vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and harmful information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Details of Disputed Items : Wrong Address Reporting XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX is being reported as my address. This is inaccurate and does not belong to me. The continued reporting of this address creates confusion and increases my risk of identity-related issues. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge Off with a high balance of {$300.00}. 

This reporting is inaccurate, unverifiable, and damaging to my credit profile. XXXX XXXX has not provided any proof of ownership, contract, or legally valid documentation to substantiate this account as mine. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) An inquiry from XXXX XXXX appears on my file without my knowledge or authorization. I did not apply for credit, services, or authorize this company to access my credit report. This constitutes an impermissible inquiry under the FCRA. 

Violations : These items are not accurate, not verifiable, and are being furnished in violation of FCRA 604, 607, and 623. 

The continued reporting of this information is causing me direct financial and reputational harm. 

Requested Resolution : Immediate removal of the inaccurate address XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX. 

Deletion of the XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit report unless the furnisher can provide complete documentation proving its accuracy and legitimacy. 

Removal of the unauthorized inquiry from XXXX XXXX XXXX XX/XX/XXXX. 

Written confirmation of the corrective actions taken. 

I am requesting the CFPB to investigate these violations and take enforcement action to ensure my consumer rights are upheld.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Tan Oak Financial
State: CA

Complaint narrative:
CFPB, I am filing this complaint against XXXX XXXX XXXX because I believe their actions toward me as a consumer are unfair and misleading. Recently, I applied for a loan with this company. After submitting my application, I was told directly by XXXX XXXX XXXX that my application had been accepted. At no point was I told the application was rejected or incomplete. Naturally, I understood this to mean that I had cleared the application stage and that the process would move forward as represented. 

However, after the acceptance of my application, when I spoke with their representatives by phone to review the information, the company began making the process more difficult than originally presented. Even though they had already told me my application was accepted, they started introducing additional hurdles and conditions that were not initially disclosed. These shifting requirements make it more challenging for me to move forward and create an unfair situation where the companys words and actions do not match. 

It is problematic for a lender to state that an application is accepted, but then turn around and complicate the process as if that acceptance meant very little. Consumers rely on the companys communications in good faith. Being told that an application is accepted creates a reasonable expectation that the company will move forward in good faith without adding undisclosed obstacles. Instead, what XXXX XXXX XXXX has done feels like a bait-and-switch tactic : first providing positive news to secure a consumers reliance, then shifting the terms and making the process harder. 

Why This Matters : This conduct is not only frustrating but also misleading. It undermines trust in the lending process and causes unnecessary stress for consumers. Companies should be held to a standard of honesty and transparency when communicating with applicants. If a company tells someone that their application is accepted, that statement should have real meaning, and the company should not backtrack or introduce new barriers that were not part of the original understanding.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
I bought a XXXX XXXX used in XXXX of XXXX. I was financed with XXXX XXXX  ( also known as TMCC ) and never made a late payment. I was in a total XXXX after hitting a deer, guard rails and ending up in a ditch that occurred XX/XX/XXXX. I had full coverage insurance and GAP protection. My car insurance issued payment on XX/XX/XXXX, a service agreement purchased was prorated refunded, and then GAP protection claims company issued payment mid XXXX. I had made XXXX payments total on this XXXX XXXX ( purchased date miles XXXX ) with payment amount {$880.00} per MONTH. Total payments from myself is {$24000.00}. My insurance company paid {$24000.00} and GAP claims paid {$5700.00} .. On XX/XX/XXXX i received a letter stating i owe {$4700.00} and if not paid in 30 days then it will be charged off and reported to the credit bureau XXXX I've called and spoke to a few different people that is in the deficiency department whom all say they can set up a payment arrangement verbally but refused to give me any written documents of this arrangement if made. I mention this putting me in a hardship since i don't have a car now, I've asked to speak to supervisors but they all say they don't have anyone higher up then them that i could speak to. Its very bothersome to me that they will not give me written proof of a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
I am a verified Cash App customer, and my account was suddenly suspended after a legitimate refund transaction. I purchased a vehicle for {$1500.00}, but the sale was rescinded the same day due to mechanical issues. The seller refunded me in full, and I have signed documentation proving this ( affidavit of rescission, Ohio title showing the transfer was never completed, and message receipts with the seller ). Despite this clear proof, Cash App flagged the refund as suspicious, froze my account, and returned my IRS tax refund of {$2800.00}. My entire savings balance is now locked and inaccessible. 

