vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint with Upstart. I was approved for {$1400.00} loan after they ran a soft pull on my credit. Then they asked for my award letter for my SSDI so I uploaded my XXXX verification for XXXX  and what I get for my XXXX children because of my XXXX that is deposited in my XXXX XXXX account which I gave Upstart access to so they should of seen that I get XXXX checks a month deposited XXXX for me and XXXX for my children because of me which is part of my income. I also work but it goes into my XXXX XXXX  account and I saw I could only give them access to XXXX account. Upstart denied me after they saw my XXXX verification for XXXX  calculating my income of {$19000.00} estimating and not calculating my checks that I get deposited for my children that are under XXXX XXXX is XXXX and XXXX is XXXX. When I called regarding this I didnt get a clear answer and I got hung up on and I dont appreciate that. My income needs to be calculated correctly and not just denied with the wrong information. Please look in to this and understand and consider the correct information. Thank you for your time. Have a wonderful day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX & XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I sent an instant transfer from my XXXX XXXX XXXX XXXX XXXX XXXX to my Citibank account in the amount of {$1900.00}. After sending the funds and hearing my phone chime to indicate the transaction went through, I got a text from Citibank informing me that it was declined. I contacted Citibanks fraud department immediately to verify that I authorized the transaction. While on the phone with a fraud department employee at Citibank, I inquired how long before the funds would be returned because my account was debited. The representative informed me that it should come back instantly, but the longest would be that morning. I waited until XXXX est and no funds were returned. I contacted XXXX and did a dispute. My dispute was declined multiple times by XXXX throughout XXXX & XXXX. XXXX sent me a transcript of the transaction and said that they dont have the funds. I then contacted Citibank and received the same results until a fraud department representative educated me of each transaction on XX/XX/year>. The representative told me that instead of one attempt, XXXX sent funds 3 times. I was told that their were 2 transactions for {$1900.00} and one for {$3900.00}. I told the representative that this was impossible because I only had {$3500.00} available. Representative had no response and kept directing me to contact XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: 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: GA

Complaint narrative:
I ned som infomation removed from my file. The information that I need removd is in the report. I am an identity theft victim and didn't create the charge. I'm requestin that the items be removed so that I can correct my credit report. I have reported the identity theft to the Federal Trade Commission and have provid them wit copies of their Identity Theft Affidavit. Remove the items at your earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I ned som infomation removed from my file. The information that I need removd is in the report. I am an identity theft victim and didn't create the charge. I'm requestin that the items be removed so that I can correct my credit report. I have reported the identity theft to the Federal Trade Commission and have provid them wit copies of their Identity Theft Affidavit. Remove the items at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The company needs to add my additional mailing address to my report ( s ) on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Clark County Collection Service
State: FL

Complaint narrative:
I noticed these charges on my credit that I am not aware of. Please have them to send me the original copy with signature.

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

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$760.00}, All three bureaus ) XXXX XXXX XXXX ( Account : XXXX, Opened XX/XX/XXXX, Balance- {$810.00}, All three bureaus ) XXXX  XXXX XXXX XXXX  XXXX Account : XXXX, Opened XX/XX/XXXX, Balance- {$1500.00}, All three bureaus ) Online collections ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance- {$770.00}, EQuifax collection ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. My identity theft affidavit is fully valid, and XXXX  refusal to investigate and block the fraudulent accounts is unlawful. I demand that these fraudulent accounts be manually reviewed and deleted from my credit reports. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: Williams Kastner & Gibbs PLLC

Complaint narrative:
you dont fair but ithink move out but why you backup my phone and 1 and 1 and 1

Company response to consumer: Untimely response
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XX/XX/year>. 

Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Identity Theft Block Request FCRA 605B To whom it may concern, I am a victim of identity theft. The following information appears on my credit report as a result of fraudulent activity. This account was opened or used without my knowledge or authorization. I am requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that the following account be blocked from my credit report within four ( 4 ) business days : XXXX XXXX Account Number : XXXX This request is made in compliance with my rights under the FCRA. Please send me written confirmation of the actions taken as a result of this request. 
I appreciate your urgent attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Proof of Identity ( copy of government-issued ID and utility bill ) Identity Theft Report ( FTC report and/or police report )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I am the legal owner of a XXXX XXXX  XXXX ( XXXX : XXXX, Plate : XXXX ). I am writing to dispute a repossession being reported on my credit and to formally document an abusive and negligent process that caused me financial harm, stress, and unnecessary hardship even though I paid my loan and redeemed my vehicle before any repossession should have occurred. 

I paid the balance due through XXXX XXXX XXXX, and the lienholder ( BMW Financial Services ) confirmed redemption. Despite this, an active repossession order remained on my vehicle, and I was forced to recover my own lawfully owned vehicle from XXXX XXXX XXXX a tow yard that repeatedly delayed the release, refused to provide an itemized bill, and demanded {$300.00} in unexplained cash-only fees. 

