vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am writing to report a issue with my auto loan and vehicle repossession.

My vehicle was towed to be serviced. while at the service location, the bank repossessed my vehicle without providing any prior notice to me by mail or email they said they made calls that I did not receive. I did not receive any repossession notice as required by law.

The bank is demanding {$1100.00} in back payments plus {$750.00} repossession fee, which I can not afford.

The bank does not know the location of my vehicle, and I was informed my vehicle will be sold on XX/XX/XXXX If I do not pay.

I have experienced financial hardship due to illness and being out of work, which prevented timely payments.

Additionally, the dealership has messed up my documents, including listing the wrong insurance company, incorrect dates, and multiple agents signing paperwork 's I did not work with.

I believe my rights under the Fair Debt Collection Practices Act and applicable state repossession laws may have been violated. I am requesting the CFPB 's assistance in : 1. Investigating the repossession and ensuring proper legal procedures were followed.

2. Helping resolve the errors in my loan and dealership documents.

3.Preventing the sale of my vehicle while this matter is under review.

4.Addressing the improper fees and back payment being demanded.

Attached are copies of all relevant documents.

Thank you for your assistance. 



XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received the court case showing I was served to appear in court but did not. I was not aware of the court date nor that I was being sue because I was living out of state. The address on the documents showed that LVNV was aware of this fact yet falsely presented information to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST 15 U.S.C.

1681c-2 Your Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX ( Last XXXX digits only ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 
Fraudulent Accounts to Be Blocked : Account Name : XXXX XXXX XXXX Account Amount : {$790.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$260.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$720.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Amount : {$20000.00} Account Number : XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion.

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information.

I have provided all required information.

Demand I therefore demand that you : 1. 2. 3. Block and delete the fraudulent accounts and related information within 4 business days, Provide me written confirmation of the deletion, and Send an updated copy of my credit report once the block is complete. 
Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 
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 explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft, and both Equifax and Experian have failed to block and remove fraudulent accounts, unauthorized inquiries, and inaccurate personal information from my credit file as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted my FTC Identity Theft Report, proof of identity, and a formal 605B block request. Despite this, the fraudulent information remains on my credit reports and continues to harm my credit standing.

Under FCRA 605B, the credit bureaus are required to block identity-theftrelated information within four ( 4 ) business days after receiving valid documentation. This has not been done. 

1. Incorrect Personal Information My credit file contains personal information that is not mine and is tied to identity theft. These items must be blocked immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Employer : XXXX XXXX XXXX I have never lived at these addresses or been employed by this business. 

2. Fraudulent Accounts to Block Under FCRA 605B The following accounts were never opened, authorized, or used by me. These are identity-theftrelated and must be blocked and permanently removed : 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 These accounts do not belong to me and should have been blocked within four business days per FCRA 605B. 

XXXX. Unauthorized Hard Inquiry The following inquiry was not authorized by me and must be removed because it is related to identity theft : DEPT OF ED XX/XX/XXXX I did not grant permission for this inquiry, and no signed authorization has been provided. 

4. Failure to Comply With FCRA 605B Despite receiving : My FTC Identity Theft Report My government-issued identification My proof of address My signed identity theft statement Equifax and Experian did not block the fraudulent accounts, inquiries, or personal information. They also failed to meet the mandatory 4-business-day blocking requirement.

This failure violates FCRA 605B and continues to cause financial harm, stress, and credit denial. 

