vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
On XX/XX/XXXX I took out an XXXX XXXX of {$300.00} from Dave.com via their app. The total repayment amount is {$320.00}. 
Due to circumstances beyond my control, I needed to revoke authorization for Dave to use my ACH information or Debit Card information to make repayment on XX/XX/XXXX. I am having issues with my bank and they have advised me to stop ALL transfers both ACH and Debit Card. 
I reached out to Dave on XX/XX/XXXX with this request. I clearly stated that I was revoking authorization to charge my ACH checking account OR Debit Card for the repayment of my XXXX XXXX and that they could provide me an address with which I could send a money order for my repayment. 
Today, XX/XX/XXXX, Dave came back that they would NOT honor my revocation of authorization. Their exact words were as follows : We received your request to revoke authorization for automated payments, however, we cant complete this request at this time due to you having an outstanding XXXX. 
When you initiated the transfer of XXXX on XX/XX/XXXX, you agreed to a single authorized transfer of funds to occur on XX/XX/XXXX from the disclosed connected accounts or card, which is not eligible for cancellation. 

To my knowledge it is illegal for a company to deny your revocation of authorization. I really need to stop this charge from occurring as I am dealing with a MASSIVE issue with my bank and their continued debits could compromise my ability to fix those issues. 

Please request/enforce Dave to STOP any and all future debits of my ACH and Debit Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: HI

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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 recently reviewed my credit report and identified hard inquiries that were made without my consent or prior knowledge. I have never authorized any entities to access my credit file during that time period, and I consider this activity fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX D.C. XXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Review of Collection Accounts Reporting XXXX Member To Whom It May Concern, I am an XXXX XXXX service member requesting your assistance in investigating the accuracy and legality of the following collection accounts reporting on my credit report. These debts are negatively affecting my ability to secure housing and financial stability, which are critical to my mission readiness and military obligations. The Fair Credit Reporting Act ( FCRA ), Servicemembers Civil Relief Act ( SCRA ), and Consumer Financial Protection Bureau guidelines entitle me to accurate, fair, and verified reporting. 

The following accounts are in dispute : 1. * * XXXX XXXX XXXX XXXX * * - Amount : {$190.00} - Original Creditor : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Reason for Dispute : No notice received ; account not validated ; debt balance not verified. 
2. * * Caine & Weiner Company * * - Amount : {$120.00} - Original Creditor : XXXX - Date Opened : XX/XX/XXXX - Reason for Dispute : Never received communication or validation of debt. 

3. * * XXXX XXXX * * - Amount : {$450.00} - Original Creditor : XXXX XXXX - Date Opened : XX/XX/XXXX - Reason for Dispute : Incorrect reporting and lack of communication prior to credit placement. 

I request that these accounts be fully validated or permanently removed if the companies can not provide proper documentation, especially considering my status as a service member. 

Sincerely, * * XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: I.C. System, Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Complaint and Request for Review of Collection Accounts Reporting XXXX XXXX  To Whom It May Concern, I am an XXXX XXXX service member requesting your assistance in investigating the accuracy and legality of the following collection accounts reporting on my credit report. These debts are negatively affecting my ability to secure housing and financial stability, which are critical to my mission readiness and military obligations. The Fair Credit Reporting Act ( FCRA ), Servicemembers Civil Relief Act ( SCRA ), and Consumer Financial Protection Bureau guidelines entitle me to accurate, fair, and verified reporting. 

The following accounts are in dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Amount : {$190.00} - Original Creditor : XXXX XXXX XXXX - Date Opened : XX/XX/XXXXXXXX  - Reason for Dispute : No notice received ; account not validated ; debt balance not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$120.00} - Original Creditor : XXXX - Date Opened : XX/XX/XXXX - Reason for Dispute : Never received communication or validation of debt. 

3. * * IC Systems * * - Amount : {$450.00} - Original Creditor : XXXX XXXX  - Date Opened : XX/XX/XXXX - Reason for Dispute : Incorrect reporting and lack of communication prior to credit placement. 

I request that these accounts be fully validated or permanently removed if the companies can not provide proper documentation, especially considering my status as a service member. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Phone : 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 2025-07-23 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries listed on my credit report, which I believe were made without my knowledge or proper authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe to be inaccurate or the result of identity theft or other improper actions.

15 U.S. Code 1681b ( FCRA 604 ) This section limits access to consumer reports to those with a permissible purpose. Any party that accesses my credit report without such purpose is in violation of federal law.

15 U.S. Code 1681m ( FCRA 615 ) Requires users of consumer reports to notify consumers when adverse actions are taken based on such reports, which has not occurred in my case.

15 U.S. Code 1681i ( FCRA 611 ) Grants me the right to dispute incomplete or inaccurate information, requiring the credit reporting agency to investigate and correct or delete any unverifiable or unauthorized data.

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 2025-07-23 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 writing to formally dispute several unauthorized inquiries listed on my credit report, which I believe were made without my knowledge or proper authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe to be inaccurate or the result of identity theft or other improper actions.

15 U.S. Code 1681b ( FCRA 604 ) This section limits access to consumer reports to those with a permissible purpose. Any party that accesses my credit report without such purpose is in violation of federal law.

15 U.S. Code 1681m ( FCRA 615 ) Requires users of consumer reports to notify consumers when adverse actions are taken based on such reports, which has not occurred in my case.

