vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding the account listed as : Creditor Name : CREDENCE RM ( Original Creditor : XXXX XXXX ) Account Opened : XX/XX/year> Balance : {$320.00} Status : Collection/Chargeoff Reporting Bureaus : TransUnion, Experian Basis of Dispute : Premature Reporting as a Collection/Charge-Off The account was opened on XX/XX/year> and reported as placed for collection and marked derogatory within the same month, which is legally questionable. According to FCRA guidelines, particularly 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure the information they report is complete and accurate. Immediate reporting of an account as charged off or in collections upon the opening date lacks justification and violates reasonable investigation standards.

Lack of Payment History There is no reported payment history to support a default or delinquency prior to the collection action. The absence of such activity further reinforces the suspicion of inaccurate or unverifiable furnishing of data.

No Notice Provided I did not receive any notice or billing prior to the derogatory reporting, which is required under Section 623 of the FCRA and may also violate the FDCPA ( Fair Debt Collection Practices Act ) if the debt collector failed to validate the debt.

Requested Action : Immediate deletion of this tradeline from all credit reporting agencies due to incomplete and inaccurate reporting ; If the debt is valid, provide : Full account validation under FDCPA standards ; Proof of communication and billing prior to collection activity ; Payment history justifying the charge-off status within the same month of account opening.

I request a reinvestigation pursuant to 15 U.S.C. 1681i, and written confirmation of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered that my personal and financial information was included in a XXXX XXXX XXXX  breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. 


I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. 


This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file an official complaint and demand the immediate removal of inaccurate, outdated, and/or fraudulent names and addresses listed on my credit reports with Experian, Equifax, and TransUnion. 

The following information appearing on my credit reports is inaccurate and does not belong to me : Addresses to Remove : ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX CANAL XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX This incorrect personal information is compromising the accuracy of my credit report and may be contributing to the reporting of accounts or inquiries that do not belong to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate consumer reporting.

Violations and Legal Support : FCRA 1681e ( b ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 
FCRA 1681i ( a ) ( 1 ) ( A ) If a consumer disputes any item of information, the credit bureau must conduct a reasonable reinvestigation and delete unverifiable information within 30 days.

FCRA 1681g Consumers have a right to a clear and accurate disclosure of all the information in their file, including correct personal identifiers. 

I am including a copy of my government-issued ID and current proof of address to verify my identity. I request that all outdated, misspelled, or fraudulent names and addresses be immediately and permanently removed from my credit reports. 

Please investigate and provide written confirmation once the corrections are made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I discovered that my personal and financial information was included in a national public data breach affecting millions of consumers. This breach has resulted in unauthorized access and exposure of my data without my consent, leading to suspicious activity and high concern for potential identity theft. 


I contacted the companies involved and formally disputed any inaccurate or unverifiable data on my credit report. However, they have failed to provide adequate responses or proof of proper data handling. Some continue to report disputed information, in violation of federal consumer protection laws. 


This breach has caused financial distress, disrupted access to credit, and forced me to take protective measures. I am requesting the CFPB investigate the data handling practices of these entities, ensure all unverifiable information is removed from my credit file, and confirm whether my rights under 15 U.S.C. 1681c-2, 1681s-2, and the FTC Act 45 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, Bank of America unexpectedly closed both of my credit card accounts and my husband 's on the same day without providing any explanation. We both had perfect payment histories, no past due amounts, and were actively using our accounts. One of my closed credit cards had a positive balance of {$10000.00}, which was not refunded. I also had over {$8000.00} in my checking account at the time, and my husband had over {$97000.00} in his checking account with Bank of America. 
We contacted the bank multiple times to request an explanation and to ask for the return of the funds. Bank representatives refused to share any reason and would not confirm when or if the balance would be refunded. 
This sudden and unexplained closure has damaged our credit profiles and created financial uncertainty. I filed a dispute with XXXX, but the XXXX XXXX platform did not allow me to explain the situation or upload documentation. 
We are requesting : A clear written explanation from Bank of America about the reasons for the closures ; The immediate return of the {$10000.00} credit balance ; Correction of any harmful or misleading credit reporting resulting from these actions.

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 2025-06-27 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: CA

Complaint narrative:
Recently checking my credit report I noticed unauthorized inquires I have no knowledge of and I believe I've been a victim of identity theft, can you please remove this fraudulent inquiry from my credit report. 

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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX of XXXX, working directly with dealership representative XXXX XXXX. I was informed that XXXX XXXX would be providing the financing. The Retail Installment Sales Contract ( RISC ) provided to me explicitly lists XXXX XXXX as the " Creditor-Seller '', indicating that they were the financing party. 

