vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
They robbed me, got me fired after they lied and broke promises like the slimy salesmen they are. 
I received a call from XXXX XXXX, I must bring the car back or somehow XXXX out a cosigner? I've been on my own since the age of XXXX, no one 's gon na cosign for me. I put 2 grand down and haven't gotten it back they won't return my calls or emails.... back to the story.... I am in Oregon and have to cut my trip short on my own dime make up some excuse to my boss and to drive my car to take it back and now I have no car again, they reposessed it the morning after i got back i had drove in at 6am and went to bed and woke up and the car was gone and all my belongings ... like anything i hadworth anything at all. And I'm devastated. The man I talked to on the phone was harsh and mean and didn't explain anything. I thought I had signed a financing contract, I don't know..... 
Now, I'm stuck broke XXXX because I paid to get these windows tinted and new XXXX XXXXXXXX not knowing I'd need another XXXX bucks to drive this car back from a business trip that I was super clear about while buying the car... I'm stuck in a much worse place than before. I'm talking XXXX XXXX dollars worth of tools and my bosses inventory they stole. I was only asking for my money back these guys are crooks.... I can't believe the amount of pain and suffering this has caused me. I don't kmow.how they sleep at night

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: OR

Complaint narrative:
This complaint concerns an ongoing issue with the personal information being reported on my TransUnion credit file. Specifically, TransUnion is listing the name XXXX XXXX XXXX, which is not my name, has never been my name, and has no connection to my legal identity. This error is false, misleading, and harmful to my credit profile. 

My only legal name is XXXX XXXX XXXX. I have never used the name XXXX in any legal, financial, or personal capacity. I have not submitted applications, signed documents, or authorized any transactions under that name. Its presence on my credit report is a mistake that I did not cause and should not be held responsible for correcting repeatedly. TransUnion has failed to provide any documentation linking this name to me, because no such link exists. 

This kind of error undermines my ability to verify my identity and causes unnecessary confusion when applying for credit, housing, or financial services. I have already experienced delays and questions as a result of this incorrect name, and unless TransUnion corrects it immediately, further damage is likely. 

This is not a case of identity theft, and I do not authorize the placement of a fraud alert. This error stems from TransUnions internal data handling or misattribution, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), TransUnion is legally required to maintain and report information with maximum possible accuracy. The continued reporting of a name that does not belong to me is a direct failure of that obligation. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute this inaccuracy and to expect a thorough reinvestigation not a blanket verified response without evidence.

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 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has repeatedly lowered my credit limit shortly after I make large on-time payments. Despite paying on time, I feel Im being penalized for trying bring my balance down. 

Each time they reduce my limit, it increases my credit utilization, which negatively affects my credit score. When I reached out, I was told a letter had been mailed explaining the decision, but this does not address the core issue : I should not be penalized when Im handling this account responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I did not have possession of the vehicle and was no longer married to XXXX XXXX which had possession of the vehicle and had it refinanced and taken out of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Nelnet, Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against Nelnet, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXXXXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I believe Im being part of a fraud/ scam. This company XXXX XXXX out of XXXX XXXX California is trying to settle a checking account that was closed owning {$490.00} from a bank that was bought out by Wells Fargo from 10 years ago. The statue of limitations is New Jersey is 6 years and when I requested prooof of this and for them to submit to me that they have reached out in the past nothing was submitted to me just an e sign to submit an agreement and payment via cc info on a form. They have callled family members I dont even speak to trying to contact me to pay. Absolutely ridiculous.

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 2025-06-27 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: NV

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX, which currently appears only on my XXXX  and TransUnion credit files not on my XXXX  report. This inconsistent reporting raises concerns about the accuracy and completeness of the data being furnished, as required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I have already submitted formal disputes via verified mail to both XXXX  and TransUnion, requesting validation of this account. Despite this, the account continues to be reported without any original documentation to verify its legitimacy or my responsibility for the alleged debt.

This account is unverifiable, inconsistently reported across credit bureaus, and potentially harmful to my creditworthiness. I am requesting the CFPB to review this matter and ensure that XXXX XXXX XXXX and the credit bureaus are held accountable to proper reinvestigation procedures. 

