vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Chronology of Events : XXXX XXXX XXXX XXXX IN and Alliant Credit Union I had NO contact with dealer on XX/XX/year> the loan is fraudulent. 

1. Order and Agreement ( XX/XX/year> ) : I submitted a buyer 's order with a {$1000.00} deposit to hold an RV priced at {$100000.00}. The agreement stated the deposit was non-refundable if I decided not to purchase after inspections. The vehicle was not ready for inspection at that time. 
2. Inspection and Purchase Day ( XX/XX/year> ) : I flew to Indiana for a scheduled XXXX XXXX  demonstration, which was delayed until XXXX XXXX. 
The financing process was plagued with delays. The loan officer was managing multiple clients, causing my application to be repeatedly pushed back. 
Despite my appointment, the dealership prioritized another customer with a smaller transaction ( {$10000.00} ) over my deal. 
Serious Privacy Breach : The loan documents sent to the bank and me contained another client 's personal information, including her Social Security number. 
The signing process was chaotic. The loan officer attempted 3-4 times to print correct documents but failed and left. The General Manager ( GM ) took over but also could not produce accurate paperwork. The documents contained errors, including an incorrect address. Under pressure and focused on these errors, I did not notice the loan date was also incorrect. 
After over 8 hours at the dealership, I left with a promise that corrected documents would be sent later. I possess signed documents from the GM dated XX/XX/year>. 
I completed the down payment via wire transfer, credit card, and cash around XXXX 3. Post-Purchase Issues : The title work was delayed and took an additional two weeks to complete. 
The bank set the first loan payment due for XX/XX/year>, based on an incorrect loan origination date of XX/XX/year>. 
I never signed any documents on or before XX/XX/XXXX, nor was I contacted about a loan starting on that date. 
- My odometer and title doc were signed by someone else and their SSN information was submitted with the loan. 
- Then her info was sent to me with is a breach in XXXX. I don't know if she was notified. 

The bank refused to redo the loan and I subsequently had to have it refinanced elsewhere. Incurring the cost of additional interest, loan fees, and title paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I am filing this complaint to fix inaccurately reported late payment on my LENDBUZZ account ( ending in XXXX ), which is currently being reported by Experian. I want to make it absolutely clear that I have never been late on this account, and the reporting of a delinquency is completely false. My payment history has been consistent and on time. This account needs to be corrected to show Pays as Agreed, as required under the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit score and affecting my ability to access essential credit. I am formally requesting that Experian and the furnisher ( LENDBUZZ ) conduct a full investigation and immediately correct this reporting. I am also requesting the CFPB 's assistance to ensure a full investigation into the inaccurate late payment, immediate correction or deletion of the erroneous information, an explanation of how the error occurred and what steps will be taken to prevent future inaccuracies, and that all parties involved, including the credit reporting agencies and the furnisher, comply with federal law in handling consumer disputes. This situation is causing unnecessary stress and financial harm, and I am asking the CFPB to ensure this account is updated accurately and quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My personal information was exposed in a data breach, and fraudulent accounts were opened without my knowledge or consent. I disputed these accounts with the credit bureaus and the furnishers, provided proof of identity theft, and requested that they be blocked and permanently removed under FCRA 605B ( 15 U.S.C. 1681c-2 ). Despite this, the accounts remain or continue to be reported inaccurately. This failure to block and correct violates FCRA 611 ( 15 U.S.C. 1681i ) requiring a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ) which requires furnishers to report accurate information. I am requesting CFPB intervention to enforce my rights and ensure these fraudulent accounts are blocked, deleted, and no longer reported

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 2025-09-23 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: MI

Complaint narrative:
I am submitting disputes related to inaccurate and fraudulent accounts being reported by TransUnion. These include late payment history that is inconsistent and unverifiable ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), as well as fraudulent/identity theft accounts ( XXXX XXXX XXXX XXXX I am also disputing an unauthorized inquiry from XXXX XXXX XXXX XXXX XX/XX/year>. I have attached my FTC Identity Theft Report, dispute letters, and supporting documentation. Under FCRA 605B and 1681i, I am requesting these items be deleted or corrected 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX AUTO - Account Number : XXXX * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Formal Demand for Removal of Student Loan Account ( s ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.

Code 1681 et seq.. It is also a demand for deletion of the following student loan account ( s ) due to a failure to provide proper legal authorization, verification, and disclosure. 
Violation of Privacy and Disclosure Requirements ( GLBA ) Per 15 U.S. Code 6802, financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : Clear written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA Incomplete and Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) and 1681s-2, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account. 
This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement. 
The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : DP OF EDUC Account Number : XXXX Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the Gramm-Leach-Bliley Act and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/25, I was notified that someone try to apply for Capital 1. I have no history with Capital 1 nor have I ever had any business with them. I was notified through several emails that someone is attempting to use my sensitive information. Please deny all access f this application, as I did not apply for this. Please allow this to reflect my account once corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have been calling them since last year when I became XXXX XXXX XXXX XXXX  XXXX They have received payments but still have not posted them to my account properly. Now I have been charged extra fees due to their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX ( XXXX ) appeared on my credit report. I applied for credit through XXXX XXXX, and the disclosure stated that a hard inquiry would only occur if I was approved. I was not approved, yet the inquiry was still made. 

Under the Fair Credit Reporting Act ( FCRA ), only accurate, complete, and verifiable information may remain on a consumers credit report. Because this inquiry was not authorized under the disclosed terms, I am requesting that it be removed. 

I have contacted XXXX, and they confirmed they will be mailing me a letter regarding my dispute. I am requesting CFPBs assistance to ensure that this inaccurate inquiry is removed from my credit report and that XXXX complies with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I had a XXXX XXXX credit card with a {$500.00} credit limit, opened on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I paid the account in full, and my reported balance is now {$0.00}. 

Despite paying the account in full, XXXX XXXX is still reporting late payments on my credit report for multiple months in XXXX and XXXX. These late payments are inaccurate and are negatively impacting my credit score.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a reason to believe that my personal information was compromised due to the recent Trans Union data breach. this race, a serious concern under the Fair Credit Reporting Act, as it and dedicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data pursuant to my rights under the FCRA 602, 607, 611, and the Gramm- Leach- Billey Act, I am formally requesting the immediate deletion of any accounts, inquiries or records that can not be fully and independently verify at the furniture level. Despite my previous disputes, Trans Union has failed to correct or delete the inaccurate information.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payments on this account ( XXXX XXXX Account Number : XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXXXXXX XXXX  ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The late payment noted is an anomaly when compared to my consistent payment record. I respectfully request its removal upon review.

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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My vehicle was repossessed back in XXXX Westlake financial stop communicating with me to give me the full balance on how much they sold it at auction and everything now they are threading to sue me and I have court in XXXX of this year of XXXX

Company response to consumer: Closed with explanation