vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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 file a complaint because there are several mistakes on my credit report. These errors are affecting my credit, and I need them corrected as soon as possible. 

Wrong Addresses on My Report The following addresses are not mine, and I never lived there. Please remove them : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Accounts I Do Not Recognize or Dispute These accounts are showing on my credit report, but I do not recognize them or I believe the information is wrong. I am requesting a full investigation and proof that I owe these debts : XXXX XXXX ( Charge Off ) XXXX XXXX XXXX ( Collection ) XXXX CREDIT ( Collection )XX/XX/XXXX ( Collection ) If the companies can not provide proof with my name, signature, and valid documents, these accounts should be removed from my report. 

Unauthorized Hard Inquiries I did not give permission for the companies below to check my credit. Please verify authorization or delete them : XXXX XXXX ( Multiple dates ) XX/XX/XXXX ( Multiple dates ) XX/XX/XXXX XXXX If there is no signed approval, these inquiries should not remain on my report. 

What I Am Requesting Remove the wrong addresses Investigate the disputed accounts Remove any accounts or inquiries that can not be verified Send me an updated copy of my corrected credit report Thank you for reviewing my complaint. I expect a response and investigation within the allowed time according to the Fair Credit Reporting Act.

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 2025-11-22 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: NY

Complaint narrative:
I am writing to formally request the immediate deletion and blocking of all accounts and inquiries associated with my personal information as a result of a recent data breach that has compromised my sensitive personal data. 
This request is made pursuant to 15 U.S. Code 1681c-2 ( a ), which provides protections for individuals who are victims of identity theft or data breaches. As someone who has been directly affected, I am deeply concerned about the potential misuse of my personally identifiable information. I believe unauthorized accounts and inquiries may now be associated with my credit file, and I am requesting that they be permanently removed and blocked from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: IA

Complaint narrative:
After checking my report it was account reporting fraudulent under my account without proper validation. Which is ground for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: IA

Complaint narrative:
After checking my report it was account reporting fraudulent under my account without proper validation. Which is ground for deletion.

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 2025-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: WESTSTAR MORTGAGE CORPORATION
State: AK

Complaint narrative:
My original loan was through West Star XXXX, and they sold it/transferred it a few months ago to West Star XXXX XXXX 
West Star XXXX XXXX had my updated mailing address and did not give it to the new mortgagee. 
I could not get information on my loan, or how to pay on it or anything! I called multiple times, and they told me that the information had been sent via mail, so they couldn't give me the information over the phone. I emailed them over and over again, with no help on how to pay. FINALLY got someone to help me 2 months after they moved the loan over and gave me my account number and updated the mailing address, then I sent checks to make my payments, and they are rejecting them FULLY FUNDED CHECKS!!!! THE MONEY HAS ALREADY BEEN PULLED FROM MY ACCOUNT!!! 
When I asked for a payoff, they tacked on over {$1000.00} in fees!!!! TO PAY OFF THE LOAN!!! This is clearly a predatory company that needs to be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, credit file contamination, and/or fraudulent activity affecting my consumer report AND I did NOT authorize, open, initiate, or otherwise enter into any agreement for the following disputed accounts : - XXXX XXXX XXXX Account No. : XXXX - XX/XX/XXXX Account No. : XXXX ( duplicate ) - XXXX XXXX ( Older Account ) Account No. : XXXX -XX/XX/XXXX XXXX Account No. : XXXX XXXX Account unknown Certain accounts appear to have been created, assigned, or reported without my consent, without my signature, and without lawful verification. 
I did NOT sign any contract, electronic application, credit authorization, service agreement, or assignment connected to these disputed accounts. 
I have been impacted financially, emotionally, and personally due to fraudulent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX account ending in XXXX, which is listed as a late open account across all three credit bureaus. According to my records, the account was opened on XX/XX/XXXX, with a last payment made on XX/XX/XXXX, and a last activity date of XX/XX/XXXX. The account is inaccurately reported with multiple late payments, including 30-day late payments in XXXX and XX/XX/XXXX, a 60-day late in XX/XX/XXXX, and 90-day lates in XXXX and XX/XX/XXXX. These reported delinquencies do not reflect my actual payment history. I have consistently made payments according to the terms of my account, and there is no credible documentation to substantiate the reported late payments. These misrepresentations materially distort the status of my account, negatively affect my creditworthiness, and violate FCRA 607 ( b ), which requires furnishers to follow reasonable procedures to ensure maximum possible accuracy. 
The inconsistencies in reported late payments and balances are particularly concerning given that this account is reported differently across the three major credit bureaus. The repeated misreporting creates confusion and undermines the integrity of my credit file. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any information that is inaccurate or unverifiable. I request that you conduct a thorough investigation with the creditor to verify all late payments, balances, and account status. If the reported delinquencies can not be fully substantiated with accurate documentation, they must be corrected to reflect the true payment history or correct entirely from my credit 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 explanation
Consumer complaint received 2025-11-22 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: NV

