vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute multiple unauthorized inquiries that appear on my credit report. These inquiries were made without my knowledge or permission, and I believe they may be the result of identity theft or other unauthorized activity. According to the Fair Credit Reporting Act ( FCRA 1681b ), consumer reporting agencies may only furnish a credit report if there is a permissible purpose, such as a legitimate application for credit or services, and only with the consumers explicit authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I previously submitted an FTC Report through the Federal Trade Commission ( FTC ) in connection with related issues. However, I understand that the FTCs reporting system is currently shut down or unavailable, which prevents me from submitting a new report or updating the previous one. As a result, I am referencing the existing FTC identity theft report that was filed earlier and reaffirming my claim that these inquiries were unauthorized.

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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: TN

Complaint narrative:
Account SSTXXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please 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 2025-10-17 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: AZ

Complaint narrative:
I am filing this complaint to dispute inaccurate and misleading reporting related to two accounts on my credit file. The first is XXXX XXXX ( Acct. ending XXXX XXXX XXXX ), listed as late and closed with a {$0.00} balance. This reporting is inconsistent and inaccurate, as a closed account with no balance should not carry a late payment history. The second is XXXX XXXX XXXX ( Acct. ending XXXX ) XXXX XXXX, reported as a charge-off with a {$3800.00} balance. This information is inaccurate and unverifiable, as there is no supporting documentation validating the charge-off status or balance owed. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

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 2025-10-17 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-17 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

INQUIRY : XXXX XX/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 2025-10-17 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hello, Im XXXX XXXX. Im banking with the bank chime. I had money on my account and I was wondering why my money going away so fast come to find out somebody been ordering XXXX  from another state which is XXXX XXXX and I stay all the way in Georgia. Ive asked customer service why is somebody in my account and I dont even live that state they said they will send me different cards and help with me. They sent different cards and they still taking money. Then they said they can give me my money back but didnt tell me that if they give me my money back I have to pay it back. Now my account is XXXX dollars i. the negatives and I didnt even take the money from my account. I didnt get no help I didnt make sense on why my account is in the negative if they told me they give me my money back that somebody else stole. Now my paycheck is about to be gone because I have to pay money back that was mines. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates
State: TN

Complaint narrative:
: Account XXXX XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please 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 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 2025-10-17 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: NV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
Several collection account appearing on my credit report are inaccurate, incomplete, or otherwise unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information, and 623 ( a ) ( 2 ) and 623 ( b ) impose a legal duty on furnishers to investigate and ensure the accuracy of the information they provide. If any of the disputed accounts are found to be inaccurate, incomplete, or unverifiable, the furnisher is obligated to promptly update or remove the information from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$950.00} Original Creditor XXXX XXXX XXXX I request a full reinvestigation of these accounts and that any unverifiable entries be removed or corrected. 
Certain inquiries listed on my credit report appear to have been made without a permissible purpose and may not have been authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 604, consumer reporting agencies are strictly limited to providing access to a consumers credit report only for authorized purposes, such as in connection with a credit application, employment, insurance, or other legally permissible reasons. 
Any inquiries that can not be clearly verified as having a legitimate, authorized purpose constitute a violation of my rights under federal law. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I purchased a laptop using financing through a company. I later returned the laptop to the address the company instructed me to send it to. However, they now claim that the item was not received and are still charging me for it. I followed all return procedures as instructed and sent the product back to the return address they provided. 

Despite my efforts to resolve this with the company, they are holding me responsible for the payment. I also contacted the loan provider to explain the situation, but they concluded that it is my responsibility to pay the loan. I feel this is unfair because I returned the product as instructed. 

I am requesting assistance to resolve this issue and to stop the unfair charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company : Truist Bank Product : Checking/Savings Account Unauthorized Activity and Credit Reporting Issue : Bank failed to investigate, did not contact consumer, and is reporting unverified collection debt I previously filed a complaint against Truist Bank through the CFPB portal in XXXX. In their CFPB response, Truist claimed they had reached out to me directly and resolved the matter. That is false. 

