vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, incomplete, and unverified items appearing on my Equifax credit report. Despite my efforts to maintain accurate credit reporting, these accounts continue to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ), 1681e ( b ), and 1681s-2. 

Charged-Off Account in Dispute XXXX XXXX  ( Acct : XXXX, Opened XX/XX/2024, Balance {$2200.00} ) This account is being reported as charged off without proper verification, complete payment history, or proof of legal obligation. I dispute the accuracy and completeness of this account and request full validation. If Equifax can not verify this information with competent evidence, it must be deleted. 

Unauthorized / Improper Inquiries XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2024 I do not recall authorizing these inquiries. They appear to be the result of improper or impermissible access to my consumer report. Please provide proof of authorization or remove these inquiries immediately. 

Late Payment Reporting Disputes XXXX XXXX ( Acct : XXXX ) XXXX AUTO ( Acct : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have repeatedly requested to freeze my employment and income verification records maintained by The Work Number / Equifax Workforce Solutions. I have submitted two email requests for a secure link to complete the freeze, but have not received any response. The phone system is unhelpful, and customer service representatives have been unable to assist or access my records. I am requesting that my freeze request be processed immediately and that I receive written confirmation as required by law. Please assist in resolving this issue promptly. The Work Number/ Equifax Workforce Solutions is failing to honor my rights under the Fair Credit Reporting Act to restrict access to my consumer employment report. Despite multiple requests, I have not been provided a functional method to place a freeze. If this issue is not resolved, I will consider all remedies available under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-12-15 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

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 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 2025-12-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-15 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: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Complaint Summary : I am filing this complaint regarding Toyota Financial Services ( Toyota Motor Credit Corporation ) and its handling of consumer hardship requests related to my auto loan. 

Loan and Vehicle Details : Lender / Servicer : Toyota Motor Credit Corporation ( Toyota Financial Services ) Vehicle : 2022 XXXX XXXX XXXX XXXX Vehicle Identification Number ( VIN ) : XXXX Contract Date : XX/XX/year> Retail Installment Contract governed by Texas law Original Amount Financed : {$28000.00} Annual Percentage Rate ( APR ) : 9.14 % Monthly Payment : {$590.00} Loan Term : 60 months I am not disputing the validity of this contract, the APR, or the original loan terms. 

Due to significant financial hardship, I contacted Toyota Financial Services to request assistance and to ask about available hardship accommodations, loss-mitigation options, or temporary relief that could help me avoid delinquency or default. 

Toyota Financial Services refused to offer any meaningful hardship assistance and stated that, as an indirect lender, it does not modify contracts, does not refinance existing auto loans, and does not provide hardship programs beyond continuing full contractual payments. I was not offered any hardship review process, eligibility criteria, or alternative consumer-assistance pathway. 

This response effectively leaves borrowers experiencing financial distress with no reasonable options other than default or repossession, despite proactive communication and good-faith efforts to seek assistance early. Toyota Financial Services approach discourages early engagement and does not provide transparency regarding hardship or loss-mitigation practices. 

I am concerned that Toyota Financial Services does not maintain a clear or accessible hardship-assistance framework for auto-loan borrowers, which places consumers at disproportionate risk during periods of financial difficulty. 

I am requesting that Toyota Financial Services be required to : Provide a written explanation of its hardship and loss-mitigation policies for auto-loan borrowers, Confirm whether any hardship or temporary relief programs exist, And review my account for reasonable hardship consideration consistent with consumer-protection standards. 

I am submitting this complaint to ensure transparency, fair treatment, and accountability in Toyota Financial Services handling of consumers experiencing genuine financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Re : CFPB-COMPLAINT ID XXXX Subject : Request for Corrected Information and Supporting Documentation Thank you for conducting an investigation and providing information regarding my claim/request. However, several statements in your correspondence are incorrect and require clarification : 1.Payments from Account Ending in XXXX You stated : We show payments were made to the credit card account from your Bank of America savings account ending in XXXX. This account was closed, and no payments were made from it. There are no such transactions reflected in the monthly statements. I request that you provide copies of the statements showing these alleged payments, if they exist. 

2.Claim Number XXXX ( Account Ending in XXXX ) On XX/XX/year>, I filed this claim, reporting identity theft. On XX/XX/year>, you sent a claim notice stating that I was not responsible for opening the account. I am requesting a complete transaction history for this account, as it does not appear in my online banking records. 

3.Claim Number XXXX ( Transfers Between Accounts Ending in XXXX and XXXX ) You stated that online banking transfers totaling {$1000.00} were made from account ending in XXXX to account ending in XXXX. Again, account XXXX was closed. I request a transaction history or statement showing that such transfers occurred. 

