vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Target circle card ( TD Bank ) XXXX : Back in XXXX XXXX, I was out of work and had to get on a payment plan with Target. I got approved for the payment plan. {$150.00} was supposed to come out of my bank account on XX/XX/XXXX. Instead, they withdrew {$350.00} from my bank account on XX/XX/XXXX for an auto-pay that was not authorized. Then proceeded to also take out the {$150.00} on XX/XX/XXXX. Resulting in a {$30.00} overdraft fee with my bank. Which also resulted in me not being able to pay all of my bills. I requested a refund for the overcharge ( {$350.00} ) on XX/XX/XXXX. XXXX granted the refund and said they were mailing a check. I never received this check. On XX/XX/XXXX they reissued a check. Still did not receive a check. Today, XX/XX/XXXX I was told by a supervisor named XXXX that they will reissue the check again and once again I have to wait XXXX business days. My address on file is correct. They do not have any documentation proving that they are actually refunding me. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently viewed my consumer report and saw two collection accounts. I have no knowledge of these accounts, PLEASE REMOVE

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 2025-12-16 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I am having an issue getting my consumer report from XXXX XXXX, Chex Systems XXXX XXXX, and XXXX XXXX. I want XXXX XXXX, Chex Systems and XXXX XXXX to mail me a complete copy of my consumer report and add the following personal information to my XXXX XXXX, Chex Systems and XXXX XXXX Consumer Report : Employment Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX, Phone Number : ( XXXX ) XXXX, Position : Transportation Director, Annual Salary : {$120000.00}, Monthly Income : {$10000.00}, Banking Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Iowa XXXX, Phone Number : ( XXXX ) XXXX, Bank Routing Number : XXXX, Bank Checking Account Number : XXXX, Current Balance : {>= $1,000,000} ( {$2.00} Million ), Current Available Balance : {>= $1,000,000} ( {$2.00} Million )

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 2025-12-16 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: LEXISNEXIS
State: IA

Complaint narrative:
I am having an issue getting my consumer report from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and Lexis Nexis. I want XXXX XXXXXXXX XXXX XXXX and Lexis Nexis to mail me a complete copy of my consumer report and add the following personal information to my XXXX XXXXXXXX XXXX XXXX and Lexis Nexis Consumer Report : Employment Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX, Phone Number : ( XXXX ) XXXX, Position : Transportation Director, Annual Salary : {$120000.00}, Monthly Income : {$10000.00}, Banking Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX, Phone Number : ( XXXX ) XXXX, Bank Routing Number : XXXX, Bank Checking Account Number : XXXX, Current Balance : {>= $1,000,000} ( {$2.00} Million ), Current Available Balance : {>= $1,000,000} ( {$2.00} Million )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-16 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: IA

Complaint narrative:
I disputed multiple accounts on my TransUnion credit report that contain inaccurate account information. These disputes were submitted both directly to TransUnion and to the original furnishers on multiple occasions over several months. 

After each dispute, TransUnion responded that the information was verified, but did not correct the inaccuracies. Following these responses, I formally requested the Method of Verification ( MOV ) under the Fair Credit Reporting Act, including how the information was verified, who verified it, and what documentation was used. 

TransUnion did not provide the requested MOV details. Instead, the disputes were again marked as verified without meaningful explanation or evidence. My most recent dispute and MOV request was submitted approximately 20 days ago, and no proper verification information has been provided. 
I have made repeated good-faith efforts to resolve these inaccuracies through the proper dispute process. TransUnions failure to provide a valid Method of Verification prevents me from confirming whether the disputed information was verified in compliance with the Fair Credit Reporting Act. As a result, inaccurate information continues to be reported and is harming my credit profile.

