vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late payment on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Late 120 days XXXX, XXXX, XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate late payment on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Late 120 days XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: DC

Complaint narrative:
I am submitting to express my growing frustration and serious concern regarding the continued inaccuracies on my Equifax, TransUnion and Experian credit report. Despite submitting previous disputes, I have discovered that certain items remain inaccurately reported, unresolved, and unverifiable. This ongoing misreporting is unacceptable and continues to negatively affect my financial standing and creditworthiness. I am formally demanding that Equifax, TransUnion and Experian conduct a full, thorough reinvestigation of the following items and correct or update my credit file in accordance with FCRA 611 ( 15 U.S.C. 1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DC

Complaint narrative:
I am submitting to express my growing frustration and serious concern regarding the continued inaccuracies on my Equifax, TransUnion and Experian credit report. Despite submitting previous disputes, I have discovered that certain items remain inaccurately reported, unresolved, and unverifiable. This ongoing misreporting is unacceptable and continues to negatively affect my financial standing and creditworthiness. I am formally demanding that Equifax, TransUnion and Experian conduct a full, thorough reinvestigation of the following items and correct or update my credit file in accordance with FCRA 611 ( 15 U.S.C. 1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 605 ( a ) prohibition on reporting obsolete information. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was cleared in full, but the report still lists it as having 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 explanation
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
b'I am submitting  to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report that remain\nunresolved despite my previous disputes. I am extremely frustrated and concerned that my credit file\ncontinues to include information that is inaccurate, incomplete, or unverifiable. These errors have the\npotential to harm my financial standing and misrepresent my creditworthiness. I am requesting that\nEquifax, TransUnion and Experian conduct a full and thorough reinvestigation of the following items and correct, update, or\nremove them as required under federal law, including FCRA 611 (15 U.S.C. 1681i procedure in\nthe event of disputed information), FCRA 623(a)(2) duty to correct and update, and FCRA\n609 right to full disclosure of informationXX/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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX ) Filed by : XXXX XXXX Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX Ct, XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Business Information : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX Website : classicelitebuickgmc.com Complaint Type : Auto Loan / Finance Misrepresentation, Unauthorized Charges, Financing Fraud Summary of Complaint : In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, and the dealership engaged in multiple deceptive and unlawful financing practices that violate the Truth in Lending Act ( TILA ), Regulation Z, and CFPB standards for auto lending transparency. 
XXXX. Promised 1 % interest rate but charged a much higher rate at signing without disclosure. 
XXXX. Added {$26000.00} in warranties and {$8000.00} in accessories without my consent or authorization. 
XXXX. Misrepresented the vehicle as a XXXX model when it was actually a XXXX, inflating the loan value. 
XXXX. Failed to provide full financing documents, disclosures, warranty contracts, and breakdowns. 
XXXX. Repeatedly refused to correct fraudulent charges or adjust the financing terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
This is a follow-up complaint because despite my prior dispute ( s ), TransUnion continues to report multiple unauthorized and unverifiable credit inquiriesentries that I never requested, authorized, or were associated with any application for creditand I am invoking my statutory rights to demand regulatory intervention. I explicitly assert my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute and demand a lawful reinvestigation of any information I believe to be inaccurate or unverified, and I remind TransUnion of its obligation under FCRA 607 ( b ) to maintain reasonable procedures to assure the maximum possible accuracy of my file, which plainly has not been met here. To ensure no debt-related activity is being hidden beneath these inquiries, I invoke FDCPA 809 ( 15 U.S.C. 1692g ) and demand validation of any debt or collection activity that might be linked to these entries ; I have no financial relationship with the entities listed and any attempt to connect me to a loan, application, or extension of credit arising from these inquiries must be validated or removed immediately. When I reviewed my TransUnion report I found XXXX unfamiliar inquiries that read like unauthorized chapters in my financial history : XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, and XXXX XXXX XXXX XXXX ) dated XXXX of which I authorized, requested, or have any relationship with. Under FCRA 609 ( Right to Full Disclosure ) I demand complete copies of any applications, electronic signatures, authorizations, access logs, or source records TransUnion or the furnisher relied upon to justify these inquiries, and under FCRA 605 ( a ) and 605 ( c ) any information that can not be verified must be deleted, particularly because adverse or delinquency-related reporting must be tied to properly documented commencement dates which can not exist for these unauthorized pulls. TransUnions continued reporting of these inquiries without providing verifiable proof demonstrates a failure of reasonable accuracy procedures and exposes me to reputational and financial harm ; therefore I insist on a full, lawful reinvestigation, immediate removal of any inquiry that can not be substantiated with verifiable authorization, and written confirmation of the results so my credit file accurately reflects only information I personally authorized.

