vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data. In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements.

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
I am requesting assistance regarding my auto loan with Toyota Financial Services ( Account # : XXXX ). I purchased the vehicle in XX/XX/XXXX and began making monthly payments of {$750.00} in XX/XX/XXXX. Despite consistently making payments and even receiving payment relief during periods of hardship, my loan remains severely underwater. I have paid over {$19000.00} so far, but less than {$4000.00} has gone toward the principal. The current balance is still around {$26000.00}, while the car is only worth about {$9000.00}. 

I have submitted multiple support requests asking for hardship assistance including options like a settlement, interest reduction, or voluntary surrender with a deficiency waiver. I received generic responses and was told to resubmit my case, which I did. Despite my financial hardship, Toyota has not offered any meaningful resolution. I am now considering bankruptcy, which I would prefer to avoid. I am asking Toyota Financial Services to work with me on a responsible and fair solution. 

I am requesting that the CFPB assist in getting a clear and reasonable response from Toyota specifically regarding hardship settlement options or a loan restructure to avoid default and further financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
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 explanation
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I originally booked a single cosmetic teeth whitening appointment at XXXX XXXX XXXX for XX/XX/year>. At the appointment, I was offered a XXXX membership package and told that if I signed up that day, the first session would be free. The technician asked me to sign on a tablet, but never explained that I was entering into a financed loan through Affirm. I was not given a written agreement, a breakdown of terms, or a chance to opt out. I did not knowingly authorize a loan. 

They advised waiting a month between treatments, so I returned for the second session on XX/XX/year>. After that treatment, I experienced intense pain and tooth sensitivity, which required prescription medication and follow-up care. When I attempted to cancel the package and request a refund, I was denied they cited a XXXX cancellation policy based on the XX/XX/XXXX visit, even though the issue arose weeks later. This policy was never disclosed to me in writing or explained during signup. 

Their advertising is also deceptive. I personally witnessed the technician use a yellow-toned ring light for the before photo and a bright white/blue-toned filter for the after, making the results appear more dramatic than they were. This was done in real time during the appointment. 

I opened a dispute with Affirm, which was denied based solely on the merchants refund policy ignoring the lack of informed consent, misleading sales tactics, and medical harm. I am now being held responsible for a {$1000.00} loan ( with {$710.00} still outstanding ) for services I never knowingly financed and can no longer use. This situation reflects predatory merchant conduct, misrepresentation, and deceptive lending practices that warrant further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing a XXXX  XXXX bankruptcy appearing on my credit report. The U.S. Bankruptcy Court has confirmed that it does not verify or report data to credit bureaus. The reporting is based on data obtained from third-party vendors such as XXXX or XXXX, which do not meet the standards for verification under the Fair Credit Reporting Act ( FCRA ).

I requested verification and documentation from the credit bureau, but they failed to provide original-source confirmation. This violates FCRA 1681i, which requires verification from the original furnisher.

I am requesting that the credit bureau be compelled to delete the unverifiable bankruptcy record from my report and confirm removal in writing.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681c-2, no adverse item of information regarding a student loan in repayment or rehabilitation shall be furnished to a consumer reporting agency. Despite this, your bureau continues to report derogatory marksspecifically 120 to 180-day lateson federal student loans that fall squarely within the period of rehabilitation and federally protected deferment. This is unlawful.

Furthermore, the recent wave of FERPA violations and Department of Education-linked data breaches, such as the XXXX XXXX XXXX XXXX XXXX which exposed millions of student borrowers personal and educational data, raises serious concerns about data integrity and identity compromise. Your bureau is now reporting student loan tradelines based on unverifiable and potentially corrupted dataa direct violation of both FERPA and the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Therefore, I DEMAND the IMMEDIATE deletion of ALL student loan accounts reporting derogatory payment histories under names such as XXXX XXXX ' and similar designations. These accounts have been impacted by federal protections, possible identity compromise, and are in direct violation of federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am filing a formal complaint to dispute of certain items reporting on my credit file that were obtained, furnished, or used without my knowledge or legal authorization, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

Upon review of my credit report, I have identified the following unauthorized items that I believe were added or accessed without a permissible purpose : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 filing a formal complaint to dispute of certain items reporting on my credit file that were obtained, furnished, or used without my knowledge or legal authorization, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

Upon review of my credit report, I have identified the following unauthorized items that I believe were added or accessed without a permissible purpose : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully request the removal of inaccurate late payment reporting for the following accounts, due to the creditors failure to provide notice of due dates or missed payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX These late payment entries are inaccurate and incomplete because I was never properly notified of the upcoming due dates or the alleged delinquency. This denied me the opportunity to make timely payments and prevent harm to my credit. As such, the furnishers reporting fails to meet the accuracy and fairness standards required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the following fair resolution : That TransUnion reinvestigate these accounts by contacting the data furnishers That the late payments be permanently removed if the furnishers can not show proof that they sent prior notice ( e.g., payment reminders, default warnings ) That I receive written confirmation of the outcome of this investigation That I be issued an updated credit report reflecting any corrections or deletions This is a lawful and fair request in accordance with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ). If the information can not be verified with proper documentation, it must be promptly deleted from my report.

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 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
XXXX from XXXX XXXX XXXX is changing me in the amount of XXXX for an medical bill that should have never been on my credit report in collection. I have attach proof of coverage. That shows that I have coverage for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-23 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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