vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
In XX/XX/XXXX, I received a letter from Toyota Financial Services stating that I owed {$420.00} in personal property tax for my leased XXXX XXXX XXXX. However, I had already returned that vehicle and signed a new lease on XX/XX/XXXX, meaning I was not in possession of the XXXX XXXX on XX/XX/XXXX, the date used by Kentucky XXXX to determine tax liability. 

I called Toyota Financial Services multiple times upon receiving the letter in May, explaining that I did not owe this tax. More recently, after being assessed additional property tax, I spoke with customer service representatives again on XX/XX/XXXX, XXXX, and XXXX, pleading my case and providing documentation. Despite this, XXXX continued to insist that I owed the charge. 

On XX/XX/XXXX, under pressure, I paid {$420.00} by cashiers check to satisfy the XXXX personal property tax on the XXXX XXXX even though I had documentation proving I returned the vehicle on XX/XX/XXXX. 

Now Toyota Financial Services is billing me an additional {$470.00} for the XXXX personal property tax on the vehicle I actually leased beginning XX/XX/XXXX ( which was in my driveway on XX/XX/XXXX ). This means they are attempting to collect property tax for XXXX different vehicles for the same tax year when I only possessed XXXX. 

I have provided XXXX with : A copy of my lease agreement showing the XX/XX/XXXX return date of the XXXX XXXX. 
Proof of my cashiers check payment of {$420.00} on XX/XX/XXXX. 
Prior correspondence disputing the charge. 

I have also filed online complaints and uploaded supporting documents, but XXXX repeatedly marks the cases resolved without actually resolving them, and then locks me from adding additional notes or responses. 

Despite my repeated calls, documentation, and formal disputes, XXXX has not corrected my account and continues to pursue collection of the additional {$470.00}. 

I am requesting that Toyota Financial Services apply the {$420.00} already paid in error ( as result of their coercion ) toward the XXXX property tax liability on my current lease, leaving me responsible only for the difference of {$52.00}, and that they confirm this adjustment in writing. As a loyal Toyota Financial Services customer for more than XXXX years, I find this treatment unacceptable and deeply frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. My financial institution has failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
My XXXX XXXX  credit card ending in XXXX was reflecting on my credit report and suddenly stopped I reached out to XXXX  and XXXX  they said they dont know if that account but I was on there before they said I had to get a letter from XXXX stating this is my account and they report it to all credit bureaus and I did reach out to XXXX they said they do report to all of them including transunion and sent me a pdf with the letter and now their telling me they can not accept the letter from me I dont know what to do I reached out to XXXX  and they said its reporting on there so its only XXXX  that is not properly monitoring and reporting my accurate credit profile so my score isnt where it should be my credit profile is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want these hard inquiries to be removes as soon as possible because i never authorized and I don't know nothing about this information XXXX  XXXX Report date : XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Deposited {$1000.00}, and the machine didnt process the transaction. Took the money without a receipt, just as if its canceled the transaction. But didnt give me my deposit back or in the bank. 
Transaction time was around XXXX on XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
ATM ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bonneville Billing and Collections
State: IA

Complaint narrative:
XXXXHello, XXXXI sent this email to XXXX XXXX XXXX XXXX, did not receive a response. This is the information needed to dispute this claim.XXXXXXXXI am writing to formally dispute charges and request immediate action regarding an account I closed on XXXX XXXX XXXX Attached is documentation confirming the closure and full payment of the account as of that date.\nDespite the account being closed and the property no longer being under my ownership or occupancy, I received a notice indicating continued usage and was subsequently billed. In good faith, I paid an additional amount of XXXX XXXX XXXX XXXX XXXX  to resolve the matter, although this charge was unwarranted.\n\nTo be clear:\n\tThe account was closed on XXXX XXXX XXXXXXXXI no longer occupy or own the property associated with the account.\n\tAll outstanding balances were paid in full at the time of closure.\n\tThe additional charge of XXXX  was paid post-closure and should be refunded.\n\tI am not liable for any further charges or usage on this account.\n\nRecently, I received a notice from a debt collection agency regarding this account, which is both inaccurate and unacceptable. I request that you:\n1.\tImmediately cancel and permanently close the account.\n2.\tCease all future billing or collection activity.\n3.\tIssue a refund of XXXX  for the post-closure payment.\n4.\tConfirm in writing that the account is closed and carries a zero balance. The picture attached shows that there is still bills being issued to a CLOSED account 4 months after closure.\n\nPlease treat this matter with urgency. Continued billing and collection efforts on a closed account are not only unprofessional but may also constitute a violation of consumer protection laws.\n\nThank you for your prompt attention. I expect a written response confirming resolution of this issue.\n\nConfirmation Number\tPayment Amount\tConvenience Fee\tTotal Amount\tAccount Number\tPayment Date/Time\tPayment Method Type\tPayment Method\tChannel\tStatusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Plaza Services , LLC Debt Collection and Credit Reporting Violations To Whom It May Concern : I am writing to formally file a complaint against Plaza Services , LLC regarding a debt they claim I owe in the amount of {$2200.00}. I request the CFPB 's immediate assistance in investigating this matter and having the account removed from my credit reports due to the following reasons : No Proof of Valid Debt or Contract Plaza Services , LLC has failed to provide any documentation validating the debt, including a signed contract or agreement showing I have any financial obligation to their company. I have never conducted business with Plaza Services, nor have I entered into any contract with them.

