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

Complaint narrative:
VIOLATIONS OF THE XXXX ACT XXXX : XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with XXXX XXXX banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the XXXX banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, XXXX XXXX  AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA XXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

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 2025-09-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX  XXXX - XXXX - Date Opened : XX/XX/XXXX - {$73.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$610.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$10000.00}, XXXX - XXXX - Date Opened : XX/XX/XXXX - {$600.00}, XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$100.00}, XXXX XXXX XXXX  - XXXX Date Opened : XX/XX/XXXX - {$180.00}, XXXX XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX  - XXXX - XXXX Opened : XX/XX/XXXX - {$350.00} ; XXXXXXXX XXXX XXXXXXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$0.00} ; XXXX XXXX  XXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX - XXXX - Date Opened XXXX XX/XX/XXXX - {$610.00} ; XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX - Date XXXX XXXX XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$180.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX XXXX {$350.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX  XXXX - XXXX - Date Opened : XX/XX/XXXX - {$73.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$610.00}, XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$10000.00}, XXXX - XXXX - Date Opened : XX/XX/XXXX - {$600.00}, XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$100.00}, XXXX XXXX XXXX  - XXXX Date Opened : XX/XX/XXXX - {$180.00}, XXXX XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX  - XXXX - XXXX Opened : XX/XX/XXXX - {$350.00} ; XXXXXXXX XXXX XXXXXXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX  - XXXX - Date Opened : XX/XX/XXXX - {$0.00} ; XXXX XXXX  XXXX - XXXX - Date XXXX XXXX XX/XX/XXXX - {$73.00} ; XXXX XXXX - XXXX - Date Opened XXXX XX/XX/XXXX - {$610.00} ; XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX - Date XXXX XXXX XX/XX/XXXX - {$350.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX - {$180.00} ; XXXX XXXX XXXX - XXXX - Date Opened : XX/XX/XXXX XXXX {$350.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2025-09-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
Complaint Against Experian Identity Theft Violations I am filing this complaint because Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 611, regarding fraudulent accounts on my credit report. 

On XX/XX/year>, I submitted a complaint through the CFPB portal. Experian responded by stating that the disputed accounts were verified with the furnishers. However, I am a confirmed victim of identity theft and did not authorize or open these accounts. 

The fraudulent accounts and items include : XXXX XXXX XXXX XXXX XXXX DEPT OF ED-XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX  Hard Inquiry Hard inquiry/address tied to XXXX XXXX XXXX XXXX XXXX OH XXXX, which I have never lived at or used. 

Experian continues to provide copy-and-paste responses that do not demonstrate a reasonable investigation. They rely only on the furnishers verification without providing me with supporting documentation to substantiate their findings. This is not a reasonable investigation under FCRA Section 611.

Under FCRA Section 605B, once a consumer provides an FTC Identity Theft Report and proof of identity, the credit bureau must block fraudulent accounts from the report within 4 business days unless the bureau has certified proof that the accounts are not the result of identity theft. Experian has failed to meet this requirement.

These fraudulent accounts and inquiries continue to harm me, causing credit denials, financial hardship, and risk to housing stability.

I am requesting that the CFPB require Experian to : 1. Permanently block and remove the above fraudulent accounts and inquiries from my credit report.

2. Disassociate the fraudulent address XXXX XXXX XXXX XXXX XXXX OH XXXX from my file. 
3. Provide me with the actual documentation used to verify the disputed items.

4. Provide written confirmation that these corrections have been made in compliance with FCRA Sections 605B and 611.

Thank you for your attention to 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 2025-09-09 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: OR

Complaint narrative:
CEASE AND DESIST VIOLATIONS. MASSIVE DATA BREACH AND ALL MY INFO WAS HACKED. NO WRITTEN CONSENT TO FURNISH INFORMATION EVER PROVIDED TO CRA 's. 
CRA 's continue to report derogatory, inaccurate, unverified, accounts with unknown and partial account numbers. CRA 's Refuse to remove fraudulant unverified and incorrect XXXX and XXXX XXXX accounts. All information was sent including XXXX UNABLE to LOCATE ANY ACCOUNT WITH MY LEGAL NAME. 
CRA ' s have not updated or provided updated credit report as requested in formal dispute that accompanied cease and desist letter. 
Partial account numbers shown are in violation of Metro 2 compliance, never fully verified in violation of numerous FCRA, Fdcpa, UCC, CFR name variations are false and any account without my legal name need to be removed. 
Several CFPB complaints closed without action. 
All proper identifying information was sent to each CRA via certified letter and signed as received.

