vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NY

Complaint narrative:
I've been trying to get of XXXX  'XXXX pay debt cycle for over a year now. XXXX Thursday I would have to take out another advance because half my paycheck is gone the very next week. I get paid every Thursday and last Friday XX/XX/year> I wrote XXXX customer support to formally revoke XXXX XXXX XXXX from my bank account and to cancel my subscription giving a reason as I just can't afford to pay in that short amount of time anymore and will need to make arrangements with XXXX at XXXX later date to pay my advance off. i then revoked XXXX XXXX  access that night early enough before XXXX  days before my repayment date. I got an auto response later that night saying a request has been received and XXXX will promptly get back to me. Then a couple hours later I received a human response stating please verify your account with my personal info. I reluctantly gave them this info to keep my revoke process going in a timely manner the very next morning on XX/XX/year>. I didn't get a response to my revoke and cancel of my subscription until XX/XX/year> denying my request for revoke and no mention of canceling my subscription. I then wrote this exactly Under the Electronic Fund Transfer Act ( XXXX XXXX Code XXXX ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I, as the account holder, have the legal right to withdraw my authorization for electronic fund transfers at any time. 

You are hereby instructed to cease all future XXXX debits from my account. Any attempt to process additional debits after the receipt of this notice will be considered unauthorized and will be reported as such to my financial institution and the appropriate regulatory XXXX. 

I then got a response burning another day closer to my repayment saying they are escalating my case and will update as soon as possible. I also had to cancel my subscription manually through there app. 
The advance amount is for {$600.00} and pay back {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 not responsible for these accounts, which I believe were opened fraudulently. Please investigate and remove them from my file. Attached is documentation.

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 2025-09-03 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: DC

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 2025-09-03 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of the account being reported by XXXX XXXX  XXXX XXXX XXXX XXXX on my credit reports. After reviewing my files, I have determined that this account is being reported in error and is not accurate. 
Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information furnished to the credit reporting agencies is accurate and complete. Because this account can not be properly verified as accurate, I am requesting the immediate deletion of this account from all credit bureaus to which you furnish information. 

Please provide written confirmation once this account has been deleted. If you are unable to verify this account with supporting documentation, you must remove it from my credit files. 

Thank you for your cooperation and prompt handling of this matter.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of the account being reported by XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. After reviewing my files, I have determined that this account is being reported in error and is not accurate. 
Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information furnished to the credit reporting agencies is accurate and complete. Because this account can not be properly verified as accurate, I am requesting the immediate deletion of this account from all credit bureaus to which you furnish information. 

Please provide written confirmation once this account has been deleted. If you are unable to verify this account with supporting documentation, you must remove it from my credit files. 

Thank you for your cooperation and prompt handling of this matter.

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 2025-09-03 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the account being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit reports. After reviewing my files, I have determined that this account is being reported in error and is not accurate. 
Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : [ Insert Account Number ] In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information furnished to the credit reporting agencies is accurate and complete. Because this account can not be properly verified as accurate, I am requesting the immediate deletion of this account from all credit bureaus to which you furnish information. 

Please provide written confirmation once this account has been deleted. If you are unable to verify this account with supporting documentation, you must remove it from my credit files. 

Thank you for your cooperation and prompt handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 filing this complaint against Equifax Information Services, LLC, for failing to investigate and remove fraudulent account information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Details of Fraudulent Account : 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 \ {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is the result of identity theft that began in XXXX and is ongoing as re occurs. I have never applied for or authorized any account with XXXX XXXX 

I have submitted multiple disputes to Equifax, including : XXXX A valid Identity Theft Report ( FTC Identity Theft Affidavit ) XXXX Police report and FBI IC3 report XXXX A written statement identifying the fraudulent account Under FCRA Section 605B, Equifax is legally required to block all information resulting from identity theft within four business days of receiving proper documentation. 
Ongoing Non-Compliance : Despite full compliance on my part, Equifax has refused to properly investigate or remove the fraudulent XXXX XXXX account. I have received no valid explanation, and no meaningful investigation was conducted. The account continues to appear on my credit report, negatively impacting my creditworthiness. 

This constitutes a direct violation of FCRA Sections 605B and 611, which require credit reporting agencies to : 1. Promptly investigate disputes ; 2. Block fraudulent information when provided with identity theft documentation ; 3. Notify the furnisher ( XXXX XXXX ) and update the consumer within statutory timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I run a XXXXXXXX XXXX as the XXXX XXXX XXXXXXXX XXXX- we are expected to provide statements from all financial institutions every month - regardless of activity. I set all my accounts to paperless to make it easy to get those statements myself ( and because it's better for the environment ). Only Citi refuses to generate a XXXX balance statement. They will MAIL me a statement - if I call to request one - and argue with me for over an hour over why they can not put it in the portal for me to just download if they can generate one to MAIL me ( and it takes 7-14 business days to MAIL it - which costs them money and me time ). And during the delay, my books are unbalanced, and it makes the XXXX look shady. And - if I switch to paper billing- they still will not generate the XXXX balance statements. They told me the solution was to carry a balance!!! I guess they want the fees that would be generated for them? Oh - and if I want a statement that is more than 12 months old - I'm able to request it online and have it generated and added to the online portal in less than XXXX hours. But I can not do that with XXXX balance statements. I've also attached my FICO score to make it clear - I'm not exactly a bad customer.

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA ACCOUNT XXXX SHOWS ON MY CREDIT REPORT AS A CHARGE OFF {$1500.00} BUT I HAD ALREADY PAID OFF THE FULL BALANCE AND I HAD RECEIVED THE CLEAN TITLE FROM MY VEHICLE THIS NEW FEE XXXX WAS ADDED FOR NO REASON, I CALLED THEM TO EXPLAIN THERE WAS AN ERROR AND THEY STILL LEFT THE ACCOUNT NEGATIVE ON MY CREDIT REPORT. I ALSO DISPUTED THIS ACCOUNT AND NO ONE TAKES ACTION TO REMOVE A FALSE DEBT AMOUNT I AM BEING CHARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-09-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-09-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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