At no point did I receive a phone call, email, or letter from Truist or any authorized representative. My address changed prior to the alleged outreach, and Truist did not have my updated contact information. I never received any response, investigation results, or documentation regarding my original complaint. 

Since then, I have discovered that Truist is reporting negative information to the credit bureaus, including a collection balance under my name that I had no knowledge of and never authorized. I have no record of this account, no contract, and no communication from Truist identifying the origin of this debt. 

I have also previously reported identity theft, both through IdentityTheft.gov and directly to financial institutions. Truist was informed of this but failed to ( 1 ) properly investigate, ( 2 ) provide any documentation to verify the alleged account, or ( 3 ) respond to my lawful request for information under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g & 1681i ).

Their failure to contact me or provide substantiation violates multiple federal statutes and CFPB enforcement guidelines requiring good-faith communication and verifiable reporting.

Truist has failed to : Verify the accuracy of information furnished to credit reporting agencies in violation of the FCRA 623 ( 15 U.S.C. 1681s-2 ).

Investigate a dispute involving identity theft and provide supporting documentation as required under Regulation V ( 12 CFR 1022.43 ).

Respond in good faith to an active CFPB complaint despite claiming to have done so, violating the CFPBs consumer complaint resolution protocols. 
Provide written communication or validation of debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) if any third-party collection agency is involved.

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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-17 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: TX

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance ; {$1900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Original creditor 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>2025, I authorized two separate transactions on my personal credit card of {$810.00}, for each charge. The merchandise I purchased was a preorder for a physical game card merchandise. The merchant proceeded to cancel one of the two orders almost immediately, without explanation. He then provided me with a full refund of {$810.00} for one of the two chargers ( the 2nd charge was not cancelled ). As months go by, the merchant fails to respond to my contact attempts and never sends me product. Therefore, I contact Bank of America agents to open up a dispute transaction claim. I made sure to clarify the fact that I am not disputing the charge that was already refunded by the merchant ( by providing reference numbers of transactions and clearly describing these facts ). The agents, through communication, tell me they understand my request and open the claim. I receive a provisional balance adjustment, but days, or weeks later, get the charge posted right back on my card with the explanation that the merchant has already refunded me for this charge. Clearly, they seem to be confusing the 2 charges. I open up about 3 claims with identical process, each time with more frustration, to clarify that I am disputing the one that has NOT been refunded by the merchant. They do not seem to be taking the matter seriously and keep closing my claims. I will attach images clearly indicating the two separate {$810.00} charges, showing one singular refunded transaction by the merchant. The other images show BOFA bringing back the provisional balance adjustment on the claim of the 2nd transaction, as well as their letter of explanation.

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 monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle from XXXX Toyota, XXXX XXXX, CA, on XX/XX/year>, and financed it through Toyota Financial Services. I fully paid off the loan within 10 days, but Toyota Financial failed to release the lien to the California XXXX for over four months. As of XX/XX/year>, I still have not received my vehicle title. 

This violates California Vehicle Code 5753, which requires lienholders to release the lien within 15 days after full payment. Because of this delay, I have spent hours on phone calls with both the dealer and Toyota Financial without resolution, causing unnecessary stress, lost time, and administrative burden.v

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-17 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: FL

Complaint narrative:
I am submitting this statement to dispute inaccurate and inconsistent reporting on several accounts listed on my credit file. The XXXX XXXX XXXX  ( Acct. ending XXXXXXXX XXXX XXXX XXXX is reported with a 30-day late payment for XX/XX/year>, which is inaccurate and unverifiable. I have no record or documentation supporting this delinquency. Additionally, the XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported as late and closed with a {$0.00} balance, which is contradictoryonce an account is paid and closed with a XXXX balance, it should not reflect any late payment history. Furthermore, XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off with a {$53000.00} balance, yet the creditor has not provided any verifiable documentation confirming this status or outstanding amount. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain and report only information that is complete and accurate. FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] also prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief