vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I am reporting Toyota Motor Credit Corporation for refusing to provide me with a contract which was never received. Employees provided to cfpb a fraudulent and counterfeit document containing hypothecated, forged signatures and therefore I am reporting Toyota for trust fraud, securities fraud, banking fraud. Produce the following : S-3a registration statement with security and exchange commission granting them the authority with sec to buy and trade securities. 
Produce the XXXXXXXX XXXX XXXXXXXX call schedules which will show they moved their liabilities and my assets off their books. Produce the collateral deposit account for offset purposes to render, settle and close the account. Produce the verification of the deposit certificate. 
Produce the XXXX report involving an alleged loan over {$10000.00} where by law is required to be reported to the United States Treasury Department. Wheres the tax forms 1099 original issue discount and the W9 which shows that I am owed derivatives, interests, principle payments and derivatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 2025-07-23 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: AL

Complaint narrative:
My information was compromised and exposed in the Equifax data breach. My credit report and credit scores have tremendously suffer behind this matter. The following fraudulent accounts are showing on my credit report, XXXXXXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX  {$800.00}, XXXX XXXX XXXX {$1300.00}, XXXX  XXXX bankruptcy XX/XX/year>XXXX  {$0.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as mentioned under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1800.00} XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$2500.00} None of these accounts, collections, were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) I expect that TransUnion will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone else has full access to my Social Security Number ( SSN ) and is using it with Experian along with an email and phone number that I do not have access to. This unauthorized use is affecting my credit report and causing ongoing fraud. 
I initially reported this fraud directly to Experian. At first, they only offered to place a fraud alert and said I would be unable to open an account with them for 7 years. 
Because this was insufficient, I filed a complaint with CFPB. After that, Experian requested identification documents from me and promised to resolve the issue within 30 days. 
It has now been over two months since I submitted these documents, but Experian has not corrected the fraudulent information nor secured my credit file. 
I am submitting this complaint again because the problem persists and I urgently need assistance to ensure a proper investigation and resolution.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Capital One Business credit card with a {$3000.00} limit for my small business. I used most of the credit to pay for my business insurance. Since then, Ive been charged an outrageous monthly interest of around $ XXXX per month, even when I make payments. These interest charges barely allow me to pay down the balance it feels like Im trapped in a debt cycle. 

Im now paying $ XXXX, and most of that goes to interest, not principal. I do not withdraw cash from the card, yet Im charged a $ XXXX  monthly fee as if I did. I believe theyre coding my business expenses in a way that mimics cash advances, which is not transparent and might be deceptive. 

My current balance is around {$2600.00}, and despite my payments, Im seeing almost no real progress on paying it down because of excessive and possibly unfair interest charges. I feel this may constitute predatory lending or unfair practices under the Truth in Lending Act ( TILA ).

This type of setup is setting up small business owners like myself to fail. Im requesting an investigation and for Capital One to justify these monthly fees and interest rates. I also want a breakdown of how these fees were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and outdated information being reported on my credit file by Experian and the furnishing creditor ( Account XXXX XXXXXXXX ). 

XXXX. The account status shows {$490.00} past due as of XX/XX/XXXX, yet the last status update is listed as XX/XX/XXXX. This is inaccurate, as no account can reflect a XX/XX/XXXX status if not updated since XXXX. 

XXXX. The account shows " XXXX '' ( collection ) every month from XXXX through XXXX. This gives the misleading impression that the account is being newly reported delinquent monthly, which appears to be unlawful re-aging and violates 15 U.S.C. 1681e ( b ). 

XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not clearly listed, which is necessary to determine the XXXX reporting period and is required by 15 U.S.C. 1681c. 

As a result of this inaccurate reporting, I was denied credit. Ive submitted disputes to both Experian and the furnisher, but the inaccurate reporting remains. 