4.Telephone Conversation on XX/XX/year> You noted that I stated I was not claiming identity theft and instead requested a thorough review of transactions on account ending in XXXX. You further explained that account XXXX was used as an overdraft protection account linked to account ending in XXXX. This explanation is incorrect. I submitted a letter of instruction to Bank of America via fax, email, and in person at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

5.CFPB Inquiry Regarding XX/XX/year> Transaction In my CFPB inquiry, I referenced a transaction of {$71000.00} on account ending in XXXX. While you stated the account was closed on XX/XX/year>, I have attached a screenshot showing that this transaction did occur on XX/XX/year>.

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 monetary relief
Consumer complaint received 2025-12-15 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: Klarna AB
State: MA

Complaint narrative:
Klarna reported a late payment on my credit report, related to an account that belongs to my mother ; I have never been late on any payments. The Klarna account in question belongs exclusively to my mother ; I have my own Klarna account. This hs affected my credit report and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I accepted a one-year free promotion offered through PayPal for a XXXX XXXX XXXX XXXX 
I was later charged {$230.00} for an annual subscription that I did not knowingly authorize. 
The promotion was presented as free for one year, and I am not using the service.

I disputed the charge twice with PayPal, and both disputes were denied without proper resolution.

PayPal has left my account with a negative balance for a charge resulting from deceptive marketing. 
I am requesting a full reversal of the charge and correction of my account balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank checking account has been frozen due to an internal review for an extended period of time. Citibank representatives have repeatedly stated that they require a verification letter reference code that was allegedly mailed to my address. 

However, I never received this verification letter, and Citibank has refused to confirm or verify whether the letter was sent to the correct address. 

During this same period, I successfully received multiple other Citibank letters at my current address, all correctly addressed with my name and residence information. I physically brought these letters, along with my government-issued ID, lease documentation, and other valid proof of address, to a Citibank branch XXXX 

Despite presenting clear and sufficient evidence that Citibank is able to reach me at my current address, Citibank still refused to unlock my account, reissue the verification letter, or offer any alternative verification method. 

As a result, I have been unable to access approximately {$2100.00} of my own legitimate funds, including paycheck deposits. Citibank continues to state that they must follow internal process, yet they provide no timeline, no confirmation of mailing accuracy, and no resolution path. 

This prolonged and unreasonable account restriction has caused serious financial hardship, including receiving a housing-related notice, because I am unable to pay essential living expenses while Citibank withholds my funds.

I have formally requested either : Immediate release of my funds, or Closure of the account with the remaining balance issued to me by check Citibank has refused to take action on either request.

I am requesting that Citibank immediately release my funds or close the account and issue my remaining balance without further delay. Citibanks refusal to verify its own mailing accuracy or provide reasonable alternative verification methods is unjustified and harmful.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc.
State: IL

Complaint narrative:
A payment of {$840.00} was sent to the wrong person on Cash App. They refuse to help me. And told me that i need to take this up with the person who received the funds, which idk them and they dont know me. They are not responding and Cash App didnt even ask me for my pin before the transaction was completed like they normally do which is what i dont understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Re : Request for Debt Validation Account Number : [ Account Number as listed on your credit report ] Dear Sir or Madam, This letter is sent in response to your reporting and/or communication regarding the above-referenced account. This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I dispute this debt in its entirety and request that you provide proper validation, including but not limited to the following : The name and address of the original creditor ; The date the debt was incurred and the date of default ; A complete itemization of the amount claimed, including principal, interest, fees, and any other charges ; A copy of the original contract, agreement, or application bearing my signature ; Proof that you are legally authorized to collect this debt, including a copy of the assignment or bill of sale ; Documentation showing that the statute of limitations has not expired ; Proof that you have the authority to report this account to consumer reporting agencies. 

During the validation process, you are required to cease all collection activities, including reporting or verifying this account with any consumer reporting agency, until such validation is provided. 

If you are unable to provide the requested validation, you must cease collection efforts and request deletion of this account from all consumer reporting agencies to which it has been reported. 

Please note that this request is not a refusal to pay, but a request for verification as permitted by law. Any failure to comply may constitute violations of the FDCPA and FCRA and may result in formal complaints or legal action. 

I expect your response within 30 days of receipt of this letter. 

Sincerely, [ Your Full Name ] [ Signature, if mailing ]

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am disputing the Santander Consumer USA account under the Fair Credit Reporting Act. 


This auto loan was charged off, yet Santander continues to report a past-due balance while the same debt is also being reported by a third-party debt buyer. This constitutes duplicate and potentially inaccurate reporting. 


Please provide : Accounting of the balance after charge-off Proof no double recovery is occurring Verification of reporting accuracy under FCRA 623 If Santander can not fully verify this information, the account must be deleted under FCRA 611 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and unauthorized information appearing on my Equifax consumer credit report. Due to widespread consumer data breaches and XXXX legal duties under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, complete, and properly verified before it may be reported. 
The following accounts are disputed due to lack of authorization, questionable accuracy, and XXXX  failure to ensure lawful and verifiable reporting 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation