vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccuracies and incomplete information on my credit report as it pertains to various accounts reported across the XXXX credit bureaus. I have detailed the accounts in dispute below, separated by each bureau for clarity. I request that the inaccuracies be corrected and that the records be updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXXXXXX 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 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting several credit inquiries that I did not authorize. I did not apply for credit with the companies listed below, nor did I give permission for these inquiries to be made. The unauthorized inquiries are : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> These were not made by me, and I believe my information was used without my consent. I am requesting that these inquiries be removed.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : Urgent Dispute and Demand for Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of the XXXX XXXX XXXX XXXX account reporting on my Transunion credit file, original creditor XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. This account is being reported inaccurately, inconsistently, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Grounds for Dispute : Inaccurate Reporting & Metro 2 / eOSCAR Noncompliance : Transunion is reporting the account as a OPEN ACCOUNT as account type Comments shows : Placed for collection, No Payment history, but Balance updated XX/XX/XXXX, Status update XXXX XXXX. Meanwhile XXXX reporting is differently as the Account type, status update, balance update date, also the contact infomation XXXX  address reporting a Physical address, Transuion address reporting a PO BOX , while XXXX  does not report the account at all. This represents inconsistent reporting across CRAs and violates FCRA 1681i ( a ) ( 1 ) ( A ), VIOLATIONS : FCRA 1681s-2 ( b ), 1681i ( a ), FDCPA VIOLATIONS 807 ( 8 ) and 809 ( b ) which requires that any disputed information be investigated and verified as accurate. The discrepancies also indicate Metro 2 noncompliance, as the account type and reporting codes do not match the payment history or status update rules required for accurate credit reporting in e-OSCAR submissions. XXXX Transunion Reporting although XXXX  is not many differences across the two credit agencies immediately and confirm in writing that the account has been deleted from my file. Failure to comply will leave me with no choice but to escalate this dispute, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Sincerely, 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a dispute regarding the following accounts on my credit report that I believe are inaccurate or incomplete. Please review the information below, separated by each credit bureau ( XXXX, Experian, and XXXX  ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX, {$45.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments : 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with USAA 30 days ago ( XX/XX/year> ), in hopes to switch banks. My first deposits to my new checking and savings account were frozen for 14 days. Because the hold was so long, my transfer from my original bank account was canceled by them. This triggered a returned deposit on USAA, and they froze external transfer and XXXX permissions on my account without notifying me. I was told that I just had to wait 30 days to access XXXX. I waited the 30 days, and was told that because I have restrictions placed on me, I would have to wait 6 months for someone to review my account and maybe then those restrictions will be lifted. I explained that my deposit didnt bounce, so surely theres a way to lift the restriction? I have had consistent direct deposit payments and my account has remained in good standing. They said theres nothing they can do and to wait 6 months. 


The primary reason I switched banks was because I was told that USAA is much better by way of customer service and XXXX. 

Additionally, Id been told conflicting information by many staff members. 
People Ive spoken to have told me : 1 ) XXXX will be available in 7 days from the account opening 2 ) XXXX will be available once the debit card is activated 3 ) XXXX has a 30 day waiting period for new accounts All of these pieces of information are contradictory. Additionally, Id been told different things by different people. Someone via the in-app chat would tell me that I have restrictions, then Id call for clarification and the person on the phone would say they dont see any restrictions and have no idea what Im talking about. Its ridiculous to be treated like a criminal. Im switching back to my original bank and I never wouldve switched if I wouldve known Id be treated terribly.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, my camera shows a tow truck pulling up to my vehicle ( XXXX XXXX XXXX ) at XXXX Mountain Time. The camera is motion sensor so it did not record the rest but at XXXX, the vehicle is gone. Since it was after hours, I had to wait for business hours to call Toyota Financial Services. I proactively called for information on how to recover my vehicle on XX/XX/XXXX. The payment of my overdue amount and towing fees of {$1600.00} was made through Pay a Bill on XXXX XXXX at XXXX Mountain Time on XXXX XXXX. Once paid I received instructions to contact XXXX by phone at XXXX. I called and was given the details of the towing company used by the lender which is XXXX XXXX XXXX XXXXXXXX to schedule a pickup appointment for my vehicle. I had to pay {$10.00} for each storage day so in total I paid {$20.00}. I asked for an itemized receipt upon arrival to their tow lot location and was told they do not provide that and that I should ask the lender for that information. This morning, XX/XX/XXXX at XXXX I received an email from the lender, Toyota Financial Services titled [ my name ], repossession is the next step the email goes on to list steps I can take to avoid repossession. I immediately called Toyota Financial Services to ask why I was being sent this letter after they had already repossessed the car and why I was not contacted before rather after. This is frustrating because I had received the cash to make the payment on XX/XX/XXXX in the XXXX  and was going to deposit it on XX/XX/XXXX in order to pay online before my due date which is XX/XX/XXXX. I know in Colorado the lender does not need notify the consumer before repossession but the email being sent this morning shows they were willing to give me options before repossession which they did not. I also asked the agent from Toyota Financial Services for an itemized receipt to view the charges since they seemed excessive and they responded saying that they do not provide that documentation. I was told to ignore the email sent this morning and that my rights letter was being sent through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Equifax ( EQ ) XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint and Dispute of Fraudulent Credit Account Request for Immediate Deletion from Credit Bureaus To : Milestone Credit Card Attn : Fraud and Dispute Department Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute and report a fraudulent credit account that has been opened under my name without my knowledge or authorization. 

I recently became aware that Milestone XXXX has issued a credit card under my personal information, which I have never applied for, received, nor activated. Despite multiple phone calls to your customer service department, I have not been able to obtain any details about the account because, according to your representatives, my personal information does not match the data on the account. However, I have been informed that this account carries a debt in my name, which is negatively impacting my credit report and score. 

This situation constitutes identity fraud and a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). It is illegal for a financial institution to report or maintain inaccurate information in a consumers credit history. 

I hereby request the following actions : Immediate cancellation of the fraudulent credit account associated with my name and Social Security Number. 

Removal of any related derogatory information from all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

Written confirmation that this account has been deleted and will not appear in my credit report in the future. 

Please treat this matter as urgent. I expect a written response within the time frame required by federal law ( 30 days ). 

Attached you will find a copy of my identification and proof of address for verification purposes. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Data Finance, LLC
State: LA

Complaint narrative:
They charged me % 119 interest on a {$3500.00} loan which bumped it up to around {$8000.00} and thats legal in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crow Creek Sioux Tribe
State: TN

Complaint narrative:
River valley loans states that I took a loan with them and money has been deposited into XXXXXXXX XXXX. I never took out a loan with River valley loans and I contacted the bank directly with my social security number and no accounts are opened in my name. River valley loans continues to contact me and states they need my social security number to verify it was fraud.

Company response to consumer: Closed with explanation