vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This agency is claiming to be the original creditor and is lying and committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: VA

Complaint narrative:
CFPB : RE-OPEN IMMEDIATELY DOCUMENTED TILA / CFPA VIOLATIONS Volkswagen XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account XXXX ( Last closed CFPB complaint XXXX XXXX  committed willful violations of the Truth in Lending Act and the Consumer Financial Protection Act by : 1. Granted five written payment deferrals ( XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ) 2. Accepting {$1700.00} in payments from me during those exact " deferred '' months ( {$710.00} XX/XX/XXXX, {$50.00} XX/XX/XXXX, {$950.00} XXXX XXXX ) 3. Deliberately refusing to apply those payments to principal 4. Extending my {$49000.00} / 21.51 % APR / 72-month contract by the full five months to XX/XX/XXXX. 

5. Demanding and collecting an additional {$6900.00} final payment on XX/XX/XXXX, that would have been approximately {$1400.00} had the {$1700.00} been properly credited. 

Result : XXXX extracted a minimum of {$5500.00} through unauthorized finance charges and an illegal five-month extension. 


These acts violate, at a minimum : 15 U.S.C. 1638 ( a ) ( 3 ) ( 6 ) and Regulation Z 1026.18 inaccurate disclosure of finance charge and total of payments.

12 C.F.R. 1026.36 ( c ) Prohibited payment misapplication.

12 U.S.C. 5536 ( a ) ( 1 ) ( B ) unfair, deceptive, and abusive acts.

Attachments ( all included ) : 1. Retail Installment Contract 21.51 % APR, {$680.00} monthly, 72 months 2. Bank statements and XXXX payment log as proof of {$350.00} bi-weekly payments ( on pace to finish XXXX ) also providing proof of the {$1700.00} paid during deferral periods 3. XXXX  deferral letters and own records admitting the 5-month extension 4. XXXX own letter admitting the five-month extension XXXX. XX/XX/XXXX, payoff quote and XX/XX/XXXX, settlement showing illegal {$6900.00} collection. 


I demand within 15 days : - Full refund of {$5500.00} ( actual + excess finance charges ) via ACH or cashiers check - TILA statutory damages of {$4000.00} - Deletion of the tradeline or re-reporting as paid as agreed never late - Written apology and confirmation of corrective action Failure will result in immediate private TILA litigation ( statutory + actual damages + attorney 's fees ) and referral to the FTC and my state Attorney General for systemic investigation. 

I want this description published so others can learn from my experience. 

Veteran, Texas permanent resident. 



XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting. 

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit file.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security XXXX XXXX and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I dropped my wallet onto XXXX XXXX while exiting my car. I did not notice until the next morning ( XX/XX/year> ) when my neighbor ( another tenant in the same apartment building ) noticed that someone had placed my wallet at our buildings door. He handed it off to my mother-in-law ( the landlord ) who then gave it to me. On XX/XX/XXXX, I noticed an alert for potential fraud from another credit card account ( which turned out to be valid ), leading me to examine all my credit card statements. I realized someone made a purchase of {$370.00} at a neighborhood store Ive never set foot in on XXXX, Thursday XX/XX/XXXX ( posted the following day ). This transaction would have been impossible from my end as I was home all day cooking for the holiday and did not step foot outside the building. Additionally, I did not authorize this card to be used by anyone else. I made a fraud claim to Bank of America XX/XX/year>, but was unsure if it went through so followed up with another claim on XX/XX/year>. Bank of America rejected the claim on XX/XX/year>.

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 2025-12-08 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: CA

Complaint narrative:
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! 


XXXX  - XXXX INQUIRIES : XXXX  XXXX - XX/XX/year>

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 2025-12-08 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
There is no third-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to formally dispute several late payment entries reported across multiple accounts associated with the loan servicing company XXXX. 
1. TOYOTA MTR Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-08 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:
Could you review this because it's late and may not be accurate?

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I used an offer when opening the account that would credit my account for {$800.00} if I direct deposit $ XXXX. I fulfiled this condition quite a few months ago. BOA is backtracking on its promise and failed to deliver.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Date : XX/XX/year> I am writing to file a formal complaint against PayPal and XXXX regarding unauthorized charges made to my PayPal account due to a security breach, and both companies ' subsequent failure to properly investigate and resolve this fraudulent transaction.