I have already provided my government-issued ID, and my account is verified. I contacted Cash App support multiple times, and they only told me to wait without providing a clear explanation or timeline. I am the rightful account holder and can provide all legal documents related to the vehicle refund and my IRS deposit. This situation has caused severe financial hardship, including difficulty preparing for housing court. I am requesting that Cash App immediately unlock my account so I can access my funds, including my IRS refund and savings balance. I do not want a check mailed I want my account fully restored and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted disputes to Experian regarding several inaccurate accounts. Despite clear evidence and contradictions, Experian returned boilerplate responses of Verified/Remains without correcting the errors or providing documentation. This violates FCRA 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ) and 1681i ( a ) ( 4 ) ( failure to consider all information I submitted ). 

Examples include : XXXX reported both Paid/Closed and Charge-off/Bankruptcy, XXXX XXXX XXXX  marked an account Closed while also showing repossession and charge-off, XXXX  reported 180-day lates during bankruptcy protection, and XXXX XXXX XXXX continues to be marked Potentially Negative despite being paid and closed years ago. These contradictions are inaccurate and misleading, violating FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ).

I requested validation, proof of accuracy, and review of these contradictions, but Experian failed to provide supporting documents or a meaningful response. This violates FCRA 1681i ( a ) ( 5 ) ( failure to delete unverifiable information ).

As a result, I have suffered credit denials, higher interest rates, and emotional XXXX. I request the CFPB require Experian to delete or correct the inaccurate accounts, provide proper documentation from furnishers, and ensure all disputed items remain flagged as disputed.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Cease and Desist Notice Under 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Account No. XXXX | Alleged Balance : {$6300.00} | Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 



To Whom It May Concern : This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you cease all communication with me regarding the above-referenced account.

Effective immediately, you are instructed to : 1. Stop all phone calls, letters, emails, or other communications with me about this alleged debt. 
2. Refrain from contacting my family members, employer, or any third party in relation to this matter.

Be advised that any communication beyond what the FDCPA expressly permits ( such as a single notice of intent to pursue legal remedies ) will constitute a violation of federal law. I reserve the right to take legal action against your company for such violations, including claims for statutory damages, actual damages, and attorneys fees.

This letter does not acknowledge liability for the alleged debt. I dispute the validity of this account and fully reserve all rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and all other applicable laws. 

Please confirm in writing that you have received this notice and that all communications will cease as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX SCXXXX

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Cease and Desist Notice XXXX XXXX XXXX. XXXX ( c ) Fair Debt Collection Practices Act Date : [ Insert Todays Date ] To : XXXX XXXX XXXX. Box XXXX XXXX, MA XXXX Re : Account XXXX. XXXX | Alleged Balance : {$620.00} | Original Creditor : XXXX XXXX Insurance To Whom It May Concern : I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and hereby demand that you cease all communication with me regarding the above-referenced account.

This includes, but is not limited to : 1. Ceasing all phone calls, letters, emails, or other communications to me about this alleged debt.

2. Refraining from contacting my family members, employer, or any third party concerning this matter. 

Please note : any further contact from your office beyond what is expressly permitted by law ( such as a single notice of intent to pursue legal remedies ) will constitute a violation of the FDCPA. Such violations may result in my pursuing legal claims against your company for damages, statutory penalties, and attorneys fees. 

This letter does not acknowledge liability for the alleged debt. I dispute the validity of this account and fully reserve all rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and other applicable federal and state laws. 

Please provide written confirmation that you have received this notice and that all further communication will cease. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
It was XXXX of last year me and my fiance we got approved with 21st Mortgage credit score was amazing our income is amazing we still got denied they said because we had five deaths that we were paying now I bring in {$5000.00} a month fiance bringing {$4300.00} a month the debts that we were paying was like a total of XXXX and something all together the lady who filed my taxes even say it they are looking for all kind of reasons to not let you guys get that home I talked to someone at one of my loan companies that I borrow from lenders where I got a loan from they looked and said we used to do it and if we still did do it we would have approved y'all because I don't see nothing wrong your income is real good credit score is real good still got denied and I feel it was XXXX because we were XXXX and they did not want to see us living in that nice mobile home with that lovely land that it is on

Company response to consumer: Closed with explanation