vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is reporting incorrect and outdated personal information, including a previous address at XXXX XXXX XXXX AV XXXX XXXX, AZ XXXX and an alias XXXX, XXXX. Neither this alias nor the associated address accurately reflects my current identity or residence. These discrepancies raise serious questions about how my information is being managed and whether there has been a data breach. Under 15 USC 1681e ( b ), TransUnion must follow strict procedures to ensure the accuracy of personal identifying information. This is not a trivial issueincorrect personal details can lead to mismatched data, wrongful account attribution, or identity misrepresentation across the credit system.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/year> made a payment {$120.00} to toyota was accpected XX/XX/year> made payment {$390.00} to toyota XX/XX/year> got email from toyota payment was posted XX/XX/year> toyota say it refunded my payment of {$390.00} never got my refund in which i never recieved a refund into my bank also question is why? 
did toyota refunded a payment i never got back? 
why isnt payment wasnt {$390.00} credited bank into my account why? 
ive made payment with my bank XXXX XXXX and payment have been accepted this is not the first time a payment has not been credit back into my account matter of fact i swear on the XXXX i have not recieved no refund that toyota state they reverse a payment on once and that was XX/XX/year> first time ever and in my bank statement of XXXX XXXX why didnt i recieved a declinded email like i did for XX/XX/year>? 
you never refunded me payment that you said they were reverse ive made an hard effort to keep my account up to date and you make statement that are false and put fee and more fees on my account. why??????? 
on XX/XX/year> and XX/XX/year> i made {$400.00} payment and they were accepted i had no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
XXXX XXXX Date XX/XX/2025 Reason : Inaccurate Information on my Credit Report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Financials customer service I was requesting written confirmation of the original loan approval terms, including the buy rate, conditions, and lender decision associated with my auto loan signed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Ive attempted to reach customer service by phone without success Westlake financial services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MA

Complaint narrative:
Money was taking from my account total of XXXX $ without my authorization, somebody hacked my debit card in the State of California, i live in XXXX Massachusetts, i logged in to my account after freezing my card, and i disputed those transactions, after waiting 10 days the dispute was denied, i do not know why.

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 2025-05-05 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 am writing to follow up once again regarding my formal dispute submitted previously, as I have yet to receive any written confirmation of an investigation or resolution. As mandated by the Fair Credit Reporting Act ( FCRA ), you were required to respond within 30 days, which has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
NOTICE TO FURNISHER DEMAND TO CEASE REPORTING UNVERIFIED INFORMATION XXXX To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Account Ending in # XXXX and # XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) regarding your reporting of the above-referenced account.

I have disputed this account with the credit bureaus, and you have failed to provide full validation, including documentary evidence, chain of assignment, and itemized account details. Reporting unverifiable or inaccurate information to consumer reporting agencies constitutes a violation of FCRA 1681s-2 ( a ) and FDCPA 1692e ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX for violating federal credit reporting laws related to my mortgage account, which is a VA-backed loan. I was placed on an approved forbearance in XXXX due to natural disaster-related hardship and was current prior to entering forbearance. 

On XX/XX/XXXX, while still under forbearance, I contacted XXXX XXXX and initiated a repayment plan. This call and plan initiation were later verified by XXXX XXXX through their own internal review after I provided phone records confirming the date and time of the call. 

Despite my full compliance with the repayment terms including making a payment on XX/XX/XXXX, as instructed XXXX XXXX reported my account as delinquent to the credit bureaus. This action has caused a significant drop ( nearly XXXX points ) in my credit score and has materially harmed my creditworthiness. 

XXXX XXXX initially claimed that my repayment plan was started outside of the forbearance period. After proving that was false, they then claimed I was reported delinquent due to a letter sent on XX/XX/XXXX stating they " may report the account as delinquent. '' Most recently, they stated that the CARES Act does not apply to VA loans, which is factually and legally incorrect. 

