vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
I verbally requested that all communication regarding th account be sent in writting. This request was for validation of the alleged debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information in writing : The amount of the alleged debt, including an itemized statement of fees, interest, and other charges. 

The name and address of the original creditor. 

Documentation proving that I am legally obligated to pay the debt. 

A copy of any judgment, if applicable. 

As required by law, please cease all collection activities until this information has been provided. 

I request that all future communications regarding this matter be made in writing only. 

Once I requested everything in writing due to the FDCPA and TCPA regarding cell phone calls. I was refused any validation because requesting to remove my cell phone removes all communication request per rep XXXX and she can not send anything. I took this as a forced threat to keep contacting my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY

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 2025-09-17 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Experian properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX. The vehicle wasnt available so an employee went to pick it up from another dealership. While they were in transit, I was brought to the finance office to finalize paperwork until the vehicle arrived. At this time, the terms were to be the same vehicle I had test driven but in XXXX. Lease agreement was 3 years at XXXX miles a year. During this time I was asked if I wanted the wheel, tire and windshield package. I laughed and said yes because I was berated by the sales manager for my broken windshield the night before. This brought my payment from {$490.00} a month to {$500.00}. I signed all the documents and left until the vehicle arrived. At that time I noticed the tow package was not on the vehicle and when I brought it up to my salesman, he went to the general manager and he began acting like I did something wrong. Became accusatory and very condescending. He was standing behind the finance manger making her make changes in the system. At that point they printed out the package and would not give it to me and threatened to cancel the deal I had already signed for. My daughter had a drs appt we had to leave for and they would not give me my previous vehicle to get there nor would they give me the new vehicle. The finance manager let me take her vehicle while they figured out what to do on their end. I got a call saying I could pick up the new vehicle but there was nothing being done about the tow package. I ended up taking delivery of the vehicle and left. I went through the XXXX with no response to my claims. About 2 months later I noticed on my bill that the mileage was listed for XXXX miles a year which was NOT what I had agreed to. Another month or so later, I went to the service department for an oil change and to get my windshield replaced only to find out I did NOT have windshield coverage despite agreeing to it when signing. The general manager absolutely made the finance manager change the documents during that 5 hour window between signing and taking delivery. I did not receive the documents until I got the car and they were in the glove box. I never reviewed because I saw what I originally signed. They fraudulently changed the terms of my contract and refuse to answer my complaints about this. 

I purchased a vehicle with a tow package because I have a boat, trailer, RV and a staging business. All that rely on the tow package being on the vehicle. The manager then continued to question me as if I didnt have any of these and didnt actually need the package. 

I felt belittled, disregarded and treated like less of a person because I was a single woman purchasing this vehicle. I do not fault the finance manager as she was pressured to make the changes and looked very uncomfortable while he was behind her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I co-signed an auto loan with Toyota Financial Services ( TFS ). 
When the primary borrower informed me that they could no longer make payments, I took full responsibility for the loan and began making all payments from my own bank account. For over a year, I ensured that payments were made on time and even set up a backup bank account to guarantee uninterrupted payments. I had been fully managing and overseeing this account from the start, taking all necessary steps to maintain the loan responsibly. 

Despite this, when the primary borrower filed for XXXX, TFS blocked me from making payments. Their system showed Paid/ {$0.00} balance, and I was told multiple times that no payments could be accepted during XXXX proceedings. 

On XX/XX/year>, the vehicle was repossessed without any prior notice. I immediately paid the required amount, but TFS gave inconsistent instructions ( different entities to pay, different amounts ), which delayed account reinstatement for over a week.

After I recovered the vehicle and made the payment, TFS instructed me to continue manual payments by phone and stated that the online portal would be reinstated. However, three months have passed and the online portal has still not been restored. I am forced to make payments manually by phone, which is inconvenient and inefficient.

