vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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 hope this complaint finds you well. I am submitting this because, recently, as I sat down to review my financial records and check the status of my credit report, I came across several entries that genuinely surprised and confused me. What began as a simple effort to ensure that my credit file remained accurate and up-to-date quickly turned into a moment of concern when I discovered multiple accounts listed in ways that did not make sense. As I continued reading, it became clear that several items needed closer examination, and I am reaching out to request your assistance in correcting what appears to be inaccurate, duplicated, or unverifiable information in my file. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$980.00} XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} Under the Fair Credit Reporting Act ( FCRA ), I know that I am entitled to a credit report that reflects information that is accurate, complete, and verifiable. Sections 602 ( A ), 607 ( B ), and 611 of the FCRA make it clear that is responsible for maintaining maximum possible accuracy, and that I have the right to dispute any item that I believe may be inaccurate or incomplete. Seeing identical accounts listed multiple times, with the same account numbers but different balances, made me feel that the information being furnished about me might not have been thoroughly reviewed or verified before being placed on my report.

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 2025-11-15 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like all of these accounts to be removed from my credit report 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 2025-11-15 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: FL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago.

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence.

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-15 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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: CBC Companies, Inc.
State: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes XXXX XXXX Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX XXXX  : XXXX  last reported XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or 30/60/90-day markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : XXXX  | XXXX | XX/XX/XXXX XXXX  | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contain unverifiable or inconsistent data.

I demand a full Method of Verification ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation.

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified.

Personal Information Hygiene : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Inconstancies with this debt. This should not be on my report. I have attached proof. I had communicated this to American Credit Acceptance numerous times with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
XXXX am submitting this formal request for blocking of inaccurate address information currently appearing on my credit or consumer file. This request is made under the Fair Credit Reporting Act (FCRA) Section 605B, which requires consumer reporting agencies to block information that the consumer identifies as inaccurate or the result of identity theft within four (4) business days of receiving proper notice and documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2025-11-15 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: NJ

Complaint narrative:
XXXX am submitting this formal request for blocking of inaccurate address information currently appearing on my credit or consumer file. This request is made under the Fair Credit Reporting Act (FCRA) Section 605B, which requires consumer reporting agencies to block information that the consumer identifies as inaccurate or the result of identity theft within four (4) business days of receiving proper notice and documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an auto loan account that appears on my credit report, which I believe is the result of identity theft. I have no knowledge of this account and did not authorize or initiate any loan with Lendbuzz Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I am writing to formally dispute the reporting of late payment information on two accounts that inaccurately reflect my payment history. These discrepancies misrepresent my financial responsibility and creditworthiness, and I am requesting that the records be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 
The XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, currently shows a balance of {$20000.00} and a 60-day late payment as of XX/XX/XXXX. According to my verified records, all payments on this account were made on time and in full, and there was no interruption, delay, or delinquency that would justify a 60-day late mark. This erroneous reporting is misleading and negatively impacts the accuracy of my credit profile. Under FCRA 607 ( b ), furnishers are required to report only accurate and complete information, and under FCRA 623 ( a ) ( 1 ) ( A ), they must not report information they know or have reason to believe is inaccurate. I am requesting that this late entry be corrected and updated to accurately reflect my verified payment history. 
Additionally, XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a closed account opened XX/XX/XXXX, shows a late 30-day payment on XX/XX/XXXX, despite my records confirming timely payments throughout the account period. This account was properly closed with a {$0.00} balance, and the reported late mark is inconsistent with the documented payment history. Such inaccuracies violate FCRA 611 ( a ), which provides consumers the right to dispute and have unverifiable or incorrect information corrected, and FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly update inaccurate or incomplete information once identified. 
The presence of these inaccurate late marks has the potential to negatively affect my creditworthiness and financial reputation. Accurate reporting of payment history is a legal requirement, and any discrepancies must be promptly corrected to reflect true account activity. I am requesting that both accounts be corrected and updated to show accurate payment histories, reflecting timely payments and the proper status of the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Issue : XXXX Claim Dispute & Failure to Provide Required Documentation What happened : I had a total loss on my XXXX XXXXXXXX XXXX. My insurance company paid {$30000.00}. 
Lexus Financial Services ( Toyota Motor Credit Corporation ) said XXXX only paid {$1400.00}, leaving a remaining balance of {$7300.00}. 

However, despite multiple requests, Lexus Financial refused to provide the required XXXX documentation, including : Full XXXX claim calculation Itemization of covered and non-covered amounts Denial reasons XXXX  claim worksheet Explanation of how the remaining balance was calculated Every time I contacted customer service, they said they can not access XXXX claim details or told me nothing could be provided. Without this documentation, I can not verify whether XXXX was correctly processed. 

As a result : Lexus Financial charged off the remaining {$7300.00} and reported it to the credit bureaus, severely damaging my credit and affecting my ability to refinance a vehicle. 

Why I am filing this complaint : Lenders are required to provide XXXX claim documentation upon request. Lexus Financial has repeatedly refused, which prevents me from confirming whether the XXXX claim was properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood restricted my XXXX XXXX brokerage account for unusual activity on XX/XX/XXXX and effectively locked my ability to deposit, withdraw funds, transfer to pay off my Robinhood XXXX  credit card, or open new positions.

They requested verification documents which were promptly provided and sent in for review. 

On XX/XX/XXXX they extended the review by requesting the same documents which they had already marked as accepted. 

Attempts to text, email, and request call backs have been blatantly ignored.

Robinhood Username : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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 hope this complaint finds you well. I am submitting this because, recently, as I sat down to review my financial records and check the status of my credit report, I came across several entries that genuinely surprised and confused me. What began as a simple effort to ensure that my credit file remained accurate and up-to-date quickly turned into a moment of concern when I discovered multiple accounts listed in ways that did not make sense. As I continued reading, it became clear that several items needed closer examination, and I am reaching out to request your assistance in correcting what appears to be inaccurate, duplicated, or unverifiable information in my file. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$980.00} XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} Under the Fair Credit Reporting Act ( FCRA ), I know that I am entitled to a credit report that reflects information that is accurate, complete, and verifiable. Sections 602 ( A ), 607 ( B ), and 611 of the FCRA make it clear that is responsible for maintaining maximum possible accuracy, and that I have the right to dispute any item that I believe may be inaccurate or incomplete. Seeing identical accounts listed multiple times, with the same account numbers but different balances, made me feel that the information being furnished about me might not have been thoroughly reviewed or verified before being placed on my report.

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 2025-11-15 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: NV

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA s 605 B ( 15 U.S.C. s 1681c - 2 ) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate and false information consists of personal account and several fraudulent inquiries ( XXXX XXXX XXXX and XXXX XXXX XXXX ). I've attached a list of the hard inquiries that are fraudulent that need to be deleted and a attached copy of my FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year>, I deposited a check payable to me in the amount of {$100000.00} through Bank of America. 

BOA subsequently lost the check, and the funds never appeared in my account. 

A case was opened in early XX/XX/year>, but despite repeated follow-ups, I received no meaningful progress or resolution. 

After months of waiting, BOA merely informed me that the check was deposited at XXXX, without providing any proof, refund, or corrective action. 

I was told simply to wait while BOA communicates with XXXX. 

This level of inefficiency and lack of accountability is unacceptableespecially given that a check issued to me was paid out to someone else, which is a violation of the banks obligations.

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 monetary relief
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX Balance- XXXX XXXX XXXX XXXX Balance {$16.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Late 60 days XX/XX/XXXX, XX/XX/XXXX, XXXX 90 days XX/XX/XXXX, Late 120 days XX/XX/XXXX -tied up

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