vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I am filing this complaint because Toyota Motor Credit Corporation is reporting a repossession for {$1600.00} on my credit report. I have been disputing this for months and have never received any written validation, proof of sale, or balance breakdown explaining how this number was calculated. 
Its been well over 90 days, and Ive asked repeatedly for verification of this account not just we verified it. I want to see the actual sale documents, deficiency notice, and final billing statement. Nothing has been provided. 
What Toyota Motor Credit and the credit bureaus are doing is falsely reporting and verifying unverified data, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Standards. 
This account also shows account not in dispute, even though I have disputed it with all three credit bureaus. Thats illegal under FCRA 623 ( a ) ( 3 ). Toyotas lack of documentation and duplicate or inconsistent reporting practices are common they often fail to provide proof of sale or the legal right to collect on these repossessions, which is an industry-wide issue.

These actions violate : FCRA 607 ( b ) must assure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) must reinvestigate disputed information ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable data must be deleted ; FCRA 623 ( a ) ( 1 ) ( A ) can not report info known to be inaccurate ; FCRA 623 ( a ) ( 3 ) must report accounts as disputed ; XXXX XXXX 4.2.2, 4.3.1, 6.2.1 must provide factual documentation and validation.

This is not identity theft, and I am not working with a credit repair company. Im a consumer asking for proof. If you cant provide it, remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am formally disputing inaccurate information on my credit reports and requesting an identity theft block under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ).

The following accounts, collections, inquiries, and reported late payments are fraudulent, unauthorized, or otherwise inaccurate. I did not open or authorize these accounts. Since they are the result of identity theft or misreporting, they must be blocked and permanently deleted from my credit files. 
Disputed Accounts and Collections 1. XXXX XXXX XXXX XXXX XXXX {$1100.00} Unauthorized. Please block/delete. 
2. XXXX XXXX XXXX {$1200.00} Unauthorized. Please block/delete. 
XXXX. I XXXX XXXX {$4400.00} Unauthorized. Please block/delete. 
XXXX. XXXX XXXX, XXXX {$1100.00} Unauthorized. Please block/delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX {$10000.00} ( Profit & Loss Write-Off ) Unauthorized. Also, 7 late payments are reported on this account. Since the account is unauthorized, the tradeline and payment history must be deleted in full. 
XXXX. XXXX XXXX {$26000.00} Profit & Loss Write-Off Unauthorized. Please block/delete. 
XXXX. XXXX XXXX  {$1200.00} ( Charge-Off / Profit & Loss Write-Off ) Unauthorized. Additionally, 10 missed payments are being reported. Since this account is fraudulent, the tradeline and all late payments must be permanently deleted. 
Unauthorized/Improper Hard Inquiries The following hard inquiries were not authorized and must be deleted : XXXX XXXX Under FCRA 1681b, only permissible purpose inquiries may appear on a credit file. These inquiries were not authorized and must be removed.

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 2025-11-10 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: NY

Complaint narrative:
I am formally disputing inaccurate information on my credit reports and requesting an identity theft block under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ).

The following accounts, collections, inquiries, and reported late payments are fraudulent, unauthorized, or otherwise inaccurate. I did not open or authorize these accounts. Since they are the result of identity theft or misreporting, they must be blocked and permanently deleted from my credit files. 
Disputed Accounts and Collections 1. XXXX XXXX XXXX XXXX XXXX {$1100.00} Unauthorized. Please block/delete. 
2. XXXX XXXX XXXX {$1200.00} Unauthorized. Please block/delete. 
XXXX. I XXXX XXXX {$4400.00} Unauthorized. Please block/delete. 
XXXX. XXXX XXXX, XXXX {$1100.00} Unauthorized. Please block/delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX {$10000.00} ( Profit & Loss Write-Off ) Unauthorized. Also, 7 late payments are reported on this account. Since the account is unauthorized, the tradeline and payment history must be deleted in full. 
XXXX. XXXX XXXX {$26000.00} Profit & Loss Write-Off Unauthorized. Please block/delete. 
XXXX. XXXX XXXX  {$1200.00} ( Charge-Off / Profit & Loss Write-Off ) Unauthorized. Additionally, 10 missed payments are being reported. Since this account is fraudulent, the tradeline and all late payments must be permanently deleted. 
Unauthorized/Improper Hard Inquiries The following hard inquiries were not authorized and must be deleted : XXXX XXXX Under FCRA 1681b, only permissible purpose inquiries may appear on a credit file. These inquiries were not authorized and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a fair and accurate credit report. I am asking for a thorough review of these accounts, and if any can not be verified as accurate, they should be promptly deleted from my report.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing you to confirm that my Student Loan was forgiven. I have several communications from the Department of Education regarding the Sweet Cardona Lawsuit, which I am apart of, and the lawsuit is complete. 

