vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I got a call from XXXX XXXX in XX/XX/year> about a utility balance unpaid at a particular address XXXX XXXX XXXX, XXXX. I told them that I never lived at that address and that I never called in to open a utility account under my name nor did I gave anyone permission to do so. Then, XXXX  XXXX XXXX staff went to listen to the phone call of the person who opened the account and confirmed it was not me. I reported to the police, and i got a report. The police told me it is under investigation. Early this month XXXX, I saw a significant drop in my credit score and it was showing deliquent payment from center point related to the same bill i already told them I was not responsible for. I called XXXX XXXX XXXX and they asked me to send some documents, which was sent. They told me that they can confirm it was fraud and they already told the credit bureau to delete it from my report. I called Equifax, Experian, and trans union, but they all refused to remove it. I have an important deal that I need to complete that is important for the safety and survival of my family, and this issue has damaged my credit score and making the deal difficult to complete. I will really appreciate if this is treat as urgent and help me fix this 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 2025-08-27 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: TX

Complaint narrative:
I got a call from XXXX XXXX in XX/XX/year> about a utility balance unpaid at a particular address XXXX XXXX XXXX, XXXX. I told them that I never lived at that address and that I never called in to open a utility account under my name nor did I gave anyone permission to do so. Then, XXXX  XXXX XXXX staff went to listen to the phone call of the person who opened the account and confirmed it was not me. I reported to the police, and i got a report. The police told me it is under investigation. Early this month XXXX, I saw a significant drop in my credit score and it was showing deliquent payment from center point related to the same bill i already told them I was not responsible for. I called XXXX XXXX XXXX and they asked me to send some documents, which was sent. They told me that they can confirm it was fraud and they already told the credit bureau to delete it from my report. I called Equifax, Experian, and trans union, but they all refused to remove it. I have an important deal that I need to complete that is important for the safety and survival of my family, and this issue has damaged my credit score and making the deal difficult to complete. I will really appreciate if this is treat as urgent and help me fix this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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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 2025-08-27 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: GA

Complaint narrative:
After obtaining my credit report I noticed there are many hard inquiries that I didn't authorize. Under the FCRA, a hard inquiry may only be made with my written authorization or in connection with a credit transaction I initiated. Since I did not authorize these inquiries, nor did I initiate a credit application with these companies, they are being reported in error.

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 2025-08-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I originally leased a XXXX XXXX XXXX in XXXX and made all my payments for nearly 3 years. At the end of the lease, I decided to purchase the vehicle. On XX/XX/XXXX, I signed a Retail Installment Sale Contract through XXXX  XXXX XXXX to finance the remaining balance. Toyota Motor Credit Corporation ( XXXX ) approved a loan of {$36000.00} at a 10.82 % interest rate, with {$700.00} monthly payments for 72 months. This amount includes over {$6000.00} in optional products ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) that were added without my informed consent or clear explanation. Neither I nor my wife, who also signed, were properly told that these products would be included in the final amount. I have repeatedly asked Toyota to clarify : - How the nearly 3 years of lease payments ( XXXX ) were applied or credited toward the purchase. - Why the financed amount shows no deduction for payments already made. - Why these optional products were added and can not be canceled. Toyota has continuously ignored the original lease and only refers to the XXXX loan contract, as if this were a new vehicle purchase which it is not. This misleading approach creates the impression that I started from XXXX in XXXX, disregarding three years of prior payments. I am now facing financial hardship and requested a loan restructuring. Toyota denied my request and continues to pursue collections, despite my documented hardship and the open dispute. I believe this constitutes a deceptive and abusive lending practice. Since my initial CFPB complaint : - I received a letter from an attorney representing XXXX XXXX XXXX, denying all responsibility. - XXXX XXXX XXXX, the dealerships finance manager, rejected all certified letters I sent, returning them unopened. I have photographic evidence of this. - I have now filed additional complaints with the California Attorney General, the DFPI ( again ), the FTC, and the Better Business Bureau. This situation demonstrates not only financial abuse but also deliberate obstruction. I respectfully ask the CFPB to : - Require Toyota to provide a full accounting of how the final loan amount was calculated, - Investigate whether proper disclosures and consumer protections were followed during this lease buyout process, - And determine if these practices violate federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
Inaccurate accounts are reporting to 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 2025-08-27 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This inquiry was not approved by me, and I did not communicate with the lender on the stated date.

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 2025-08-27 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: PA

Complaint narrative:
After reviewing my credit profile, I notice that I have fraudulent collections listed on my credit report. The fraudulent collections have hurt my ability to obtain new credit. Please remove the fraudulent collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
After reviewing my credit profile, I notice that I have fraudulent collections listed on my credit report. The fraudulent collections have hurt my ability to obtain new credit. Please remove the fraudulent collections 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 explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
After reviewing my credit profile, I notice that I have fraudulent collections listed on my credit report. The fraudulent collections have hurt my ability to obtain new credit. Please remove the fraudulent collections 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 2025-08-27 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: NV

