vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear TransUnion Dispute Department I, XXXX XXXX XXXX, am formally disputing XXXX unauthorized hard inquiries listed on my TransUnion credit report. These inquiries were made without my consent, knowledge, or approval, and are the direct result of identity theft. 

Inquiries in Dispute : XXXX  XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX I did not initiate any credit applications with the entities above. I am submitting this complaint along with my official FTC Identity Theft Report, which verifies that I am a victim of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally required to block and delete any information resulting from identity theft within XXXX ( XXXX ) business days of receiving appropriate documentation. This includes all related inquiries. I am not requesting validation. I am demanding the immediate and permanent removal of these unauthorized inquiries from my credit report. 

FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : No entity may access a consumers credit report without permissible purpose or authorization.

15 U.S.C. 1681c-2 : Requires blocking of all identity-theft-related data upon receipt of documentation.

15 U.S.C. 1681i : Requires deletion of unverifiable or inaccurate data. 

Attached Supporting Documents : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of address Please confirm the removal and provide me with an updated copy of my XXXX  credit report reflecting the deletion. Failure to act will constitute a violation of federal law and will be escalated accordingly. 

Sincerely, 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were fraudulently opened without my knowledge or consent. I respectfully request their prompt removal from my credit report under 15 U.S.C. 1681g, with supporting documentation provided for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Global Lending Services LLC
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
The link to the Home Depot credit card website run by Citibank does not work online or by scanning the XXXX code on the back of the card, and it has been like this for at least a month. It says " Our server generated some error ... '' When I called to try to figure out how to fix this, the only resolution they suggested was to basically delete all of the browsing history and passwords for all of my accounts on XXXX XXXX. I was unwilling to do this, so I tried XXXX. It also did not work. I also tried to login on by my phone using the XXXX code on the back. It did not work. They are basically making it impossible to pay my promotional balance on time so that they can charge me XXXX XXXX interest on that balance.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was sent money for goods. I shipped it out the customer then charged back. Paypal ruled in my favor letting me keep the money as i sent out the goods. They then locked my account. I made a complaint and i recieved a email from a representative saying i will be able to withdraw on or before XXXX XXXX. Today on XX/XX/year> i recieved a email saying i can withdraw. When i go on Paypal to withdraw my funds it is not letting me add a payment method to withdraw to after sending me a email saying the funds are eligible to withdraw. I have been waiting months and I find this very ridiculous

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-06 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: TX

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year>

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

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$680.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$200.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX * * * XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$740.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$14000.00} Inquiries XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX  # XXXX Date : XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX Date : XXXX XXXX  XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX Date : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$430.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I opened a XXXX XXXX ( XXXX XXXX ) in XXXX XXXX. After updating my mailing address in late XXXX, I finally received and activated my card on XX/XX/year>. On XX/XX/XXXX, the card was declined twice when I tried to use it. I called customer service and was told that a fraud alert was triggered due to the address update, and my card was blocked without any prior notice. 

I was instructed to upload my ID for verification and told the block would be removed within XXXX hours. I uploaded my ID XXXX times, but the card remained blocked all day. I called again and was told it could take up to XXXX  days, despite already uploading my documents. On XX/XX/XXXX, the card was still unusable. I was even hung up on by XXXX XXXX Another rep confirmed my documents were received but not reviewed. 

This card was supposed to be used for my XXXX  birthday weekend, and I was left with no access to credit. This has caused serious financial hardship and emotional stress. The annual fee was waived, but that does not make up for the inconvenience.

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

Complaint narrative:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year> and noticed somethings are incomplete and inaccurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY

Complaint narrative:
I have disputedntge following account several times with XXXX XXXX and XXXX and XXXX and XXXX has deleted it from my credit file but XXXX  keeps reporting this account with several inaccuracies and trying to say I haven't made the first payment in the remarks section but I have paid over 11 percent of the loan and the car was repossessed and sold at an auction.acount name is Toyota mtr account number is XXXX with a balance of XXXX XXXXXXXX original loan amount was for {$30000.00} and I made payments all the way up until I was diagnosed with XXXX XXXX XXXX XXXX over 11percent of the loan.invthe remarks section the creditor says I never made the first payment which is false.itvis also reporting as an open account in collection/chargeoff status.in the payment history it is saying I was late 30days 1 time 60days 1 time and 90ndays 3times which is inaccurate.creditor is reporting several inaccurate inconsistent information to XXXX  and I would like to have the account deleted from my credit report like XXXX  and XXXX  has done.also they are are the last payment was made XX/XX/2022 also says the first payment was never received.delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday, I attempted to withdraw cash from a Bank of America ATM. The machine malfunctioned and displayed a message saying the transaction was reversed and that I would receive a credit for the expected withdrawal amount. 

I did not receive the cash, and the money was not returned to my account. I called Bank of America on Monday to initiate a dispute. However, despite explaining that I never received the funds, the dispute was canceled without resolving the issue. 

I have explained to the bank multiple times that I urgently need this money to pay my rent, which is increasing due to the delay. It is extremely unfair that I now have to reopen the dispute and wait even longer for funds I never received due to a machine error. 

I am requesting the CFPBs assistance in resolving this matter quickly and making sure Bank of America takes responsibility for their faulty ATM and the unfair handling of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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