both parties. Despite this, Ally refuses to unlock my account or provide any meaningful information. Every time I call, I am told there is no new information, even though the issue is already resolved and there is nothing left to investigate. 

I have spoken to multiple representatives and supervisors. They all repeat the same script : We are sorry for the inconvenience and delay. 
No new information has been received. 
You can keep calling back. 
It will be resolved in a few more days. 

This contradicts what I was told earlier, which was that the matter would be resolved within XXXX business days its past that and k keep hearing the same thing. When I expressed frustration because of the significant stress and financial hardship Im going without due to lack of access to my own money, a representative told me to calm down, instead of addressing the issue. 

Ally customer service also informed me there is no case number, which raises concerns about whether the investigation was ever properly opened or assigned. The lack of transparency, repeated delays, and refusal to explain why my account remains locked are unacceptable and harmful. 

This situation has caused severe stress, financial hardship, and a complete denial of access to my legally owned funds without any clear justification. 

What I am requesting : I am asking the CFPB to require Ally Bank to : 1. Immediately provide a clear explanation for the continued restriction on my account.

2. Confirm whether there is an active investigation and provide the related case/reference number.

3. Explain why the account remains locked even though the wire issue is fully resolved.

4. Expedite the review and restore access to my funds.

5. Provide a written explanation for the excessive delay and lack of communication. 

Desired Resolution : I need my account unlocked immediately or a clear and documented explanation of why it is still being held. I am requesting full access to my funds without further delay, and accountability for the failure to meet prior promised timelines Account was restricted on XX/XX/year> that is a week and 4 days with no resolution. 
Ally bank also sends emails stating that someone has tried to change your password. In which case is a total lie, representatives have said that is the way to get customers to call in. No one has accessed your account

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Over the past several months, I have received multiple contradictory, misleading, and inconsistent explanations from different representatives and supervisors at XXXX XXXX XXXX regarding how to properly sell my vehicle to a dealership and how the payoff process works. The misinformation I received prevented me from completing a valid dealership sale and directly contributed to my loan becoming delinquent. 

On XX/XX/year>, I called XXXX XXXX times and was told I could sell the vehicle and that any remaining balance would be forgiven, with no mention of required approval forms, settlement amounts, or internal thresholds. On XX/XX/year>, I called again and still received no information about any approval process. 

On XX/XX/year>, for the first time, I was told a special form must be submitted by XXXX for the dealerships offer to be reviewed, and that the offer could be approved or denied. This requirement had never been mentioned previously. The dealership submitted a {$7500.00} payoff offer. 

On XX/XX/year>, I learned the offer was denied, and I was told I had been offered a settlement of {$9500.00}, even though I never requested or agreed to that amount. No clear reason for the denial was provided. I attempted multiple times to speak with a supervisor but could not reach one. 

On XX/XX/year>, a representative informed me she did not know where the {$9500.00} figure came from or why it was offered. She also stated, for the first time, that XXXX only accepts dealership offers equal to 80 % of the remaining loan balance. This alleged rule had never been disclosed to me in any previous calls and does not appear in my contract. A different supervisor also contradicted this explanation. 

Because of these inconsistencies, unexplained denials, and undisclosed internal rules, I was unable to complete the dealership sale, and the account became further past due. The delays and confusion were caused entirely by the inaccurate and conflicting information provided by XXXX. I made a good-faith payment on XX/XX/year> to show intent to resolve the issue, but the misinformation has materially harmed my ability to bring the account current or sell the vehicle. 

I am requesting the CFPBs assistance in reviewing these servicing issues, the misinformation provided, and the resulting financial harm.

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 2025-12-10 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: LA

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-10 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: FL

Complaint narrative:
I am submitting this Identity Theft Report because my TransUnion credit report contains multiple accounts reporting late payments that are inaccurate, incorrect, and not supported by any documentation. These late payments do not belong to me and are causing financial harm. 

I did not authorize or recognize the inaccurate late payment activity being reported on the following 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 second reporting line ) XXXX XXXX XXXX XXXXhese creditors have not provided proof that the reported late payments are valid or accurate.

Some prior disputes were marked verified, yet no documentation was ever provided to me confirming the alleged delinquencies. Because the information is false, inaccurate, and unverifiable, it is interfering with my credit profile and ability to obtain fair credit. I am requesting an FTC Identity Theft affidavit to support my dispute and block request under FCRA Section 605B, to have these inaccurate late payments removed from my TransUnion credit report. I declare that all statements made in this report are true and accurate to the best of my knowledge.

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 2025-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX This number keeps contacting me, I called it back said its sunrise credit service. They call me many times of day up to four times a day. Then they call from a different number as well thats 2x a day. This is insane, at this point Im ready to seek legal action for the violation of the FDCPA.

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 2025-12-10 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report while attempting to qualify for a home loan. A real estate agent informed me that I could not qualify due to accounts and credit activity that I did not recognize. When I checked my XXXX  report, I found several accounts that were opened without my knowledge or permission, and my credit score had dropped significantly. 

I immediately filed an identity theft report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The police report confirms that several accounts appeared on my credit history that I did not open. 

