vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
Subject : Urgent Complaint Regarding Inaccurate Personal Information on Credit Reports Request for Immediate Removal/Correction Dear CFPB XXXX XXXX XXXX , I am writing to formally file a complaint regarding the inaccurate personal information reported on my credit reports maintained by the XXXX major credit reporting agencies : Equifax, XXXX, and TransUnion. The incorrect information has caused confusion and potential harm to my creditworthiness, and I urgently request the CFPBs intervention to have this inaccurate data corrected or removed immediately. 

Details of the inaccurate personal information include the following : Former Name ( s ) incorrectly reported as : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Also Known As ( AKA ) names incorrectly reported as : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Incorrect Current Name and Address on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Previous Address reported as : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This erroneous information is found primarily on the TransUnion LLC Consumer Dispute Center report, as well as the other XXXX major credit bureaus, and has not been corrected despite my prior attempts to dispute these inaccuracies. 

I request that the CFPB : Investigate these inaccurate personal identifiers and address information on my credit files immediately. 

Require all three credit bureaus to update or remove these inaccuracies without delay. 

Provide me confirmation that the inaccurate data has been fully corrected or removed. 

Ensure my credit reports accurately reflect my true and correct personal information to prevent further harm. 

Please consider this complaint as a matter of urgency. Inaccurate personal information on credit reports can lead to wrongful credit decisions and financial harm. I rely on the CFPBs authority and commitment to protect consumers like me to ensure these issues are promptly and properly addressed. 

Thank you for your time and assistance. 

Sincerely,

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My federal student loan was transferred from XXXX to MOHELA. I was never provided billing access, statements, or login credentials during the transition. I called MOHELA on XX/XX/year> and the representative confirmed they could not access the account history or confirm transfer-related details. I was told that once the account updated to show forbearance, I might be able to log in. 

I was able to access my account today and immediately made a good-faith payment of {$61.00}. However, as of XX/XX/year>, my credit reports still reflect multiple 120+ day late payments that I was never notified of or given a chance to cure. These delinquencies are factually inaccurate and were caused by MOHELA 's failure to provide access or communicate. I did not default, was not sent statements, and the derogatory reporting has already caused serious credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Subject : Formal Complaint Unauthorized Credit Inquiries Without My Wet Signature Immediate Investigation and Removal Requested Dear CFPB Complaint Review Team, I am submitting this formal complaint to report multiple unauthorized hard inquiries that appear on my credit reports. These inquiries were made without my knowledge, consent, or prior written authorization containing my wet signature, as required by federal law. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report for credit transactions when the consumer has authorized the inquiry in writing. Furthermore, under FCRA 604 ( a ) ( 2 ), any hard inquiry made without my express written consent is a violation of federal law. 

The following hard inquiries were unauthorized, and I demand their immediate deletion unless the credit bureaus and the companies listed below can produce documented proof bearing my wet signature : Unauthorized Inquiries : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ELAN XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX ( duplicate ) These entities had no permissible purpose to access my credit profile, and I never authorized themexplicitly or implicitlyto conduct a credit check. 

Action Requested : I request the CFPB to immediately investigate the above inquiries.

Demand the involved bureaus to produce proof of a signed authorization ( wet signature ) for each inquiry.

If no such documentation can be produced, I request that the inquiries be permanently deleted from my credit reports and that all parties involved be notified of this action.

I further request confirmation of this complaint and the resolution.

Any failure to comply may constitute willful noncompliance with the FCRA and could result in formal legal action. 

Thank you for your prompt attention to this serious matter. Please keep me informed of all actions taken. 

Sincerely,

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 2025-06-06 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: GA

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 explanation
Consumer complaint received 2025-06-06 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: GA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing a formal complaint against Toyota Financial Services for abusive lending practices, lack of transparency, harassment, and refusal to assist during documented medical hardship. 

I originally signed a lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paying over {$5000.00} up front and $ XXXX XXXX XXXX months. In XX/XX/XXXX, I decided to buy the car, but XXXX forced me into a new XXXX financing contract with $ XXXX payments financing a total of over {$38000.00}, despite having already paid more than {$20000.00} during the lease. No clear explanation or breakdown was provided for this amount. 

Toyota Financial Services refuses to assist me despite the fact that I am on medical leave, have no income, and am under cardiac treatment due to severe stress and XXXX linked directly to this unaffordable loan. They have harassed me with calls and emails, issued threats of repossession, and refused to restructure the loan or offer any hardship relief. 

I am currently being charged for payments that I can not make. My account is in collections and I fear losing the vehicle, which I depend on to return to work. I ask the CFPB to investigate Toyota Financial Services and require them to : - Provide a full explanation of the loan amount financed in XXXX - Reduce my monthly payment based on my financial hardship - Stop the harassment and collection threats- Suspend additional fees and penalties Toyotas conduct is predatory, inhumane, and has harmed both my health and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On * * XX/XX/year> * *, I was charged * * \ {$470.00} * * through * * Affirm XXXX XXXX XXXX * * for a product ordered from XXXX XXXX. This product was never delivered and still shows as ordered without tracking or fulfillment over * * 7 months later * *. 

I immediately contacted Affirm to dispute the loan and provided * * clear evidence * * that the item was never received. Instead of helping resolve this fraud, Affirm : * Allowed the charge to * * escalate to collections * * as a * * charge-off. * * * Repeatedly sent * * automated denials * * despite multiple submissions of proof. 
* * * Failed to properly investigate or pause negative credit reporting. * * Worse, I informed Affirm that I suffer from a * * XXXX XXXX  XXXX XXXX XXXXXXXX * * and am under the * * ongoing XXXX XXXX XXXX XXXX XXXX * *. I explained that this unresolved charge is * * exacerbating my XXXX XXXX XXXX, causing XXXX, XXXX, and XXXX XXXX * *. Affirm was made aware of this in writing. 

