vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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 filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-25 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: KY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that 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 has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> morning I typed to pay for XXXX  {$50.00} so I paid it. However, the sign of the web showed call number. I called it. he said you paid {$500.00} so He wanted to refund {$450.00}. He asked me first down load connectwise app and he is watching my XXXX. he controlled me go to banks and {$450.00} from BOA and XXXX XXXXXXXX. ( XXXX is already claimed by Cfpb ) Total lost XXXX. I visited Bank of America and called claim department ( by banker ) .She said close the account and tried to XXXX XXXX XXXX is 3rd party. They can't responsibility. As same as XXXX. XXXX told XXXX. XXXX told to XXXX. I told XXXX 6 times, XXXX Called 4 times. I visited the BOA Stroe 3days. The BOA can say close the account and call XXXX. 
This happen is I didn't know about scam so I want to money back

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 2025-07-25 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-25 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: FL

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had someone file a dispute charge of money that they sent to me through Venmo and Venmo froze my account for 3-5 business days. The person that filed the dispute called the Venmo company and told them that he lied about the dispute he made that it was really my money and that I wasnt a scam or fraudulent account. Venmo requested I sent a picture of my ID and me holding my ID as I did. I waited 5 days and asked them about my account if it would be unfrozen and they told me that my account was permanently suspended and that I could not pull out the funds in my account for 180 days that they would hold it. They never gave me as to any reason why my account was being suspended when me and the person involved both told the account specialists it was a complete misunderstanding. They said I was in violation of their user agreement and gave me no reasoning why. I just want my money out of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I deposited a check on XX/XX/XXXX for just under XXXX XXXX  for a classic car I had sold.the bank held my check for over 10 days .I went down there when it said my funds were avail., and they refused to give me money.i finally got the manager to give me XXXX. But than my direct deposit from my XXXX arrived and the bank kept it, took out the remaining funds and posted XXXX balance but didn't tell me why .with out anything on my part I found out that they reported me to check services for what??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding XXXX XXXX XXXX 's recent actions in pressuring the online gaming platform Steam to remove certain games from sale. The targeted titlesfictional, animated, and clearly protected by existing laws regarding content creation and distributionare fully lawful to possess, purchase, and produce. Their decision to enforce restrictions against them constitutes not only overreach but a clear suppression of legal expression. 

Such conduct, particularly when exercised by a corporation with XXXX  or XXXX 's scale and influence, raises grave concerns about monopolistic behavior and abuse of market power. The absence of real individuals in the content being penalized makes their intervention all the more troubling, and I am convinced that their restrictions do not reflect moral concern but a harmful misuse of leverage over digital marketplaces. 

This issue is not merely of personal interest to meit will define part of my political identity going forward. 
XXXX and XXXX 's behavior demonstrates a willingness to suppress creativity and consumer choice for reasons that appear neither legal nor ethical. 

Sincerely, XXXX XXXX XXXX, XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a false account listed on my credit report, which I did not authorize or open. I consider this a serious issue and suspect it may be tied to identity theft or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
These accounts are fraudulent, and I had no involvement in opening them. Pursuant to USC 1681g, I am requesting their removal from my credit report within 15 days. Relevant supporting documentation is attached.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have communicated to the company that I will be trying to make out of my to make {$250.00} every other week since the loan I had only cosign for and that person is having a financial hardship were they are unable to work at the moment. I have requested deferred payment due to a special financial relief due to the floods that happened here in XXXX  and they denied the request based on a system that makes the decision as it would have been. XXXX said that is their policy to make me repeat my full social security number, he said that they cant take payments over the phone for partial payments. Only full amount can only be done over the phone. They are also advising me that previously I didnt speak to a supervisor. I also received a call from an calling to collect payment and first didnt read the notes on the account before calling, then kept refusing to transfer the call to a XXXX, the. It had me on a mute hold for over an hour. Horrible customer service, all the calls that have been handled today XX/XX/XXXX should be reviewed because you will see the lack of customer service care, even coming from an escalations agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
Dear CFPB, I complain against Launch Servicing ( XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX, XXXX ( NC Loan # XXXX loan XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX for deceptive financing and collection practices across my properties.

Details Florida : A {$91000.00} XXXX  XXXX  ( originated by XXXX XXXX Bank, now with Launch ) for an incomplete solar and roof project lacks itemization, with a ~ {$34000.00} balance. I was told not to pay until completion, never approved the work, and stopped autopay in XX/XX/year>. 


North Carolina : A {$57000.00} XXXXXXXX XXXX ( credit report shows {$75000.00} ) for an incomplete installation includes unitemized costs ( e.g., tree cutting ), with ~ {$36000.00} paid. 


Pennsylvania : A XXXX XXXX  for a defective installation lacks itemization, with payments ~ {$36000.00}. 


Concerns : Lump-sum loans hide costs, violating TILA. Debt collectors pursue unvalidated debts, ignoring my disputes.

Request Investigate, compel itemized records, cancel loans, and repair credit.

Contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
I'm filing a follow up complaint regarding a rental debt reported by XXXX XXXX XXXX XXXX opened on XX/XX/XXXX on behalf of a former apartment complex. I immediately disputed the debt both verbally and by email on XX/XX/XXXX and was assured that my dispute was doccumented. 

Despite my dispute and written request, the account is now appearing on my credit report as negative with no indication that it was disputed, in direct violation of the FCRA. This is damaging my credit score and impacting my financial stability. Additionally, the amount reported has increased from {$120.00} as indicated in their response to my previous complaint to {$130.00} without any documentation or explanation.

This collection has now been reported inaccurately, and their failure to note the account as disputed has caused additional harm.

The company also referenced Granberry v Islay Investments ( XXXX ) in my previous complaint to justify the claim that certified mail was not required when sending the itemized statement of deduction. This is an inappropriate reference as I never acknowledged recieving the notice as the tenant did in the XXXX case. I have clearly stated that I did not receive the itemized statement, and your representative acknowledged you did not verify delivery or confirm that it was mailed correctly. 

Additionally, your representative stated that the itemization was actually sent to my previous address rather my forwarding address in phone conversations which does not align with your previous comment that the itemization was sent to my forwarding address.

Company response to consumer: Closed with explanation