vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding TD Banks handling of a XXXX dispute involving non-delivery of services, misrepresentation, and refusal to refund. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent three XXXX payments totaling {$4000.00} from my TD Bank account to a company called XXXXXXXX XXXX XXXX XXXX XXXX. The company promised results within a short timeframe. After more than three months, I have received no services, no results, no income, and no proof of work.

I requested a refund multiple times. Instead of resolving the issue, the merchant ignored refund requests and responded with threats, stating that compliance and possible legal action would be pursued against me. This felt retaliatory and was not an attempt to resolve the dispute.

I contacted TD Bank, opened a dispute, and sent multiple secure messages. However, TD has not taken meaningful action, has not clearly explained the investigation process, and has not provided relief despite clear evidence of non-delivery and bad faith by the merchant. 

I am experiencing financial harm, and I am requesting that TD Bank properly escalate, investigate, and resolve this XXXX dispute, including reimbursement of my {$4000.00} due to non-delivery of services and deceptive practices. 
On top of NON deliverance and no service, that I payed for with my hard earned money and got forced into contracts. They tell me they going to put me on hold and do not continue to help me with anything.Now they are threatening me with compliance and Legal law action to be taking place. While not helping me. They all are XXXX Scammers. Everyone sounds XXXX and like they are very personal people to not handle a real official buisness that they claim. When asking for refund for no real services delivered for my payments. They are supposed to help me build cash flow and gain my funds back and more. They have not done non of these things for me. After forcing contracts on to me. Days and weeks and months go by with no progress and I feel like nothing and feel like I got scammed by this company. All from this company. XXXX and my daughter birthday is coming up which I explained to them. And I cant by my daughter anything because of being in hardship financial from this company. They are just holding my money for the longest with out helping me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: TX

Complaint narrative:
Attached is my myFICO 3-Bureau credit report dated XX/XX/year>, which shows the disputed XXXX XXXX XXXX account reporting only on Equifax and Experian  and not on XXXX further demonstrating inconsistent and inaccurate credit reporting.

I disputed this account with the credit reporting agencies because the accuracy of the account was in question. After my dispute, TransUnion deleted the account from my XXXX credit report. However, the same account continues to be reported by Experian/Equifax . 

Because one nationwide consumer reporting agency deleted the account while another continues to report it, the information can not be consistently verified as accurate. This inconsistency demonstrates that the account information being reported is inaccurate or unverifiable. 

I previously requested verification and documentation showing how Experian/Equifax investigated and verified this account, including the method of verification and the data relied upon. Experian/Equifax did not provide this information.

As a result, inaccurate account information remains on my credit report despite prior disputes and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into an installment contract with a co-borrower for the purchase of a XXXX XXXX XXXX. The vehicle was later involved in an accident, and an insurance claim was filed. XXXX submitted payment to the lender in connection with the loss. 

After receiving the insurance payment, the company claimed that a deficiency balance remained. I dispute the accuracy and completeness of how this balance has been calculated and reported. I was not provided with a clear accounting showing how the insurance payment was applied, how the remaining balance was determined, or whether additional fees, interest, or charges were added after the insurance settlement. 

Under the Fair Credit Reporting Act, including XXXX XXXX. XXXX ( a ) ( XXXX ), furnishers are required to accurately update and report account information when a payment is received that changes the balance. Despite this requirement, the company continues to report a deficiency balance without providing documentation demonstrating that the account was properly adjusted or that the information being reported is complete, verifiable, and not misleading. 

As a result, I am disputing the reporting of this account and requesting a full review to ensure compliance with federal credit 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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
I have been paying this loan ever since I borrowed the money. Theyve been taking money out every XXXX weeks making me further behind on all of my bills. They want me to do this until next year ( XXXX ). I started borrowing from this company in XXXX of this year. I am really struggling and I have asked them to work with me, but theyre refusing. I was so in need of help, I didnt read the fine print, which I know now I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This complaint is a continuation of CFPB complaint # XXXX, which was closed before I had an opportunity to respond to Barclays explanation XXXX The issue remains unresolved. 

Barclays reduced the credit limit on my XXXX co-branded credit card on XX/XX/year> without advance notice and initially attributed the decision to XXXX. When I contacted XXXX, they stated they did not initiate any credit-limit change. In their CFPB response, Barclays later confirmed that the decision was made by Barclays, contradicting the explanation I was originally provided. 

