vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked I had been the victim of identity theft. I do not recognize these accounts. Please remove it from my credit report because they are hurting my ability to obtain credit.

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 2025-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: CT

Complaint narrative:
On XX/XX/year>2024 before the deadline, I submitted a claim on the Optum Bank XXXX XX/XX/XXXX I included receipt attachments. 

Checking on on the site before tax time and wondering why I have received no update on my claim .... there is no evidence of a claim at all, which is disasterous for my finances now if the expiration of 2024 funds available has come and gone. I believe the website made an error which has prevented my from getting the funds I am entitled to use for expenses for my daughter 's after school program ( s ). 

It is not fair for a technical glitch or other similar issue to cost me funds past the expiration period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Ive tried to open a business open with a few banks, and is being told to contact XXXX XXXX and the Chex system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; Reported Name : XXXX XXXX Reported Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Reported SSN/ID : XXXX Driver 's License : State : Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$400.00} Closure Status : UNPAID Closure Status Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : Telephone Number Not Available Reported For : OVERDRAFTS ; REPORT IS DISPUTED BY Date of Closure : CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; XX/XX/XXXX Reported Name : XXXX XXXX XXXX # : XXXX / Reported Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Charge Off Reported SSN/ID : XXXX Amount : {$64.00} Driver 's License XXXX State : Closure Status : UNPAID Closure Status Date : XX/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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v graven ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$360.00}

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Re : Dispute of Insurance Proceeds Disbursement & Lien Retention Vehicle : XXXX Toyota XXXX XXXX : XXXX Account # : XXXX Claim # : XXXX Insurance Claim # : XXXX Lemon Law Case # : XXXX ( XXXX XXXX XXXX Court ) To Whom It May Concern, I am writing in response to Toyota Financial Services most recent statement from XX/XX/XXXX regarding the total loss of my XXXX Toyota XXXX  and the handling of insurance proceeds. I wish to clarify and assert the following : *No Reaffirmation Agreement Was Signed* I never reaffirmed the loan with Toyota Financial Services in my XXXX  XXXX bankruptcy proceedings. The debt was included in the bankruptcy and fully discharged on XX/XX/XXXX. Without a signed reaffirmation agreement filed with the court, I am not personally liable for this debt. 

*Lemon Law Case Was Pending at the Time of Total Loss* The vehicle was part of a pending lemon law lawsuit in XXXX XXXX XXXX Court ( Case # XXXX ). This case remained active until XX/XX/XXXX, and was dismissed without prejudice five days after the total loss occurred on XX/XX/XXXX. The existence of this ongoing legal action further complicates Toyotas claim to the full insurance proceeds. 

Dispute of Full Disbursement to Toyota Based on the bankruptcy discharge and the unresolved lemon law litigation at the time of the loss, I dispute Toyota 's right to receive 100 % of the insurance proceeds. I am requesting : A full accounting of the remaining secured balance Toyota claims as of the date of loss. 

Confirmation that any excess proceeds from the insurance claim will be returned to me as the policyholder. 

Immediate release of the lien, or an explanation of why it is being maintained post-discharge without reaffirmation. 

This letter is also being submitted to the CFPB as part of my active complaint and dispute regarding the disbursement of funds and lien release.

Should Toyota Financial Services believe otherwise, I request documentation proving the existence of a valid and court-filed reaffirmation agreement. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt. I an requesting the 1099c if its not provided i a demand to remove this off my collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 2. Johnson v. Wells Fargo Bank, N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Accounts : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing a Bank of America account ( Account # XXXX ) listed as a charge-off on my Experian credit report. This account was opened in 2017 and closed years ago. The date of first delinquency places it well within the timeframe for early exclusion, yet Experian continues to report it despite multiple disputes.

I have sent documentation, proof of address, and a formal dispute letter requesting verification or removal. The account was also closed at my request, and I have not received any updated verification or correction.

This inaccurate and outdated reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate and assist with having this account removed due to the age and nature of the derogatory information.