As a result of TFSs mishandling and failure to provide clear instructions, I incurred over {$1000.00} in repossession and rental fees. More importantly, my credit report now shows a 90-day late payment, which is entirely the result of TFSs mismanagement and lack of proper guidance, not any failure on my part. I have maintained an excellent credit history my entire life, and this unjust reporting has severely damaged my credit, causing both financial and emotional distress. This situation was entirely avoidable and has left me extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am XXXX XXXX, living at XXXX XXXX XXXX XXXX IL XXXX I have opened an account at TD Bank in Florida Branch at XXXX XXXX FL XXXX. XXXX I can't go to Florida to close the account. 
I had a hard time to add and external in XXXX online. 
They have confirmed the transfer. 
They said just wait couple of days for the transfer to be completed. 
They keep deceiving and mocking me by never transferring money anywhere. 
My {$900.00} cents is still sitting there, and I was appealing to the highest management, nobody helps me. 
Please step in and force them to return my money and close that account. 
Thank you in advance for your help. 
Best wishes of good health and prosperity! 
I am XXXX XXXX XXXX, senior citizen. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently obtained a copy of my consumer file disclosure from Early Warning Services ( EWS ) dated XX/XX/year> ( Consumer ID : XXXX ). After reviewing it, I found inaccurate information that is negatively affecting me. 

Specifically, there are unauthorized inquiries listed in my file, including one on XX/XX/year>, as well as other inquiries that I did not authorize. I never applied for accounts that would justify these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information in my consumer file. I submitted a formal dispute to Early Warning Services requesting that they investigate these inquiries and remove them. However, I am filing this complaint to ensure that EWS complies with their obligations to investigate, correct, and provide me with a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion is continuing to report a collection account from XXXX XXXX XXXX XXXX in the amount of {$120.00} that is not properly verified and is inaccurate. 

I disputed this account with TransUnion, but instead of providing evidence, TransUnion returned a verified as accurate result without sharing how the investigation was performed or what records were reviewed. This is not acceptable under the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681e ( b ), TransUnion must assure maximum possible accuracy. Under 1681i ( a ) ( 1 ) & ( 7 ), when a consumer disputes, the bureau must conduct a reasonable reinvestigation and disclose the actual method of verification. TransUnion has failed on both counts. 

The only document the collector ever produced was a generic gym contract. That does not establish a valid debt, billing history, or proof of assignment to collections. Reporting this as verified when no proof exists is misleading and harmful to me 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 explanation
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-17 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 am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: MS

Complaint narrative:
I obtained a loan from XXXX XXXX, which I paid down to {$1000.00}. Despite my payments, I am being pursued for the full original balance. I received a demand from Attorney XXXX XXXX XXXX, XXXX, XXXX, who represents collection efforts. The demand ignores credits for payments made and threatens further collection of an inflated balance. 

Additionally, this account appears to have been sold or assigned without providing proper validation or notice. I was never given clear documentation proving ownership or assignment of the account ( potentially to Velocity Investments , LLC ). 

This violates multiple laws : FDCPA ( 15 U.S.C. 1692g ( b ) ) collection must stop until validation is provided ; debt can not be sold or assigned without proper validation. 
FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ) misrepresentation of debts legal status.

Military Lending Act ( 10 U.S.C. 987 ) voiding predatory loans.

Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) protections against abusive collection.

Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) requiring accurate disclosures.

Mississippi Consumer Protection Act ( Miss. Code Ann. 75-24-5 ) prohibiting deceptive or unconscionable practices.

UCC Article 9 ( Miss. Code Ann. 75-9-406 ) assignments must be documented and notice given to the debtor.

Furthermore, I note that my first notice of Velocitys involvement was through a formal lawsuit filed in your offices name. I was never provided with validation, notice of assignment, or documentation prior to this suit. Pursuing litigation without prior validation or notice violates FDCPA 1692g ( b ), 1692e ( 2 ) ( A ), and 1692e ( 10 ), as well as the Mississippi Consumer Protection Act and UCC Article 9. 

I am requesting the complete removal/abatement of this debt and the cessation of all collection activity, as the debt has been sold without validation and the collection attempts are unlawful and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
Subject : LVNV Funding Improper Collection Reporting I dispute the LVNV Funding collections on my credit report LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
In XXXX, I was struggling to make payments on my credit cards. Bank of America did not let me transfer my balance to another card, nor would it let me pay my monthly payments with another card. In XXXX of XXXX, I decided to work with a debt consolidation company to help me pay all of my credit cards off, and Bank of America refused to respond or work with them. They kept adding fees because I was not paying them directly, and even with my debt consolidation, we were both trying to contact them, but they continued not to respond. They ended up closing my account and completely removing all its information from my mobile app. Then, nothing was sent to me with details on how to continue to pay them if/ when I could. My debt consolidation people told me that for their program to work, I'd need to stop making payments to my bank, which I did. Now, Bank of America is suing me for what I owed them, plus the fees they added.

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