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 identity 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 completeandaccurate.

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 2025-11-22 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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:
XXXX XXXX email : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX Equifax XXXX Department XXXX. XXXX XXXX, GA XXXX RE : Identity Theft Formal Dispute and Validation DemandAccounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX ( # XXXX ) Police Report : XXXX Police Department Report XXXX. XXXX ( Exhibit A ) 1. I dispute the above-referenced accounts as fraudulent and unauthorized, as documented inXXXX Police Department Report XXXX. XXXX ( attached as Exhibit A ). 
2. These accounts were not opened, signed for, or authorized by me, and no contract existsestablishing liability.

3. My personal information was compromised during known data breaches affecting credit bureaus, increasing the likelihood of fraudulent account creation.

4. Pursuant to federal law, I request full validation of these accounts, including : Original signed contracts Chain of title / assignment Full account history Origination documents and authentication data XXXX. Continued reporting without proper validation violates : 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681g ( e ) 15 U.S.C. 1681c-16. If unverifiable, deletion is required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. ) XXXX v. XXXX Bank, XXXX XXXX XXXX ( D. XXXX. ) XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. ) All reporting and collection activity must cease during reinvestigation.Attached : Exhibit A Police Report XXXX. XXXX Photographic Identification Submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Billing Error Dispute Violation of 15 U.S.C. 1666b My credit card issuer capitol one repeatedly failed to provide periodic billing statements at least 21 days before the payment due date, as required by 15 U.S.C. 1666b ( a ). 
This did not happen just once it occurred for 5 consecutive months. 

Because the statements were not timely : The company improperly charged me late fees across those 5 months, Imposed finance charges in violation of 15 U.S.C. 1666b ( b ), and Potentially harmed my credit reporting. 

These repeated failures demonstrate a systemic violation of the Fair Credit Billing Act timing requirements. 

What I want the company to do : Remove all late fees from all 5 months, Remove all related finance charges and penalty APR adjustments, Restore any negative information reported to the credit bureaus, Provide full written confirmation. 

