vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: TX

Complaint narrative:
I am officially requesting the deletion of this incorrect account from my credit report, as I never gave permission for its creation or use. Attached are the necessary documents to support my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I found a credit inquiry from XXXXAscendLoans on my credit report. I never applied for a loan or authorized this company to check my credit. This inquiry was made without my consent. I contacted the company and the credit bureaus, but the inquiry remains on my file. I am requesting a full investigation and the removal of this unauthorized inquiry.

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 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a Complaint via the CFPB portal regarding Central Portfolio Control 's unauthorized use of text messages to my cellular phone. I also asked them to remove my number from their XXXX debt collection campaign. Central Portfolio received my complaint on XX/XX/year>, however, on XX/XX/year>, they texted me again after I requested in writing for them to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-21 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: Experian Information Solutions Inc.
State: TN

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a FTC Identity Theft Criminal Complaint from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information on my report must be accurate, complete, and verifiable. I ask that these late payment records be investigated, and if they can not be validated, that they be amended or deleted.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Credit and Collections Inc.
State: FL

Complaint narrative:
I found an inaccurate negative item on my credit report from unite credit & collection inc. i do not have a contract with UNITED CREDIT & COLLECTION. they did not provide the original contract as request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I got my back XXXX and went to XXXX XXXX for vacation had two days I paid for thru XXXX got there a day late and lost XXXX for the first night so I only had one night Thursday XX/XX/XXXX left. Talked to the night manager and paid XXXX cash for Friday the XXXX Saturday morning was having problems with b of America so asked XXXX who was working to give me a price for Saturday XXXX to Thursday the XXXX XXXX so I paid XXXX off my XXXX XXXX some off b of a and mostly cash. She gave me a receipt the next day. I got home and was supposed to leave in two days to visit daughter I hadn't seen for 13 years went to get cash at Bank of America for the train and my account was empty had a XXXX charge from the XXXX XXXX so I called them and they said they didn't charge me again. I disputed the charge and they gave me temporary credit and a few days later they said I didn't have enough evidence that the bill was paid. I sent them all my records from the hotel many times for 4 months all of a sudden they closed my account and sent a letter to all the credit companies that I was a risk on my checking account after they were defrauding me. So in XXXX I called the hotel again and XXXX the night manager said absolutely not they didn't charge me again. Then he sent me another set of records that the bill was paid and I sent them to B of As fraud department along with 13 other documents and a letter that stated I wanted my money refunded and if there was a problem they could call the hotel and speak to XXXX or XXXX. The next thing I know I had a side job check for XXXXXXXX XXXX XXXX XXXX that was returned and they closed my account and slandered me at all the credit bureaus. So I am still trying to get my XXXX dollars plus back.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to buy a house and I realize that I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report is a defamation to my character.

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 2025-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX automobile account that continues to appear inaccurately on my credit report. This account has already been disputed multiple times, yet no meaningful updates or verified documentation have been provided. 

Experian 's records fail to show a Date Closed, while XXXX reports a closed date of XX/XX/year>, even though the repossession occurred in XX/XX/year>. This inconsistency between bureaus demonstrates that the data furnished to your system is incomplete or unverifiable. Additionally, your file indicates that the account was charged off in XXXX XXXXmonths after the vehicle was repossessedand reflects a high balance of {$29000.00} updated in the same period, suggesting inaccurate account activity after repossession. 