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

Complaint narrative:
I previously disputed an account from XXXX ( Account # XXXX ) multiple times. Fore more than 4 months, I have receipts from the XXXX XXXX attached as proof. Experian claimed the account was 'verified, ' but they never provided any documentation or proof of the alleged debt. Despite my repeated disputes online and via letters, the account remains on my credit report with inaccurate information, including duplicate charge-off notations and conflicting balances. Experian has failed to properly investigate or ensure accuracy, violating FCRA 611 ( a ) and 607 ( b ). I am requesting the account be deleted from 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 non-monetary relief
Consumer complaint received 2025-09-09 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: FL

Complaint narrative:
I previously submitted disputes directly to the credit reporting bureau ( s ), along with supporting documentation, but the inquiries remain on my report without proper validation. I have not received copies of any signed authorization forms or evidence confirming that I permitted these inquiries.

These unauthorized inquiries are negatively impacting my credit profile, and I am requesting that the Consumer Financial Protection Bureau assist in ensuring that the credit reporting bureau ( s ) and/or furnishers provide the legally required documentation or remove these inquiries in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: NM

Complaint narrative:
XXXX XXXX sunloan keeps calling me for some one that owns on a loan its not my loan but they are harassing me and were extremely rude to me. They keep calling under unknown numbers

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

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate and unverifiable information from XXXX XXXX ( XXXX XXXX ). 

The XXXX tradeline contains contradictory and impossible data. For example, the reported account history shows OK status while also showing a {$0.00} payment for the same month. It also reports a XXXX late in XX/XX/XXXX that conflicts with XXXX own records. This demonstrates that the data is inaccurate and unreliable. 

I disputed this account with TransUnion in XX/XX/XXXX and specifically requested the XXXX of XXXX under FCRA 611 ( a ) ( 7 ). TransUnion marked the account verified but did not provide the furnishers name, contact information, method of verification, or any supporting documentation. 

On XX/XX/XXXX, I also sent a certified dispute and validation demand directly to XXXX XXXX, requesting a signed contract, billing statements, complete payment history, and proof of accuracy. XXXX did not provide any documentation. 

On XX/XX/XXXX, I filed an FTC Identity Theft Report ( # XXXX ), which specifically listed Self Financial as XXXX of the accounts to be blocked under FCRA 605B. TransUnion has not complied. The account continues to appear on my TransUnion credit file despite my valid identity theft block request.

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 2025-09-09 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Car loan over charger XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX and I have personally written this message to bring to your attention unauthorized accounts on my credit report. These has hindered my score and as a result I am unable to grow and improve my life as a young XXXX woman because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. 
Please remove them all as soon as possible. My credit score has dropped significantly due to this. I have tried my best to resolve this with the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) And they refuse to be professional and resolve this with accuracy and investigation. 
I have already created an FTC as well. I am extremely upset about these accounts, as I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX for approximately {$37000.00}. 

I made a {$10000.00} down payment. 

However, the dealer added approximately {$17000.00} in unwanted products and service contracts without my informed consent, inflating the financed amount to over {$45000.00}. 

The dealer also extended the loan term from the 72 months that was discussed to 83 months, without my understanding or agreement. 

The add-ons I am disputing include : Toyota XXXX  XXXX {$4800.00} Toyota XXXX XXXX {$3100.00} Vehicle Protection {$3100.00} Theft Protection {$790.00} Appearance Protection {$1200.00} Tire & Wheel Protection {$1000.00} Windshield Protection {$1200.00} Key Protection {$600.00} Dent Protection {$1300.00} On XX/XX/year>, I sent certified letters to both XXXX  XXXX XXXX and TMCC, requesting immediate cancellation of these add-ons and attaching a copy of the original contract.

In addition, I also sent certified cancellation letters directly to the addresses listed in the Cancellation sections of the contracts, as instructed. 
In all of these letters, I exercised my contractual right to cancel within 30 days for any reason and specifically asked for written confirmation that cancellation was in process. 

Both the dealer and TMCC received my letters ( proof of delivery is attached ). 

As of today ( XX/XX/year> ), more than 20 days later, I have received no reply from either the dealer, TMCC, or the contract administrators. 

I believe I was pressured, misled. The dealer knew I was unfamiliar with financing, yet repeatedly changed the terms and overwhelmed me until I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-09 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: TN

Complaint narrative:
Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( FCRA ) To whom it may concern, I am writing to formally dispute and request the blocking of fraudulent accounts on my credit report that were not opened or authorized by me and are the result of identity theft.

Pursuant to 15 U.S.C. 1681c-2, I am requesting that you immediately block the reporting of the following accounts from my credit file : Accounts to Be Blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or reported in my name without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right as a victim of identity theft to request the removal ( blocking ) of this information from my credit report.

Company response to consumer: Closed with explanation