vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I'm filing this complaint because TransUnion continues to report multiple accounts on my credit file that are clearly inaccurate, unverified, and should have never remained after being formally disputed. I've already taken the steps to notify you, and yet the same accounts are still being reported with no real investigation and no proper resolution. At this point, it's not just disappointing, it's exhausting to keep chasing corrections that should have been handled the first time. This behavior violates several provisions of the Fair Credit Reporting Act. Under 15 U.S.C. 1681b, you are not allowed to report information without a valid permissible purpose. These accounts were added without any valid basis, and no authorization or documentation has ever been shown to justify their inclusion. On top of that, 15 U.S.C. 1681e ( b ) requires you to maintain the maximum possible accuracy in all consumer data. That clearly is not happening here. You are also in violation of 15 U.S.C. 1692j, which prohibits providing or reporting information in a way that falsely implies a legitimate creditor relationship or authority. Ive requested validation, not form letters or system-generated responses. To this day, I have not been provided with a single original application or contract bearing my signature to support any of these accounts. That tells me there was never proper verification done in the first place. Whats worse is that even after being put on notice, TransUnion continues to report them. That is willful noncompliance. In XXXX XXXX Trans Union XXXX, the court made it clear that reporting agencies are liable when they knowingly allow false or misleading data to remain. The ruling in XXXXXXXX XXXX XXXX further confirms that failing to follow reasonable procedures in response to disputes is a violation of the law. TransUnion is doing exactly that.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On love the XXXXXXXX XXXX, I made a purchase at a merchant called XXXX XXXX XXXX XXXX XXXX however I went in took the product back and requested a refund they told me 5 days come XXXX XXXX will be 5 days every day I have been on my online account and the transaction was posted the money was taken out of my account for {$29.00} however I got on my online account this morning and the transaction it has been deleted. I have proof I have receipts & the person I spoke with this morning on XX/XX/2025 at XXXXXXXX XXXX. said it was the merchant. It was the bank bcuz the merchant has no control or access over my transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX location, regarding their harassment, unprofessional conduct, and intimidation tactics during my auto loan payment issue. 

I am currently 39 days late on a car payment, but I have been in active communication with the dealership and had a verbal agreement with them to catch up by this Friday, XXXX the XXXX. 

Despite staying in contact, the general manager XXXX has been extremely rude, unprofessional, and hostile during multiple phone calls. She has yelled and screamed over the phone. Repeatedly talked over me, making it impossible to communicate. Attempted to intimidate me, even though I am actively trying to resolve the situation. Refused to give me a valid corporate contact number and instead provided a disconnected number. She has lied and when I told her I have proof she then agreed and said oh well. 

I have call logs and timestamps showing the multiple times I've contacted them in good faith. I called on XX/XX/XXXX and made the verbal agreement to come in on the first of XX/XX/XXXXXXXX  to resolve the payment issue and show proof that im behind because my car was in the shop and had to get work done. It was in the shop for five days. They also talked to my husband on XX/XX/XXXX and again, told them a verbal agreement was already made for the first. 
I feel unsafe and extremely uncomfortable speaking to this manager, and I do not believe any consumer should be treated this way while trying to resolve a financial matter in good faith. 

The resolution im requesting, I would like to see disciplinary action taken against the general manager XXXX, up to and including termination, for her inappropriate behavior. 
I want to be able to continue resolving this issue without dealing directly with her due to the hostile and intimidating nature of our past interactions. 

Thank you for reviewing this complaint. I hope to see appropriate action taken so I can resolve my payment issue without further harassment from this specific general manager.

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On approximately XX/XX/XXXX, I reported two fraudulent charges to Wells Fargo. The charges were for {$700.00}, {$300.00}, and {$1000.00} dollars respectively. The fraudulent charges occurred on XX/XX/XXXX and XX/XX/XXXX, and the merchant waXXXX XXXX and the method of entry was " card number entered by merchant. '' I reported these charges to Wells Fargo as fraud and locked my debit card. The claims were filed under numbers XXXX and XXXX In a follow-up call with Wells Fargo , I learned that the agent that I talked to had improperly logged the fraudulent charges as a dispute, and I had to walk them through fixing this. The agents were very disorganized, incompetent, and inattentive. 

In the meantime, due to my perception of Wells Fargo 's incompetence, I began consolidating documents from the vendor. I sent XXXX a warning that I intended to escalate, and they responded back that they had no record of the charges. I shared this email with Wells Fargo. 

I also reached out to XXXX, the parent company of XXXX, and reported the fraudulent charges to them. After sharing a redacted bank statement, they took action and gave me a refund. 

Even after sharing information with Wells Fargo that clearly showed XXXX stating that the charges were not authorized, they ruled against a clear case of debit card fraud. It is clear that their investigations are sloppy and that they are not taking Consumer Protection seriously. If I hadn't have done my own work, I would have lost {$2000.00} to fraud, and that lack of protection from my bank is unacceptable.

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 2025-07-29 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: MI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-29 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: MI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-29 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: OH

Complaint narrative:
I'm writing to bring your immediate attention to a serious issue on my credit report. There is a hard inquiry listed that is completely fraudulentI did not authorize it, I did not initiate it, and I have absolutely no knowledge of the company or party that made it. 

Let me be as clear as possible : this inquiry was not done by me or with my permission. I have never applied for credit with the organization listed, and I take unauthorized activity tied to my identity very seriously. Whether this was done in error or as part of a potential identity theft situation, I want it handled without delay. 

This fraudulent inquiry is not only inaccurate, but its also affecting my credit unfairly. Im formally requesting that it be immediately deleted from my credit report in full accordance with the Fair Credit Reporting Act ( FCRA ), which gives me the right to dispute unauthorized or false information.

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 2025-07-29 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: WI

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I got my car with Toyota Financial. On XX/XX/year>. I was tricked into getting two extra products, prepaid maintenance and GAP insurance. Literally the day afterwards I changed my mind. Trying to get it refunded, I was told we cant give the money back nor lower the payment. But you can put it towards future payments So thats what I had them do. But these refunds kept getting moved from principal to monthly. And its been happening with all my payments Ive made since. 
Ive been calling like crazy, consistently. Asking for updates and telling them they need to fix it. 
I get calls from the company about how I owe them money that I have already paid long ago. And they say my car is up for repossession. Only 1 employee there has been a massive help in preventing this. But the whole company is disgusting. 
They will not fix this problem. 
Theyve left me high and dry on updates, they dont do a XXXX thing. 

DO NOT GET A LOAN WITH TOYOTA FINANCIAL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
This is the letter that I sent to all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XX/XX/XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title XXXX, imprisoned for not more than XXXX years, or both.

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 2025-07-29 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: LA

Complaint narrative:
This is the letter that I sent to all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XX/XX/XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title XXXX, imprisoned for not more than XXXX years, or both.

Company response to consumer: Closed with explanation