My loan should be forgiven and settled with refund sent back to me. 

I continue to get emails from Nelnet that my XXXX was approved, when i have not logged in and requested anything from them. 

They are tampering with my profile and are not honoring the lawsuit. 

They did approve my dispute on XXXX XXXX, and removed the loan from the credit report, but I am still getting communication, that I have filed requests, which is not accurate. 

I have not done anything but submit complaints on behalf of their behaviors. 

I would like an investigation on the forms the website states that I have filed when I have not field anything since XXXX when I completed the Borrowers Defense. 

I get emails about my loan repayment process was approved, my income contingency plan was approved, my forbearance was approved, when i have not requested any of those things since XXXX. 

Please assist! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding an inappropriate and unnecessary payment hold placed by Wells Fargo on my new Wells Fargo credit card. Although the funds have since been released, the situation revealed serious flaws in Wells Fargos handling of payment processing and customer communication. 

In XX/XX/year>, I used my Wells Fargo credit card to pay rent through their partner platform ( XXXX  ). Due to incorrect guidance from the platforms AI system and a confusing multi-step payment process, several transactions were returned through no fault of my own. Despite my prompt communication and clear explanation, Wells Fargo placed my credit card payment of approximately {$4200.00} on hold for an extended period. 

During this process, customer service representatives were unhelpful and condescending. They refused to acknowledge the documented errors caused by their partner platform, showing no empathy or accountability. This resulted in unnecessary stress, delayed rent, and damage to customer trust. 

While the payment was eventually released, the issue never should have occurred. Wells Fargo failed to investigate properly, relied on inaccurate assumptions, and demonstrated poor communication between departments and their partner platform. 

I request that the CFPB review Wells Fargos procedures for handling payment holds linked to partner services and require the bank to ensure that customers are not penalized for system or partner errors in the future. Wells Fargo should also be held accountable for the lack of professionalism and care displayed in their customer service interactions.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CO

Complaint narrative:
Cash app closed my account in XXXX of XXXX  without notice. I was told by cash app representative that I would not be able to get the {$100.00} dollars that was in pending status because it was on hold from a hotel I had stayed at for incidentals. The hotel released the hold XXXX day after cash app closed my account. However cash app kept the money on pending for another 30 days at which time I was told I could withdraw the funds to my linked bank card on the closed account and when I tried to do so I was told the account could no longer be accessed by me even though I had the phone number linked to the account. I have called customer support every day for the past 2 weeks and also asked to be escalated to a supervisor. Just 2 days ago I received an email from a cash app supervisor explaining that the money on the closed account is considered to be abandoned money stating that I didn't access the account before the 30 day period. I have been given nothing but the run around by cash app and its emp.oyess since the day They closed the account.. I'm a XXXX XXXX and desperately need this money to be returned to me I'm struggling because of not having this {$100.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX   I mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XXXX XXXX  that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc.
State: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting an alleged collection account for {$1000.00} from XXXX XXXX to XXXX  and XXXX, and I have never received any type of written validation for this debt. 
Ive disputed this account multiple times and asked both XXXX XXXX XXXX and the credit bureaus to send me proof of the original debt, billing statements, and verification of how they confirmed the accuracy of this account. To this day, no one has provided any of that information. 
Instead, I continue to get generic responses saying Im claiming identity theft, which is completely false. I have never claimed identity theft I have stated repeatedly that this is a XXXX XXXX factual dispute under the Fair Credit Reporting Act ( FCRA ). Its unacceptable for these companies to use template responses to avoid investigation and verification responsibilities. 
This account has now been in dispute for over 60 days, and both XXXX  and XXXX are still reporting it, even though no written validation or documentation has ever been provided. At this point, this isnt a request for verification its a demand for immediate removal under federal law.

These actions violate : FCRA 607 ( b ) duty to maintain maximum possible accuracy ; FCRA 623 ( a ) ( 1 ) ( A ) prohibition on reporting information known or believed to be inaccurate ; FCRA 623 ( a ) ( 3 ) duty to report accounts as disputed once notified ; FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) failure to reasonably reinvestigate and delete unverifiable information ; FDCPA 809 ( a ) failure to provide written debt validation within 5 days of first contact ; Metro 2 4.2.2, 4.3.1, 6.2.1 factual documentation and accurate dispute coding requirements.

