vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX handling of a fraud claim involving unauthorized transactions on my Target credit account ending in XXXX. Despite providing substantial proof of fraud and identity theft, Target has denied my claim without conducting a reasonable or thorough investigation. 

Between late XXXX and XX/XX/year>, multiple unauthorized transactions occurred on my Target credit account. I discovered these charges on XX/XX/year>. I immediately contacted Target to report the fraud, as I had not received my replacement card that was set to expire in XX/XX/year>. Target concluded the investigation on XX/XX/year> and advised that my PIN and chip were used, I called in to request a PIN change, and that I authorized the transactions by entering said PIN. Target concluded that all of this activity indicated my authorization. However, I never received my replacement card ending in XXXX. During a conversation with a Target fraud XXXX I was informed that because the fraudulent transactions occurred so close to the cards expiration date, it is likely the fraudster obtained the replacement card. Therefore, the use of chip-and-PIN technology does not prove authorizationit only confirms that the perpetrator gained possession of both the card and the PIN, neither of which were provided by me. 

I also never changed my PIN or authorized any changes to it. On XX/XX/year>, a fraudulent caller contacted Target and changed both the PIN and the phone number associated with my account. That date also marks the beginning of the unauthorized activity. The correct phone number on my account is ( XXXX ) XXXX, but XXXX records show it was changed to ( XXXX ) XXXX. A copy of a XXXX report was submitted to Target to show that the number ( XXXX ) XXXX belongs to an individual other than myself. Furthermore, I also submitted a copy of my own XXXX report showing that my legitimate number ( XXXX ) XXXX is the only one that registers back to me. These changes clearly demonstrate an account takeover, not authorized use and it clearly shows that I did not change my pin or I did call Target on XX/XX/year>. Despite this, XXXX system accepted that number as verified and permitted sensitive account changes without additional authentication. This lapse in verification procedures directly enabled the fraudulent access and unauthorized transactions that followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-27 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-27 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: LA

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 2025-10-27 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: SC

Complaint narrative:
I am writing to file a formal complaint against several creditors and furnishers for reporting inaccurate and misleading information to the credit bureaus. These inaccuracies have negatively impacted my credit profile and do not reflect my true payment history or personal information. 

Below are the specific inaccuracies I am disputing : Address Error : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This address is incorrect and does not belong to me. I request its immediate removal from my credit report as it XXXX indicate a mixed or erroneous file. 

XXXX CARD Account Number : XXXX High Balance : {$650.00} Open Date : XX/XX/XXXX Issue : This account is being reported as a Charge Off, which is inaccurate. I dispute the completeness and accuracy of this reporting. Please verify this account with proper documentation as required by the Fair Credit Reporting Act ( FCRA ) 611. 

XXXX XXXX XXXX Account Number : XXXX High Balance : {$36000.00} Open Date : XX/XX/XXXX Issue : Reported Late Payments are incorrect. I have documentation to support timely payments and request a full investigation and correction under FCRA guidelines. 

XXXX Account Number : XXXX High Balance : {$16000.00} Open Date : XX/XX/XXXX Issue : This account is inaccurately marked as a Charge Off. This reporting is damaging and unsubstantiated. I request written verification of the debt and correction of all false information. 

XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX High Balance : {$6800.00} Issue : Reported Late Payments that are not valid. I request CFPB assistance to ensure this furnisher provides proof of these alleged delinquencies. 

Each of these entries violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ) and 607 ( B ), which require accurate and verifiable reporting of consumer information. I am requesting that these entities conduct proper investigations and provide written verification of the data they are furnishing. If they can not validate the information, these accounts and addresses should be immediately deleted or corrected. 

Please assist in ensuring these creditors comply with federal law and that my consumer credit file is updated accurately. The continued reporting of false or unverifiable information is causing ongoing harm to my credit reputation and financial opportunities. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-27 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account 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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My vehicle was repoed and I made a payment for XXXX was told to call with the confirmation number and I would get a release but they have not done anything I keep calling and calling and nothing is going on. This is Toyota Financial Services! I get told all different things when I call and it's very frustrating! If you pull all the recorded call you will see I'm percent RIGHT IN MY COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am reporting multiple accounts appearing on my credit report that I never opened, authorized, or managed. These entries are inaccurate and misleading, and they falsely portray my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused significant concern, disruption, and measurable harm to my creditworthiness.

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 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
On XX/XX/2025 we tried to contact the agency 3 times requesting legal documents that proved that we own the debt. We explained that I had XXXX XXXX and that the debt was already paid and the documents were sent to the previous collection agency. All the XXXX  bills were paid by XXXX XXXX. When we asked legal documents that proof that the agency had the right to collect the debt and legal documents that proof that I own the debt they kept hanging up the phone on us. They keep threatening me with letters. They wont stop sending them but they wont answer my call nether this has become harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
This complaint is intentional and addresses false and inaccurate information on my credit report. These inaccuracies are causing undue XXXX  and negatively impacting my financial standing.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
My house is scheduled to go to auction on XX/XX/2025 under a VA loan with XXXX XXXX and Investment.I called them on XX/XX/2025 to notify them that i am a federal employee working for XXXX but currently furloughed without pay and awaiting VA XXXX claims. I simply requested if i am asked to leave the residence to delay until i have suffcient income by XXXX either the goverment reopening and i recieve my retro active pay to find another place to live or two get va XXXX rating pay that should process in the coming weeks. They flatly refused and i also advised that i have XXXX other family members in the house one being a XXXX XXXX XXXX. They also previousy denied my loss mitigation acceptance under the VA under the XXXX and the newer program.

Company response to consumer: Closed with explanation