Barclays response does not identify any specific adverse credit event, does not explain the timing of the reduction during an active dispute and settlement involving the associated XXXX account, and does not address the lack of advance notice. The reduction caused foreseeable harm by limiting my ability to make required payments during a sensitive dispute period. 

The account has since been paid in full, further undermining any stated or implied risk justification for maintaining a reduced credit limit. 

I am requesting clarification of the specific factors that triggered the reduction, confirmation of whether any inaccurate information was relied upon, and restoration of my prior credit limit. Because this matter was not resolved before the prior complaint was closed, I am requesting CFPB review.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XX/XX/year> my brokerage account with Robinhood was closed. At the time of closure the account held a cash balance of XXXX dollars. Since the account was closed I have been unable to access or withdraw the remaining funds.

I contacted Robinhood multiple times by email to request instructions and a timeline for receiving the remaining balance. Robinhood responded with automated messages confirming the account closure but did not provide any information about how or when the funds would be released. I am unable to access in app support due to the account closure.

I am requesting assistance to obtain the release and disbursement of the remaining cash balance from my closed account. Robinhood case reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake is refusing letter of guarantee and is blocking my insurance from paying them. Also forced me to sign a new appraisal authorization without me knowing what it meant. And I have been paying my car even after it was declared total loss. 

I have been trying to reach out to them but their customer service is terrible and their answers slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had a XXXX XXXX for XXXX yrs with an available balance over $ XXXX but it does not show on the Experian & XXXX FICO score banking updates. The missing credit card and payment history & available balance is lowering my overall FICO Score.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had a XXXX XXXX for XXXX yrs with an available balance over $ XXXX but it does not show on the XXXX XXXX XXXX FICO score banking updates. The missing credit card and payment history & available balance is lowering my overall FICO Score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I filed an FTC Identity Theft Report regarding accounts that were opened and/or reported without my authorization. Under FCRA 605B, the credit reporting agencies are required to block identity-theftrelated information within four business days of receiving my report and proof of identity.

Despite this, the disputed accounts continue to be reported and/or have been reinserted without proper certification or notice. This constitutes violations of FCRA 605B, 607, 611, and 623.

I am requesting immediate and permanent blocking of all identity-theftrelated accounts, written confirmation of the block, and cessation of any further reporting by furnishers unless they can provide documented proof of authorization.

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 2025-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
On XX/XX/XXXX i pulled my credit report and noticed an account being reported by a furnisher reporting incomplete or inaccurate information. I have since requested all account documentation including the original contract, the buyer/purchase agreement, all accounting statements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
Company : XXXX  ( PayPal, Inc. ) Product : Digital Wallet / Peer-to-Peer Payments Amount : {$100.00} Issue : Funds unavailable / account closed XXXX permanently deactivated my account without providing a specific reason and placed a hold on my {$100.00} balance for up to XXXX  days. 

XXXX  has stated that they will not disclose the basis for this decision and has not provided a clear release date or process for accessing my funds. 

I understand the need for a reasonable risk window ; however, there are no disputes, chargebacks, or fraudulent transactions associated with my account. I have also confirmed that there are no PayPal-side limitations or disputes that would legally prevent release of these funds. 

I am requesting written confirmation of the exact release date and prompt release of my {$100.00} balance once the holding period concludes. 

This complaint is being filed due to lack of transparency and concern that funds may not be released in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I started using PayPal to purchase merchandise from a company in XXXX. Over the course of two months I spent thousands of dollars but in the end I never received anything. 
I contacted PayPal to report the issue as a last resort after I received no response from the company. PayPal said my buyer protection shielded me from incurring any loss and that they would conduct an investigation.

One day later they sent me correspondence that I had violated their terms of service and that my buyer protection had been revoked.

This seems very suspicious as I have not violated anything and its very odd how they had no problem taking their fees and never had any issues with me over the course of the two months I used them to make the purchases. 
This whole situation has left me very aggravated as I am XXXX and was using my money to purchase gifts for the Holidays and now I have nothing, not to mention that they pulled one of the shadiest moves I have ever seen. And also, I have the recorded call telling me that I was covered by buyer protection so even if they decide to block my account for whatever reason, it doesnt seem legal that they can take away something that happened before this account thing took place. 
And they never even conducted an investigation.

Im just very frustrated and depressed right now as i have nothing and Im getting shafted by a huge corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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