I waited over XXXX hours at the tow yard, was told staff were on lunch, even after police came, and was denied access to my vehicle even with a valid police release and payment receipt. I witnessed vehicles being moved recklessly by forklift, and ultimately received only a hand-written receipt. Throughout this process, neither BMW Financial nor XXXX would provide the most basic documentation : a redemption release or payment record. I was told by BMW Financial that the redemption authorization is an internal document I am not allowed to see even though this document directly affects my credit and legal rights. 

As a result of this mismanagement and misreporting : I paid over {$4000.00} in fees, including storage, redemption, and cash demands I missed multiple days of work and lost wages I had to hire a babysitter at the last minute to care for my child I endured public humiliation, stress, and emotional distress during this entire ordeal Most importantly, my credit report now shows a redeemed repossession, even though no completed repossession ever occurred. I retained ownership of my vehicle. It was never auctioned, sold, or fully surrendered. This label is misleading, defamatory, and materially harmful to my future ability to access housing, credit, or transportation.

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

Complaint narrative:
Summary of Complaint : PayPal has permanently limited my account and is holding my money for 180 days without any clear reason or explanation. They cited vague " violations of the User Agreement '' without telling me what exactly I did wrong. I have never been accused of fraud or received any disputes or chargebacks. 

This is a violation of fair business practices and likely a breach of federal consumer protection laws. They are withholding money that legally belongs to me without any due process. 

Company : PayPal Holdings , Inc. 
Reference ID : XXXX Requested Resolution : I want my funds released immediately or for PayPal to provide a XXXX, detailed explanation of what policy was violated and how that justifies a XXXX freeze. 

My XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, WI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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

Complaint narrative:
I am a victim of identity theft resulting from a data breach that compromised my personal identifying information, including my Social Security number. Fraudulent accounts were opened in my name without my knowledge or consent.

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), I submitted a formal dispute to the credit bureaus. I included a valid FTC Identity Theft Report, government-issued ID, proof of address, and a screenshot confirming the data breach that led to the theft. 

The fraudulent accounts are : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2300.00} XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$800.00} I also attached a PDF copy of FCRA Section 605B with my submission for reference. Despite meeting all legal requirements, the credit bureaus have not removed or blocked these accounts, as required under federal law. I am requesting that the CFPB investigate this matter and ensure full compliance with FCRA Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, XX/XX/year> My name is XXXX XXXX, and XXXX writing to urgently address an issue with my TD Bank account which was closed without proper notice. 

Account ending in : XXXX XXXX XXXX XXXX XXXX  TD Bank now claims I owe : {$5600.00} I was not notified and can not get through to support. 

This is extremely distressing, and I need : A full breakdown of the {$5600.00} charge A written explanation of why my account was closed Immediate release or explanation of my {$560.00} balance Please treat this as urgent. I will also be filing a formal complaint with the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX  XXXX : XX/XX/XXXX Balance : {$2300.00} XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My Credit Karma account has been locked since XX/XX/2025, preventing me from accessing any of my credit reports, scores, monitoring services, or checking and savings accounts. This issue stems from an erroneous fraud flag within Credit Karma 's system, which their own agents admitted was likely a mistake, falsely detecting a VPN I was not using. 

Since XXXX, I have initiated numerous chat sessions with Credit Karma 's virtual and live support ( referencing case # XXXX ). In every session, agents repeatedly provided the same ineffective troubleshooting steps ( clearing cache, trying different devices/browsers, checking for VPNs ), despite my constant confirmation that these actions were irrelevant and had been tried countless times. I even emailed Credit Karma executives to no avail. 

Crucially, in XX/XX/2025, Credit Karma directed me to complete an identity verification process via XXXX. I successfully completed this verification. However, despite this definitive proof of identity, Credit Karma 's support team ( including supervisors like XXXX XXXX. ) stated they could not access the XXXX verification status directly, could not clear the fraud flag, could not add my phone number ( again due to the phantom XXXX flag ), and could not provide any specific timeline for resolution. They indicated that my case was " escalated '' to a " higher department '' but offered no way to directly contact this team or receive concrete updates, effectively leaving my account in limbo for months. 

This is a complete failure of Credit Karma 's system and customer support to resolve a clear mistake on their end, preventing me from accessing a vital financial service for an unacceptable duration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had XXXX in my savings account XXXX XXXX, XXXX and XXXX limited the amount of money I could withdraw and limited the times per day I could withdraw, how is it that a bank, any bank can limit the amount I withdraw, yet they can accept my XXXX at once? How can a bank decide on its own to institute such a policy without first telling me or without my permission.

Company response to consumer: Closed with explanation