vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$10000.00} XXXXXXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$250.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$250.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from Auto Loan Applications Message : When I applied for an auto loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/year> : XXXX  TD AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only authorized one inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/year> : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as one inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my credit score. 

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

The Dealerships were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from Auto Loan Applications Message : When I applied for an auto loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/year> : XXXX XXXX XXXX XXXX  ALLY FINANCI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I only authorized one inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/year> : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALLY FINANCI XXXX XXXX XXXX XXXXXXXX XXXX Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as one inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my credit score. 

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

The Dealerships were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-21 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I received a letter from Lexus Financial Services ( a service mark of Toyota Motor Credit Corporation ) demanding {$5900.00} in connection with a leased vehicle that was declared a total loss. The letter stated that {$42000.00} had been paid by insurance and an additional {$16000.00} received, but provided no itemized explanation for the remaining balance. The letter also explicitly stated it was an attempt to collect a debt. 

On XX/XX/year>, I sent a formal written debt validation request via certified mail to the address provided in the collection letter ( XXXX XXXX XXXX XXXXXXXX, AZ XXXX ). My request cited my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and included a demand for a complete itemized breakdown of the remaining balance, documentation of how funds were applied, and a copy of the original lease and any GAP/insurance-related documents. 

Lexus Financial Services did not respond within the required timeframe and instead transferred the alleged debt to a third-party collection agency, XXXX XXXX XXXX , without providing any of the requested documentation. This constitutes a clear violation of federal law. 

I am requesting that CFPB initiate a formal investigation, require full validation of the alleged debt, and ensure that all further collection activity is suspended until proper validation is provided. If no documentation can be produced, I request that the debt be formally withdrawn and that no adverse information be reported to credit reporting agencies. I reserve all rights under FDCPA 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification provide Certified Mail with receipt displaying my signature. If not, Please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking at my credit report and noticed there were hard inquiries that are not mine on there.

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 2025-05-21 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: UT

Complaint narrative:
Formal Complaint to the CFPB XXXXXXXX XXXX XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am filing this complaint against XXXX  XXXXXXXX XXXX XXXX and the credit reporting agencies Equifax, XXXX, and XXXX for reporting inaccurate and misleading negative information on my credit file related to this account. These actions violate multiple federal laws and are harming my credit profile without justification. 

Issue Summary : This revolving charge account was opened on XX/XX/XXXX, with a credit limit of {$300.00} and a high balance of {$330.00}. 

The account is fully paid and active with a {$0.00} balance, and no ongoing delinquency. 

Nonetheless, all three bureaus are reporting a 30-day late payment, despite : Equifax showing the last payment made on XXXX and status as " Current ''. 

XXXX showing the last payment on XX/XX/XXXX and account as paid. 

XXXX reporting a late payment for XX/XX/XXXX, but no missed payments since. 

These negative marks are unwarranted, especially as the account is paid and not in default.

All reports currently list the account as Negative, which is inconsistent with the data and unfairly impacts my credit.

Federal Law Violation

s : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus are legally obligated to ensure the maximum possible accuracy of reported information. 1681i : Failure to correct or remove inaccurate or outdated information. 1681s-2 ( b ) : Furnishers ( XXXX XXXX XXXX ) fa

iled to properly investigate and update the record after notification of discrepancies. 2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting of account status and payment activity misrepresents the terms and consumer behavior, violating principles of accurate credit disclosure. 3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Sharing erroneous financial data with third parties ( bureaus ) without due diligence demonstrates failure to maintain confidentiality and safeguard consumer data integrity. 4. CARES Act ( if applicable ) : If payment arrangements or COVID-19 accommodations were made, reporting late payments during protected periods may violate the amendment to the FCRA under the CARES Act. Damages : Due to this false and negative reporting, my credit score has suffered unjustified harm, affecting my ability to access credit, secure favorable loan terms, and build financial stability. This information is not only false but creates long-term financial consequences that are completely avoidable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: UT

Complaint narrative:
Formal Complaint to the CFPB XXXXXXXX XXXX XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am filing this complaint against XXXX  XXXXXXXX XXXX XXXX and the credit reporting agencies Equifax, XXXX, and XXXX for reporting inaccurate and misleading negative information on my credit file related to this account. These actions violate multiple federal laws and are harming my credit profile without justification. 

Issue Summary : This revolving charge account was opened on XX/XX/XXXX, with a credit limit of {$300.00} and a high balance of {$330.00}. 

The account is fully paid and active with a {$0.00} balance, and no ongoing delinquency. 

Nonetheless, all three bureaus are reporting a 30-day late payment, despite : Equifax showing the last payment made on XXXX and status as " Current ''. 

XXXX showing the last payment on XX/XX/XXXX and account as paid. 

XXXX reporting a late payment for XX/XX/XXXX, but no missed payments since. 

These negative marks are unwarranted, especially as the account is paid and not in default.

All reports currently list the account as Negative, which is inconsistent with the data and unfairly impacts my credit.

Federal Law Violation

s : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus are legally obligated to ensure the maximum possible accuracy of reported information. 1681i : Failure to correct or remove inaccurate or outdated information. 1681s-2 ( b ) : Furnishers ( XXXX XXXX XXXX ) fa

iled to properly investigate and update the record after notification of discrepancies. 2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting of account status and payment activity misrepresents the terms and consumer behavior, violating principles of accurate credit disclosure. 3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Sharing erroneous financial data with third parties ( bureaus ) without due diligence demonstrates failure to maintain confidentiality and safeguard consumer data integrity. 4. CARES Act ( if applicable ) : If payment arrangements or COVID-19 accommodations were made, reporting late payments during protected periods may violate the amendment to the FCRA under the CARES Act. Damages : Due to this false and negative reporting, my credit score has suffered unjustified harm, affecting my ability to access credit, secure favorable loan terms, and build financial stability. This information is not only false but creates long-term financial consequences that are completely avoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

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