vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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:
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 2025-09-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern : This letter is a formal request for validation of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I dispute this alleged debt in its entirety and request that you provide the following : Proof of your authority to collect this debt, including documentation showing you have been assigned or purchased the account. 

A copy of the original signed agreement or contract showing that I am legally obligated to pay. 

A complete itemized statement of the account, including how the balance of {$3000.00} and charge-off amount of {$4000.00} were calculated. 

The chain of title/ownership, including all assignments, transfers, or sales of this account.

Verification that the alleged debt is not barred by statute of limitations or otherwise unenforceable.

Please be advised that, under 15 USC 1692g ( b ), collection activities and credit reporting must cease until this alleged debt has been properly validated. Continuing to report unverifiable information to the credit bureaus also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681s-2 ).

If you can not provide the requested documentation, you must immediately cease all collection efforts and remove this account from any and all credit bureau reporting. 

I request that all communications regarding this matter be in writing only. 

Sincerely, 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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CT

Complaint narrative:
XX/XX/XXXX started received phone calls from a company call jefferson capital systems, a voicemail was left the first day stating to go their website and enter the account to check on status. When you go to the website XXXX and click on look up account and enter your information nothing appears and they tell you to contact them from XXXX to XX/XX/XXXX calls came in all day at least XXXX times a day with no voicemails left behind Credit report gets notified of a debt from jefferson capital stating a balance of {$190.00}. Upon doing investigation the amount was from a light bill I had paid a few years prior. Upon request of the debt information there has been nothing. 

XX/XX/XXXX received a text from jeffersons stating to pay the debt on a XXXXXXXX XXXX XXXX called XXXX  even though ive never owned a card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
XXXX XXXX And Mosaic Around XXXX I spoke to XXXX XXXX about getting some equipment save energy like a new water heater, insulation and some type of solar panels on the roof. There was an amount agreed upon and products were installed. ( which is not working the way they said it would ). The problem came once it was time to begin making payments and the amount changed dramatically. XXXX XXXXMosaic was not willing to work with my husband and I to come to some type of payment arrangement. We are in our XXXX and are on social security and these companies attempt to take advantage of people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I took out a loan and made a purchase for an item at Western shamrock, and I've told them multiple times not to call me between the hours of XXXX and XXXX due to me being at work and not being able to accept personal calls. But they insist on calling me repeatedly at work. They have called my family and told them what my loan is about, because my brother asked me about western shamrock calling and mentioning merchandised. I have tried contacting their corporate office as well as telling them not to contact me. Or I will sue, but I can not get any help with this. They will not leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The finance department lied about the loan structure and terms, providing false and/or misleading answers. When following up with them after discovering the issue, they said " You got me '' and told me there's nothing I can do other than refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result
of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$560.00} 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, Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Identity Theft Dispute & Immediate Deletion Demand under FCRA 605B Dear Compliance Officer, I am the victim of identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and delete all information on my credit file that resulted from identity theft within four ( 4 ) business days of receipt of ( a ) this notice, ( b ) my FTC Identity Theft Report, and ( c ) proof of my identity and address. 
Fraudulent Account to Delete/Block Also delete any related collections, inquiries, and tradelines, including reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>4 Applicable Legal Authority FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires a CRA to block identity theft information within four business days upon receipt of a valid identity theft report and identity proof.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires prompt reinvestigation and correction of inaccurate or incomplete information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

FCRA 602 ( 15 U.S.C. 1681 ) : Mandates maximum possible accuracy in consumer reports.

You are now on notice that continuing to report this fraudulent information constitutes noncompliance, exposing you to liability for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Required Action 1 ) Permanently delete and block all identity theft information and associated inquiries.

2 ) Provide me a corrected credit report reflecting complete deletion.

3 ) Provide written confirmation of your actions and investigation results.

Enclosures - FTC Identity Theft Report No. [ insert report number ] - Copy of government-issued photo ID - Proof of current address ( utility bill or bank statement )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens bank has taken funds from my account. I had explained to them they took money back from XXXX for the fraud charge I made when funds were taken out incorrectly. XXXX corrected this with me but citizens also took money from XXXX now taking back from me. And I owe double and Im over draft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I am writing to express my frustration and request clarification regarding the unresolved status of my refund of {$400.00} for overpayments on my loan, which were officially forgiven on XX/XX/XXXX. Despite my repeated efforts to obtain clear information, I have been continued to be passed back and forth between MOHELA and the U.S. Treasury, each directing me to the other without providing a definitive resolution. 

To date, I have only been told that my refund request was submitted for approval on XX/XX/XXXX, with a vague estimate of XXXX business days for processing. This response has been unhelpful and leaves me without any concrete information as to whether my refund has actually been processed for the release of the funds or when I should reasonably expect payment. 

On XX/XX/XXXX, I spoke with a MOHELA supervisor who stated that the refund should typically have been issued automatically, but in my case was instead processed manually in XX/XX/XXXX, which aligns with one of my many phone calls over the past NINE months. This inconsistency only deepens my concern, as it is unclear why my case required manual intervention or whether that manual processing has advanced in any meaningful way. 

Adding to my frustration, a friend of mine whose loans were forgiven in XX/XX/XXXX has already received their refund of overpayments, while mine remains outstanding despite my forgiveness being finalized months earlier. This raises serious questions about fairness, transparency, and efficiency in how these refunds are being handled.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Issue : Failure to provide documentation with dispute denial ( Regulation E 1005.11 ( d ) ) This complaint is separate from my prior CFPB complaints against XXXX XXXX XXXX regarding unauthorized gambling transactions, the missed XXXX provisional credit deadline, and UDAAP violations. 

On XX/XX/year>, I received a denial letter from XXXX XXXX XXXX regarding my dispute of unauthorized gambling-related transactions totaling approximately {$5300.00}. 

The denial letter contained no transaction-level evidence, documentation, or supporting information. Under Regulation E ( 12 CFR 1005.11 ( d ) ), if a financial institution determines no error occurred, they must provide the consumer with copies of the documents relied on to make that determination. 

Bank of Oklahoma failed to provide any such evidence. The letter was generic, stating only that the bank believed the transactions were authorized, with no factual basis or supporting documentation.

Consumer Harm : I remain without access to over {$5000.00} of my funds.

I have incurred over {$200.00} in overdraft fees, {$40.00} in postage costs, a {$20.00} rent fee for using a credit card, and ongoing interest/cash-advance fees on credit cards. 
Without access to evidence, I can not meaningfully rebut or verify the banks claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I received letter from XXXX XXXX XXXX, thought it was ads mail. Until someone called me for a past due, I told them that was not me. I also report that it could be an identity theft. I also went to the police station to report that was fraud, but they told me I have to work with XXXX XXXX XXXX to find out wheres the phone shipped to in XXXX XXXX XXXX could not tell me where the phone shipped to. So I thought they have been resolved that problem but now I saw a collection 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 explanation