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 2025-12-03 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:
b'I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am contacting you regarding a collection account that I have previously disputed. I have already submitted a dispute to Experian as well as through the CFPB due to the furnishers failure to provide proper documentation or verification of this debt as required under the Fair Credit Reporting Act ( FCRA ). 

Despite the fact that the furnisher has not supplied any valid proof of ownership, contract, itemized statements, or any legally required supporting information, the account is still appearing on my Experian credit report. 

This same collection has already been removed from both XXXX  and XXXX, confirming that the account could not be properly verified. However, Experians investigation has not resulted in the same correction, even though verification standards must be consistent across all bureaus under FCRA 611.

Because the information remains unverified, incomplete, and inconsistent across the CRAs, I am requesting that Experian remove this collection account immediately for failure to properly verify the debt within the required time frame and for continued reporting of inaccurate information.

I am requesting deletion under : FCRA 609 ( right to request information the furnisher must rely on ) FCRA 611 ( failure to verify and duty to correct or delete ) FCRA 623 ( furnishers may not report information that can not be verified ) Please update my credit file to reflect the deletion of this unverified and previously disputed collection account.

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 2025-12-03 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: DC

Complaint narrative:
I am submitting once again to express my profound frustration, concern, and disappointment after reviewing my Equifax, TransUnion and Experian credit report and finding that several accounts continue to be reported inaccurately despite my previous disputes. This repeated inaccuracy is unacceptable, as it misrepresents my financial history and directly impacts my creditworthiness, which has serious consequences for my ability to access loans, credit, and other financial opportunities. I am formally demanding a thorough, diligent, and comprehensive reinvestigation of the following accounts, with immediate corrections or updates as required by law under FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate, FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, and FCRA 605 ( a ) Obsolete Information. 

XXXX XXXXXX/XX/XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXXBalance : {$2100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXXBalance : {$5800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXe Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEXX/XX/XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$2200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$4900.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$5200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: DC

Complaint narrative:
I am submitting once again to express my profound frustration, concern, and disappointment after reviewing my Equifax, TransUnion and Experian credit report and finding that several accounts continue to be reported inaccurately despite my previous disputes. This repeated inaccuracy is unacceptable, as it misrepresents my financial history and directly impacts my creditworthiness, which has serious consequences for my ability to access loans, credit, and other financial opportunities. I am formally demanding a thorough, diligent, and comprehensive reinvestigation of the following accounts, with immediate corrections or updates as required by law under FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate, FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, and FCRA 605 ( a ) Obsolete Information. 

XXXX XXXXXX/XX/XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXXBalance : {$2100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXXBalance : {$5800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXe Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEXX/XX/XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$2200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$4900.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX DEPTEDXX/XX/XXXXBalance : {$5200.00} Date Opened : XX/XX/XXXX Date Last Active : XX/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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains multiple inaccurate and unverified personal identity entries. These include incorrect name variations, old addresses, outdated employers, and phone numbers that do not belong to me and were not provided by me. 

These errors are causing improper matching of information within my credit file and increasing the risk of mixed or merged files. I submitted formal disputes to the credit bureau, but the inaccurate identity information has not been corrected. 

Under the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy, the credit bureau must ensure that all identifying information is accurate, complete, and verifiable. 

I am requesting CFPB assistance to require the credit bureau to delete all inaccurate personal identifiers and correct my consumer file. I have attached a detailed identity sweep document outlining the incorrect items.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I, with the help of my son, opened XXXX accounts, a checking, a savings and an investment account with Ally bank and proceeded to add {$10000.00} into the accounts for savings and investment. A couple days after transferring {$10000.00} from my checking at XXXX  XXXX XXXX, on XX/XX/2025 Ally bank restricted my access to the accounts and my fund of {$10000.00} because of suspicious activities. They requested that I called in to verify some information. 

I called in on the same day XX/XX/2025 with the help of my daughter, since my son XXXX XXXX to assist me, as I do not have the knowledge to answer all of their questions about using XXXX, firewall to login to my account. I had answered all of the questions faithfully at the time since my daughter also wasnt sure if my son was using any XXXX  to assist me with investing such as buying stocks. 

After the initial call on XX/XX/2025, I also called in to provide additional details such as if my son used VPNs while helping me manage the accounts to help with their investigation. After that, I have called in multiple times to request an update on my accounts as they all have been restricted and I have no access to my hard earned and retire money that I put into Ally bank. Despite multiple calls, they refused to inform me how long the investigation would take, refused to give me any updates, and refused to let me access my fund. It has been 17 days now since XX/XX/2025 and I still havent received a single updates from them.

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