vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX, CA XXXX Address Issue : This address is not mine and is inaccurately associated with my credit file Law : FCRA 602A, 609 ( c ) ( 2 ) ( E ), 611 ( a ) ( 1 ) ( A ) Story : I have never lived at or been associated with this location and its inclusion on my report is an error that may have linked me to accounts or inquiries that do not belong to me and is damaging my credit profile XXXX XXXX XXXX, OH XXXX Address Issue : Incorrect address reporting violates accuracy standards under FCRA Law : FCRA 607 ( b ), 611 Story : This location is unknown to me and I have no relationship to this address past or present so it must be removed from my report immediately as it contributes to identity confusion and false associations Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been largely debt free since last winter. In spite of that my credit score keeps going down. I'm at 0 % utilization now and my score dropped again. That gave me a very good instead of exceptional rating for utilization. How would I get rated as exceptional? Is there something less than 0 %?

I applied for an XXXX credit card with XXXX with the assurance that that would not affect my credit score and my score dropped XXXX points because of it. I was told there's nothing I can do about being lied to. If I had known it was a lie I wouldn't have applied, I didn't need it and have plenty of available credit. I'd like to make some sense out of this. The lower my debt goes, my score follows. 

I have no recurring debt and have paid any short term credit card balances to the point where they are XXXX and the score still drops. I should have a near perfect score. What else am I supposed to do?

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 2025-07-16 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: MD

Complaint narrative:
I've been largely debt free since last winter. In spite of that my credit score keeps going down. I'm at 0 % utilization now and my score dropped again. That gave me a very good instead of exceptional rating for utilization. How would I get rated as exceptional? Is there something less than 0 %?

I applied for an XXXX credit card with XXXX with the assurance that that would not affect my credit score and my score dropped XXXX points because of it. I was told there's nothing I can do about being lied to. If I had known it was a lie I wouldn't have applied, I didn't need it and have plenty of available credit. I'd like to make some sense out of this. The lower my debt goes, my score follows. 

I have no recurring debt and have paid any short term credit card balances to the point where they are XXXX and the score still drops. I should have a near perfect score. What else am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
When I checked my credit report today as part of my regular routine, I noticed some unexpected inaccuracies. I refreshed the page hoping it was only a technical error, but the incorrect accounts were still there. Because of this, I am asking for a thorough review of the documents Ive provided to resolve this matter once and for all.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

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 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 explanation
Consumer complaint received 2025-07-16 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:
I am submitting this complaint to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address Issue : This address is not accurate and may cause misattributed liabilities Law : FCRA 605B, 609 ( c ) ( 2 ) ( E ), 611 ( a ) Story : I have never lived at this apartment and the reporting of this location threatens the accuracy of my credit file and could result in mixed file errors or misreported debts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address Issue : This address is unfamiliar and its presence is a violation of accurate reporting requirements Law : FCRA XXXX ( b ), XXXX Story : I have never resided at this address and it appears on my credit report without my authorization or relation which constitutes a clear violation and requires deletion XXXX XXXX XXXXXXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$7600.00} Account Type : Collection Issue : I do not recognize or owe this debt and it was added without proper validation or consent Law : FCRA 609 ( a ), 611 ( a ), FDCPA 809 ( b ) Story : I have never received any notice regarding this debt and was never provided any proof or verification of it this account was reported without my knowledge or consent and must be deleted unless full validation documents including original contract and itemized billing are provided Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-07-16 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. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-07-16 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: WA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-07-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed a collection account that does not align with my credit history or records. I did not open or authorize this account and dispute its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since my data information was breeched by XXXX and XXXX i went to all 3 credit bureas to freeze my accounts. Since then i have been getting emails from Experian and other places for different products.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXXXXXX  A Friend name XXXX XXXX was selling a car but found out after wards It was a scam after transferring XXXX dollars On my Wells Fargo account on XX/XX/2025 through XXXX Confirmation # XXXX The email Enrolled for XXXX Is XXXX XXXX. And after an hour or less I called Wells Fargo to file a claim # XXXX and was told that we will investigate the claim and let you know in 2 weeks or so. I also called XXXX To file a claim on XX/XX/2025 and was told there department will investigate # XXXX.I have photos of car and communication from XXXX and Tex messages If needed. 

Thank You 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
As everyone knows, in XX/XX/year> XXXX XXXX was struck by XXXX XXXX. I have noticed on my XXXX XXXX XXXX XXXX  credit reports a XXXX delinquency mark corresponding to XX/XX/year>. According to my records and previous communications with your institution, during that period I was under a forbearance granted by Banco Popular as part of the assistance program after XXXX XXXX. For that reason, it should not have been reported as a negative delinquency, since the forbearance agreement temporarily suspended payments without penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I made agreement with Americans Express to pay pass debt and in that agreement Once I made the agreement to pay two amounts to settle my debt once the debt was settled it was agreed to delete this from my credit report that did not happen it is reported that account closed and balance is XXXX dollars the agreement was that account would be deleted American Express falsely chose to report inaccurate information to the credit bureaus that has affected me from getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Company : Toyota Financial Services Account number : XXXX VIN Number : XXXX I bought a XXXX XXXX XXXX at the XXXX XXXX in XXXX. The car was financed by Toyota Financial Services. 

I paid off the car loan in XX/XX/XXXX. When I did not receive the car title until XX/XX/XXXX I called Toyota Financial Services customer service number and enquired about the title. Toyota financial services representative told me that they have mailed the title to me. I said I never received it and asked them to check and send me the title. The representative told me that they will send me a letter that I should take to the Illinois XXXX of XXXX and get duplicated title issued. I told them that they are responsible for providing me the title upon payment of the loan. They should fulfill their responsibility. They have refused. XXXX secretary of XXXX has made it extremely difficult to access services at their offices. They only allow customers who have appointments. Their online appointment system does not work efficiently and it is extremely difficult to get the appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

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 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