vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
I was trying to rent an apartment and realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. Its a defamation to my character. In addition, my information was involved in the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Optio Solutions, LLC
State: MI

Complaint narrative:
I was trying to rent an apartment and realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. Its a defamation to my character. In addition, my information was involved in the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXXSubject: Complaint Regarding TD Auto Finance LLC and TD Bank, N.A.XXXXTo Whom It May Concern,XXXXI am submitting this complaint to bring to your attention serious issues I have experienced with TD Auto Finance LLC and TD Bank, N.A. regarding a vehicle loan account and related lien.XXXXBackgroundXXXXTD Auto Finance has acted as the lienholder on my vehicle; however, their authority to operate in the State of Georgia is questionable as records indicate they do not maintain a valid or current business license here.XXXXI have repeatedly attempted to resolve these matters directly by sending two Request for Information (RFI) letters to TD Auto Finance and TD Bank, N.A., outlining my concerns and asking for clarification of their authority, lien position, and account reporting. These letters have been ignored.XXXXIssuesXXXXienholder StatusXXXXTD Bank, N.A. is the lienholder of record, yet TD Auto Finance continues to act in that role without authority or proper assignment. This creates uncertainty about the lawful lienholder and casts doubt on TD Auto Finances legitimacy in enforcing or collecting on the account.XXXXDebt Collection & Harassment\XXXXMy phone number has been sold or provided to third-party callers who harass me with XXXX  calls per day, causing severe disruption and stress.\XXXXCredit ReportingXXXXTD Auto Finance has reported the account as a bad debt on my credit report, even while continuing to demand and/or accept payments on the same accountXXXXFailure to Respond\XXXXDespite my good faith efforts to resolve this matter through my RFI letters, their response has not addressed any issues or information requested, constituting noncompliance with federal consumer protection standards.\n\n\nRequested ReliefXXXXThat TD Auto Finance and TD Bank, N.A. be required to respond to my prior RFI letters with full documentation of their lien authority, account history, and licensing status.XXXXThat the CFPB investigate whether TD Auto Finance is lawfully operating and collecting payments in GeorgiaXXXXThat corrective action be taken regarding the false or misleading credit reporting, including removal of improper negative marks.XXXXThat the CFPB reviews TD Auto Finances debt collection practices, particularly their use of third-party callers causing daily harassment.XXXXI respectfully request the CFPBs assistance in compelling TD Auto Finance and TD Bank, N.A. to comply with federal and state requirements, respond to my prior correspondence, and remedy the damages caused by their actions.XXXXThank you for your time and attention to this matter.XXXXCertified 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: LA

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 2025-09-03 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-09-03 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-09-03 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: TX

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
These accounts should not be in my name and must be deleted within XXXX  days as per USC 1681g.

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 2025-09-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXXXX/XX/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 2025-09-03 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: SC

Complaint narrative:
b'TransUnion, Equifax, Experian \n\nRe: Formal Dispute of Inaccurate/Unverifiable Credit Reporting\nAccount: XXXX XXXX XXXX   Account # XXXX\n\nTo Whom It May Concern:\n\nI am formally disputing the accuracy and legality of the reporting of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\nThis account is reported as a Collection/Charge-Off with a current balance of $XXXX  against a $XXXX  credit limit. Furthermore, it is listed under my credit profile as Authorized User. This reporting is:\n\t1.\tInaccurate & Misleading (FCRA  623(a)(1)(A))  Authorized Users are not contractually liable for repayment. Reporting this as my responsibility is a direct misrepresentation of my financial obligation.\n\t2.\tIncomplete (FCRA  609 &  611)  No original signed contract, billing statements, or proof of liability has been provided. Without such documentation, the account cannot be verified as mine.\n\t3.\tErroneous Balance Reporting (FCRA  607(b))  The reported balance exceeds the original credit limit, which is inaccurate and damages my creditworthiness.\n\t4.\tUnverifiable Status (FCRA  611(a))  You are required to conduct a reasonable reinvestigation. If the furnisher cannot provide legally sufficient verification, this item must be deleted.\n\n\nI am demanding an immediate reinvestigation and removal of this account from my credit file. If the furnisher cannot provide:\n\t\tA copy of the original signed agreement showing my liability as the primary account holder, and\n\t\tComplete payment history with accurate balances,\n\nthen this account must be deleted immediately under FCRA  611(a)(5).\n\nFailure to comply will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office for willful noncompliance. I also reserve my right to pursue civil remedies under FCRA  616 and  617.\n\nPlease provide written confirmation of your reinvestigation and results within the statutory 30-day period.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: MI

Complaint narrative:
I request that the wrongly attributed accounts be removed within 15 days in compliance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am having a problem getting my annual free Lexis Nexis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Klarna AB
State: NY

Complaint narrative:
A fraudulent account was opened with Klarna using my personal information without my consent. I discovered this account on my credit report on XX/XX/year>. The account has a balance of approximately {$2400.00} from a purchase made on an unknown date. I have never been a customer of Klarna and did not authorize this account or any purchases associated with it. I have already contacted Klarna 's customer service to report the fraud. I have a strong credit history and have always paid my credit cards and other loans on time. This fraudulent account is not a reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I have an FHA mortgage with XXXX that was sold to Planet Home Lending. 

Earlier this year I switched Home Insurance companies. The original insurance company sent me a refund since they were paid for the year. I immediately sent that full amount back to XXXX to be placed back into my escrow account. In error, they applied this amount to the principal balance instead of placing it into the escrow account. 

Shortly afterwards they sold the account to Planet Home. Planet Home is now demanding that I repay this back into the escrow account. They offered to split it into 24 monthly payments and later reneged sending a letter stating that they will not. 

I am a small business owner during a very slow time and having a difficult time paying it on time as it is. I can not afford to add to my payment due to their error. Again, this has already been paid, it was just applied incorrectly to the principal instead of the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to login to the consumer facing portal of Equifax 's website. Although I have not attempted to login to my account for sometime, a message popped up after populating my password indicating that my account was locked. I called XXXX as instructed by Equifax 's message and could not gain access or a technical point of contact to resolve the issue. The representative stated, " I'm sorry but our XXXX / XXXX team is not accepting calls at this time. '' Additionally, I'm concerned with Equifax 's method of XXXX and general handling of consumer PII. Where typically a text or e-mail code is sent as a means of first line XXXX, my SS # was requested. The representative did not at this point ask my name or details their XXXX XXXX XXXX pull up as tied to my phone number tied to my account and the line I called from.

Company response to consumer: Closed with explanation