vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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 2025-06-11 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: CA

Complaint narrative:
Paypal is illegally stealing my funds. Currently paypal is withholding {$410.00} from me and has just sent me an email telling me they will recover losses from me. Not a single reason backing this claim is founded in truth. All my payments are legitimate and not a single issue with them. They are arbitrarily withholding my funds and keeping it. They need to release my funds. Paypal is doing shady things and confiscating money from people without reason and keeping it for themselves. This is wrong on all levels and there needs to be an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
These accounts keeps getting reported back to my credit report however, the original furniture XXXX have not responded to any letters or any identity theft affidavit therefore, Im requesting these furniture be permanently blocked and all XXXX accounts be removed permanently immediately I did not open these accounts. this is identity death. The special handling department inside of Trans Union keeps deleting sensitive information such as identity theft reports they are conducting a legal activities.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
During covid 19 we had re-negotiated with Toyota and the missing payments were parts of that renegotiation, they reported them late even though we had negotiated a stay on payments for 3 months. Also this account was a business and i was the guarantor and my personal credit was supposed not be reported after we had reached an agreement to sell back to toyota

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Ive contacted them several times regarding this issue Ive disputed it, it was resolved and removed from my report but reinserted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the recent closure of my Apple Card account on XX/XX/year>, by Goldman Sachs, citing a failure to comply with the Customer Agreement. 

Throughout my time as a cardholder, I have made consistent efforts to manage my account responsibly. I have never missed a required payment and have regularly paid more than the minimum due. 

The only issue communicated to me was that two payments one for {$100.00} and another for {$250.00} were canceled. However, I would like to clarify that I canceled those payments because I changed my payment plan due to personal circumstances. Instead, I submitted a different payment of {$100.00} for that same billing cycle. At no point did I neglect my responsibility to make at least the minimum payment. 

I reached out to Apple Card support to explain the situation, and despite providing a clear and honest explanation, I was told there was no appeal process and that the account closure was final. I feel that my explanation was dismissed without a fair review of my account history. 

I respectfully request a full and fair reassessment of my case. This closure appears to be based on a misunderstanding of the situation rather than a true violation of the Customer Agreement. I also ask that this closure not negatively impact my credit report, as I have made a good-faith effort to maintain my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 INQUIRIES 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 2025-06-11 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$1200.00}

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 2025-06-11 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
I am submitting this complaint against Equifax for multiple willful violations of the Fair Credit Reporting Act ( FCRA ) related to a fraudulent account reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ), account ending in XXXX. 

I submitted a complete identity theft block request under FCRA 605B. My submission included a valid FTC Identity Theft Report, police report, and full proof of identification. Equifax initially honored the request by deleting the XXXX account. However, Equifax subsequently reinserted the account without providing any notice or the required certification from the furnisher, as required under FCRA 611 ( a ) ( 5 ) ( B ). 

This happened multiple times : Deleted on XX/XX/year>XXXX  Reinserted on XX/XX/year> Deleted again on XX/XX/year>XXXX  Reinserted again on XX/XX/year>XXXX  This is a repeated pattern of reinsertion without consumer notice or certification. I have never been provided a copy of any furnisher certification, despite several written requests. Under the FCRA, Equifax can not lawfully reinsert any previously blocked information unless they ( 1 ) notify the consumer within 5 business days, and ( 2 ) obtain a signed certification directly from the furnisher.

Equifax has failed on both counts. 

Furthermore, I have reason to believe Equifax is allowing a third-party law firm or debt collector ( XXXX XXXX XXXX ) to challenge my identity theft claim and reinsert this account despite not being the original furnisher. The pending litigation against me, filed by this firm, is a frivolous action and does not override the consumer protections granted under FCRA 605B. If Equifax is using this lawsuit as justification to override a legally binding identity theft block, that is also a violation. 

Ive also submitted a certified letter to Equifax Legal demanding that this account be permanently blocked under the law. That request remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: VA

Complaint narrative:
cash has over drawn my account and recieve fee from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am writing to formally dispute and demand removal of the tradeline reported by XXXX XXXX XXXX XXXX XXXX relating to the XXXX XXXX. This letter addresses XXXX issues. First, the entire tradeline is inaccurately reported as a real estate mortgage and must be deleted. Second, the payment history being reported is factually incorrect and does not reflect the true status of the account, which has been paid in full. XXXX claims that I own a " beneficial interest '' in the XXXX XXXX and that this constitutes real property under Florida law. However, there is no deed in my name, no ownership recorded with any county, and no ability to sell, assign, or borrow against this interest. The product is not a mortgage, it is a timeshare contract involving non-deeded points, marketed and sold using deceptive tactics. Under Texas law, this is not real property and should not be reported as a mortgage tradeline. Reporting it as such is misleading and violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Further, the product was sold using false promises of guaranteed usage, resale value, and investment potential. In reality, the system was oversold, availability was restricted, and the product had no liquid market or redeemable value. This constitutes fraud, breach of contract, and failure of consideration. The contract should never have been enforceable and should not be reported to any credit bureau. There is no valid basis for Experian or Equifax to continue publishing this data. In addition to disputing the legal status of the tradeline itself, I am also disputing the payment history. The account has been fully satisfied. I am attaching a letter confirming that the account was paid in full. Despite this, both Experian and Equifax continue to reflect derogatory notations in the payment history. This is inaccurate and must be corrected. According to FCRA 1681s-2 ( b ), data furnishers must investigate and correct or delete information that is incomplete, inaccurate, or unverifiable. If the account is paid in full, it must show a XXXX balance, no past due amount, and no ongoing derogatory history. Failing to do so results in liability for both the furnisher and the credit reporting agencies under FCRA 1681n and 1681o. Additionally, the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), prohibits furnishing false information about a debt, including failing to indicate that a debt is disputed. The XXXX Finance Code 392.304 prohibits misrepresenting the character or legal status of an obligation. Continued reporting of this tradeline, in its current form, violates both of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I recently reviewed and noticed several inaccuracies on my credit report. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item for you to verify is accurate : Account name and number : XXXX XXXX XXXXXXXX

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hereby formally dispute any information in my credit report that lacks veracity or proper documentation, adhering to the FCRA and the Metro 2 data field reporting standard. I can not acknowledge delinquency and derogatory claims without factual evidence and challenge their unsubstantiated reportability, which contravenes federal and state law. It is imperative to accurately report allegations, avoiding any violations of laws or regulations. Therefore, I request verifiable evidence supporting the account 's existence and permissible usage, or its removal, in compliance with Metro 2 standards. I authorize the mailing of physical documentation detailing your actions and my updated credit report. Your prompt attention to this matter is expected and appreciated. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries : I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account XXXX, I unaware of this debt and did not receive the opportunity to dispute this account. If you believe you sent proper notification, please provide CERTIFIED MAIL with receipt showing my signature. If not please delete account as soon as possible from my report or I will have to take legal 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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
credit Acceptance been paying like I suppose to and they have on my credit report like I am not paying the car note. I can't get into another car because credit acceptance wrote in the notes i don't pay on time that's not true.This is messing up my life my credit its mess up as well because of the credit acceptance for 3 years now.

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 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4600.00}

Company response to consumer: Closed with explanation