vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Activehours
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I initiated a withdrawal of {$200.00} from my EarnIn/XXXX XXXX account to my checking account. At the time of the withdrawal, the app clearly displayed an expected completion date of XX/XX/year> at XXXX XXXX. 

I relied on this timeline. However, after I raised a complaint with customer support, the completion date in the app was changed to XX/XX/year> at XXXX XXXX  without notice or explanation. This change occurred only after I asked about the delay. 

When I contacted support again, I was told the delay was due to time zones and ACH processing. This explanation does not address why the system originally showed XX/XX/XXXX, then moved it backward to XX/XX/XXXX after my inquiry. 

This practice is misleading and undermines transparency. Consumers should be able to trust that the completion dates shown in the app are accurate. Changing the date after a complaint creates confusion and financial harm, as I planned around the XX/XX/XXXX availability. 

I am requesting that the CFPB review this practice and require EarnIn/XXXX XXXX to ( 1 ) honor the dates initially displayed to consumers, ( 2 ) provide clear, accurate disclosures on transfer timelines, and ( 3 ) prevent retroactive changes to expected completion dates after a customer complaint. 

I have screenshots showing the pending withdrawal status and the updated completion date, as well as copies of my chat with customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-09-26 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: GA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
NOTICE OF FRAUDULENT ACCOUNT DEMAND FOR IMMEDIATE REMOVAL AND BLOCKING UNDER FEDERAL LAW This letter serves as my formal and lawful demand for the immediate removal, permanent blocking, and deletion of the fraudulent account listed as : XXXX XXXX XXXX Original Creditor : XXXX Account Number : XXXX Original Balance : {$2200.00} Date Opened : XX/XX/year> I did not authorize, apply for, open, or enter into any agreement related to this account. It is being fraudulently reported and is causing irreparable harm to my creditworthiness, financial standing, and legal rights. 

I am invoking my rights under federal and state consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Requires a credit reporting agency to block and remove any information that the consumer identifies as resulting from identity theft or fraud within XXXX business days after receiving a proper request. 

FCRA 611 ( 15 U.S.C. 1681i ) Mandates that all disputed information must be reinvestigated within 30 days, and if the furnisher can not verify with documented evidence that the account is valid and lawfully authorized, it must be deleted immediately.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers of information from reporting information they know or should know is inaccurate or fraudulent. Failure to comply constitutes a willful violation subject to legal action.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Explicitly mandates the blocking of information resulting from identity theft or fraud. You are legally required to cease reporting and block this account.

Uniform Commercial Code ( UCC ) 1-308 I reserve all rights without prejudice and do not waive any rights, privileges, or remedies under law by sending this notice.

UCC 3-501 Demands strict verification and presentment of any claim. If you can not produce a wet-ink signed contract bearing my signature and full agreement to the debt, your reporting is unlawful and constitutes fraudulent misrepresentation.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance Dispute inaccurate items on my credit report. Importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DOLLAR MUTUAL BANCORP
State: ID

Complaint narrative:
I received a letter from Dollar Bank dated XX/XX/XXXX that they charged off a balance of {$200.00} and the debt would be handled by Dollar Bank XXXX XXXX. 
I called the number provided and spoke with XXXX, who said there was a {$100.00} charge earlier in the year ( XXXX or XXXX ) to XXXX XXXX. XXXX XXXX is a XXXX site and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I asked all household members if they purchsed XXXX : no. 
I told XXXX I didn't authorize the charge. He escalated my complaint to superiors and when we next spoke, he claimed I called and accepted the charge. I never did. I asked him for transcripts or other records of the supposed phone call and he said they won't provide anything. 
I refuse to accept this charge also on the grounds that I historically made no purchases using the card for years prior to the XXXX XXXX charge. 
I opened the card in XXXX to pay for installing a new furnace. It was XXXX interest for XXXX  months and the furnace installer suggested we use Dollar Bank because they had a relationship for furnace installation customers. I didn't carry the card and never used it for other purchases. I made the last payment to pay off the furnace on XX/XX/XXXX. I thought of it only as a furnace program and since the furnace was paid off, we completetd our relationship with Dollar Bank. It didn't occur to me to cancel the account because I hadn't ever used the card. 
I moved out of state in XX/XX/XXXX. I received no statements form Dollar Bank when the purchase hit my account. This could be due to my move, but no mail was forwarded despite orders in place with the USPS. The first notice I got was the notice of charge-off. 
This was not my purchase. Thank goodness it was only XXXX charge. Also, all my other credit or debit purchases have never been to XXXX XXXX 
Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT bank XXXX ACCOUNT # XXXX, 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 604 A 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
Consumer complaint received 2025-09-26 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: MD

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Details of the Disputed Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record, Public Record INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY Details of the Disputed Inquiries Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX denied my identity theft claim because the information used on the bank account matches info on my credit profile. 