The CARES Act Section 4022 explicitly includes VA loans ( defined as " guaranteed under section 3703 of title 38, U.S. Code '' ) under the definition of federally backed mortgage loan. Moreover, Section 4021, which amends the Fair Credit Reporting Act ( FCRA ), requires that any account that was current prior to accommodation and is in compliance must be reported as current during the accommodation period. This protection applies regardless of loan type. 

Despite acknowledging that my VA loan is covered under the CARES Act, XXXX XXXX refuses to correct the derogatory credit reporting, and claims their actions were appropriate even though they conflict with the law and with CFPB guidance that states : When a lender or servicer offers a forbearance or repayment option and the consumer complies with it, the lender should not report the account as delinquent.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX for violating federal credit reporting laws related to my mortgage account, which is a VA-backed loan. I was placed on an approved forbearance in XXXX due to natural disaster-related hardship and was current prior to entering forbearance. 

On XX/XX/XXXX, while still under forbearance, I contacted XXXX XXXX and initiated a repayment plan. This call and plan initiation were later verified by XXXX XXXX through their own internal review after I provided phone records confirming the date and time of the call. 

Despite my full compliance with the repayment terms including making a payment on XX/XX/XXXX, as instructed XXXX XXXX reported my account as delinquent to the credit bureaus. This action has caused a significant drop ( nearly XXXX points ) in my credit score and has materially harmed my creditworthiness. 

XXXX XXXX initially claimed that my repayment plan was started outside of the forbearance period. After proving that was false, they then claimed I was reported delinquent due to a letter sent on XX/XX/XXXX stating they " may report the account as delinquent. '' Most recently, they stated that the CARES Act does not apply to VA loans, which is factually and legally incorrect.

The CARES Act Section 4022 explicitly includes VA loans ( defined as " guaranteed under section 3703 of title 38, U.S. Code '' ) under the definition of federally backed mortgage loan. Moreover, Section 4021, which amends the Fair Credit Reporting Act ( FCRA ), requires that any account that was current prior to accommodation and is in compliance must be reported as current during the accommodation period. This protection applies regardless of loan type. 

Despite acknowledging that my VA loan is covered under the CARES Act, XXXX XXXX refuses to correct the derogatory credit reporting, and claims their actions were appropriate even though they conflict with the law and with CFPB guidance that states : When a lender or servicer offers a forbearance or repayment option and the consumer complies with it, the lender should not report the account as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX for violating federal credit reporting laws related to my mortgage account, which is a VA-backed loan. I was placed on an approved forbearance in XXXX due to natural disaster-related hardship and was current prior to entering forbearance. 

On XX/XX/XXXX, while still under forbearance, I contacted XXXX XXXX and initiated a repayment plan. This call and plan initiation were later verified by XXXX XXXX through their own internal review after I provided phone records confirming the date and time of the call. 

Despite my full compliance with the repayment terms including making a payment on XX/XX/XXXX, as instructed XXXX XXXX reported my account as delinquent to the credit bureaus. This action has caused a significant drop ( nearly XXXX points ) in my credit score and has materially harmed my creditworthiness. 

XXXX XXXX initially claimed that my repayment plan was started outside of the forbearance period. After proving that was false, they then claimed I was reported delinquent due to a letter sent on XX/XX/XXXX stating they " may report the account as delinquent. '' Most recently, they stated that the CARES Act does not apply to VA loans, which is factually and legally incorrect.

The CARES Act Section 4022 explicitly includes VA loans ( defined as " guaranteed under section 3703 of title 38, U.S. Code '' ) under the definition of federally backed mortgage loan. Moreover, Section 4021, which amends the Fair Credit Reporting Act ( FCRA ), requires that any account that was current prior to accommodation and is in compliance must be reported as current during the accommodation period. This protection applies regardless of loan type. 

Despite acknowledging that my VA loan is covered under the CARES Act, XXXX XXXX refuses to correct the derogatory credit reporting, and claims their actions were appropriate even though they conflict with the law and with CFPB guidance that states : When a lender or servicer offers a forbearance or repayment option and the consumer complies with it, the lender should not report the account as delinquent.

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