This account is preventing me from qualifying for a car loan, which I urgently need.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, This account was charged off on XX/XX/XXXX, then XX/XX/XXXX. Also XX/XX/XXXX is inaccurate. 
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following Account : XXXX XXXX XXXX Account number : XXXX As per the Fair Credit Reporting Act

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted multiple formal disputes to Experian requesting the removal of inaccurate personal addresses and a reinvestigation of a charge-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX ). Despite providing documentation and an affidavit confirming my correct address, Experian failed to remove outdated and incorrect information that is tied to negative accounts. Additionally, I requested validation of the XXXX XXXX  account under the FCRA, FDCPA, and applicable Illinois statutes, but the documentation provided was insufficient and noncompliant. Experian continues to report this unverifiable debt, causing measurable damage to my creditworthiness. This ongoing inaction violates FCRA 1681e ( b ) and 1681i, as well as my consumer rights under Illinois law. I am now escalating to regulatory authorities due to Experians failure to respond adequately and lawfully.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX Chase placed my account under review and restricted access to my funds without warning. I attempted to withdraw money and received a vague message stating my account was being reviewed, but no specific explanation was given. I contacted Chase support multiple times requesting clarification, a timeline, and documentation explaining why this action was taken, but I received no helpful answers.

This freeze has caused serious disruption to my ability to meet financial obligations. I believe Ive acted in good faith, and I deserve transparency, accountability, and access to my money unless there is documented legal justification for the hold.

Im requesting the CFPBs help to get Chase to ( 1 ) explain the reason for the review, ( 2 ) provide an expected timeline, and ( 3 ) release the held funds if there is no substantiated cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Struggling with a XXXX has significantly impacted my financial stability, making it impossible for me to meet my student loan obligations. The challenges I face daily limit my ability to work consistently or earn a sufficient income, resulting in overwhelming stress and anxiety about my financial future. Despite my efforts to seek assistance and explore repayment options, the burden of student loan debt continues to loom large. I hope for understanding and support from creditors as I navigate this difficult period, seeking solutions that can alleviate the pressure and allow me to focus on my health and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Transform Credit Inc.
State: TX

Complaint narrative:
This correspondence serves as my final written warning and legal demand regarding the continued, unlawful reporting of a fraudulent account by Transform Credit on my TransUnion credit file. Despite multiple disputes, supporting documentation, FTC reports, and formal written demands clearly showing that this account is fraudulent, was created without my knowledge, authorization, consent, or participation, and is unsupported by any legal verification, you continue to knowingly report false and damaging information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable statutes. Furthermore, I have been a confirmed victim of identity theft and was also affected by a data breach by the credit agency itself, which increases your liability for this misreporting. 
FACTS : I did not authorize, apply for, verify, or receive any funds or services from Transform Credit.

My phone number on record is ( XXXX ) XXXX I never received any verification call or contact regarding this loan. 
The account was previously removed and has now been illegally reinserted without proper reinvestigation or notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The account is not being reported by Equifax or Experian, which further proves the lack of valid verification.

The continuous reporting of this account constitutes willful defamation, negligent misreporting, and deliberate injury to my creditworthiness.

APPLICABLE FEDERAL STATUTES YOU ARE IN VIOLATION OF : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly reporting inaccurate information is unlawful.

15 U.S.C. 1681i Failure to conduct a proper reinvestigation and permanently delete unverifiable information.

15 U.S.C. 1681c-2 Mandatory blocking of information resulting from identity theft upon notice.

15 U.S.C. 1681n & 1681o Liability for willful and negligent noncompliance, including statutory damages of {$1000.00} per violation, punitive damages, and attorneys fees.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) Reporting information known to be false.

Internal Revenue Code 6050P Reporting a charged-off debt as collectible without issuing a 1099-C is fraudulent and misrepresents the legal status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX charged off my XXXX account, but they continue to report a balance as if the account is still active. The account does not show a {$0.00} balance or indicate that it was sold or transferred, which is required by law. This is a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) for furnishing false and misleading information. The tradeline is inaccurate, misleading, and causing ongoing credit damage.

I am demanding : Immediate deletion of this tradeline from all consumer reporting agencies {$2000.00} in compensation for continued credit damage, emotional distress, and willful reporting violations A written confirmation that I will not be required to sign any NDA, release, or non-disparagement clause Under FDCPA 808 ( 6 ), it is unlawful to require a consumer to waive their rights as a condition of resolution. I reserve my full right to pursue legal, public, and regulatory remedies if this is not corrected in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX charged off my XXXX account, but they continue to report a balance as if the account is still active. The account does not show a {$0.00} balance or indicate that it was sold or transferred, which is required by law. This is a violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) for furnishing false and misleading information. The tradeline is inaccurate, misleading, and causing ongoing credit damage.

I am demanding : Immediate deletion of this tradeline from all consumer reporting agencies {$2000.00} in compensation for continued credit damage, emotional distress, and willful reporting violations A written confirmation that I will not be required to sign any NDA, release, or non-disparagement clause Under FDCPA 808 ( 6 ), it is unlawful to require a consumer to waive their rights as a condition of resolution. I reserve my full right to pursue legal, public, and regulatory remedies if this is not corrected in full.

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