XXXX sent fraudulent accounts to collection. info matches because it was report on my credit. The checking accounts were open online with my info and only reason I knew they existed because claim for Ohio unemployment benefits were deposit into the chase account and my direct deposit was update to reflect chase account out of state adress that matches what is on closed chase accounts. 

I believe chase reversed unemployment deposit XXXX checking should have Oklahoma address I have only lived in Ohio attached you will see from Ohio unemployment that my direct deposit was change to chase so was the address. XXXX account were used outside the state of Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I understand the importance Dispute inaccurate items on my credit report. Importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financials own attorneys ( via XXXX XXXX XXXX, XX/XX/year> ) provided written assurances that Toyota would cease all negative credit reporting and remove any marks that had slipped through while settlement and arbitration were pending. Toyota then confirmed in its CFPB response ( Complaint ID : XXXX ) that my voluntary surrender was placed on hold due to litigation. 

Despite both commitments, Toyota reported my account negatively to the credit bureaus, damaging my credit. This reporting is factually inaccurate because : 1. Toyotas counsel already committed in writing to stop and reverse such reporting.

2. Toyota itself admits the surrender is on hold, which means no delinquency status should be applied.

I disputed the inaccurate reporting with the credit bureaus, but Toyota failed to correct it. The account status currently showing as delinquent is false, misleading, and in direct violation of Toyotas written commitments.

This is not a simple billing dispute it is Toyota disregarding its own legal promises and breaching both FCRA obligations and its counsels assurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because I am being pursued for debt collection accounts that do not belong to me. Several years ago, I was the victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. These accounts have since been reported to debt collectors, who are now attempting to collect on balances that I did not incur and do not owe. I have disputed these debts directly with the collectors and the credit bureaus, making clear that XXXX XXXX  not responsible for them. 
Despite my disputes and the fact that these debts stem from identity theft, collection activity has continued, causing harm to my credit, financial stability, and peace of mind. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent debts are removed, and that the collectors cease all further collection efforts against me. I can provide supporting documentation, including my prior identity theft report, correspondence with collectors, and evidence of my disputes, to verify that XXXX XXXX not liable for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation and Cease & Desist Complaint Caine & Weiner Dear CFPB, I am filing this complaint against * * Caine & Weiner * * regarding their reporting and collection activity on the following account : - Creditor : Caine & Weiner - Account Number : XXXX - Balance Reported : {$170.00} - Date Opened : XX/XX/year> - Status Updated : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Violation and Complaint * * I have not received any proper debt validation from Caine & Weiner despite my rights under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * *, which requires a debt collector to provide written validation of the debt upon request. Continuing to report or collect without validation is a direct violation of federal law. 
Furthermore, I have also requested that Caine & Weiner * * cease and desist all collection activity * *. Continuing to pursue or report this debt without proper validation constitutes harassment and unlawful collection activity.

-- - * * Fair Resolution Requested * * A fair resolution to this issue would be : 1. Immediate deletion of this account from all credit reporting agencies due to lack of validation.

2. Permanent cessation of all collection activities by Caine & Weiner.

3. Written confirmation that no further attempts will be made to collect or report this account unless full and proper validation is produced, in compliance with * * 15 U.S.C. 1692g * *.

-- - * * Conclusion * * The continued reporting and collection attempts by Caine & Weiner are unlawful and damaging. I respectfully request the CFPB to compel Caine & Weiner and the credit bureaus to correct this matter immediately. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have applied for a XXXX capital one credit card and was denied for a generic reason. 

Application ID : XXXX The reason ( s ) for our decision are : Based on your application information, Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage I am listed as an auth user on several accounts all in good standing and several years ago I was the victim of identity theft which was cleared up I have also had 3 payed off auto loans with capital one and I recently got another auto loan which is active and open. 

My history with capital one has always been great and I would like for whatever " Activity Observed '' prior be removed from my profile or at least a reconsideration be made given the rest of my positive history with this creditor.

Company response to consumer: Closed with explanation