Incident Details : On XX/XX/year>, my PayPal account was hacked, and an unauthorized charge was made to MoonPay.com without my knowledge or consent. The fraudulent transaction details are as follows : Date of Fraud : XX/XX/year> Despite reporting this unauthorized transaction immediately, PayPal has failed to properly investigate this clear case of account compromise. Instead of protecting me as a victim of fraud, PayPal is now attempting to collect the fraudulent charges from me. This violates consumer protection principles and places the burden of their inadequate security measures on me, the victim. PayPal 's collection practices regarding fraudulent charges I did not authorize constitute illegal collection attempts. 

Issues with XXXX : XXXX has provided no meaningful assistance in resolving this matter. They offer only email support and have been unable or unwilling to provide any information about how this fraudulent transaction was allowed to proceed on their platform, despite their stated fraud prevention measures. 

Relief Requested : Investigation into both companies ' handling of this fraudulent transaction Immediate cessation of PayPal 's illegal collection practices for unauthorized charges Full refund of all fraudulent charges currently due on my PayPal account Accountability for both companies ' failure to prevent and properly address this fraud My Position : This fraudulent transaction is a matter between XXXX and PayPal to resolve. I am the victim of account compromise and should not be held financially responsible for charges I did not authorize or make. 

I have exhausted all reasonable attempts to resolve this matter directly with both companies. I am requesting your assistance in investigating this complaint and ensuring that these companies fulfill their obligations to protect consumers from fraud. 

I demand that PayPal immediately cease and desist all collection activities related to these fraudulent charges and refund any amounts improperly charged to my account. 

I am available to provide any additional information or documentation needed for your investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am filing this complaint regarding Early Warning Services , LLC ( EWS ), a nationwide consumer reporting agency and data broker owned by several large banks. I am the victim of identity theft and am trying to reduce the risk of further misuse of my information. Because EWS maintains consumer reports and risk files used by banks to open and verify accounts, I am attempting to place a security freeze and opt out of non-essential use of my data. 

EWS markets itself as operating under the Fair Credit Reporting Act and states that consumers have a right to dispute, correct, and restrict their information. However, it is extremely difficult to exercise those rights in practice. EWS does not provide a clear, transparent, or simple process to request a security freeze and opt-out. The instructions are confusing, scattered across multiple pages, and do not clearly explain how to restrict EWS from sharing or using my data for purposes beyond what is legally required. 

I am requesting that EWS : ( 1 ) place a full security freeze on all consumer reports or files associated with my identity ; ( 2 ) honor my request to opt out of any disclosure, sale, or sharing of my personal information that is not strictly required by law or necessary to complete transactions I initiate ; and ( 3 ) provide written confirmation that the freeze and opt-out have been applied.

I am asking the CFPB to review EWSs procedures for security freezes and opt-outs and to ensure that EWS treats itself as a consumer reporting agency subject to the FCRA and other applicable consumer protection laws. Consumers should not have to struggle to find or exercise basic rights to limit the use of their personal information, especially when they have documented identity-theft concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Mirand Response Systems, Inc.
State: IN

Complaint narrative:
I have received several calls from Mirand Response Systems that are coded as different numbers : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On XX/XX/XXXX, I received an unsolicited text message from Mirand Response Systems from short code XXXX. The text stated : Mirand Response Systems, a debt collector : You may qualify for a payment plan for your XXXX XXXX XXXX  debt. Your reference Number is : XXXX. Call XXXX or visit XXXX. Reply STOP to opt out.

I never provided this company with consentwritten, verbal, electronic, or impliedto contact me by text message. Under Regulation F ( 12 CFR 1006.6 ( d ) ), a debt collector may not contact a consumer via text unless prior consent exists. They violated this requirement.

The communication also failed to include a legally compliant Mini-Miranda disclosure, violating FDCPA 1692e ( 11 ) and Regulation F 1006.18 ( b ).

Mirand Response Systems has not provided any written debt validation notice, which debt collectors are required to send within five days of the initial communication under FDCPA 1692g ( a ) and Regulation F 1006.34. I am requesting CFPB enforcement and for the company to cease all
communication except to provide a proper validation notice.

I am also requesting statutory damages for the violation ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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