vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 2025-06-22 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: MI

Complaint narrative:
I am filing this complaint to formally dispute several inaccurate and unverified entries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX, a collection account that was recently deleted by Experian, must also be deleted from all other credit reporting agencies, including TransUnion and Equifax. I am requesting confirmation that this account is fully deleted across all bureaus to ensure consistency and accuracy in my credit file, as mandated by FCRA 602 ( a ), which ensures fair and accurate credit reporting. 

Additionally, I am disputing a collection account reported by XXXX XXXX. There is no contractual agreement between myself and XXXX XXXX, nor has any proof of ownership or legal right to collect this alleged debt been provided. Under FCRA 609 ( a ) ( 1 ), I have the right to request and obtain full disclosure of the information used to report this debt. Without a signed contract or verifiable documentation linking me to this account, the tradeline is inaccurate and must be removed. Furthermore, FCRA 623 stipulates that furnishers of information must not report unverifiable or inaccurate data. Continued reporting of this account without proper substantiation is a violation of federal law. 

Lastly, I am disputing the reporting of XXXX XXXX regarding my student loan account. Under FCRA 609 ( a ) ( 1 ), I am formally requesting the original signed promissory note and a full accounting of how XXXX obtained or services this loan. Per FCRA 611 ( a ), if these documents can not be produced within 30 days of this dispute, the entries must be deleted from my credit report. Furthermore, pursuant to FCRA 623, any failure to validate or remove outdated and unverifiable information renders the furnisher liable for noncompliance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) ensure these accounts are thoroughly investigated and that any unverifiable, inaccurate, or legally noncompliant information be permanently removed from all credit reports. Thank you for your prompt attention to this matter in accordance 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 2025-06-22 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights. 

I look at my Transunion report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
In XX/XX/year>, an unauthorized hard inquiry appeared on my Equifax credit report. I never applied for any credit, and I did not give permission for that inquiry. I submitted a formal dispute, had my statement notarized, and followed up multiple times through Equifaxs dispute process. 

Despite over 90 days passing, Equifax has not removed the inquiry, nor have they taken any corrective action. This delay is harming my credit score and financial position. I am requesting the CFPB 's assistance in enforcing my rights under the Fair Credit Reporting Act. I want this inquiry removed immediately and for Equifax to issue a formal response confirming correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Complaint Summary : In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX and financed it through Toyota Financial Services ( TFS ) via Toyota of XXXX, TX. The transaction involved misleading practices, misapplied funds, and inflated charges : 1. No access to contract before signing I was denied a paper copy and asked to sign electronically, being told I would receive it later by email. I was pressured by the finance manager and not allowed to review the full contract. 
2. Unauthorized add-ons I clearly refused all optional protections ( GAP, extended warranty, tire/wheel, prepaid maintenance ), but they were still added to the contract. My wife was present and witnessed me rejecting all extras.

3. Misapplication of funds I made a {$4000.00} down payment, but it was not properly applied to reduce the principal.

A refund of {$6400.00} was issued only after legal pressure but part of that refund was applied to interest, not to principal. 
To date, I have paid {$20000.00} from my own pocket, yet my outstanding balance remains over {$28000.00}, implying a total cost exceeding {$48000.00} for a XXXX XXXX. 
4. Inflated financing The total cost of {$62000.00} is more typical of a XXXX XXXX XXXX or higher. The MSRP of the XXXX model I bought was around {$32000.00} {$36000.00} with tax. 
XXXX. Deceptive practices and coercion The sales manager XXXX XXXX XXXX promised he would cancel the add-ons later, but later claimed I had to wait a year or trade in the car to resolve anything essentially forfeiting all payments made. 



