vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items 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 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/year>

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 2025-03-13 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:
I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms.

In accordance with the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only inaccurate but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any inaccurate or fraudulent information that appears on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : Experian : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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
Consumer complaint received 2025-03-13 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 have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms.

In accordance with the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only inaccurate but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any inaccurate or fraudulent information that appears on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : Experian : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle, which I believe was conducted illegally. My car was taken by a repossession company while I was at work, and I had no prior knowledge that this was happening. I only found out because a coworker saw the repo company inside my car. 
After realizing my vehicle was gone, I was forced to walk home, which caused significant inconvenience and hardship. When I confronted the repossession agent and asked for proof of documentation authorizing the repossession, he simply stated that he was just doing his job and did not provide any proof that the repossession was authorized. 
Upon contacting the lender, I was informed that no repossession order had been issued at the time the vehicle was taken. This indicates that the repossession company acted without legal authority, which may constitute wrongful repossession or theft.

Additionally, I was not provided with any notice or documentation at the time of repossession, nor was I given the opportunity to verify the legality of the action before my vehicle was taken. I have filed a complaint with the Georgia Attorney Generals Office regarding this matter. 
I am requesting that the CFPB investigate this incident and take action against the responsible parties. I also seek assistance in recovering my vehicle or resolving any financial damages caused by this wrongful repossession. 
I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank has wrongfully closed my account and they are giving me many issues in returning back funds that were remaining in my account I deposited my XXXX XXXX XXXX XXXX  issued to me by the XXXX  in the amount of {$32000.00} on XX/XX/year> the at capital one branch in XXXX zip code XXXX I had no issues depositing the check the check went on a XXXX  day hold and funds became available to me on XX/XX/year> i attempted to make a withdrawal but had issues with capital one branch strongly feel discriminated and profiled due to type of questions that was asked after refusing to answer any more questions account was frozen and sent to fraud department for review after review account was closed and reason given was inconsistent activity that doesn't match with typical customer account usage and a cashiers check will be mailed to me for the remaining amount but During the review fraud department made claims that there were Discrepancies with the check and made claims to have contacted the XXXX XXXX  via email to validate the legitimately of check and was waiting for a response up until a few days ago when the final review of the account was completed and decision was made to close the account but capital one XXXX XXXX is still making claims that the funds I deposited on XX/XX/year> has to be verified by the XXXX  and or XXXX XXXX  even though the check went on a XXXX  day hold if not verified funds will be sent back to XXXX  This is inconvenient and unessesary because i have documentation validate legitimatcy of funds rightfully issued to me by XXXX  capital one XXXX XXXX  has made no attempt to validate the legitimacy of my documents and has ignored all attempts I have made to present documentation aslo I have been contact with both irs and treasury department who has informed me that this is not normal practice and the capital one bank is wrongfully holding my funds from me I'm strongly looking forward to going ahead with a lawsuit on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/2025 and noticed some things that were incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with TRANSUNION, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

I kindly request that you investigate this matter and update my credit report accordingly. Please remove all incorrect entries regarding my name and address. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and I trust that you will address this matter promptly. 

Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX EMPLOYER - 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Summary I have submitted multiple disputes to the credit reporting agencies ( XXXX, Equifax, and XXXX ) regarding inaccurate and outdated accounts appearing on my credit report. Despite my repeated requests, they have failed to conduct a proper investigation or provide sufficient method of validation as required by law. Additionally, several accounts remain on my credit report even though they are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ). 

Details of the Issue Failure to Validate Disputed Accounts I disputed an account with XXXX Bank XXXX XXXX Account Number : XXXX ), stating that it does not belong to me. 
The credit bureaus failed to provide proper verification, as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I repeatedly requested the method of validation, yet they continued to report the account without a legally sufficient response.

Failure to Remove Accounts Beyond the Statute of Limitations The following accounts have exceeded the seven-year reporting limit and should have been automatically removed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : XXXX XXXX CARD SERVICES ( Account Number : XXXX ) BANK XXXX XXXX XXXX Account Number : XXXX ) BANK OF XXXX XXXX Account Number : XXXX ) BANK OF XXXX XXXX Account XXXX : XXXX ) XXXX XXXX SERVICES ( Account Number : XXXX ) XXXX XXXX ( Account Number XXXX XXXX ) Despite my formal dispute requests, the credit bureaus refused to remove these accounts in violation of the FCRA. 
Failure to Conduct a Reasonable Investigation Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account.

Instead, the bureaus provided automated responses and failed to provide any documentation or proof of validation. 
This is a clear violation of my consumer rights. 
Steps I Have Taken I have sent multiple written dispute letters to XXXX, Equifax, and XXXX requesting the removal of these accounts. 
I specifically asked for the method of validation for the XXXX Bank XXXX account XXXX but they failed to provide sufficient documentation. 
I followed up multiple times, yet the incorrect and outdated accounts remain on my report. 
I warned the credit bureaus that failure to comply with the law would result in a formal complaint to the CFPB, but they still refused to take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and ky rights as a consumer.

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
All my student loans were forgiven but {$5000.00}, also XXXX, over 3 million people 's information was leaked outXXXX  have had breach problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have been working with a case manager at Experian named XXXX XXXX, who had previously validated that I am a victim of XXXX XXXX  Due to this situation, XXXX had been actively assisting me throughout XXXX  and XXXX  in removing fraudulent accounts that continued to appear on my credit report. 

Over that period, XXXX successfully removed several accounts that were opened in my name by individuals involved in the XXXX  XXXX. Unfortunately, I am unsure of what happened to XXXX. When I contact Experian, I am told that my previously submitted information no longer proves that I am a victim. 

Since then, I have uploaded new documentation, including court records, to support my case further. Additionally, I will upload copies of past correspondence from XXXX XXXX that confirm my victim status and document her actions in removing fraudulent accounts. Because of these efforts, I am still informed that my documentation is insufficient, which contradicts XXXX 's previous validation. 

Details of the Issue : Previous Case Manager : XXXX XXXX Dates of Previous Assistance : Throughout XXXX  and XXXX  Actions Taken : XXXX consistently removed fraudulent accounts as they appeared. Despite her confirmation of my victim status, my updated documentationincluding court records and XXXX past actionsis now being deemed insufficient.

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 2025-03-13 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting 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 2025-03-13 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: GA

Complaint narrative:
The reporting agencies ( XXXX, XXXX, and Equifax ) violated my rights and federal law under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) by improperly sharing my non-public personal information ( NPPI ), including my credit report, with unauthorized third-party entities such as debt collectors. This law restricts financial institutions from disclosing consumer information to non-affiliated third parties without explicit consent. Since credit bureaus and debt collectors are third parties, any sharing of my credit report without my authorization is an unlawful disclosure of my private financial data, directly violating federal consumer protection laws. 

This unauthorized disclosure has resulted in undue harm, including but not limited to third-party collection attempts based on improperly shared data. In response, I have taken the following actions : Conducted a thorough review of my credit reports to identify unauthorized disclosures, Documented instances where my information was shared without my explicit consent, Drafted and submitted this formal dispute to demand corrective action, Retained copies of all correspondence for legal and regulatory review.

I have escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary.

Company response to consumer: Closed with non-monetary relief