This account falls under disputes dates of last payment, opened, first delinquency, billing, and closed, and disputes present or previous account status, payment history profile, and payment rating. These are the precise categories that describe the inaccuracies within your 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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial Services has mishandled my loan payoff in a manner that demonstrates serious internal control and operational failures. I submitted my final loan payment through ACH on XX/XX/2025, which Toyota acknowledged and confirmed as received. Shortly afterward, Toyota reversed the transaction without authorization, retained the funds, and began falsely reporting that the loan had not been paid off. Their own internal case documentation ( Case # XXXX ) shows acknowledgment that the payoff was received and that my title would be released electronically through XXXX XXXX system. Despite this, Toyota failed to process the payoff correctly, reversed the payment after confirming it, and has not corrected the error or released my vehicle title weeks later. This sequence of actions reflects poor handling of consumer payments, inconsistent account management, and an unacceptable lack of financial oversight. It also demonstrates potential violations of standard fiduciary practices regarding how loan payments are processed and recorded. Toyotas representatives have admitted to the reversal but have not provided a valid explanation for why the payment was not re-applied or why my funds have not been properly reconciled. Their failure to accurately apply and account for a verified loan payoff payment is a fundamental breach of consumer trust and raises serious concerns about their compliance with federal standards for fair and transparent servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of $ XXXX number XXXX you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : XXXX. The name of the original creditor. XXXX. A full itemization of the debt, including all interest, fees, and charges. XXXX. Documentation showing that I agreed to or am responsible for this debt. XXXX. Proof that you are legally authorized to collect this debt in my state. XXXX. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, {$1300.00} was withdrawn from my XXXX XXXX account via fraud. My XXXX account states that the money was withdrawn in XXXX transactions- XXXX for {$300.00}, and XXXX for {$1000.00}. I was not made aware of these transactions in any way. I contacted XXXX when I noticed it on XX/XX/XXXX ( as I did not recieve any text or email notifications ), and they refunded the money temporarily pending their investigation. Today, XX/XX/XXXX, XXXX took back the money and stated that the fraud was my fault, because they " did not find any fraud, '' stating that I " authorized the transactions. '' I did no such thing ; I have not used an ATM in years, and have not XXXX text to approve the transactions ( I have XXXX from XX/XX/XXXX, perhaps that is what they were referring to ) but none whatsoever from XX/XX/XXXX. The withdrawls were made in XXXX XXXX, Indiana, and I live in XXXX, IN ( XXXX XXXX that XXXX XXXX is approximately XXXX hours and XXXX minutes from my home ). I was not in XXXX XXXX, and did not authorize those withdrawls. I worked that evening, and was getting ready for work at my apartment when the withdrawls were made. They made no effort to check ATM security camera footage ( which would prove it was not me ), they did not tell me from what number the " authorization text '' would have come from, and continually stated that I " authorized '' the transactions when I did not. Chase Bank was cruel towards me, and stated that they would not do anything further for me. I worked hard in order to earn that money to put into my savings, and I'm devastated. I really need some assistance in this matter. Thank you so much for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filling a complaint against Capital One regarding the deceptive practices related tp their " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint because Midland Credit Management , Inc. ( MCM ) is misrepresenting its status as the original creditor for an alleged debt originally owed to XXXXXXXX XXXX XXXX XXXXXXXX. Midland is a debt buyer, not the original creditor, yet it has reported and represented itself as such to me and to the credit bureaus. This is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ) ) and Regulation F ( 12 C.F.R. 1006.34 ) requiring accurate disclosure and validation. 

Additionally, XXXX XXXX, XXXX has attempted to collect on the same account, even though both Midland and XXXX are debt collectors. One debt collector collecting on behalf of another debt collector is misleading, violates 15 U.S.C. 1692e and 1692f, and creates consumer confusion about who actually owns the account. 

I was never properly notified or provided full validation, including proof of ownership or a complete chain of title from XXXX XXXX to Midland. Despite this, the account continues to be reported negatively to credit bureaus. 

I request that the CFPB investigate these violations, require Midland to cease collection, and ensure all inaccurate reporting is deleted or corrected under 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer USA reported my auto loan as late for XXXX, XXXX, and XX/XX/year> after I was given incorrect payment information by their representatives. The vehicle was declared a total loss on XX/XX/year>. 

Santander confirmed in a written CFPB response dated XX/XX/year> that the late payments were reported in error, waived {$250.00} in late fees, and stated that corrected data was sent to all credit bureaus on XX/XX/year>. 

However, XXXX XXXX XXXX  show that Santander transmitted new data files on XX/XX/XXXX and XX/XX/year> that still included those same late-payment codes. As of XX/XX/year>, all three bureaus continue to display the account as late for those months. 

This means Santander is continuing to furnish inaccurate information despite acknowledging the error, and the credit bureaus have not corrected it. I am requesting that Santander immediately re-furnish corrected data showing the account current and that the credit bureaus delete the inaccurate late-payment history in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief