vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-20 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:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

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 2025-10-20 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: FL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQ - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Information Under Section 605B Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I visited a XXXX XXXX store in XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) to complete a purchase using XXXX XXXX, a lease-to-own financing option. During that process, the store associate instructed me to input my personal information and a series of PINs on a terminal as part of what I was told was the XXXX XXXX  process.

At no point was I informed that a Best Buy Credit Card application was being initiated, nor was I presented with any disclosures, pamphlets, or documentation relating to the Best Buy Credit Card or its terms. I was never told I was applying for a credit card, nor did I consent to it.

Later that same day, I received a message on my phone stating, Thank you for applying for a Best Buy Credit Card. I was shocked to learn that a hard credit inquiry had been performed by Citibank, the issuer of the Best Buy Credit Card, and that an application had been submitted and denied.

I have confirmed that no account was opened, but my credit was accessed without my authorization or knowledge. I believe the Best Buy employee submitted the credit card application without my consent, possibly using the information I provided for XXXX XXXX. 

This constitutes unauthorized use of my personal identifying information and a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining or using a consumer credit report without a permissible purpose. It also appears to violate disclosure and consent requirements under the Truth in Lending Act ( TILA ), as I was never informed that I was applying for a credit product.

I have filed a police report documenting the incident and retained screenshots, timestamps, and supporting documents from the store visit.

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 2025-10-20 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: FL

Complaint narrative:
Under FCRA 611, I dispute the tradelines below, which are inaccurately reported and/or unverifiable : XXXX  ( XXXXXXXX XXXX XXXXXXXX ) Open, 3-mo terms but coded Late 60 days and Past Due equals remaining balance ; provide ledger, DOFD, Payment History Profile, Date Reported. 
XXXX XXXX ( XXXX  XXXX ) Placed for collection with activity date conflicts across bureaus ; provide assignment, itemization, DOFD. 
XXXX XXXX XXXX XXXX ( XXXX ) Shown As Agreed/Open but tagged Negative ; correct Account Status/Compliance Condition to reflect accurate standing. 
XXXX ( XXXX ) Late sequence/DOFD verification required ; supply running statements proving due date, receipt, and posting. 
XXXX XXXX XXXX ( XXXX XXXX ) ; XXXX XXXX  ; XXXX  XXXX ; XXXX XXXX XXXX ( XXXX ) furnish contract/authorization, chain of title, itemization, DOFD ; unresolved contradictions ( Refinanced vs.

collection ). 
XXXX XXXX XXXX Previously in disputenow resolved requires proof of independent verification ( XXXX ; XXXX ; XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am disputing the accuracy and completeness of the following account appearing on my TransUnion credit file : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving / Charge Account Account # ( Partial ) : XXXX * * * * * * * * Reported Status : As Agreed/ Current / Good Standing System Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Misclassification of Account Status FCRA 602 ( a ), 607 ( b ). 
Your file lists this account as Negative even though the furnisher reports it as As Agreed and In Good Standing. Reporting a current, non-delinquent tradeline as negative is materially misleading under XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). 
XXXX. XXXX XXXX XXXX Fields XXXX ( Payment Rating ), XXXX ( Current Status ), XXXX ( Account Status ). 
The combination AsAgreed + Negative violates XXXX compliance and misrepresents performance history. 
XXXX. Absence of Documented Basis for Dispute Code FCRA 623 ( a ) ( 1 ) ( A ). 
The In Dispute notation persists without evidence of any current dispute authorization from me. 
XXXX. Failure to Ensure Maximum Possible Accuracy FCRA 607 ( b ) ; Reg V 1022.42. 
Inconsistent High Credit values ( {$96.00} vs {$0.00} ) and Date Last Active discrepancies ( XX/XX/XXXX vs XX/XX/XXXX ) indicate unverified data. 
XXXX. Data Privacy and XXXX XXXXXXXX Safeguard Failures. 
XXXXXXXX XXXX has experienced multiple national data exposures. TransUnions continued publication of potentially compromised data without renewed permissiblepurpose verification ( FCRA 604 ) constitutes a safeguard breach.

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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: MI

Complaint narrative:
Hello, this message is in reference to Yamaha Financial. In XXXX the website stopped accepting payments and stopped providing monthly billing statements. The last account statement provided was dated XX/XX/XXXX. 

I have had to call to make extra payments. I have made phone payments on XX/XX/XXXX, {$1000.00}, XXXX, {$1000.00} and XX/XX/XXXX, {$15000.00}. 

On XX/XX/XXXX I called to payoff the loan since I have the funds and their lack of website and statements is VERY concerning. The payoff amount was approximately {$1000.00} more than I had estimated given my statement payoff and previous payments plus daily interest added back. The agent was firm that it was the correct amount and I had to push back for him to verify his number. I asked for him to tell me my recent payments and he missed one ( XXXX ). He admitted to me that the {$1000.00} was debited but not applied to the account. I have verified this ach debit with my bank, posted for {$1000.00} on XXXX. 

