vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2025, Wells Fargo closed my account without prior notice. My online banking statement reflected a transaction labeled Loss Prevention Closing Entry, which reduced my balance to {$0.00}. 

I have never been informed of any suspicious or fraudulent activity involving my account. This lack of transparency will cause delayed bill payments and inability to access funds.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has locked out my credit report and is not able to correct it. 

On XX/XX/XXXX I called Transunion customer support to get a pre-existing credit freeze removed. I was informed there is an issue with my account. So far I have talked to XXXX different agents and have escalated XXXX times. 

As of today, XX/XX/year>, I have no access to my credit report and I am being denied credit.

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 2025-08-11 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a hard inquiry that appears on my credit report. I have no record or recollection of initiating or approving such a request.

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 2025-08-11 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have several credit accounts with synchrony Bank. PayPal, Verizon credit card, Lowe 's credit card. Within the course of 4 months. They wrongfully lowered my credit limits when all bills are paid on time over and above minimum payments, even half to completely paid off. Still lowered credit limits huge and unreasonablely. Aftermath of this significantly lowered my credit score for something I didn't do wrong with ultimately gets me denied for new loans and if I even do get approved it's an astronomical interest rate. I'm not being treated fairly due to their wrongful decisions

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Concord Servicing Corporation
State: TN

Complaint narrative:
XXXX Vacations explained that my membership as a XXXX XXXX was revoked back in XX/XX/XXXX, so I no longer have an ownership with them. Despite that, theyre still charging me for the loan and letting interest pile up. Im struggling to understand what exactly Im paying for. If my membership is gone, and I no longer have access to any benefits, whats the point of continuing payments? It feels like Im being charged for something I no longer own or cant use anymore. Its unacceptable to be left in this state of limbo. They said theyd stop contacting me, for now, but they can resume collection efforts at any time, which leaves me unsettled and uncertain about where I stand. Adding to this confusion, my credit report shows foreclosure proceedings as of XX/XX/XXXX. This is baffling considering I stopped making payments a long time ago. Looking closer at my credit report, it shows FS ( foreclosure ) starting in XXXX of XXXX. How is it that they can report foreclosure proceedings started as of XX/XX/XXXX? I've been reaching out about my situation for years at this point. I have a copy of my credit report I pulled in XX/XX/XXXX. That report shows foreclosure proceedings starting in XXXX of XXXX. What's going on with the date constantly changing? If foreclosure proceedings have been initiated, especially if that started in XX/XX/XXXX as my credit report shows, why not follow through and finalize this process? Additionally, theyve taken back my ownershipbut what happens to it now? I strongly suspect it has already been sold to someone else, and yet theyre still pursuing payments from me. This doesnt feel right and raises questions about their practices. I need clear answers. This prolonged uncertainty is unreasonable, and I ask for a complete explanation of the issues Ive raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, XXXX might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-11 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: TX

Complaint narrative:
I am submitting this formal complaint under the Texas Deceptive Trade Practices Act ( DTPA ) regarding fraudulent, deceptive, and coordinated actions between XXXX XXXX Toyota, XXXX XXXX XXXX, XXXX, TX XXXX, and Toyota Financial Services. 1. Fraudulent Credit Application At the time of purchase, XXXX XXXX Toyota submitted a credit application containing information I did not authorize or provide. I later signed documents I believed matched our agreed terms - however, Toyota Financial Services has relied on a different, altered version of that application, prepared without my consent. This constitutes a violation of Texas Finance Code and the Truth in Lending Act for falsifying application data. 2. Coordinated " Blame-Shifting '' Between Dealer and Finance Company XXXX XXXX Toyota claims Toyota Financial Services is responsible for the contract errors. Toyota Financial Services claims the dealership is responsible. This is a deliberate tactic to prevent resolution while both parties profit from the transaction. The conduct is consistent with coordinated and organized deceptive trade practices under the DTPA. 3. Refusal to Acknowledge Transfer to Trust The vehicle account was formally transferred to the XXXX XXXX XXXX XXXX, with proper documentation. Toyota Financial Services refuses to update its records to reflect the XXXX as the legal and equitable holder, impairing my rights as Trustee and violating notice requirements for transfer/assignment. 4. Refusal to Provide Full Ledger and CUSIP Report Both XXXX XXXX Toyota and Toyota Financial Services have refused to produce the full transaction ledger and the CUSIP report tied to this account. The CUSIP association indicates securitization and trading of the account without my consent or knowledge, raising potential violations of UCC Article 9, the Securities Act of 1933, and consumer finance regulations. 5.

Additional Irregularities- Missing amounts and signatures on the GAP waiver agreement. - Incomplete or missing sales packet documentation despite repeated requests. - Possible misrepresentation of vehicle price and financing terms at sale. XXXX XXXX XXXX Toyota and Toyota Financial Services appear to be working in coordination while presenting themselves as separate entities, using a pattern of blame-shifting to evade accountability. This conduct should be investigated as organized consumer fraud under the Texas Deceptive Trade Practices Act, Texas Finance Code, and applicable federal laws. I request that the Attorney General 's Consumer Protection Division : - Investigate the above violations. - Require both parties to produce all documents, ledgers, and reports connected to this transaction. - Pursue restitution and all other remedies allowed by law. Attached are copies of relevant contracts, correspondence, and evidence supporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Account Number : XXXX Creditor Name : XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTING ON XXXX AND TRANS UNIONXXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MD

Complaint narrative:
Netspend promotion ( * Receive a {$200.00} credit when you Direct Deposit {$400.00} in 60 days. Banking services provided by XXXX XXXX XXXX, XXXX FDIC. ) I have met the qualifications but not received the credit.

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 2025-08-11 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-11 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD BANK N.A. 
Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


I did not inquire this. 
did not apply for this card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My company has a commercial loan serviced by Shellpoint XXXX XXXXThe loan is secured by a deed of trust against XXXX properties. The loan documents provide that any one or any subset of the XXXX properties may be released from the deed of trust upon payment of a partial release price. On XX/XX/year>, I called Shellpoint Mortgage Servicing to request a partial release payoff statement. The representative directed me to email XXXX. Immediately after ending the call, I emailed that address as instructed. I included my account number, the property address, a copy of the sale contract, and the page of the deed of trust that states the release price for each property. One minute later, I received an automated response stating that the company 's standard response time to provide the payoff statement is XXXX business days. XXXX business days have passed and the company still has not provided the partial release payoff statement. 

This morning, I called the customer service department again. The representative was unable to provide any update on my request or to provide direct contact information for the commercial department. She stated that she would file a complaint on my behalf and someone will call me back within XXXX hours. Given that company did not respond within XXXX business days with the payoff statement, I have little confidence that they will call me back within XXXX hours. I need the requested partial release payoff statement immediately.

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 2025-08-11 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: TN

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 explanation
Consumer complaint received 2025-08-11 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: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party XXXX. I have no contractual relationship with these XXXX. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Kriya Capital, LLC
State: IA

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party XXXX. I have no contractual relationship with these XXXX. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within XXXX business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company response to consumer: Closed with non-monetary relief