Following the transaction, I contacted XXXX XXXX to confirm the terms of the financing. I was then informed that the contract was assigned to Lexus Financial Services, and that XXXX XXXX XXXX funded the vehicle purchase. Lexus Financial Services later confirmed that it was indeed the party that paid the dealership for the car. 

This creates a material misrepresentation : the contract names XXXX XXXX as the creditor-seller when, in fact, they never provided any financing. If Lexus Financial Services was the true source of funds, then the contract is inaccurate, deceptive, and potentially void. A financing agreement must truthfully identify the party extending credit; failing to do so violates both basic principles of contract law and federal consumer protection standards. 

To date, no valid, signed, or corrected agreement has been provided to reflect that Lexus Financial Services was the true lender. As a result, Lexus appears to be enforcing a financial obligation under a contract that was never validly formed or truthfully presented. 

Accordingly, I am requesting the following : Immediate removal of all derogatory or tradeline reporting related to this account from all consumer credit bureaus ( XXXX XXXX XXXX XXXX  ; Release of any lien or interest in the vehicle ( release of A ) ; Delivery of the original title, free and clear, to me as the rightful owner.

This is a formal dispute and demand for resolution under the Fair Credit Reporting Act ( FCRA ) and applicable state consumer protection laws. I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for investigation ( See attachment ). 

If Lexus Financial Services can not validate its position as the true originating lender and provide a corrected, lawfully executed contract, you are not authorized to service, report, or collect on this account. If this matter is not resolved or the CFPB complaint is ignored, I will escalate to the New Jersey Division of Consumer Affairs, the U.S. Department of Justice, and pursue further judicial remedies as appropriate, including filing amended claims in the current pending litigation. I also reserve the right to request Congressional oversight or additional regulatory review where necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2025-06-27 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Information under FCRA 611 * * To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information on my TransUnion credit report, dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File Number : XXXX XXXX XXXX XXXX XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. 

Please investigate and correct the following errors : -- - # # # 1. * * Incorrect Name Formatting * * * * * Reported As : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Correct Name : * * XXXX XXXX XXXX This duplication of my name is inaccurate and must be corrected to avoid confusion or misidentification by lenders. 

-- - # # # 2. * * Outdated/Incorrect Addresses * * * * * Incorrect/Outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MD ( XXXX resided in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD ( incorrect ) Please remove these outdated or inaccurate addresses, retaining only my current and correct address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX *. 

-- - # # # 3. * * Outdated/Incorrect Employer * * * * * Incorrect XXXX XXXX XXXX XXXX XXXX  XXXX have not been employed by XXXX. Other listed employers such as XXXX or XXXX are more accurate but incomplete. 

Please update my employment history to reflect accurate current/recent positions or remove unverifiable employment data. 

-- - # # # XXXX. * * Duplicate or Incorrect Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Account ID ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : * * Charged off for \ {$7.00} account marked XXXX days late This amount is so small ( \ {$7.00} ) that I suspect a reporting or billing error. I am requesting a full verification of this debt and a correction if this charge-off is in error. 

-- - # # # XXXX. * * Account Paid CURRENT ( Secured Card ) * * * * * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account ID ( partial ) : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : * * Marked as Charge-Off even though paid in full on XX/XX/XXXX This account was paid in full. Reporting it as a charge-off violates FCRA 623 ( a ) ( 2 ) as the data is * * incomplete and misleading * *. Please correct this to reflect Paid in Full without derogatory charge-off status.


-- - Please investigate these items and correct or delete any inaccurate, incomplete, or unverifiable information. As required by FCRA 611, I expect results of your investigation within 30 days. I have enclosed a copy of my ID and a copy of the credit report with the disputed items highlighted.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I believe the account is invalid. 
TRANSWORLD SYSTEMS INC ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.TRANSWORLD SYSTEMS INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I made multiple payments using Chimes Pay Anyone feature to an individual for credit consultation services. I personally knew and trusted the person at the time and was told the results would take a few weeks, then a few months. I continued making payments in good faith, believing the service was in progress. 

Unfortunately, the service was never delivered. I received no results, no documentation, and the individual eventually stopped responding. I submitted a dispute to Chime with screenshots and a written explanation clearly showing the transactions and my efforts to resolve it.

Chime refused to investigate, stating there was nothing they could do because Pay Anyone is a peer-to-peer system. I believe I was misled and taken advantage of. This was not a personal gift these were business-related payments for services that were never rendered. Im requesting that Chime take accountability and review this dispute seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accou nts in question : XXXX/DOFED XXXX Balance : {$42000.00} XXXX/DOFED XXXX Balance : {$7300.00} XXXX/DOFED XXXX Balance : {$5500.00} XXXX/DOFED XXXX Balance : {$4200.00} XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$2400.00} XXXX/DOFED XXXX Balance : {$190.00} XXXX/DOFED XXXX Balance : {$190.00}

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