Supporting documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Im disputing the accuracy of the existing loan amount and also asking to validate the debt ( FDCPA ) Im requesting all documents pertaining to my mortgage loan. including all reinstatement information and all inked signed contacts with this company carrington or the previous XXXX XXXX. My loan amount is inaccurate. I have documents emails and recorded phone calls of the previous mortgage holder XXXX  supervisor XXXX agreeing to the mistakes made on behalf of XXXX. I have serval document and calls that contradicts the recent letters sent to me by genway with the reinstatement information. Tow differential amounts. The letter i received and made payment from shows i sent in the correct amount also. Recorded call of the law firm XXXX XXXX XXXX that represents them saying XXXX remarks to me over the phone which i informed XXXX  and they did not escalate as i asked. XXXX XXXX of XXXX XXXX XXXX  sent me an email stating that the law firm didnt ask for nor receive any additional payment after i wired the money asked of me in my reinstatement letter. XXXX sold my mortgage in the middle of an ongoing dispute with them. I would all document sent to Carrington from XXXX  to ensure complete accuracy. Also the loan amount payment is higher than usual at {$2400.00} a month starting off. Loans with the same percentage and overall cost monthly payments are $ XXXX less pre month. Im being over charged and i will have the mortgage audited for any and all discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
This is my 9th dispute for exact same problem that is still not resolved buy Equifax. CFPB complaint # 1 : XXXX and CFPB complaint # 1 : XXXX. This is 3rd CFPB complaint for same unresolved problem. I need assistance with Equifax problems. I had paid off my student loans. All credit bureaus have been updated automatically except Equifax. I have opened disputes with documented proofs sent to Equifax five times in the past five months! Every time they keep rejecting and incorrectly report my credit file. This has been causing me XXXX XXXXXXXX XXXX XXXX. I cant apply for refinance of mortgage or take out any loan because their report keeps saying that accounts are still open whereas creditors have confirmed in writing that accounts have been closed satisfactorily with zero balances. In one of the disputes, Equifax sent me a decision stating that yes both accounts have been closed but yet, they still refuse to update my credit reports still saying that accounts are still open. I am at my wits end. Equifax is not helping. Even today, I have been on call with them for almost 2 hours but to no avail. Asked for manager multiple times to assist and they put me on hold and just disappear. I need to file law suit against Equifax, have my credit file cleared up and get compensation for all the agony they have been causing me and my family for over 5 months. I gave them five months to resolve this issue where they should have been taken care of this issue the first time in legal 30 days period but it has not worked at all for so long already. Need guidance and timely assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Moved from an apartment complex in XXXX, Texas and the complex Manager did not remove my name from the Utilities Companies list for the spartment.

Had move 2 months before Bill was sent and paid owed bill in full.

This was place on my credit report as collections on XX/XX/XXXX from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
These inquiries seem improper and came as a shock. Please address the issue swiftly and refer to the attached files.

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 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase checking account was recently closed after a cleared ACH deposit of {$800.00} was posted on XX/XX/year>. The deposit came from an external account I own, and was not reversed or flagged for fraud. 

After the account was closed, Chase placed a hold on the funds and told me the money would not be released until XX/XX/XXXX XXXX business days later and that a cashiers check would be mailed only after that. The check has not yet been mailed, and I have been told there is no way to expedite the release or request branch pickup. 

Ive called the branch, spoken to the deposit and check refund department, and sent secure messages through Chase, all of which resulted in the same response : I have to wait for a 10-business-day hold, despite the funds being mine, cleared, and undisputed.

I am requesting assistance from the CFPB because there is no valid reason for Chase to hold my cleared funds after account closure, especially since I have not been accused of fraud, and the money came from an account I personally control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-23 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: OR

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IL

Complaint narrative:
I am disputing this account because it does not belong to me. I have no knowledge of this debt, I never opened an account with this company, and I did not authorize anyone to do so on my behalf.

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 2025-07-23 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX  XXXX Date of inquiry : XXXX/XXXX/2023

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 2025-07-23 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX  XXXX Date of inquiry : XXXX/XXXX/2023

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