vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MS

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX EMP - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MS

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX EMP - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN BUSINESS CRED Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
Toyota Financial Services are charging me {$1100.00} that did not happen. I did a voluntary surrender of the vehicle to Toyota Dealership in XXXX WI. I called Toyota to get this removed and they refused so I asked for paperwork of the repossession and I got hung up on. Apparently, they don't have any paperwork because it was never repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Experian keeps on adding an address as my primary residence I have never lived at nor have I given anyone permission to use my information to attain that residence. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They stated that they came back with sufficient information that I have ties to that address and it will remain on my credit report. I was advised to file a claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Unauthorized hard inquiry SOFI BANK NA ( Bank ) XX/XX/year> Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
XXXXI purchased a new XXXX Nissan XXXX  from a local Nissan dealership May XXXX XXXX The purchase was financed through Nissan Finance. At the time of purchase I was told that I could only make an initial down payment of XXXX The dealer told me that once my account was set-up at Nissan Finance I would be able to make a larger principal payment to reduce the amount of interest that I would owe. My first payment was made on XXXX XXXX XXXX I also made a separate principle only payment the same day.  Both payments were made on the NMAC website and the account assigned to me. On XXXX XXXX XXXX I attempted to make my next monthly payment but my account had been closed by Nissan and I was unable to make a payment online.  I contacted the only number available to NMAC customers XXXX XXXX. After waiting on hold for 30 mins to reach a representative to explain my issue, I was put on hold another 36 mins. When the representative returned to the phone I was told to call back in 2 days. I asked to speak to a supervisor and the escalation manager came onto the call. They assured me they call me back within two days with resolution. After multiple calls to NMAC over the past four months no one has yet contacted me from NMAC.  I still had bank routing set-up so I wired my XXXX XXXX XXXX XXXX XXXX to NMAC.  The transfer was rejected by NMAC and a check was mailed back to me. I called NMAC again on XXXX XXXX and again on XXXX XXXX XXXX.  I was told on XXXX XXXX that the problem would be resolved in 21 days. On XXXX XXXX my account was still closed and no way to make payments. When I called NMAC again I was told that I just needed to wait longer and that there was no one else at NMAC that I could contact to resolve the issue. I have received notice from NMAC that my loan has been paid in full on XXXX XXXX XXXX  I contacted South Carolina DMV and they will not release the title to me due to a lien on the vehicle.   I need NMAC to communicate accurate payment history and a method to pay any remaining balance. I also need a commitment to remove the lien on the vehicle so I can obtain the title.   I have been attempting to get this resolved with NMAC for almost four months and they will not communicate with me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau concerning unlawful and inaccurate reporting practices on my credit file. 

The account in question is ELAN CACS CC XXXX XXXX XXXX XXXX  opened on XX/XX/year>, with a reported balance of {$1200.00}. * * This account has been reported inaccurately and continues to remain on my credit profile in violation of my consumer protection rights. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies and furnishers are legally obligated to ensure that all information they report is accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681i requires that when a consumer disputes the accuracy of an item, a reasonable reinvestigation must be conducted and the inaccurate information must be corrected or deleted.

Despite my disputes and direct communications, this account has not been corrected or deleted, demonstrating a clear violation of my statutory rights. The continued reporting of this inaccurate account constitutes : Violation of the FCRA by failing to ensure maximum possible accuracy.

Negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o, which entitles me to actual damages, statutory damages, punitive damages, and attorneys fees.

Failure of the furnishers duty under 15 U.S.C. 1681s-2 ( b ) to conduct a proper investigation and accurately report information.

As a direct result of these violations, I have suffered significant damages, including credit denials, higher interest rates, and emotional distress caused by the unlawful and misleading reporting practices.

I am demanding immediate corrective action to delete or accurately update this account. Furthermore, I request that the CFPB hold both the furnisher and the credit reporting agencies accountable for their failure to comply with federal 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRY : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited two checks on the XXXX of XXXX with Bank America for a total of XXXX. Both checks were written from the same account one for XXXX and the second for XXXX. The deposit slip stated clearly that XXXX would be available the following day and the balance would be available on the XXXX of XXXX. The following day only XXXX was available and my online app said the check was being held untill the XXXX of XXXX. Now the bank is saying it will be held untill the XXXX of XXXX. So the bank has given me three different dates for the deposit to clear. I now have checks bouncing Ive contacted the bank with XXXX help or an explanation as to why the exstended hold. I contacted the person thats wrote me the checks and they said there bank hasnt even been notified by Bank of America trying to clear the check. So the total amount being held is XXXX for more than 7 days. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in the credit report identified as listed below. I demand an immediate investigation to resolve any inaccuracy on the credit report, or else you must delete them from my credit report. 

1ST PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act, Section 1681b ( c ), and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized them, and I ask that your agency please remove them from my credit report. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

I demand that the following account be verified or removed immediately : [ Insert account details here ] Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also, be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, nor does the absence of such documentation allow you to delay the processing of a consumers letters to you.

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