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 2025-12-16 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 disputing several unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorized these accounts and inquiries. Nor did i give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-16 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
My credit report reflects an account that is erroneous and not mine. I request a complete investigation and deletion.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/year> received a notification via credit monitoring a decrease on credit amount took place. Account never had late or missed payments. I paid account in full and without any warning or notification limit was severely decreased

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 2025-12-16 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-12-16 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: IN

Complaint narrative:
BANKRUPTCY CASE NO : XXXX Failure to Reinvestigate & Continued Reporting of Known Inaccuracies I am filing this complaint against the consumer reporting agencies for continued reporting and verification of inaccurate credit information despite repeated disputes and clear notice. 

The account at issue ( XXXXXXXX XXXX XXXX XXXX XXXX  was included in and discharged through XXXX XXXX  bankruptcy. Despite this, the credit reporting agencies have continued to report and/or verify pre-discharge information that is inaccurate and misleading.

For nearly one year, I have submitted multiple disputes requesting correction. Instead of ensuring accuracy, the agencies have re-verified information that has been changed more than four ( 4 ) times by the furnisher, each time continuing to reflect inaccurate balances, statuses, or payment history that can not legally be reported after bankruptcy discharge.

Re-verifying information that repeatedly changes does not satisfy the requirement of a reasonable reinvestigation. The agencies have failed to independently evaluate accuracy and have continued to publish information that falsely implies a legally enforceable obligation. 

As a direct result of this ongoing inaccurate reporting and failure to reinvestigate, my credit score has declined by approximately sixty ( 60 ) points, causing measurable financial harm, loss of credit opportunities, and increased cost of credit.

The credit reporting agencies were placed on notice through : Multiple consumer disputes Furnisher inconsistencies ( 4+ reporting changes ) Bankruptcy discharge documentation Despite this notice, the agencies continued to publish and verify inaccurate information, demonstrating a failure to maintain reasonable procedures to assure maximum possible accuracy. 


-- - REQUESTED RESOLUTION I am requesting that the credit reporting agencies : XXXX. Immediately delete the XXXXXXXX XXXX XXXX  account from my credit reports XXXX. Cease verification of information that has repeatedly changed and is demonstrably inaccurate XXXX. Conduct a proper reinvestigation consistent with the Fair Credit Reporting Act XXXX. Provide written confirmation of correction or deletion

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
WRONGFUL AUCTION AFTER REINSTATEMENT Finance Company : Exter Finance Company Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Repossession Agent : XXXX XXXX XXXX XXXX On XX/XX/XXXX, my vehicle was repossessed. I immediately contacted Exter Finance to reinstate the loan. I was told the reinstatement amount was {$510.00} and advised that paying on XX/XX/XXXX would be acceptable. I was informed that once payment was made, the vehicle release would take 2448 hours, and that the remaining two months would be added to the end of the loan. According to the documents that was sent on XX/XX/XXXX stated that I had until XX/XX/XXXX to reinstate to redeem my car as well as the intent to sell which also stated XX/XX/XXXX. 
On XX/XX/XXXX, I paid the full reinstatement amount and signed reinstatement documents sent by Exter Finance. I was instructed to wait before scheduling vehicle pickup.

Despite accepting my reinstatement payment and documentation, I later learned that Exter Finance sent my vehicle to auction on XX/XX/XXXX, the same day payment was accepted. I was never informed that the vehicle was scheduled for auction, nor was I provided advance notice of sale. 
When I contacted Exter Finance, a representative stated that the company can do that and falsely claimed I had been told the vehicle could go to auction at antime, which is untrue. 
As a result : My vehicle is now at an auction facility My personal belongings remain at the repo lot My license plates were removed without explanation I am being forced to miss work and make multiple appointments due to Exter Finances actions I believe Exter Finance engaged in misrepresentation and improper repossession practices by accepting reinstatement payment and then transferring the vehicle to auction. I am requesting CFPB assistance to require Exter Finance to reverse the auction, release my vehicle, and correct my account. The elite towing and recovery company and Exter finance company actions is unacceptable. Both companies shall be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please update my account by removing the inaccurately reported late payment and reflecting a positive payment record.

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