vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XXXX of 2024 I thought I signed a financing contract with XXXX XXXX XXXX XXXX in XXXX XXXX I was handed the keys after putting XXXX down and I left to oregon the very next day for a work related trip. One week into the trip, I got a call stating I would be charged with grand theft auto unless I leave work right that moment and begin the XXXX XXXX XXXX to return the vehicle back to the dealership Scared to my core I took out a payday loan as I had gave XXXX XXXX XXXX XXXX XXXX for my down payment and I drove down, I arrived in XXXX XXXX at XXXX, after driving XXXX hours straight I was very tired and instead of taking all my companies inventory and tools out of the vehicle and into my residence ; stupidly, I fell asleep. I awoke at XXXX to find the car was gone along with XXXX in inventory, XXXX of tools and supplies, and now I didn't even have a way to get to the dealership to get the down payment after speaking with moss XXXX XXXX promised to send my deposit in the mail... it never happened. I never recieved anything I emailed then 100s of times ( I have proof of that ) contacted their customer service online and on the phone and always was promised to be gotten back to within a day ... never happened. My whole entire life was turned upside down the day I thought I had financed my dream car. Since the date of repossession ; I lost my job, was unable to pay back XXXX XXXX XXXX as I couldn't make it back to work, and subsequently became homeless. 9 months after this incident and I find myself contemplating taking my life all because of XXXX XXXX mistake... trusting a salesperson. Trusting moss bros of XXXX in XXXX XXXX, trusting that humans would never do what was done to me ... my whole world view has changed. XXXX nobody. I think the day I gave them XXXX was and will be the last time I ever trust anyone to do what they say they will do. I was naive that day. Today there's no hope or innocence left inside of me. The fact that someone can do this to someone else and be okay with it and still make millions while I fight off XXXX and evil men every night just to sleep because I'm homeless and left to the world to eat alive isn't justice. It is pure and concentrated evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: NJ

Complaint narrative:
When I called 21st Mortgage to ask for a forbearance due to breaking my rotator cup and paying for XXXX MRIs and X-rays and XXXX XXXX was told they don't do forbearance on a loan that is 7 months old and don't accept late payments because they can ask for the payment tomorrow, and it's a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2025-07-07 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2025-07-07 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:
Dear CFPB, I am submitting this formal complaint against TransUnion for their ongoing failure to correct multiple inaccurate and unauthorized entries on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these matters directly with TransUnion, but they have failed to remove or properly investigate the disputed items. 

Disputed Items : Inaccurate Addresses XXXX XXXX XXXX XXXX, LA XXXX I have never lived at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have never resided here. 
TransUnion is reporting these addresses without any verifiable documentation or consumer authorization, which violates FCRA 609 ( c ) ( 2 ) and 602A regarding consumer privacy. 

Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} This account inaccurately reflects late payments, despite being fully paid and in good standing. Reporting unverifiable derogatory information is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ).

Unauthorized Hard Inquiries TransUnion is reporting several inquiries that I did not authorize nor initiated through a credit application : XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not made by me and were not linked to any permissible purpose under FCRA XXXX XXXX They are negatively impacting my credit profile and must be removed. 

Requested Relief : I am requesting that the CFPB compel TransUnion to : Remove all inaccurate personal addresses Delete all unauthorized hard inquiries Correct or delete the false late payment history on the XXXX XXXX account Provide written confirmation of compliance and updated credit reporting I have attached my dispute letter to TransUnion outlining the issues and legal references. Despite sufficient time, they failed to provide proper investigation results or verifiable documentation. 

Thank you for your assistance in ensuring my consumer rights under federal law are protected.

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 2025-07-07 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was frauded out of {$1000.00} from our checking account via our XXXX account at Wells Fargo. I received a phone call from someone posing as Wells Fargo asking me to authorize a new XXXX payee. I asked them for their phone # and said I would call them back to verify their identify. They hung up. I received an email stating a new XXXX payee had been created and if I didn't recognize the Payee to call Wells Fargo. Since I don't know, and did not create the payee, I called Wells Fargo Fraud department and by the time I got through, the money had been transferred out of our account. 
Well Fargo completed their investigation and denied the claim saying that either myself or someone I know that has approved access to my laptop authorized the transaction. I asked for the IP address of the device that authorized the transfer and was told any further details are confidential! How convenient for Wells Fargo. I escalated to many levels within WF including the customer care dept and honestly, no one at WF actually cares, all parroting their non customer focused corporate culture. I called my relationship mgr at the branch, only to never have a return phone call. I spoke with the branch mgr who escalated my complaint and that dept just restated the results of the original investigation. The lack of anyone willing to anything other than read back the results of the original " investigation '' is sad. Their culture and lack of ownership is appalling. I have twice requested the written details of the investigation and was told they would send but have not yet received. We are longtime customers of Wells Fargo but will be closing all of our accounts due to this eye-opening experience. Not one person was willing to take any additional steps to help, nor provide any real details as to how WF reached their decision, which is incorrect as this XXXX transaction was a fraud and not authorized.

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 2025-07-07 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: MO

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.

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 2025-07-07 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: OH

Complaint narrative:
On XX/XX/year>, I filed a formal dispute and submitted a complaint to the CFPB ( Complaint # XXXX ) against XXXX XXXX XXXX XXXX I requested validation and reinvestigation of an account inaccurately reported on my credit file. But XXXX XXXX XXXX has not responded or provided legally required documentation under the Fair Credit Reporting Act ( FCRA ). The failure to respond or verify within the required time frame is a violation of FCRA 1681i and 1681s-2 ( b ). I am requesting the immediate deletion of this unverified and disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: IL

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

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 2025-07-07 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: NC

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without the proper investigation. The company has failed to send me any of the information that I requested even with my other complaint they never sent verification of debt, the ORIGINAL contract bearing my signature and an explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was supposed to receive a {$300.00} sign up bonus since I got all my deposits right in time. XXXX  days before the payout capital one closed my account, not me, with no reason and now Im not eligible for the {$300.00}. I need the {$300.00} they legally told me I was supposed to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I co-signed for a vehicle for an ex and he didn't have insurance when he had a wreck. The car is totaled, and now I'm left with debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MO

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.

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