vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I am disputing a XXXX collection account that appears on my TransUnion credit report. The debt was sold to XXXX, and I paid {$55.00} on XX/XX/year>, to settle the account. XXXX agreed by phone that the account would be deleted from my credit report after payment, but it remains listed on TransUnion. 

XXXX was inconsistent and inaccurate with the amounts owed. They emailed a total due of {$130.00} and a settlement offer of {$69.00}, but I paid {$55.00}. At no point did the account accurately reflect the original XXXX bill. 

Additionally, another agency, XXXX XXXX emailed me claiming a balance of {$120.00} for the same XXXX debt, which is incorrect. XXXX never reported the account to any credit bureau, but it shows that the account information has been handled inconsistently. 

I am requesting that TransUnion delete the negative XXXX collection account entirely from my credit report to reflect that it was fully paid and settled, and that they investigate any inconsistencies caused by XXXX and XXXX to ensure all related accounts are accurate.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

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 with the Consumer Financial Protection Bureau ( CFPB ) regarding ALLY FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. ALLY FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

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 with the Consumer Financial Protection Bureau ( CFPB ) regarding SELF FINANCIAL/LEAD BANKs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SELF FINANCIAL/LEAD BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

SELF FINANCIAL/LEAD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

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 with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXXXXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022, I purchased a used vehicle from XXXX XXXX XXXX. During the financing process, I was explicitly denied the opportunity to review the documents before signing. I requested to physically sign the paperwork ( wet signature ), but the finance manager informed me that the finance company ( Westlake Financial ) required digital signatures only and that if I didnt agree, they would not sell me the car. 

As a result, I was only allowed to sign once on a digital pad, and that same signature was used on every page of the loan documents without my knowledge or consent. I have since reviewed the paperwork and can confirm this. I also had a witness present who can attest to the fact that I asked to read the contract and sign in ink, but was denied. 

At the time, I trusted that everything was done properly and was in a situation where I had to buy a car and felt like I didn't have a choice. However, I recently began reviewing my auto loan and was alarmed to find that I still owe a substantial amount after three years of payments. This led me to revisit the original contract and realize that the vehicle, which was advertised at approximately {$14000.00}, somehow resulted in a total sale amount of over {$20000.00} after financing, including an interest rate of 24.29 % and a monthly payment of {$270.00}. 

I originally believed I was only financing around {$10000.00} after my {$4000.00} down payment. The math didnt add up, which prompted me to investigate further. Thats when I realized that I had been misled and that what happened may have violated federal consumer protection laws. 

The dealership is now under different ownership, but the loan is still active with Westlake Financial, who is benefiting from a contract that was not signed with informed consent or transparency. 

I am submitting this complaint to seek accountability for the deceptive and coercive practices used to obtain my signature and finalize this sale without proper review or understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

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. This is a formal complaint against TOYOTA MOTOR CREDIT a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifical

ly 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2025-09-22 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXX Account # : XXXXXX/XX/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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MS

Complaint narrative:
I am disputing an inaccurate car loan account reported by a lender to a credit reporting agency. On XX/XX/year>, I received a paid-in-full letter confirming the loan was fully satisfied. Despite this, the account continues to show an outstanding balance, which is factually incorrect and damaging to my credit. 

I have contacted the lender multiple times requesting correction, but the account remains inaccurately reported. This continued misreporting violates the Fair Credit Reporting Act ( FCRA ) and may negatively impact creditworthiness.

I am requesting immediate action : the account must be updated to reflect that it is paid in full, and all relevant credit reporting agencies must be corrected. Supporting documentationincluding the paid-in-full letter, payment receipts, and bank statements confirming the final paymentis attached.

Prompt correction is essential to prevent further harm, and I expect the lender and reporting agencies to take swift action to resolve this issue.

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 2025-09-22 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: MS

Complaint narrative:
I am disputing an inaccurate car loan account reported by a lender to a credit reporting agency. On XX/XX/year>, I received a paid-in-full letter confirming the loan was fully satisfied. Despite this, the account continues to show an outstanding balance, which is factually incorrect and damaging to my credit. 

I have contacted the lender multiple times requesting correction, but the account remains inaccurately reported. This continued misreporting violates the Fair Credit Reporting Act ( FCRA ) and may negatively impact creditworthiness.

I am requesting immediate action : the account must be updated to reflect that it is paid in full, and all relevant credit reporting agencies must be corrected. Supporting documentationincluding the paid-in-full letter, payment receipts, and bank statements confirming the final paymentis attached.

Prompt correction is essential to prevent further harm, and I expect the lender and reporting agencies to take swift action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am a victim of identity theft and I am in the process of fixing my identity theft issues but I am having a very difficult time doing so due to the non compliance of the CRAs and their bad business practices which is the reason for the lack of transparency and the lack of accountability which is very irresponsible considering the fact that my livelihood is literally in the hands of the CRAs in whom I dont trust because of their actions towards me and my identity. I dont trust any CRAs because they repeatedly lied to me about a fraudulent account that does exist being linked to my social security number and not only that but they deleted information that I yet didnt have the time to dispute or even have access to and along with the fraudulent accounts theres a collection that was deleted as well that actually belongs to me. I have tried numerous times to fix my problem with the 3 CRAs and they all failed to fix my issue because they all ignored my request for a Full File Disclosure which is the only way that I can actually fix my issue because a disclosure reveals the identity of the person who opened and closed accounts whether fraudulent or not. It is the Full File Disclosure that is going to expose all the fraud in detail and its also going to expose the truth about the CRAs and their corrupt practices which they have done unto me. I have asked for a Full File Disclosure from Equifax, XXXX XXXX XXXX for going on months now and they somehow managed to make it all about a credit report which is the exact opposite of what a Full File Disclosure is and every employee who works at the CRAs should know exactly what the difference is between those two because it is very detrimental for consumers livelihood given the fact that my whole identity is wrapped around my Credit Score, my credit reports and my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I was forced to resign from a XXXX XXXX with XXXX due to fraudulent occurrences with XXXX at the facility. I also explained to them that due to federal mandates of Covid as a state of emergency, the contract was no longer viable due to the national emergency and uncertainty across the nation. I handed in a resignation letter detailing this fraud and suddenly after 5 years, they emerged with an unexpected debt from Cornerstone XXXX XXXX. I contacted the agency and explained that if this was a true debt it should be submitted through the credit bureau agency. I also received sudden unpaid medical debt from the same company with a date of service back in 2019, way passed the statuteof limitations for billing from privatedoctors ( 3 yrs ). I think that i am being targeted by this company for debt that I do not truly owe and I think they are engaging in fraudulent practices by bypassing the credit bureau agency to collect debts. They are instead only sending letters. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: LA

Complaint narrative:
Didn't know about the debt until it showed up on my credit report. It was some random bill that I told them I didn't owe from when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if I ever wanted to XXXX  again. Didn't get the XXXX for 6 months because the Texas hospital ( that I paid for with cash ) couldn't do the XXXX without a XXXX down payment. So they wrote a wrong referral to XXXX XXXX in XXXX and I got my XXXX XXXX XXXX XXXX placed about 6 months after the initial accident. I was told Medicaid would pay for everything, and have no clue what the bill is for or why its on there or that I even owed it. For reference I XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am 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 submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX and XXXXXXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
My credit report contains negative information that is more than seven years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
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

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 2025-09-22 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: NY

Complaint narrative:
My credit report contains negative information that is more than seven years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
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

Company response to consumer: Closed with explanation