15 U.S. Code 1681i ( FCRA 611 ) Grants me the right to dispute incomplete or inaccurate information, requiring the credit reporting agency to investigate and correct or delete any unverifiable or unauthorized data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
XXXX or about XX/XX/year> unopened an account with Seacoast  XXXX. I deposited {$500.00} and disbursed {$250.00}. The bank closed my account without telling me. The bank also took the {$240.00} out of my account and I am having trouble getting the money. 
I have no idea why they closed the account. The bank days they mailed a check 14 days ago. 
I would like the bank to ACH the {$240.00} to my other bank which was used to fund the account. 
I have talked to 6 people including supervisors XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S.C. 16818, a credit inquiry may only be made under certain circumstances and for a permissible purpose. Additionally, under 15 U.S.C. 16811, I have the right to dispute inaccurate information in my credit report. The following inquiries were not immediately authorized on my credit report. 
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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correctattachments.

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 2025-07-23 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: MD

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correctattachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX while logged into my XXXX  account I browsed a receipt from a previous purchase from 2 years earlier and thought nothing more of it, nothing was not added to my basket, However I later discovered the next day or 2 the merchant XXXX used that browse action to re-charge my credit card for a second time for {$72.00} for a previous purchase made 2 years earlier. When I asked for a refund they said they escalated but never got back to me after that .. After I disputed the charges with Citibank N.A . They then provided irrefutable proof the software was delivered and used from 2 years back. however they can not provide any proof the software was re-registered for a 2nd time when they erroneously made the second charge to me Citi XXXX XXXX. 

On the same day after I browsed this older order, I placed a new order for " XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX '' for the amount of {$36.00}. However the XXXX website would not allow me to redeem and download the software. I engage their support team for assistance but the e-mail instructions they provided was not helpful and did not resolve the specific issue of me not being able to download the software. I also asked for a refund of the previous erroneous {$72.00} charge they sent me a note they have escalated but I never heard back. and since the order for {$36.00} was not working I also asked for that to be refunded. As stated above the merchant provided proof the original purchase for {$72.00} from 2 years ago was redeemed they could not provide proof for the second charge was downloaded from XXXX or registered by myself ; neither did XXXX or Citibank N.A. provide any proof of the {$36.00} purchase was delivered or registered to me. Citibank N.A. and XXXX have colluded and with racketeering intent to defraud hard working consumers of their hard earned cash. This is very unfair and something needs to be done. 
Citibank N.A. denied my disputes and sided with the merchant even though in my opinion they did not provided evidence I re-registered any software charged a second time for {$72.00} or able to download and register same XXXX office software purchase for {$36.00}. Neither Citibank N.A cared to investigate or ask Why would customer even purchase the same software twice within minutes? even though said customer was pointing out of concerns of technical issues with purchase and inability to download and register software purchase.

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 2025-07-23 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: OH

Complaint narrative:
CFPB Complaint Equifax & XXXX Product : Credit reporting Companies : Equifax and XXXXXXXX XXXX XXXX ( XXXX ) Submitted by : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Summary : This is a formal complaint against Equifax and XXXXXXXX XXXX XXXX. ( XXXX ) for willfully and repeatedly violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. These violations have caused substantial harm to my credit profile and have compelled me to file a civil lawsuit in Small Claims Court in XXXX XXXX, OH for {$6000.00} in statutory damages. 

Key Violations : Illegal Re-Aging of Date of First Delinquency ( DOFD ) XXXX confirmed that the last valid payment was received on XX/XX/XXXX. 


Under Metro 2 and FCRA 623 ( a ) ( 5 ), the DOFD must begin no later than XX/XX/XXXX. 


However, Equifax falsely reports the DOFD as XX/XX/XXXX, and the " Date of Major Delinquency '' as XX/XX/XXXX, which is unlawful re-aging. 


This artificially extends the derogatory reporting window in violation of federal law. 


Continued CO ( Charge-Off ) Status After Full Payment I fully paid the charged-off balance of {$490.00} via five personal checks between XX/XX/XXXX and XX/XX/XXXX. 


Despite this, Equifax continues to display CO notations through XX/XX/XXXX, which contradicts Metro 2 reporting rules. 


Failure to Accurately Update Tradeline Post-Payment XXXX acknowledged in writing that the balance was fully satisfied. 


Yet, Equifax continues to show misleading charge-off history, and fails to reflect payment activity. 


This violates FCRA 607 ( b ) and Metro 2 requirements for post-resolution account treatment.

Failure to Reinvestigate ( FCRA 1681i ) I submitted multiple disputes to Equifax with evidence including check images, payment confirmation, and official letters from XXXX. 


Equifax failed to conduct a proper reinvestigation or update any data. 


Violation of Ohio Revised Code 1345.02 ( CSPA ) By knowingly misreporting a resolved and closed account, and extending derogatory status, both Equifax and XXXX have engaged in deceptive and unfair conduct under Ohio law.

Relief Requested : Immediate deletion of the XXXX tradeline from my Equifax credit report. 


Written confirmation of all corrections made. 


Referral for enforcement investigation of systemic violations. 


Acknowledgement that I have filed suit in Small Claims Court for maximum statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
These accounts were not authorized by me ; I formally request their removal from my credit report within the 15-day period allowed under USC 1681g .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.s.C 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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