vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Transunion properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> payment was sent to redeem vehicle after repossession in the amount of XXXX. The company has been contacted on several occassion with no resolve to release my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered that I had late charges on one of my Bank of America credit cards. For some reason, I wasnt receiving the bill notifications that I normally do so I didnt realize I had a payment to make. The last charge on the card was in XX/XX/year> in the amount of {$120.00}. 
I paid the entire balance of {$200.00} on XX/XX/year> when I discovered the issue. 
On XX/XX/year>, I decided to check on the account online to see if there were any charges that I hadnt been notified of and there was a balance of {$85.00}. I didnt know what the charge was because I paid the balance, hadnt used the card. 
When I called the customer service number and entered my account number it said the account had been closed. It doesnt show that the account is closed online and when I asked the agent, I spoke to what was going on with the account, I was first told that it was because of excessive late payments. I missed 1 payment 3 times because I wasnt notified that a payment was due. 
Then I was told that it was closed due to inactivity. There was a purchase in May 5 months ago and they were billing me interest charges up until today so that didnt make sense. 
I told them that I have 2 other credit cards and have been a customer for 20 years and that what they did over a missed payment damaged my credit score and was uncalled for. The interest charges were reversed, and I was told that there is now a credit on the account and also that the account had been sent to their collections department. 
I asked why I wasnt notified of the account closure and the agent asked if I had checked my mail and I said yes. He asked if I checked my online account and I said yes, and was told that the information should be there. I asked the agent to show me where it is in my account, but he could not locate it. 
I called their collections department, and I was told that they do not show an account for me in collections or even that I have any type of late payment. 
They have mishandled my account causing my credit score to plumet with no plausible explanation.

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 monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has reinserted a fraudulent XXXX XXXX account ( # XXXX, {$860.00} balance ) that was previously deleted following my identity theft dispute under FCRA 605B. I was not notified of the reinsertion or provided any certification of accuracy as required by 611 ( a ) ( 5 ) ( B ). The account was deleted after my valid FTC Identity Theft Report ( XX/XX/year>, Case # XXXX ) but reappeared on my credit report on or around XX/XX/year>, lowering my FICO score. I have submitted my reinsertion violation packet and supporting evidence, including the FTC report, Experian credit report showing reinsertion, and proof of identity. I am requesting the CFPB require Experian to delete the reinserted account, restore my credit report and score, provide certification documentation if any exists, and investigate this violation for compliance purposes.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally bank did not follow through with what they shouldve done. They closed my husbands account

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 2025-10-13 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: NY

Complaint narrative:
After seeing my credit report, I have seen that accounts are showing up with late payments that are being reported illegal.

According to 15 U.S. Code 1681 ( 4 ), you must respect a consumer 's right to privacy and fairness, which your agency is in direct violation of under the FCRA. additionally 15 U.S. Code 1681 ( 2 ) ( A ) i clearly shows that it is ilegal to report transactions or experiences between the consumer and the person making the report, and late payments are experiences between me and your agency. To make matters worse, you can not provide any account as late according to 15 U.S. Code 16668 unless the information of 15 U.S. Code 1637 is delivered 21 days before my creditor 's payment due date, which your company did not do.

As a consumer of my credit report, I have not received any written or electronic notification that my nonpublic personal information would be exposed to your agency, nor have I been given the opportunity to get out of the exposure, which is a violation of 15 U.S.

Code 6802. Throughout the course of this letter, your agency has broken multiple laws governed by the FCRA ; therefore, all late

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 2025-10-13 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 respectfully challenge the reporting of accounts I did not initiate. Kindly investigate thoroughly and remove them. Relevant records are attached.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NJ

Complaint narrative:
L J ROSS ASSOCIATEis falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: TX

Complaint narrative:
Have been receiving texts every XXXX days. On XX/XX/year> I replied to stop. A confirmation message was received that said I was unsubscribed. XX/XX/year> received another text message from the same company Unifin from a different number with the same information. Again, I send STOP and it confirmed that I was again unsubscribed. I have clicked on the link and the particular account they are speaking of was resolved a long time ago and the debt is over XXXX XXXX XXXX. At this point, I have asked them to stop twice and they keep messaging from other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: ME

Complaint narrative:
I visited XXXX Banks website to view their XXXX XXXX  Signature card. 

They have an option to " See if you're pre-approved without affecting your credit ''. I selected this option where I am promoted to enter my personal phone # to pre-fill part of the pre-approval. On that page it also says " Once verified, you can continue with your application here. Prefilling won't affect your credit. '' After filling in my information and proceeded, I was directed to a screen that said I was approved and a card had been opened. It then prompted me to create an online account. I immediately got alerts that my credit had be accessed via a hard pull. 

US bank did a hard pull on my credit and opened a credit card without my approval or authorization. Their website is deceptive and misleading.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing the way POSSIBLE FINANCIAL is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, POSSIBLE FINANCIAL, with account # XXXXXXXX XXXX XXXX XXXX XXXX  reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX The dollar amount the credit will cost you. 

{$1000.00} Amount Financed The amount of the credit provided to you or on your behalf. 

{$400.00} Total of Payments The amount you will have paid after making all payments as scheduled. 

{$1400.00} Payment Schedule : XXXX payments of {$100.00} starting on XX/XX/XXXX. XXXX final payment of {$100.00} due on XX/XX/XXXX for a total XXXX payments. 

Payment Date Payment Amount XXXX XXXX XX/XX/XXXX {$100.00} {$370.00} XX/XX/XXXX {$100.00} {$370.00} XX/XX/XXXX {$100.00} {$360.00} XX/XX/XXXX {$100.00} {$350.00} XX/XX/XXXX {$100.00} {$340.00} XX/XX/XXXX {$100.00} {$330.00} XX/XX/XXXX {$100.00} {$310.00} XX/XX/XXXX {$100.00} {$290.00} XX/XX/XXXX {$100.00} {$270.00} XX/XX/XXXX {$100.00} {$240.00} XX/XX/XXXX {$100.00} {$190.00} XX/XX/XXXX {$100.00} {$140.00} XX/XX/XXXX {$100.00} {$82.00} XX/XX/XXXX {$100.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

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 2025-10-13 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
These accounts have been reported in my name without my authorization or knowledge. I did not open, approve, or manage them, and their presence is a false and damaging misrepresentation of my financial history. This is unacceptable. Investigate immediately, identify who reported these accounts and why, and remove all unauthorized accounts 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 non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I am disputing a charge-off/written-off account reported by XXXX XXXX XXXX on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. XXXX has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). This account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original Purchase Agreement either.

Company response to consumer: Closed with non-monetary relief