vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
My son had an account with XXXX XXXX XXXX approximately XXXX years ago, and given his XXXX XXXXXXXX did not understand that he was signing a contract that could potentially cause damage to his credit if left unpaid. 

They attempted to contact him in XXXX, however, he was out of the country visiting family for a few months and had left the phone with me. 

When he returned, he was notified of the debt and shown that he could potentially be referred to for credit review. He paid immediately, and then was sent to collections XXXX days following payment. 

To be clear, he is XXXX XXXX, and not in a position to sign any kind of contract. 

XXXX XXXX tried to recall the debt after we spoke with a lawyer who informed me that it would be our best bet. So, with a script that I had proposed, he contacted both XXXX XXXX and Aldous and Associates. XXXX XXXX, as stated above, attempted to recall the debt. 

Aldous and Associates refused as the account was paid for, thus, closed on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-23 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Against I.Q. Data XXXX XXXX XXXX for Violation of FDCPA No Response to Debt Validation Request To Whom It May Concern, I am filing a formal complaint against I.Q. Data XXXX XXXX XXXX, located at XXXX. XXXX XXXX, XXXX, WA XXXX, for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I sent a written request to I.Q. Data XXXX XXXX XXXX requesting validation of a debt they allege I owe. My request was sent via certified mail and included a demand for documentation as required under 15 U.S.C. 1692g.

According to the FDCPA, once a consumer disputes a debt and requests validation, the collector must cease all collection activities and provide verification of the debt before resuming any effort to collect or report the debt to credit bureaus.

As of today, more than 30 days have passed, and I have received no response, documentation, or verification from I.Q. Data XXXX. This is a direct violation of federal law. 

I am requesting that the CFPB investigate this matter and take appropriate action to enforce compliance. I have attached the following supporting documents : A copy of my original debt validation letter Proof of certified mail delivery or tracking confirmation Thank you for your time and assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
To : TransUnion XXXX XXXX  Dispute Department Subject : Dispute of Inaccurate Credit Report Information Multiple Federal Violations Dear Representative, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, 1681b ( 2 ), 1681s-2 ( b ), 1681c-2, the Fair Debt Collection Practices Act ( FDCPA ) ( 1692e ), the Gramm-Leach-Bliley Act ( 15 USC 6802 ), and 18 USC 1028a regarding identity misuse. 

I formally request a full investigation and deletion of the following items : XXXX. XXXX XXXX XXXX Account Number : TransUnion : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute Basis : Account was fully paid in XXXX, confirmed by official letter from the creditor. 

Yet it is still marked as Charge-Off with outstanding balance in XXXX  and TransUnion.

This violates 15 USC 1681s-2 ( b ) due to inaccurate post-payment reporting. 

Additionally, when I agreed to pay, I was not informed of the credit reporting impact, nor were my FCRA rights clearly disclosed violating 15 USC 1692e.

2. XXXX XXXX Account Number : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Basis : Current balance ( {$750.00} ) exceeds original approval ( {$600.00} ), which is factually incorrect. 

No date of last payment, no verified contract has been provided. 

I was not offered a clear, visible opt-out option, violating 15 USC 6802 .

Under 15 USC 1681b ( 2 ), there is no permissible purpose to retain or report inaccurate private information.

This may also violate 18 USC 1028a involving unauthorized personal data use.

If you can not legally verify these accounts with written, signed documentation, you are required to delete them within 30 days per federal law. 

Failure to do so will result in formal complaints to the CFPB, the FTC, and potentially legal action. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAFCO Finance
State: WA

Complaint narrative:
On or around XX/XX/XXXX, I visited XXXX XXXX of XXXX to look at a used XXXX XXXX XXXX XXXX with approximately XXXX miles on the odometer. I was told I could only test drive the vehicle within the dealerships parking lot because it had not yet undergone a safety inspection. During that short test drive, the check engine light came on. When I brought this to the attention of the dealership staff, I was told it was likely a mechanical sensor issue and would be resolved before sale. 

On XX/XX/XXXX, I finalized the purchase and financing of the vehicle through NAFCO ( National Auto Finance Company ). The dealership dropped the vehicle off at my residence after all documents were signed. Once I was finally able to drive it at regular road speeds, I immediately noticed a shaking issue when going over XXXX mph, a sign of possible transmission trouble, something that was not disclosed to me at the time of sale and couldnt have been caught during the restricted parking lot test drive. 

I contacted NAFCO shortly after the purchase to report the mechanical issues and asked if I could refinance or receive any support in light of what was happening. I was told no. I was not offered any mechanical assistance or refinancing options despite maintaining a XXXX credit score and never missing a payment for over a year. The only thing NAFCO offered was to remove the GAP coverage, which did not address the vehicles problems. 

On XX/XX/XXXX, I contacted XXXX XXXX of XXXX again. A representative named XXXX offered to tow the vehicle back to the dealership and said they would cover any repair cost above {$280.00}. He also offered to provide a loaner car while the transmission issue was being fixed. However, he also requested that I remove the negative online review I had posted about the situation. I left the review because I now have a newborn child, and this vehicle has been unreliable since day one. It has caused significant stress, and I have been without a functioning vehicle despite making consistent, timely payments. 

This dealership has numerous online reviews from other customers who also report receiving vehicles with hidden issues or mechanical failures. It is clear that XXXX XXXX of XXXX sold me a car with known problems. On top of that, NAFCO financed this vehicle without doing proper due diligence, and has repeatedly refused to assist, even after being contacted multiple times. 

This entire experience has been financially and emotionally draining, and both the dealership and the lender are refusing to take full accountability. I bought this vehicle in good faith, paid everything on time, and now Im left dealing with a major mechanical issue that I was not warned about and could not have reasonably discovered before purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am disputing the late payment on my TD Auto Finance account ( Account # XXXX ). This late payment occurred because I did not receive notice, as I was no longer residing at the address on file at the time. 

Please investigate and remove this late payment if it is inaccurate. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and 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 non-monetary relief
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and the items in question were not authorized by me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please remove the unauthorized information. I have attached a list of the disputed items along with my FTC Identity Theft Report for your review.

I appreciate your prompt attention and request written confirmation once the corrections are made.

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 2025-07-23 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
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 168XXXX. 

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 List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Signed up for a First Tech Credit Union checking account promotion. Terms stated that a {$300.00} bonus would be paid out after $ XXXX direct deposit was made, per month, for 3 consecutive months. The account was opened on XX/XX/year>. Direct deposits were sent on XX/XX/scrub>XXXX XXXX XXXX XXXX First Tech is claiming some some deposits didnt code correctly on their end. All deposits correctly coded on my end.

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 2025-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I submitted an application back on XXXX XXXX for discharge of my private loan. Per an email, that was received from XXXX on XXXX XXXX informing that I could qualify based on school misconduct. However, I received a denial letter on XXXX XXXX saying that I didnt qualify. However, I supplied documentation showing that my federal loans were XXXX with XXXX XXXX. The XXXX XXXX XXXX XXXX was included in the lawsuit for school with misconduct ( XXXX XXXX ). I have all documents showing my federal loans were XXXX under XXXXXXXX XXXX XXXXXXXX. Also, during this time frame a pilot program was introduced for private loans that were from those same institutions that could receive discharges. XXXXMohela both have refused to provide me with the correct documentation to get this matter resolved. I have contacted both and still get the run around regarding why my original documentation that was sent twice was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$1900.00} I never owned this card at all capitol one n.a

Company response to consumer: Closed with explanation