Please investigate and respond in writing as required by the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
I started my first payment on XX/XX/XXXX. I got my car in XXXX of XXXX, it came with XXXX months no payments deal and zero interest. So the very first payment was scheduled for XX/XX/XXXX. My monthly payment is XXXX XXXX I received five extension, each 2 months, totalling to 10 months all together. They told me that five extensions, 2 months each and a total of 10 months all together is the maximum extension they give. I am supposed to be having maximum of 12-13 payments left. I paid XXXX XXXX on XX/XX/XXXX and it was never applied to my total remaining balance. My remaining balance was showing as XXXX XXXX  on XX/XX/XXXX and after that I made a payment of XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX via debit card, funds were extracted immediately but my balance instead of going down, it is growing from XXXX XXXX to XXXX XXXX  showing right now on XX/XX/XXXX, at XXXX XXXX MST. My loan is zero interest and I dont understand why it keeps growing. And I suppose to have 12-13 payments left after what I paid today but if you divide the XXXX XXXX  by XXXX XXXX ( my monthly payments ) it will be a total of 16 payments. On their website they dont show what you paid but instead, when you go to transactions section, they will only show your cancelled payments. Which two of the recent ones I set up for XX/XX/XXXX, and XX/XX/XXXX, they cancelled manually. They take your money and dont apply towards your balance and my balance is wrong, instead of going down, it grows, while I have zero interest loan. When you call them, they tell you that you can not record the conversation and hang up. They manually cancel your set up payments and send your car for repo. And block your online profile to prevent you from making payments. Would someone please look into this? They took my money on the XXXX of XXXX but never applied it towards my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Alliance keeps calling a bunch of family members and myself after I asked them not too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> at around XXXX I, XXXX XXXX XXXX XXXX a deposit into my account at Bank of America located at XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, I and my father who drove me to the location were there for a short amount of time. The transition was a deposit of government based pay in the amount of state issued checks, the deposits were accepted, but we're not made available right away. The checks ranged from XXXX up to XXXX with the total amount being XXXX the bank has a time frame based on amount of deposits that funds are to be made available, the time frame for my deposit is offset to their policy, with government based checks only taking one to two business days to be verify. The bank has now shown me a real of funds dated XX/XX/XXXX but also a release of funds dating XX/XX/XXXX, and another release of funds dating XX/XX/XXXX. I believe that policy terms are being and have been negatively neglected by Bank of America both at the XXXX CA location and the location, XXXX XXXX XXXX XXXX DE XXXX. And for my compensation I am asking for not only funds to be made available, but for the anxiety of not horned bank policy to have the amount of {$7000.00} dollars refund to me in a response and reasonable amount of time, this deal in funds being made available has put my transportation in jeopardy my living responsibilities in jeopardy and my foods in jeopardy, all which are key elements to my mental health and physical health. I wish to be contacted by email about addressing this complaint and and resolving this matters appropriately, I will seek to escalate this matter higher up if necessary. 
Best regards. 
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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I placed a XXXX order through XXXX. The total charge was {$64.00} for two separate orders : XXXX XXXX ( {$31.00} ) and XXXX XXXX ( {$33.00} ). I received the XXXX order, but the XXXX XXXX order was significantly delayed, reassigned to another driver, and ultimately canceled by XXXX. I never received the XXXX XXXX portion. 

I disputed the {$33.00} portion with USAA. However, XXXX submitted misleading documentation that only showed the XXXX order and falsely inflated that receipt to match the full {$64.00}. This does not match the actual breakdown in my XXXX app. 

USAA closed my dispute without comparing the receipts, verifying the canceled XXXX XXXX order, or confirming delivery. They accepted incorrect documentation and failed to investigate the disputed amount. I am requesting this dispute be reopened and properly reviewed. 

I am uploading screenshots showing : the actual XXXX receipt ( {$31.00} ) the XXXX XXXX  receipt ( {$33.00} ) the canceled XXXX XXXX order status driver delay/reassignment messages XXXX incorrect documentation order timestamps showing both orders were charged together my written explanation previously sent to USAA I am requesting USAA conduct a proper investigation into the portion of the charge for goods I never received.

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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Texas on XX/XX/XXXX. The dealer submitted a Retail Installment Sales Contract showing an Amount Financed of {$19000.00}. 



Within a few days, I discovered multiple major pre-existing mechanical defects, including both front axles, the struts, and the shocks being bad. The vehicle is unsafe to drive. 



On XX/XX/XXXX, I returned the vehicle to the dealership due to the safety defects and left it on their property because it could not be safely operated. 



I requested written confirmation that the dealership had possession of the vehicle and asked to cancel the Retail Installment Sales Contract. The XXXX XXXX refused to provide any written acknowledgment, refused to assist with cancellation, and told me to come back another day. I also notified them in writing via text message that I left the vehicle on their lot. 



I am filing this complaint because the dealership misrepresented the vehicles condition, failed to disclose serious mechanical defects, and is refusing to provide documentation necessary to cancel the contract. I am requesting assistance to ensure the contract for {$19000.00} is canceled and that I am not held responsible for an unsafe vehicle.

Company response to consumer: Closed with explanation