Desired Resolution : A complete review and correction of the loan balance and payment application. 
A breakdown of how my down payment and refund were handled. 
A formal investigation into Toyota Financial Services handling of funds and their relationship with the dealership. 
Possible sanctions against both Toyota of XXXX and TFS if wrongdoing is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: VA

Complaint narrative:
Dave Inc closed my checking account without my permission, they closed it prior to the notification that was sent. I was and still am unable to retrieve the money that was in the account. When trying to log into my account I get a message saying that the account was closed I also get the same message when calling the company. I am unable to speak to anyone at the company. Also since I am unable you look at my account I am unable to get the account number all I have is the last 4 numbers of the account. Upon checking around this has happened to several people and that it is very difficult to get the money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 2025-06-22 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: AR

Complaint narrative:
This letter serves as a formal follow-up to previous disputes I submitted regarding multiple inaccurate, duplicated, and unrecognizable negative accounts listed on my credit report. I am requesting an immediate reinvestigation and permanent deletion of the negative entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: AR

Complaint narrative:
This letter serves as a formal follow-up to previous disputes I submitted regarding multiple inaccurate, duplicated, and unrecognizable negative accounts listed on my credit report. I am requesting an immediate reinvestigation and permanent deletion of the negative entries.

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 2025-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
I tried to create an accounts on line and on their app to make payments. But they only offer one way to very your identity, and thats by sending a txt message. That I never recive, and havent been able to make payments. Their should offer other way to be able to verify your identity. The company is Barclays.

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 2025-06-22 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> First Advantage Corp XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX  XXXX XXXX XXXX XXXX 

I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX 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 XXXXXXXX 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

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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I received three wires to my personal bank account, from a business bank account, because my LLCs were rejected

by Georgias Secretary of State due to having similar phonetic spelling as another company. I went to my original bank to withdraw the money, but they let me know that they did not have enough cash, so they sent me to another institution about 10 minutes away. I was in work closed, I clean for a living. When I walked up to the teller, she proceeded to look me up and down as I handed her withdrawal slip. She asked for my ID and proceeded to ask me several questions about my occupation. I gave her a short answer because I was in a rush, I had another job to do in the next hour. She proceeded to get on the phone and tell me to sit down and wait in the lobby. I believe I waited for at least an hour with no answer. She came back and told me that my account was on hold and she didnt know when it would be taken off. 
No one could give me an answer or rhyme or reason as to why my account was placed on hold, who placed hold, and what exactly is being investigated. 
No one from my financial institution reached out to me for the following few days, I had to reach out to them, to no avail. 
I corresponded with a banker, XXXX XXXX, at the XXXX branch, who let me know he was consulting with the lady on the case and let me know all the documentations I needed to send in to expedite the process. I sent all the documents necessary, but there was no expedition. 
I am writing to urgently request the releaseor immediate expedited reviewof a recent incoming wire transfer to my personal account, which has been placed on hold. I understand that PNC must ensure compliance with all banking regulations, but I must respectfully remind you that : This was a legitimate business-to-personal wire transfer, and I can provide documentation of its lawful purpose.

Wire transfers are not subject to Regulation CC check hold policies.

A 60-day hold, without specific evidence of fraud or any opportunity to respond, is disproportionate and may violate the spirit of federal compliance guidelines, which require reviews to be reasonable and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resbrution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
EARLY WARNING SYSTEM, I am writing to formally demand that Early Warning Services , LLC immediately cease and desist all use, storage, sale, and distribution of my personal data, including but not limited to financial information, identity details, and consumer behavior profiles. 

You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which regulates the collection, dissemination, and use of consumer information. According to 15 U.S. Code 1681b, consumer reporting agencies such as yours may only furnish a consumer report under specific " permissible purposes ''. At no time did I provide consent or authorization for your agency to collect, process, or sell my personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
I am a victim of identity theft. Someone has stolen my identity and opened up some fraudulent accounts. I have never gave anyone permission or authorization to use my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
In XX/XX/XXXX, I discovered multiple unauthorized and fraudulent accounts reporting on my Experian credit report. My identity was compromised in large-scale data breaches at XXXX  ( XXXX, XXXX ), Experian ( XXXX ), XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX, and others XXXX 

As a result, XXXX XXXX XXXX XXXX  student loan accounts were falsely assigned to me, all showing late payments I did not authorize or make. Additional fraudulent entries include a XXXX XXXX collection ( {$96.00} ), a XXXX XXXX XXXX debt buyer account ( {$260.00} ), a charged-off XXXX XXXXt account ( {$260.00} ), a XXXX XXXX ( {$1300.00} ), and a hard inquiry by XXXX XXXX made without my consent. 

I disputed these items and requested validation under FCRA XXXX, XXXX ( b ), XXXX ( b ), and FDCPA XXXX. None have been validated, yet they remain on filedamaging my credit and violating 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