The following accounts are fraudulent : Truist Bank account Opened : XX/XX/XXXX Amount : {$65000.00} Account ending in : XXXX I did not open this account or authorize anyone to open it. 

XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX Amount : {$370.00} I did not open this account or authorize it. 

These accounts do not belong to me. I never applied for them, never received any communication about them, and did not give permission for anyone to use my personal information. I also did not receive any mail, bills, or notices for these accounts. 

I am requesting that the fraudulent accounts be removed from my credit file, along with any related negative reporting, balances, or inquiries.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: KS

Complaint narrative:
We have two US Bank accounts. 

I completed a balance transfer about XXXX months ago. I also scheduled payments on the account that were not applied. When I logged in to schedule my monthly payment today, I found there were two late fees : one for XXXX and another for XXXX. The copany never notified us by phone or by e-mail. We have credit scores nearing XXXX. 

I called to speak with a supervisor who was rude and unaccomodating. If our credit history is reviewed, you will clearly see we have never missed a payment. Not only did we lose out XXXX XXXX interest rate, two late fees were applied and the account is likely reporting XXXX  days past due to XXXX, XXXX, and XXXX. 

Really, all I needed were the late fees waived, the interest adjusted, and to make sure the account was not reporting past due to the three credit bureau reporting agencies. When I told her I planned on transferring the balance she could not have cared less. Her name was XXXX. 

We have two US Bank accounts. Effective XX/XX/2025, both balances have been transferred to another lender : XXXX. 

I am requesting this issue to be escalated to the corporate office. These payments were indeed scheduled, we have no financial problems, and I would recommend reviewing our credit bureaus for confirmation. I also plan on filing a report with our state attorney general and the XXXX. 

The account number end with XXXX and XXXX. The accounts are under XXXX 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 explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I participated in Chimes XXXX  Invite Friends promotion, which promises {$200.00} per successful referral. I referred several friends who completed all required steps, including opening accounts using my referral link, receiving qualifying direct deposits, and activating their Chime cards. 

The system failed to automatically credit the full {$200.00} reward for each referral. I contacted Chime support and a supervisor confirmed I was eligible, but they manually issued only {$100.00}, claiming the system would not allow them to issue the full {$200.00}.

The published Terms & Conditions clearly state that members may earn {$200.00} per successful referral, up to XXXX referrals per year. Chime support refused to escalate the issue to the Promotions or Compliance teams. I am requesting that the remaining amount owed ( {$100.00} per affected referral ) be issued in accordance with the promotion terms. 

This issue has persisted despite multiple calls, chats, and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-12-10 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion has failed to correct multiple inaccurate and conflicting XXXX XXXX account entries on my credit report, despite my prior formal dispute sent under the Fair Credit Reporting Act ( FCRA 611 ). This is now my Second Notice, yet TransUnion continues to report duplicate accounts with contradictory statuses, balances, payment histories, and remarks including Charge Off, Dispute Resolved Consumer Disagrees, and at the same time listing the same account as In Good Standing. These inaccuracies violate FCRA 607 ( b ) accuracy requirements as well as FCRA 623 ( b ) furnisher responsibilities, and TransUnion has failed to conduct a reasonable reinvestigation within the required timeframe. These ongoing errors continue to harm my creditworthiness and ability to obtain fair 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 non-monetary relief
Consumer complaint received 2025-12-10 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: MI

Complaint narrative:
Issue Type : Incorrect information on your credit report Company : Experian Your Complaint : Experian is reporting a bankruptcy that is inaccurate, unverifiable, and already identified by Experian as potentially fraudulent, yet Experian refuses to delete it as required under the Fair Credit Reporting Act ( FCRA ). 

This is now my second CFPB complaint regarding the same bankruptcy. 
My original complaint was CFPB Case # XXXX. In that complaint, Experian responded to the CFPB on XX/XX/year> stating that : There may be potential fraud involved.

If Experian believes there may be fraud, the account can not legally remain on my credit report unless Experian can fully verify it with complete matching identifiers ( full name, SSN, DOB ) and provide the Method of Verification under FCRA 611 ( a ) ( 7 ).

Experian has not done this.

Experian is violating multiple federal laws : 1. FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation Experian repeatedly sends the same generic response ( item remained unchanged ) without conducting a lawful reinvestigation.

2. FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information Experian has already indicated that the bankruptcy may involve fraud yet refuses to remove it.

3. FCRA 607 ( b ) Failure to maintain maximum possible accuracy The bankruptcy record in PACER does not include SSN or DOB, and Experian can not confirm identity from PACER-only lookups. Therefore it is impossible to legally verify identity or accuracy.

4. FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification I have requested verification, and Experian has not provided : the name of the person who verified the record the method used the business address and phone number of the party verifying the identifying information used for the match Without this, the bankruptcy must be removed.

Experians conduct shows a pattern of willful noncompliance Experian : admitted potential fraud failed to verify the bankruptcy failed to delete the bankruptcy failed to provide required verification continues reporting an inaccurate public record This is harming my ability to obtain credit and is a direct violation of my rights under the Fair Credit Reporting Act.

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