vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize these accounts, nor am I aware of their source. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Please find the attached documents for your review. Additionally, the account details being reported differ between the bureaus and contain errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On multiple occasions, I have made deposits for my friend, who uses a walker, and I'm experiencing trouble understanding the tellers at the drive-up speakers due to the accents involved, as well as the poor sound quality. I've been told I have to be patient with the employees with the problematic accents and when I called to speak with the manager I was put on hold and hung up on after 10 mins. 

Th bank in question is : TD Bank @ XXXX XXXX XXXX. XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have unauthorized credit inquiries from companies I dont recognize and didnt give permission to run my 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 explanation
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I Do not recognize this address please remove and thank you. 
XXXX XXXX XXXX, XXXX XXXX, La, XXXX XXXX XXXX XXXX, XXXX, La, XXXX XXXX XXXX XXXX, XXXX, La, 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Yesterday I was contacted by XXXX XXXX XXXX I got back in touch with them by phone they informed me they had the account from original creditor XXXX in the amount of {$2000.00} placed with them for collections. I places a ceased and desist with them on the accounts. Today I recieve an email from Halsted financial trying to collect the same debt under the same original account number and for the same amount of {$2000.00} both say the new credit owner is XXXX XXXX XXXX XXXX XXXX XXXX is having 2 different collectors attempting to collect the same debt at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My complaint stems from severe financial hardship and lack of transportation due to a deceptive vehicle purchase and the dealership 's ongoing refusal to resolve issues. 

The ordeal began on XX/XX/XXXX, when my XXXX XXXX XXXX XXXX was held for XXXX months by XXXX XXXX 's service department for repairs. They refused a loaner, forcing me to incur over {$10000.00} in rental fees during that period. Due to this prolonged vehicle absence, I was pressured into trading the XXXX ( XXXX ) for a used XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX on XX/XX/XXXX. 

The XXXX  became inoperable just hours after purchase and has been continuously out of service at a XXXX-authorized facility for XXXX  days to date ( since XX/XX/XXXX ), due to persistent electrical problems ( multiple repair attempts ). XXXX XXXX XXXX has denied my Lemon Law claim. 

My total rental expenses for both vehicles now exceed {$15000.00}. I am unfairly paying $ XXXX  monthly for a loan ( ending in XXXX ) on a vehicle I can not use, causing severe financial distress ( rent arrears, other mounting debts, risk to my livelihood ). 

During the XXXX  purchase, XXXX XXXX used confusing and misleading advertising, promoting the vehicle online for {$22000.00}, but charging a final selling price that was {$6900.00} higher than advertised. The General Manager also verbally claimed a " rate buydown '' that was never documented or reflected in my high XXXX  % APR. 

The dealership has refused to provide rental reimbursement or a replacement vehicle. They have also failed to send necessary financial repair approvals to the XXXX XXXX XXXX, and have denied my requests to speak with the owner. Furthermore, the Vehicle History Disclosure I signed stated " NO PRIOR DAMAGE, '' which directly contradicts the vehicle 's immediate breakdown and its documented history of multiple battery replacements ( as shown on XXXX ). 

I seek a comprehensive resolution, including unwinding this loan, full reimbursement for all incurred expenses, and compensation for lost income/distress, with the assurance of securing a functional replacement vehicle before any loan cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 have recently become aware of XXXX accounts due to a XXXX XXXX Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-03 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: CA

Complaint narrative:
I have recently become aware of XXXX accounts due to a XXXX XXXX Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute this collection as it is the result of identity theft. I never received notice of this debt before it was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I purchased a smartphone on XXXX on XX/XX/year>, and paid for the order the same day. The item was shipped via USPS ( tracking number : XXXX ) and delivered on XX/XX/year>. Upon receipt, I discovered the smartphone was defective. 

On XX/XX/year>, I contacted the seller to report the defect and requested a return label. The seller provided a prepaid XXXX return label through XXXX ( tracking number : XXXX ). On XX/XX/year>, I handed the item along with the packing slip to the XXXX carrier for return. 

On XX/XX/year>, I received a message from XXXX stating I should receive a refund. However, when I contacted XXXX customer support, I was informed that my XXXX account was suspended without clear explanation and that I am no longer eligible for the refund. 

I followed all return procedures correctly, used the official return label provided by the seller through XXXX, and have not violated any XXXX policies. The return shipment was not delivered to the seller due to issues with the carrier chosen and paid for by the seller. 

I opened a dispute with PayPal ( case XXXX XXXX XXXX and provided all evidence of the return shipment and tracking information. PayPal closed the dispute on XX/XX/year>, stating the package was not delivered and refused to refund me. PayPal advised me to contact the carrier, even though the shipping method and label were provided and paid for by the seller.

According to PayPals Buyer Protection policy, if the seller provides the return label, the buyer is not responsible if the package is not delivered. I am left without the item and without a refund. 
I am requesting that PayPal reopen and review this case according to their buyer protection policy, and assist me in recovering the refund I am rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
This number keeps trying to contact me regarding debt my mother in law owes. I looked up this number and people have consistently had this same problem. ( Being contacted about a family members debt. ) I am choosing not to deal with the company because this is obviously a tactic they do on purpose, considering so many have had the same issue. 

XXXX is the number they called me on. XXXX Is the number they told me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
I signed up for a Cash App account and provided highly sensitive personal information, including my Social Security number and a photo of my government issued ID. After completing the verification process, I attempted to request a physical debit card through the app. Each time I tried to submit the request, I received an error message stating, " An unexpected error has occurred ''. I attempted this process four times with accurate, verified information and still got the same error. I then contacted Cash App support, followed all troubleshooting steps they provided, and still received the same error. At this point, I made the decision to close my account through the app and received a confirmation message thru phone text that the account was closed. I then deleted the app from my phone. However, I am now attempting to ensure that my personal data is fully deleted from their servers-including my SSN, photo ID, mailing address, and all other personally identifiable information ( PII ). I attempted to follow their official deletion request process, but Cash App does not accept email requests and requires users to communicate through the app-which I no longer have access to. This creates a privacy and legal concern, as I am being prevented from exercising my right to request full deletion of my personal data under consumer protection and privacy laws. Attempts to call Cash App support were unsuccessful, I was either given generic information or rerouted without resolution. 

I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX which resulted in several vague and unhelpful responses from Cash App. Despite multiple messages, they still have not confirmed by email or regular mail, that my personal data has been fully deleted from their servers. I have repeatedly and clearly asked for this confirmation via email or mail, but they continue to avoid directly answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each XXXX transaction and XXXX  account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
I moved to a new XXXX which requires a transfer of the title from the original XXXX to the new XXXX  The request for this transfer started in XXXX, being rejected twice before being accepted XX/XX/year>. The company stated this transfer would take up to XXXX weeks. As of XX/XX/year> this issue is still unresolved. I've contacted them XXXX times through XXXX calls attempting to move the issue forward. On the XXXX call, dated XX/XX/year> ( approximately XXXX weeks after the initial request ), I was told they suspected the title was lost and would request a duplicate which could take an additional XXXX weeks. I was instructed to call the following XXXX  after their duplicate title request was approved and request a letter XXXX XXXX that I could provide to the XXXX in order to get a temporary tag for my vehicle as the registration has expired at this point. I waited XXXX weeks to ensure the request was completed and initiated the XXXX call. On this call, dated XX/XX/year>, I was given no update and told that a letter XXXX XXXX could not be provided. My complaint is that the loan service ( Bridgecrest ) is taking far too long in resolving the issue when is it time sensitive and can result in me paying fines do to XXXX XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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