Despite this, Affirm * * continued with automated rejections * * and allowed the account to fall into collections with no accommodations, escalation to human review, or compassionate handling. 

-- - * * Harm Incurred : * * * * * XXXX XXXX  and XXXX XXXX XXXX XXXX  * * due to unresolved fraud and credit damage. 
* * * Negative credit impact * * due to Affirm failing to properly report the account as disputed before charge-off. 
* * * Failure to honor legal responsibilities * * under : * * * Fair Credit Reporting Act ( FCRA ) * * * * * Fair Debt Collection Practices Act ( FDCPA ) * * * * * Equal Credit Opportunity Act ( ECOA ) * * * * * Americans with Disabilities Act ( ADA ) * * ( via discriminatory neglect of mental health disclosure ) -- - * * Requested Resolution : * * 1. Immediate * * removal of all negative credit reporting and charge-off status * * for the disputed loan. 
2. * * Closure of the loan and release of all consumer liability * *.

3. Formal review of Affirms * * handling of disputes, credit reporting compliance * *, and * * failure to accommodate a XXXX XXXX XXXXXXXX * *. 
4. Compensation for the * * XXXX XXXX, negligence, and financial damage * * suffered. 
5. Enforcement of penalties or corrective action as deemed necessary by the CFPB. 

-- - I have kept records of all correspondence, including screenshots of the undelivered item, Affirms automated replies, and emails disclosing my medical status. 

Please take action to protect my rights as a consumer and help me hold Affirm accountable for this unacceptable and harmful treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

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

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 2025-06-06 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: DE

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MD

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am reporting violations by credit bureaus and collection agencies due to inaccurate, outdated, and unverified data listed on my credit report. These errors are directly affecting my ability to secure essential transportation for my family. 
I have disputed these items with the credit bureaus and requested deletion under federal law : 1. * * Public Record : * * - XXXX XXXX XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ( over 7 years old ).

Must be removed under FCRA 605 ( a ).

2. * * Collection Accounts : * * - XXXX XXXX XXXX XXXX {$250.00} Not validated. - XXXX XXXX XXXX {$160.00} Not validated. 

3. * * Charge-Offs/Derogatory Accounts : * * - XXXX XXXX XXXX XXXX {$23000.00} Repo/Charge-off . - XXXX XXXX Charge-off, unresolved dispute. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXXXXXX XXXX XXXX/charge-off. 
Charge-off, unresolved dispute. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXXXXXX XXXX XXXX/charge-off. 

4. * * Hard Inquiries ( Unauthorized ) : * * - 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 These inquiries were not authorized and should be removed per FCRA 604.

I am requesting that your agency investigate and enforce immediate deletion of these accounts and inquiries. Supporting documentation, including dispute letters and reports, are available upon request. 
Please respond with confirmation of receipt and actions taken. Sincerely, 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 2025-06-06 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: PA

Complaint narrative:
I recently paid off my auto loan with XXXX XXXX XXXX and requested that once i paid the account in full that the account would be deleted from my credit report. The company agreed to do so but has yet to and when I reached out to Experian, Equifax and Transunion to request the removal of the paid account they stated that they would but hasn't done so. I requested the removal back in XX/XX/year> and it is still reporting on my report. Experian, Equifax as well as Transunion has failed to thoroughly investigate this matter and remove the account requested therefore, I am requesting immediate removal due to this holding me back from purchasing my home.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I had fraudulent atm withdrawals made on my XXXX XXXX account back in XXXX of XXXX. I filed a claim and was denied, I filed a complaint and was again advised in a short timeframe that I was denied. I also at the same time filed a police report for the fraud and pressed charges on the individual responsible for the fraud. Yesterday XX/XX/XXXX a trial was held and I testified in a court of law about the charges and the court and jurors convicted the same individual, XXXX XXXX on 3 felony charges including larceny, fraudulent access of credit card, and accessing computer for fraudulent purposes, all associated with the fraud that occurred. Citizens Bank did not uphold their consumer protection guarantee. Citizens did not accurately investigate a fraudulent claim that was submitted with their company guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CT

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

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 2025-06-06 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: MD

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am reporting violations by credit bureaus and collection agencies due to inaccurate, outdated, and unverified data listed on my credit report. These errors are directly affecting my ability to secure essential transportation for my family. 
I have disputed these items with the credit bureaus and requested deletion under federal law : 1. * * Public Record : * * - XXXX XXXX XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ( over 7 years old ).

Must be removed under FCRA 605 ( a ).

2. * * Collection Accounts : * * - XXXX XXXX XXXX XXXX {$250.00} Not validated. - XXXX XXXX XXXX {$160.00} Not validated. 

3. * * Charge-Offs/Derogatory Accounts : * * - XXXX XXXX XXXX XXXX {$23000.00} Repo/Charge-off . - XXXX XXXX Charge-off, unresolved dispute. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXXXXXX XXXX XXXX/charge-off. 
Charge-off, unresolved dispute. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXX Charge-off, unverified. 
- XXXX XXXXXXXX XXXX XXXX/charge-off. 

4. * * Hard Inquiries ( Unauthorized ) : * * - 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 These inquiries were not authorized and should be removed per FCRA 604.

I am requesting that your agency investigate and enforce immediate deletion of these accounts and inquiries. Supporting documentation, including dispute letters and reports, are available upon request. 
Please respond with confirmation of receipt and actions taken. Sincerely, 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