vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Telephone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion for Inaccurate Reporting, Failure to Reinvestigate, and Violation of FCRA I am filing this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit file, despite my proper disputes and documentation. I obtained my credit report through XXXX and identified multiple errors in both personal information and account reporting. 

Disputed Information Incorrect Personal Information : Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Employers : XXXX XXXX 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 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  Basis of Complaint The bureaus have violated the Fair Credit Reporting Act by : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failing to provide the method of verification.

These items are either inaccurate or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), they must be corrected or deleted.

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 2025-09-04 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

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
Consumer complaint received 2025-09-04 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: LEXISNEXIS
State: FL

Complaint narrative:
I am a victim of identity the and would like the accounts below be removed from the database because i did not give my consent for open these accounts. the fcra 605b sais if I am a victim of identity accounts should be fully investigated and removed. 
below are the accounts and information i need removed. 
Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account No : XXXX Account Status : Collection account. {$640.00} past Date Opened : XXXX XXXX, XXXX Account Balance : {$640.00} Account Original Balance : {$640.00} Account Name : XXXX XXXX Account No : XXXX Account Status : Paid, Closed/Never late Account Type : Credit card Date Opened : XXXX XXXX, XXXX Account Original Balance : {$3000.00} Amount Past Due : {$2500.00} Account Name : XXXX XXXX XXXX Account No : XXXX Account Status : Account charged off. {$6200.00} written off. {$6900.00} past due as of XX/XX/XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Account Balance : {$7200.00} Amount Past Due : {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 non-monetary relief
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am a victim of identity theft and I am disputing the following accounts that are being reported under my name : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounXXXX XXXX XXXX These accounts do not belong to me and should not be attached to my credit profile. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( 809 ), debt collectors must provide proper written validation of a debt before reporting or collecting. These accounts have not been validated.

Additionally, under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( 611 ), consumer reporting agencies must ensure maximum possible accuracy and remove any unverifiable or fraudulent information. 

I request that the CFPB investigate and ensure these accounts are not linked to me, are deleted from my credit file, and that I am protected from further harm caused by identity theft.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for their continued failure to correct inaccurate information on my credit reports, and for issuing stall letters in response to multiple disputes. 

Background I have disputed the inaccurate information with the credit bureaus on XX/XX/2025, XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025. 
Each time, instead of conducting a proper reinvestigation, the bureaus issued stall letters stating that the accounts in question could not be verified or that the information was not mine. 

This is false. With every dispute, I submitted proof of my identity, including my current address, a copy of my Social Security card, and my drivers license. Despite this clear documentation, the bureaus continued to send stall letters suggesting the information did not belong to me. 

Inaccurate Accounts Reported Based on my 3-bureau report dated XX/XX/2025, the following accounts remain inaccurately reported : XXXX XXXX XXXXXXXX Reported as charged-off, inconsistencies across bureaus XXXX XXXX ( XXXX XXXX XXXX Reported as charged-off, inconsistently reported XXXX XXXX XXXX Reported as charged-off/repossessed , conflicting between bureaus XXXX XXXX XXXX XXXX XXXX Reported as collection/charge-off, dispute status ignored XXXX XXXX Reported as collection, marked dispute resolved, but derogatory notation remains XXXX XXXX XXXX Reported as collection with derogatory status Violations Failure to Conduct Reasonable Reinvestigation under FCRA 1681i.

Issuance of Stall Letters despite receipt of valid proof of identity.

Failure to Correct Personal Identifiers despite proper documentation.

Failure to Correct Inaccurate Account Reporting across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I do not know why Transunion keeps denying the fact that im trying to dispute items on my credit report with them, and I show them proof with account numbers and names, and even dates when these fraudulent accounts have been opened, yet they keep closing my case with CFPB, that makes me think they do not follow process orders and wont even check for this information, they do not investigate and this is how they run a company. I have been regularly checking my credit report this year due to pressing needs of me and my family regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Transunion to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal resolved the case in my favor and issued a 16c refund for bags I didnt receive. However it never refunded me the funds. Customer service doesnt respond to complaints and doesnt answer my messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I reviewed my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: GA

Complaint narrative:
I got a credit alert indicating a collection had been placed on my account by Tek Collect on XX/XX/2025, but the collection appeared on XX/XX/2025. I have received no formal letter indicating the reason for the collection, amount owed, or actions to be taken. I only found out about the collection from reviewing my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am disputing XXXX automobile loan accounts reported by Toyota Motor Credit Corporation ( TMCC ). TMCC 's reporting is inaccurate because the underlying debts are invalid due to their failure to comply with XXXX law and the Uniform Commercial Code ( UCC ). 