I have called three times since XX/XX/XXXX to obtain a payoff amount and each time they are stating a number higher than what it should be. They have admitting to me that they cant find the missing {$1000.00} payment from XXXX. They said have can see the payment but it hasnt posted to my account. I am unable to payoff and close this account because of their error and I am accruing daily interest charges. I am fearful of sending them the remaining ~ {$16000.00} in that they will close the account and I wont see my missing money. 

On XX/XX/XXXX they asked if I would like a manager call back and I said yes, they never called. On XX/XX/XXXX they told me the payment would process in XX/XX/XXXX or XX/XX/XXXX. I called on XX/XX/XXXX and it wasnt posted. I asked for a refund since they cant find my money. He said it is in the transaction department. I asked when would it post to the account and he could not tell me. I asked to speak to a manager and he said he would have one call me. I asked when and he said today. They did not call be back again. 

I feel like if I did pay off the wrong amount they would have kept my extra {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
In XX/XX/2025, I contacted PennyMac Loan Services regarding temporary financial hardship. I was placed on a short-term payment deferment plan, with the understanding that I could make flexible or partial payments toward my mortgage until XX/XX/2025, at which time the account would be brought current.

Throughout the deferment period, I made continuous payments, including amounts in excess of my regular {$5400.00} monthly payment ( as reflected in my loan activity statement ). In several months, I made multiple paymentsXXXX ( {$10000.00} ), XXXX ( {$2500.00} + {$4600.00} ), XXXX ( {$7600.00} ), and XXXX ( multiple payments totaling over {$9000.00} ).

Despite this, PennyMac reported my account as 30 days past due for XXXX, XXXX, and XX/XX/2025. I called PennyMac in XX/XX/2025, and their representative acknowledged that my understanding of the deferment plan was reasonable but stated that they could not correct the credit reporting.

This reporting is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) because it fails to reflect the active deferment agreement and ongoing payments made in good faith. The account is currently in good standing. I request the removal or correction of the 30-day late marks for XXXXXXXX XXXX to accurately reflect my payment history during the deferment period.

Supporting documentation, including my PennyMac loan activity statement, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CO

Complaint narrative:
I disputed an old charge-off account with Equifax. The account was closed XX/XX/XXXX and first became delinquent in XX/XX/XXXX. Payment history shows 30 days late in XXXX XXXX, 60 in XXXX, and 90 in XXXX. Despite this, Equifax continues reporting charge-off status monthly through mid-XXXX and lists the Date of Last Payment and DOFD as XX/XX/XXXX on the summary. Inconsistent records show XX/XX/XXXX ( XX/XX/XXXX ) and XX/XX/XXXX ( XX/XX/XXXX and all others ) as last payment dates. In addition, Equifax updated the high credit field from {$12000.00} to {$19000.00} in XX/XX/XXXX, with no explanation and no historical support for the higher figure. These internal contradictions make the reporting unreliable. XXXX  and XXXX  have already removed the account. Ive requested correction or removal multiple times. Equifax has not resolved the discrepancies or provided valid justification. This violates the FCRAs 7-year limit from the true DOFD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank TD Bank Checking Account opened in my name I did not open account in XXXX Letter 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX  Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of certain accounts appearing on my XXXX  credit report. Pursuant to 15 U.S.C. 1681c-3, I am requesting that you block and permanently remove any information resulting from identity theft or inaccurate reporting within four ( 4 ) business days of receiving this notice.

The following accounts are disputed as they are inaccurate and/or the result of identity theft : Letter 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX  Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of certain inaccurate and fraudulent information on my XXXX  credit report. In accordance with 15 U.S.C. 1681c-3, I am requesting that you block and delete this information immediately.

Letter 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX  Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of certain inaccurate and fraudulent information on my XXXX  credit report. In accordance with 15 U.S.C. 1681c-3, I am requesting that you block and delete this information immediately.

Please block and delete the disputed information within four ( 4 ) business days as required by law, and provide written confirmation once complete.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I have sent a dispute letter on XX/XX/year> and it was delivered on XX/XX/year> via XXXX ( XXXX ) demanding validation of the debt, Verification that they are legally allowed to repor this account, and their authorization to collect on this debt. as of Today XX/XX/year> no reponse has been made by CAIN & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-20 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 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. 
Everything on FTC and PDF is fraud Remove immediately! 
15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank Checking Account Open in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of certain accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-3 of the Fair Credit Reporting Act ( FCRA ), I request the immediate blocking and removal of any information resulting from identity theft or inaccurate reporting.

Under this federal law, a consumer reporting agency is required to block the reporting of information that the consumer identifies as resulting from identity theft within four ( 4 ) business days after receiving : Please block, investigate, and permanently remove the above information from my credit file. Additionally, provide written confirmation that these deletions have been completed.

If any information can not be deleted, please supply a detailed explanation including the furnishers contact information and evidence relied upon for your determination.

Thank you for your prompt attention to this matter.

Sincerely, ( signature ) XXXX XXXX mobile XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Please rectify the mistake in my account by deleting the incorrect late payment entry. My payment history has always been punctual, and such an error has caused me distress and sleepless nights. I urge prompt correction to restore accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
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