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following accounts, which I do not recognize and/or do not recall authorizing : XXXX XXXXXXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$1000.00}. 
XXXX XXXX XXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$520.00}. 
XXXX XXXX XXXXXXXX XXXX Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$720.00}. 
XXXX XXXX Account opened XXXX XXXX, XXXX, Status : Charged off, {$800.00} written off as of XX/XX/XXXX, Original Balance {$870.00}. 
XXXX XXXX Account opened XX/XX/XXXX, Status : Paid in settlement, Closed XX/XX/XXXX, Original Balance {$240.00}. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 

This is the third time Ive had to say something in regards to these accounts please do a thorough investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NV

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns the following accounts, which I do not recognize and/or do not recall authorizing : XXXX XXXXXXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$1000.00}. 
XXXX XXXX XXXX XXXX XXXX  Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$520.00}. 
XXXX XXXX XXXXXXXX XXXX Account opened XX/XX/XXXX, Status : Paid, Closed XX/XX/XXXX, Original Balance {$720.00}. 
XXXX XXXX Account opened XXXX XXXX, XXXX, Status : Charged off, {$800.00} written off as of XX/XX/XXXX, Original Balance {$870.00}. 
XXXX XXXX Account opened XX/XX/XXXX, Status : Paid in settlement, Closed XX/XX/XXXX, Original Balance {$240.00}. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information. 
2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 

This is the third time Ive had to say something in regards to these accounts please do a thorough investigation

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I transferred funds from XXXX to my Wells fargo because I had an auto bill getting ready to come out and needed to put the money in so I transferred and checked the money was transferred and showed in my acct then the next morning it wasn't there wells fargo took the money I transferred out of my acct so they could hold it for three days so my bill got tossed back I paid I gripped about it and they closed my acct because I complain about thier crooked activities

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting my Resident Score as XXXX, which is inaccurate and unfair, preventing me from renting an apartment. My regular TransUnion credit score is XXXX, I have been approved for a car loan and a credit card, and my debt-to-income ratio is 20 %. 

The Resident Score appears to factor in circumstances that are beyond my control, including : Spousal abuse and domestic violence Divorce-related financial hardship Forced eviction from XXXX XXXX due to safety concerns I have documentation supporting these circumstances. 

Additionally, as you may recall, I previously filed a complaint with CFPB regarding XXXX XXXX and the collection account they turned over to XXXX XXXX, which is no longer associated with my balance. XXXX XXXX failed to respond to CFPB, so the case was referred to the Federal Trade Commission. Despite this prior resolution, TransUnion continues to report information from this account, which should not negatively affect my Resident Score. 

TransUnion has not provided an explanation of how this score was calculated or corrected these unfair factors. The inaccurate Resident Score is causing immediate housing hardship.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX XXXX XXXX against Portfolio Recovery Associates ( PRA ). 

This is the second time I have requested validation of the alleged debts, and PRA has failed. They only sent statements and a generic bill of sale, which do not meet the legal requirements of validation under the FDCPA.

In addition, PRA is using the last four digits of my Social Security Number, information I never provided to them. I demand to know how they obtained it, who gave it to them, and under what legal authority they are allowed to use it, as this is protected information under the GLBA.

If PRA can not fully validate the debts, they must immediately remove these accounts from my credit reports with XXXX XXXX and XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In CFPB report XXXX, which was closed on XX/XX/year>, PRA stated that XXXX XXXX whose social security number ends in XXXX. I demand to know how you obtained this information and who provided it to you, with supporting evidence. 

Their continued reporting without validation is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely XXXX. Do anything necessary to remove them from my report now!

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I signed up for an online program called XXXX XXXX, which cost {$3800.00}. During the sign-up process, I explained to the representative that I needed a payment plan, and she recommended Affirm. Based on how it was presented, I believed Affirm was a simple installment plan, like XXXX or XXXX, not a loan. At no point was interest or financing mentioned. 
I later discovered that this was actually a loan with interest, increasing the total repayment amount to {$5600.00}. I currently have 26 payments remaining. I enrolled in the program and signed the Affirm agreement on XX/XX/XXXX, and made my first payment on XX/XX/XXXX. My Loan ID is XXXX. 
I didnt realize Affirm was a loan until I tried to exit the program in XX/XX/XXXX. When I submitted the exit form to XXXX XXXX, they informed me I was still responsible for the remaining payments. Thats when I realized that Affirm was not just a payment plan but a loan with interest. 
I attempted to dispute the loan with Affirm, but they sided with the merchant. Affirm informed me that the only way to exit the loan would be for the merchant to issue a refund. However, XXXX XXXX claims to have a strict no-refund policy, leaving me stuck with a financial obligation I did not fully understand or agree to at the time of enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MS

Complaint narrative:
In reviewing my credit reports, I found inaccuracies in the reported late payments for my XXXX XXXX XXXX student loan. 

In XX/XX/XXXX, Experian shows the account as 180 days past due, while both Equifax and TransUnion show it as 150 days past due. The 180day report is incorrect. 

In XX/XX/XXXX, Equifax shows the account as 150 days past due, while both Experian and TransUnion show the account as current with no delinquency.

The 150day report is incorrect. These discrepancies show that the information being furnished is inconsistent and inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute
and request correction of inaccurate information.

Company response to consumer: Closed with non-monetary relief