Account XXXX : [ Last XXXX digits of Account # XXXX ] - XXXX XXXX XXXX This account shows a deficiency balance of {$8900.00} from a repossession. TMCC has provided documentation proving they failed to comply with the law : On XX/XX/XXXX, TMCC mailed a critical " Notice of Our Plan to Sell Property '' to an address at which I no longer resided. I had vacated that property over a month prior, on XX/XX/XXXX. Mailing this legally required notice to a known-old address is a violation of UCC 9-611 et seq. and deprived me of my right to redeem the vehicle or contest the sale, rendering the deficiency balance invalid. 
The vehicle was sold at a private sale for {$19000.00}. TMCC has provided no evidence this sale was " commercially reasonable '' as required by UCC 9-610 ( b ). The lack of detail suggests the sale was not conducted to maximize value, resulting in an artificially high and unenforceable deficiency. 

Account XXXX : [ Last XXXX digits of Account # XXXX ] - XXXX XXXX XXXX This account shows a charged-off balance of {$2600.00}. This debt resulted from a total loss insurance event, not a standard default. 

The account status is inaccurately reported as a " XXXX. '' The status should reflect that the obligation was settled via insurance proceeds. 
I dispute the mathematical accuracy of the final calculated balance. TMCC must provide a full, itemized accounting from the insurance payout to the final balance to prove this amount is correct.

Attempted Resolution : I previously disputed these accounts with the credit bureaus, and TMCC verified the information. I then filed a CFPB complaint. TMCC responded but failed to address the core legal violations. Instead, they provided the documents that now prove their own non-compliance regarding the improper notice for Account 1.

Desired Resolution : Due to TMCC 's serious legal violations in the repossession and sale process, the reported deficiency debt is legally void. For the other account, the reporting is misleading and the balance is inaccurate. I demand that TMCC instruct all credit bureaus to delete both accounts from my credit history immediately and cease all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I obtained an open-end line of credit from XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The product is structured as an open-end credit line, but it functions as a payday loan trap. 

My periodic statements show that nearly all of my payments go toward fees, not principal. For example, in XX/XX/XXXX, I was charged {$350.00} in fees while only {$11.00} went to principal. This fee structure makes it mathematically impossible to reduce the balance in a reasonable timeframe. 

Why This Is Predatory : XXXX XXXX in XXXX XXXX ( XXXX ) caps APRs at XXXX % plus limited fees. 

XXXX XXXX appears to be evading these restrictions by labeling charges as Billing Cycle Charges under an open-end structure. 

In practice, the effective APR is in the hundreds of percent, far exceeding what XXXX law allows. 

This is unfair, deceptive, and abusive lending. 

What I Am Requesting : That XXXX XXXXXXXX be investigated for predatory and unlawful fee structures. 

That my account be closed immediately without further fees, interest, or collections activity. 

That they be required to correct any credit reporting and not sell or transfer the account to debt collectors. 

Supporting Evidence : I have copies of : My Line of Credit Agreement and fee schedule.

Arbitration and ACH agreements. 

Statements showing fees vastly exceeding principal repayment. 

I can provide these documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I received a letter from an attorney ( a member of a large law firm ). She stated the firm had been retained by American Express. I hoped that the contact would result in negotiating the amount of the debt down. The lawyer informed me that she was not authorized to negotiate the debt. She also informed me she could not put anything in writing. That all correspondence/communications had to be done over the phone. I got suspicious and called American Express. American Express informed me that the debt had been assigned to XXXX XXXX XXXX, a collection agency. XXXX XXXX XXXX never contacted me. Subsequently, the law firm filed suit in the XXXX XXXX XXXX XXXX  stating they represent the Plaintiff, American Express, with no mention of XXXX XXXX XXXX. The attorneys, as an essential part of their case, submitted XXXX separate affidavits from employees of American Express, stating they are familiar with the general process of how American Express contracts with the public concerning credit card agreements, but they never addressed or confirmed that the law firm was retained by American Express. The affidavits further stated the debt was not assigned. The Affidavits are in direct contradiction to a letter I have from American Express stating the debt was assigned. Even to this day, American Express continues to insist the debt has been assigned to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
The credit review doesn't reflect my true financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed a incorrect inaccuracies and unauthorized account/information reporting to my credit report. This remark has been detrimental to my life and credit health.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I just checked my credit report and the inaccurate accounts are still showing up, even though they should have been removed. Please review the documents I attached carefully so this issue can be resolved once and for all.

Company response to consumer: Closed with non-monetary relief