Because this has gone on far too long, I am now considering legal action against all three parties XXXX XXXX XXXX, XXXX, and XXXX  for willful non-compliance under FCRA 616617 and for violations of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc.
State: GA

Complaint narrative:
Signed up for Tomo Credit. Cancelled after about 1 hour due to all the negative reviews I found after signing up. I cancelled and requested a refund of {$120.00} and they are ignoring me and not responding to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The App is XXXX  that I was having an issue with. So after {$5.00} crypto currency transaction my account got frozen due to suspicious activity. First of all, I would think something illegal would would be a lot more than {$5.00}. I receive this email saying that they need my ID, which i promptly uploaded. About 5 days goes by and I get a new notification saying that they still can't very my brand new drivers license from the DMV which was crystal clear, and they have to old ID to compare it to as well. They say they cant verify me. This is a huge concern for security and the integrity of their security systems. If they can't verify a legitimate document, how are they going to be able to detect fake documents? They could possibly be violating XXXX  Compliance and not being able to abide by the Money Laundering Control Act of XXXX, becuse they could be allowing false documents pass. If they can't verify a 100 % legitimate document, the question of whether they can differentiate what's fake and real is a valid question and at the minimum be audited for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am writing to dispute inaccurate reporting on several accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. 
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

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 2025-11-09 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX Accounts, same account number # : XXXX Reported Balances : {$9600.00} and {$9600.00} Reporting Bureaus : XXXX, XXXX, and XXXXTD Auto Finance is reporting two separate repossession accounts with the exact same account number ( XXXX ) and two different balances ( {$9600.00} and {$9600.00} ) across all three credit bureaus. This is a clear case of duplicate and inconsistent reporting, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data-furnishing standards. 
I have disputed this account multiple times with XXXX, XXXX, and XXXX, and I have also requested written validation and verification directly from TD Auto Finance. To date, I have not received a single piece of documentation no billing statements, no repossession notice, no proof of sale, and no calculation of deficiency balance. 
The tradeline continues to show account not in dispute despite my ongoing disputes, which constitutes deliberate noncompliance under : FCRA 607 ( b ) failure to report with maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) furnishing data known to be inaccurate.

FCRA 623 ( a ) ( 3 ) failure to report the account as disputed.

FCRA 611 ( a ) ( 1 ) ( A ) failure to reinvestigate within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information. 
Under XXXX XXXX XXXX, XXXX, and XXXX, furnishers are required to ensure each tradeline is uniquely reported, supported by factual documentation, and coded accurately. TD Auto Finances duplication of the same account with two different balances violates these standards and results in double derogatory reporting ( double jeopardy ). 
Because no validation has been provided and the information remains inconsistent, the data being reported is hearsay, not verifiable fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 formally disputing inaccurate information on my credit reports and requesting an identity theft block under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ).

The following accounts, collections, inquiries, and reported late payments are fraudulent, unauthorized, or otherwise inaccurate. I did not open or authorize these accounts. Since they are the result of identity theft or misreporting, they must be blocked and permanently deleted from my credit files. 
Disputed Accounts and Collections 1. XXXX XXXX XXXX XXXX XXXX {$1100.00} Unauthorized. Please block/delete. 
2. XXXX XXXX XXXX {$1200.00} Unauthorized. Please block/delete. 
XXXX. I XXXX XXXX {$4400.00} Unauthorized. Please block/delete. 
XXXX. XXXX XXXX, XXXX {$1100.00} Unauthorized. Please block/delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX {$10000.00} ( Profit & Loss Write-Off ) Unauthorized. Also, 7 late payments are reported on this account. Since the account is unauthorized, the tradeline and payment history must be deleted in full. 
XXXX. XXXX XXXX {$26000.00} Profit & Loss Write-Off Unauthorized. Please block/delete. 
XXXX. XXXX XXXX  {$1200.00} ( Charge-Off / Profit & Loss Write-Off ) Unauthorized. Additionally, 10 missed payments are being reported. Since this account is fraudulent, the tradeline and all late payments must be permanently deleted. 
Unauthorized/Improper Hard Inquiries The following hard inquiries were not authorized and must be deleted : XXXX XXXX Under FCRA 1681b, only permissible purpose inquiries may appear on a credit file. These inquiries were not authorized and must be removed.

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