Thank you.

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 2025-06-26 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: MD

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX Account # - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX Account # - 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 non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I

recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
b'Medical XXXX XXXX  called me once on XXXX XXXX XXXX XXXX EDT, I answered but stated I was unable to take this call right now and due to my lack of cell phone service I was unable to hear the response. They again called me later on in the day but around XXXX  Today, (XXXX  the number for Medical Data Systems called me 3 times back to back between the times XXXX XXXX XXXX XXXX. No voicemail was recorded aside from yesterday, and generally it is the employee named XXXX. Back earlier in the month I had paid XXXX to clear a debt and the customer service rep had been harassing me to pay an additional XXXX. Though I did tell them to call me back at the end of the month, I gave no consent to spam call me. The number calling me was consistently XXXX XXXX See screenshots below.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX with Discover that matured on XX/XX/XXXX. There was a grace period until XX/XX/XXXX to transfer the funds to my other XXXX account at XXXX. XXXX submitted the request to Discover within the grace period. During this time I was out of the country for two weeks. Discover tried to get a hold of me which I did not see, because they said they needed a physical signature on the request to transfer to my XXXX account. When I came back on XX/XX/XXXX, I spoke to an agent at Discover, who said I should simply sign the form with XXXX and have them resubmit it and everything will be fine. I went back to XXXX signed the form and had them resubmit it back to Discover. They received the form and I just noticed yesterday, XX/XX/XXXX, that they sent a check out to XXXX to transfer the funds. Then I received an e-mail that I was charged an early withdrawal penalty of {$520.00}! I called Discover and explained I started this process within the grace period window and should not have to pay an early withdrawal penalty. They refuse to reverse the early withdrawal penalty. That is completely unfair since they know I started this request within the grace period. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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 requesting that the reported credit limit for this XXXX XXXX account be corrected on my TransUnion report. XXXX  and Equifax both show a credit limit of {$320.00}, but TransUnion currently reflects {$0.00}. This inconsistency may negatively impact my credit utilization ratio. Please update TransUnion to reflect the accurate credit limit of {$320.00}, in line with the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Blocked my ability to dispute and threaded me. The creditor also threatened my family. They also harassed my family 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 2025-06-26 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: DC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-06-26 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: LA

Complaint narrative:
XXXX FORMAL DISPUTE NOTICE Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX From : XXXX XXXX XXXX [ Insert Full Address ] SSN Last 4 : XXXX Complaint Ref # : [ Insert if known ] Subject : IMMEDIATE FORMAL DISPUTE OF UNAUTHORIZED XXXX XXXX REPORTING, PRIVACY VIOLATION, AND FCRA NON- COMPLIANCE To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Family Educational Rights and Privacy Act ( FERPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I am disputing the unauthorized reporting, possession, and handling of my personal and financial information by XXXX. 
I did not originate, authorize, or consent to any loan serviced or held by XXXX. I began college in XXXX and received XXXXXXXX XXXX and other financial aid. My federal loans were serviced by XXXX XXXX, and I was never notified of or consented to a transfer to XXXX. 
Therefore, any reporting under my name and SSN by XXXX is inaccurate and unauthorized. 
Pursuant to my rights under federal law, I demand the following actions be taken within XXXX hours of receipt of this dispute : 1. Immediate deletion of any and all XXXXrelated tradelines, entries, and alert codes from my credit report. 
2. A cease and desist order on any current or future reporting to any credit bureau regarding this alleged debt. 
XXXX. Delivery of full documentation ( including a copy of the signed promissory note or servicing transfer agreement bearing my signature ) that proves XXXXXXXX XXXX authority to report or hold my data. 
4. Immediate notice of the resolution of this dispute in writing, and confirmation that my data has been removed and will no longer be shared, stored, or processed. 
Failure to comply with this dispute and federal law will result in immediate escalation to the following entities : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - U.S. Department of Education and FSA Ombudsman - Louisiana State Attorney Generals Office - Private legal counsel You are now on formal notice. Continued reporting, mishandling, or failure to respond constitutes willful noncompliance and data abuse under multiple federal laws. 
I expect acknowledgment and resolution of this dispute without delay. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation