vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy of the repossession reporting on my credit file under FCRA 611 and FCRA 1681s-2 ( a ).

This account was repossessed, sold, and later paid, but the information currently reporting is inaccurate and incomplete, including : Failure to provide required UCC pre-sale and post-sale notices Showing an incorrect balance after the vehicle was sold Reporting past-due amounts after the collateral was sold, which is not permissible Continuing to report derogatory status even though the account is settled/paid Because the furnisher failed to provide legally required documentation and is reporting incomplete and inaccurate data, I request verification of : 1. Exact date of repossession 2. Date of sale and sale price 3. Deficiency calculation 4. Proof that required UCC notices were mailed 5. Proof the reporting complies with FCRA accuracy standards If the furnisher can not provide this documentation, the account must be deleted for failure to verify under FCRA 611 ( a ) ( 5 ). 

Please complete your investigation and notify me in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 
The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 
I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because TransUnion is reporting unauthorized, unverifiable, and incorrect information that negatively impacts my credit. 

XXXX. Charged Off Disputed XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$240.00} These accounts are incorrectly reported. I request that TransUnion verify or remove these accounts if they can not be properly validated. 

XXXX. Inquiries Disputed The following inquiries were unauthorized and should be removed : XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX  Date Open : XX/XX/XXXX These companies did not have my consent to perform these inquiries. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am filing a formal dispute regarding the following accounts. These accounts do not accurately reflect the status of my credit history. I request immediate correction and updating of my credit report to reflect accurate information. 

Charged Off Accounts : Bankruptcy Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00}

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 2025-11-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am writing to dispute certain items on my Experian credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in dispute : Charged Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4900.00} Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX 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 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
i have no clue who is LVNV I would like to know the original creditor 's name i would like a full payment history of the debt i am being accused of the copy of the original agreement between me and the original creditor and Proof that LVNV owned the debt.

And do LVNV have any witnesses for the Transfer of debt?

i would like to know the validation resource for their accuracy.

For the best outcome, i would like this account removed from my credit report. 

XXXXXXXX XXXX XXXXXXXX - Validation of Debts - Debt Collection ( XXXX ) A debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collected ; and ( b ) A ledger, account card, or similar record in the possession of a debt collector, whether paper or electronic, which reflects the date and amount of payments, credits, and charges concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year> I booked a trip through Chase XXXX XXXX from XXXX ( XXXX ) to XXXXXXXX XXXX XXXX ), September 1320, 2025. Cost : {$1100.00} - Outbound : XXXX XXXX ( XXXX XXXX, operating ), XXXX XXXX XXXX XXXX XXXX operating & ticketing ). 
- Return : XXXX XXXX XXXX XXXX XXXX operating & ticketing ), XXXX XXXX ( XXXX XXXX, operating ). 
- I accepted a schedule change for XXXX XXXX flight on XX/XX/year>, and my booking was confirmed thereafter. 
On XX/XX/year>, I arrived at XXXX airport more than XXXX hours before departure. XXXX XXXX agents informed me they were unable to issue a boarding pass because XXXX XXXX had not authorized or updated my ticket in their system. Despite my compliance with all requirements, including acceptance of the schedule change months earlier, I was denied boarding. 
XXXX XXXX further advised me to purchase an additional ticket from XXXX XXXX ( {$260.00} ) so that I could speak directly with XXXX XXXX staff in person. I did so, but my original ticket was already blocked in the system, and I was unable to board the original itinerary. 

After this, I submitted a claim to Chase Benefits ( Assurant ). The initial claim was denied, so I submitted a written appeal with supporting documents including boarding passes, emails, refund denial from XXXX XXXX, work XXXX requests, and time stamped phone calls attempting to resolve issue on day of travel. My written appeal was accepted for {$260.00} but denied {$1100.00} as the situation did not " fall under insurance coverage guidelines. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I moved into Trailpoint at the XXXXXXXX XXXX XXXX XXXX ) XXXX on XX/XX/year> and the apartment complex had a promotion where they will give a {$500.00} virtual visa prepaid credit card if I signed the lease within XXXX hours, which I did. After a month I noticed that I had not received the gift card via my email so I called the office on XX/XX/XXXX and XXXX XXXX which is the Assistant Community Manager advised she would see if she could forward the email again, I followed up on XX/XX/XXXX and I received a response back from them on XX/XX/XXXX stating that they resent the email with the virtual card. Once I did receive the email I accessed the card and someone had used almost half of the {$500.00} amount so I had to file a complaint with the company itself. They company advised that it would take up to 90 days to review and come into a determination. On XX/XX/XXXX I received an email with attached correspondence advising that they are approving my request for a refund and a check had been requested in the amount of {$500.00}. I am still yet to receive the funds, I have reached out to them at least 3 times and I keep getting the run around saying for me to provide a copy of my lease agreement showing my address, I have done this several times and still nothing. This is with XXXX XXXX XXXX, XXXX Payments, the Dispute Resolution Team XXXX XXXX XXXX, XXXX GA XXXX, the email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
WAKEFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research WAKEFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I received a collection notice from Credit Collection SERVICES in the amount of {$710.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt I need the proof of original validation letter. This company is violating multiple FDCPA laws and guidelines and have also violated my personal private information is being compromised and falsely reported by this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
In XXXX of XXXX, I shipped out for XXXX XXXX and was on XXXX XXXX XXXX  orders until XXXX. During that time, I was sent to collections by my XXXX. I had called them to tell them that I would not be able to make payments while I was gone and they said they would freeze the account. Instead they illegally sent me to collections ( as I am protected by SCRA ). I submitted a dispute through XXXX  and it was rejected with the note " consumer disagrees '' and no additional information was requested. This has negatively effected my report for years and cost me tons of money in interest. Conserve is illegally refusing to remove the collection from my report stating " it is against their policy ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY

Complaint narrative:
I opened an CD for {$10000.00} from the money in my Savings Account. There was a hold on my savings account but no CD was opened for 3-4 business days. I called the XXXX line and they could not answer the questions, promised to call me back or respond back on my email, did not recieve.

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