I am requesting CFPB assistance to enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
" transfer '' delay from MOHELA federal student loan servicer told will take 90 days from XX/XX/XXXX to transfer to financial aid delinquency department. Urgent class start/aid block. Dismissive MOHELA customer support services. Requested for In-student deferment currently enrolled in school " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX starting XX/XX/year> and was denied after spending over one hour on the phone with me.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-15 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have limited English and Bank of America knows this. My XXXX XXXX checking account ending in XXXX shows a positive balance in the mobile app, but my debit card ending in XXXX has been repeatedly blocked. I can not withdraw cash at ATMs, I can not use the card in XXXX XXXX, and many everyday payments are declined, even though the account shows money available. 
On XX/XX/XXXX, Bank of America sent me a letter about my account ending in XXXX saying they detected suspicious activity and, as a precaution, they blocked my account and my Online Banking access. The letter tells me to call XXXX between XXXX XXXX. and XXXX XXXX  Eastern time. I have tried many times to call, but I can not get real help and my account is still locked. 
Because of this, I have not been able to pay for car repair, gas, phone service, and other basic living expenses. My XXXX bill could not be paid from my Bank of America account because the bank locked my account, and my phone service was interrupted, so I had to go to the store in person and argue with staff, wasting time and energy. XXXX XXXX XXXX XXXX XXXX so when I can not fix my car, buy gas, or keep my phone service, I can not work and my income is harmed. 
I have contacted Bank of America many times by phone and in person, but they keep saying the card is okay while the problems continue. Now other payments are also being affected. For example, on XX/XX/XXXX a {$30.00} auto payment on my XXXXXXXX XXXX XXXX XXXX  XXXX ending in XXXX was denied with an Issuer Decline Transaction Denied alert. I am afraid that bank errors or blocks are spreading and damaging my credit and my ability to live a normal life. 
I have attached screenshots and emails, including : the Bank of America app showing my balance, ATM declines, wallet/card errors for debit card XXXX, statement emails for account XXXX, the XX/XX/XXXX Bank of America suspicious activity letter blocking my account, XXXX payment problems, and text and email messages from XXXX showing that I contacted a lawyer, plus the XXXX XXXX Transaction Denied Issuer Decline alert. These files are named by date and type for easy review. 
I respectfully ask Bank of America and the CFPB to investigate these problems, require the bank to fully restore my access to my own money and credit cards, correct any errors or blocks, and provide fair compensation for my time, trouble, and emotional distress.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm has been furnishing inaccurate and misleading credit information on a continuous basis for this account. 

The account was charged off in XXXX  ; however, Affirm has continued to report monthly charge-off statuses and past-due indicators for more than XXXX consecutive months, creating the false appearance of ongoing delinquency. 

A charge-off is a single accounting event, not a recurring delinquency. The continued monthly reporting materially misrepresents the status of the account and has caused repeated and compounding harm to my credit profile. 

Additionally, Affirm has continued to update balance and status information years after the account ceased activity, without any new transactions or payments, which constitutes inaccurate furnishing and potential re-aging. 

Because this reporting has occurred repeatedly and over an extended period, correction is no longer sufficient. I am requesting removal of the account or documented verification showing how the ongoing monthly delinquency reporting complies with the Fair Credit Reporting Act. 

I am seeking resolution through deletion or complete suppression of this inaccurately reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
XXXX XXXX | Compliance Representative | BC Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Main : XXXX | Direct : XXXX XXXX The gentlemen mentioned above contacted me regarding an unpaid debt with XXXX XXXX XXXX. I have proof that the debt was paid and informed him that he needed to validate his information before reaching out to me again. He did not validate the debt and instead sent me a collection form requesting payment. I then provided them with the paid receipt from XXXX XXXX XXXX for the same date and instructed them not to contact me again unless they were providing a cancellation of their contract for a debt that has been paid. 

Now, he is contacting me again, asking for personal information about the patient, which is protected under HIPAA. Additionally, if he did not have proper identification of the person he was trying to collect money from, then he did not validate the debt correctly in the first place.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
So I spoke with a XXXX  representative and theyre telling me they can not give me my money and they need to keep it for investments. Why would you keep my direct deposit for your investments? I am also tired of XXXX  customer service agents talking about ethnicity and bringing up XXXX XXXX  people. I have the whole conversation on tape with XXXX being XXXX and admitting hes taking my money. At this time because of the recorded XXXX conversation I know have reached out to an attorney who listened to the audio and is shocked that the agent asked if I was XXXX or XXXX. Who does that? XXXX  doesnt want to give me my money all because of the color of my skin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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