Statute of Limitations Has Expired The alleged debt is past the statute of limitations in my state. Despite this, Plaza Services continues to attempt collection, which is both misleading and in bad faith. 

Deceptive and Misleading Practices I was explicitly told by a representative of Plaza Services that if I agreed to a payment arrangement, the account would not be reported to the credit bureaus. I relied on this statement in good faith. Despite this, the account was reported to my credit report, damaging my score and violating the trust of the agreement.

Violations of Consumer Protection Laws Plaza Services actions constitute multiple violations, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of the nature of the debt and deceptive collection tactics.

Fair Credit Reporting Act ( FCRA ) : Reporting inaccurate or unverified information to credit bureaus, and failing to correct it after dispute. 

These actions are not only harmful but also unlawful. I am requesting that the CFPB investigate this matter and compel Plaza Services , LLC to : Immediately cease all collection activity on this account ; Remove the account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  ) ; Provide confirmation in writing that they have complied with these actions. 

I have made good faith efforts to resolve this matter directly with Plaza Services, but they have failed to respond adequately. I respectfully request the CFPBs assistance in enforcing my rights under the law and ensuring that this account is removed and no further harm is done to my credit. 

Please feel free to contact me should you require any additional documentation or information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I got an alert today saying I have a late payment on my credit report from XXXX XXXX  which I have no open accounts with. I have no idea where they got this information and its fraudulent. I have not received anything regarding a bill with XXXX. Nor do I have any accounts with XXXX and havent had an account with them in over 10 years. The company is a collection agency reporting fraudulent information that they have no proof of that it belongs to me nor can they show me any proof. I even called XXXX cable today and they show no open accounts in my name or social with any outstanding balance. The company is Harris and Harris LTD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Telephone bill with XXXX XXXX XXXX was put in my name I was not aware

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing inaccurate public record information being reported on my credit file. My credit report currently lists multiple bankruptcies that are duplicative, inconsistent, and incorrect. Specifically, the reports are showing : Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX This reporting is inaccurate. I did not file multiple bankruptcies as reported, and these entries do not correctly reflect the official court record. The presence of duplicate and conflicting bankruptcy entries is misleading and severely damaging to my credit profile. 

I previously requested verification of these records, but the credit reporting agencies did not provide official documentation from the bankruptcy court. Instead, they verified using third-party databases, which is not sufficient under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, Section 605 ( a ), only accurate, verifiable, and complete information may be reported. Because these bankruptcies are being reported incorrectly and can not be properly verified, I am requesting that these entries be removed immediately from my credit file. 

I request that the bureaus review the official bankruptcy court docket to confirm accuracy. If the records can not be fully verified, they must be deleted in accordance with 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing inaccurate public record information being reported on my credit file. My credit report currently lists multiple bankruptcies that are duplicative, inconsistent, and incorrect. Specifically, the reports are showing : Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX This reporting is inaccurate. I did not file multiple bankruptcies as reported, and these entries do not correctly reflect the official court record. The presence of duplicate and conflicting bankruptcy entries is misleading and severely damaging to my credit profile. 

I previously requested verification of these records, but the credit reporting agencies did not provide official documentation from the bankruptcy court. Instead, they verified using third-party databases, which is not sufficient under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, Section 605 ( a ), only accurate, verifiable, and complete information may be reported. Because these bankruptcies are being reported incorrectly and can not be properly verified, I am requesting that these entries be removed immediately from my credit file. 

I request that the bureaus review the official bankruptcy court docket to confirm accuracy. If the records can not be fully verified, they must be deleted in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX, XXXX  XXXX Late Dates : XXXX, XXXX  XXXX XXXX Late Date : XX/XX/year> & XXXX XXXX XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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