vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am very disappointed and frustrated because the unauthorized inquiries are still on my credit report today. They were not removed even after I refreshed my browser. I am demanding that the documents I sent be checked thoroughly so that this can be fixed immediately, giving me peace of mind.

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 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Report of Fraudulent Accounts and Identity Theft Dear [ Credit Bureau/Financial Institution ] , I am writing to formally report multiple fraudulent accounts opened in my name without my knowledge or consent. I have recently discovered that the following accounts were opened under my personal information : Nordstrom/TD Bank Date Opened : XX/XX/2021 I did not apply for or authorize the opening of any of these accounts, and I believe I am a victim of identity theft. As a result, I am requesting that these accounts be investigated, removed from my credit file, and that all necessary steps be taken to rectify this issue. 

For your reference, I have enclosed [ or : I can provide ] copies of my identification, proof of address, and any other documents required to begin an investigation into these fraudulent accounts. Additionally, I request that a fraud alert be placed on my credit report, and I am requesting a credit freeze to prevent any further unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I dispute charges from XXXX for a XXXX XXXX i got a fraud notification and reply back no and I got a response back stating the transcation was blocked and no funds were removed account there was XXXX charges removed from account I called chime XXXX XXXX filed a dispute and it ws denied I have attached the screenshots of the fraud notification replying to it as no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX and his group of employees have unlawfully accessed and obtained my personal and sensitive information for totally unknown reasons. Why was he allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
to : Mazda Financial Services XXXX. XXXX XXXX, XXXX, NY XXXX Subject : Urgent Inquiry Regarding Discrepancy in Monthly Payment - Account XXXX Dear Mazda Financial Services, I am writing to express my serious concern regarding an unexplained increase of {$290.00} to my monthly car payment, bringing my current bill to {$1000.00}. My original agreed-upon monthly payment is {$730.00}, as stipulated in my contract for account number XXXX, signed on XX/XX/XXXX. 
This sudden and significant increase, without prior notification or explanation, constitutes what I consider to be a breach of our contract. I have reviewed my financing agreement thoroughly and can find no provision that justifies this additional charge. 
I kindly request a detailed explanation for this {$290.00} addition to my monthly payment. Please provide documentation and a clear breakdown of these charges immediately. Furthermore, I expect my monthly payment to be adjusted back to the original agreed-upon amount of {$730.00} for all future payments. 
On your letter dated on XX/XX/XXXX ( notice of our plan to sell property ), you indicated the amount of {$2800.00} to be paid to release my car. I paid {$3000.00} on XX/XX/XXXX to Mazda Financial Services and paid {$230.00} for the storage facility on XX/XX/XXXX to XXXX XXXX. So, I do not understand the additional charges to my monthly payment contract. 
I have attached copies of my original contract and recent billing statements and recent letter dated on XX/XX/XXXX for your reference. I look forward to your prompt response and a swift resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint against Transunion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government- issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the 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 were fraudulent. Despite receiving this information, Transunion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Credit Report Dispute Inaccurate Information Dear CFPB, I am writing to dispute inaccurate information appearing on my credit report. I recently obtained a copy of my credit file from your bureau and found the following account that I do not recognize and have no relationship with : Creditor/Collection Agency Name : XXXX XXXX  Reported Balance : {$78.00} Date Opened/Reported : XX/XX/XXXX I have never had an account, contract, or financial relationship with this company. This debt does not belong to me and appears to be either an error or fraudulent reporting. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am formally requesting that this information be investigated and removed from my credit report immediately if the furnisher can not provide documented proof that I am legally responsible for this account. 

In addition, there are multiple errors of balances on my report that do not reflect accurate amounts. A late payment is also being reported under the name XXXX, which is incorrect because I have not been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Credit Report Dispute Inaccurate Information Dear CFPB, I am writing to dispute inaccurate information appearing on my credit report. I recently obtained a copy of my credit file from your bureau and found the following account that I do not recognize and have no relationship with : Creditor/Collection Agency Name : XXXX XXXX  Reported Balance : {$78.00} Date Opened/Reported : XX/XX/XXXX I have never had an account, contract, or financial relationship with this company. This debt does not belong to me and appears to be either an error or fraudulent reporting. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I am formally requesting that this information be investigated and removed from my credit report immediately if the furnisher can not provide documented proof that I am legally responsible for this account. 

In addition, there are multiple errors of balances on my report that do not reflect accurate amounts. A late payment is also being reported under the name XXXX, which is incorrect because I have not been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
My personal Information is incorrect on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-09-17 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report for Experian is showing XXXX XXXX as having a late payment. This information should be accurate and reported the same .If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

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 2025-09-17 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: MT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX -- {$20000.00} - Balance Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX -- {$44000.00} - Balance Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX -- {$11000.00} - Balance Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX -- {$5400.00} - Balance Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX -- {$11000.00} - Balance Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX -- {$10000.00} - Balance

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 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
'll start with this question : Can more than XXXX mortgage servicer be assigned to a loan at a closing on a house? On XX/XX/year> I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXX XXXX  at my closing, but Carrington Mortgage Services , LLC is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). Carrington, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX have somehow teamed up together to try to take my home from and sell it. Carrington Mortgage Services , LLC is a registered collection agency with the state of North Carolina, and I never signed a contract with them to do business. I have attached some documents and if I need to send additional information, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 submitting to formally dispute multiple entries listed on my Equifax, Experian and TransUnion credit report that I believe to be inaccurate, unverifiable, outdated, or otherwise misleading. These items are potentially in violation of the Fair Credit Reporting Act ( FCRA ), which guarantees my right to fair and accurate credit reporting. I request a reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) and removal of any information that can not be substantiated or corrected in compliance with federal law. 
XXXX XXXX XXXX  XX/XX/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  Bankruptcy XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Federal Date Filed/Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$6000.00} XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to find I had been a victim of identity theft I do not recognize this account please removed this account from my credit report is hurting my ability to obtain credit. Account XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PCR Group
State: MI

Complaint narrative:
I was notified by mail, that I was being sued by this company, of {$3500.00}. I asked the company for proof of sale, and the chain of assignment of the debt. They never reached back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX  {$12000.00} - Balance Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX {$8700.00} - Balance Account Name : DEPTEDXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX  {$12000.00} - Balance Account Name : DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX {$3700.00} - Balance Account Name : DEPTEDXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX {$27000.00} - Balance Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -- {$3300.00} - Balance Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief