vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-20 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: FL

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXXDOFED # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 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 2025-06-20 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$99.00}.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Payment was made on XX/XX/XXXX in the amount {$560.00} and returned on XX/XX/XXXX due to routing payment from the wrong bank. I noticed my error and submitted payment again from the correct bank on XX/XX/XXXX and was posted to my account on XX/XX/XXXX. 

I was never late by 30 days. My payment was delayed by XXXX week, not by 30 days. I have emailed and called CapitalOne several times to rectify this matter, but no resolution. 

XX/XX/XXXX, my vehicle was in an accident and reported a total loss. The insurance carrier provided their payment for the loss and the coverage of GAP insurance has been paid as well. This is noted on the attachment I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-06-20 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: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-06-20 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report CHARGE OFF Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Im reaching out regarding some late payment information being reported on my Toyota Motor Credit account. My credit report shows multiple XXXX late payments, but this doesnt match my records or experience with the account. 
Ive had auto-pay set up for this account and rely on it to make sure payments are made on time. I havent received any communication from Toyota indicating that payments were missed or late, and I wasnt made aware of any issues. Because of this, I believe the late payment entries are inaccurate. I kindly ask that you review the account history, confirm the accuracy of the reporting, and correct any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XXXX, someone used my identity and opened Goldman XXXX apple credit card and they spent more than {$3000.00}. I did not know until I got statement bill sent to my house. I called apple and submitted a case. They did their investigation and completed it in XXXX. While they were doing the investigation, they told me to make payments towards the card because the interest keep adding on and they will refund all my money after they are done investigating. So Made a payment of {$2800.00} in XXXX. They took more than 1 year to finish investigating and finally sent letter to my house that I'm not liable for the card and i was a victim of identify theft. XXXX  also sent me a letter saying they removed the claim and i'm not liable for the card. Since XXXX I have been contacting apple and spoke with several managers asking for the money that I paid towards the card. First they told me to contact my bank and ask them to dispute, but my bank said it has been so long and they can not dispute it. Apple has to refund me. Then I contacted apple and they told me they will get back to me. I been calling them once every week to get my money back since XXXX. This is XXXX and I still did not get my money back. I sent letter to Apple Goldman Sacs official address to all the documents. They did not respond to me. I do not know what else to do. That's a lot of money and they are keep saying it will be refunded and every time i call them they just add more information and tells me samething. They not not helping me and trying to keep that money. It has been so long and I am a lower middle class woman, I can't afford to lose that money. I am helpless. Please help me. Please review the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-20 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist kept denying to send me my check after my account was closed due to me being scammed from thinking I got a work from home job that was being advertised on indeed. Everything I would call up to Truist and speak to customer service and a supervisor they would lie and say that they had no records of me asking for my check that is due to me of the remaining money that was in my account. I live back home in XXXX now and not XXXX and now all of a sudden they're telling me that they sent out the check in XXXX of XXXX, mind you I've been going back and fourth with them since XXXX of XXXX. The supervisor hasn't been a help since then nor customer service. The other day after being on the phone with them and experiencing horrible customer service from them and their supervisor still they finally emailed me a declaration of loss after going back and fourth with them again. I signed over the documents and got it notarized and sent the documents back over and they sent me an unprofessional email about the situation. I'm aware that it's only {$55.00} but this is America and I'm an American, born and raised. In what world is a bank able to get away with this? Every dime counts and prices on things are going up. The supervisor and customer service people have been very dismissive and nonchalant and I want this take care of! How is it that my account was closed XX/XX/XXXX and I've been trying to get my money since then and they claim they sent the check out 7 months later XXXX of XXXX * only because I called them last week is how I found out ) and now I'm being spammed with unprofessional emails from them at all different times of late nights.... im talking XXXX basically of them playing in my face with my checks they owe me. This needs to be taken care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I called them because I am sick of all the fees and interest. I have had the card over XXXX  months and its gone nowhere. I have given them over XXXX and the card is still stuck at XXXX never moved. Than you pay XXXX a month for nothing because you go to use it and they find every way to deny you. My doctor filled out everything he was suppose to and they keep denying it I asked them if they could like help me out and they wont. They just want money. And soon XXXX have to Pay the XXXX annual fee. Im about ready to let it go to collections I live off 1000 month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX Lexus XXXX from XXXX Lexus of XXXX XXXX and financed it with the inclusion of a Lexus Extra Care Platinum Used Vehicle extended warranty, costing {$2600.00}. I was clearly informed and have documentation that the Platinum plan for used vehicles begins from the purchase date, offering XXXX XXXX XXXX XXXXXXXX miles, whichever comes first. Based on my purchase date ( XX/XX/XXXX ), this coverage should have lasted until approximately XX/XX/XXXX, or until I drove XXXX additional miles from the purchase mileage. 

I only discovered in XX/XX/XXXX, when I attempted to use the warranty, that no valid coverage had been applied. Lexus Warranty Services confirmed that the plan was never activated properly and that the dealership would need to resolve the issue. Until then, I was unaware that I had been paying for a service I wasnt receiving.

After I confronted the dealership, the finance manager claimed I had a Gold plan, which I had never agreed to, signed for, or seen before. He said it had already expired. However, I have documentation for a Platinum Used Plan, and that is what I was charged for. The dealership applied the plan incorrectly from the vehicles in-service date ( XX/XX/XXXX ), and only provided XXXX miles of coverage ( based on the vehicles mileage at the time of purchase ), not the XXXX miles I paid for. This was done without my knowledge or consent. 

I also extended my loan to 76 months solely to afford this plan. Without the warranty, I would have chosen a XXXX term. Ive paid interest on a misrepresented product, and the dealership has refused to issue a refund or correct my loan despite admitting that aftermarket products are cancelable. 

I submitted a final demand asking for : Full refund of the plan Refund of estimated in interest paid extra ( 7.29 % XXXX over 46 months ) Recalculation of loan based on a XXXX term Acknowledgment that I was sold and signed for a Platinum plan, not a Gold plan I am requesting CFPB assistance to secure a full refund and loan adjustment for a product I paid for but never received in the form promised. This situation has caused financial harm and was only discovered when I attempted to use the coverage and was den

Company response to consumer: Closed with explanation