vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 XXXX 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negativity impacting my credit. Per section 15 USC 1681 c-2. Any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I submitted a formal voluntary surrender request to XXXX XXXX in XX/XX/XXXX for my XXXX XXXX XXXX, due to financial hardship and vehicle unusability. Despite this, I received no written confirmation, no timeline for surrender, and no response from the XXXX department I was told would contact me. I followed up multiple times via phone and through their customer portal, but the matter remains unresolved as of XX/XX/XXXX. 

During this delay, my account has continued to accrue late fees and negative status, creating unnecessary damage to my credit. I specifically requested : Written confirmation of my surrender request XXXX steps to complete the surrender legally and cooperatively To date, I have received none of this. Their inaction has left me financially exposed and legally vulnerable, despite my full cooperation and multiple documented attempts to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year>2018 Balance : {$720.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for their failure to respond to a lawful dispute of a collection account that is currently being reported to the credit bureaus. I mailed a formal dispute to their address regarding the accuracy and validity of the account in question. 

The dispute was sent via certified mail and delivered on XX/XX/year>2025, as verified by the stamped return receipt which I am uploading as evidence with this complaint. As of the date of this filing, more than 30 days have passed and I have not received any response, investigation results, or notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This is a clear violation of my rights under federal law. According to the FCRA, a furnisher of information is obligated to : 1. Conduct a reasonable investigation upon receipt of a consumer dispute. 
2. Notify the consumer of the results of that investigation within 30 days.

3. Delete inaccurate, unverified, or non-responded information from the consumers credit file. 

Because XXXX XXXX/ XXXX  failed to respond at all within the required timeframe, the collection account must be immediately removed from my credit reports with all three major credit bureaus : XXXX, Equifax, and XXXX. 

I am demanding immediate investigation and deletion of this account from all credit reporting systems. Their non-compliance not only violates federal law but has also caused ongoing harm to my creditworthiness and access to financial opportunities. 

Supporting Documents : Copy of the certified mail return receipt stamped delivered XX/XX/scrub> 2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for their failure to respond to a lawful dispute of a collection account that is currently being reported to the credit bureaus. I mailed a formal dispute to their address regarding the accuracy and validity of the account in question. 

The dispute was sent via certified mail and delivered on XX/XX/year>2025, as verified by the stamped return receipt which I am uploading as evidence with this complaint. As of the date of this filing, more than 30 days have passed and I have not received any response, investigation results, or notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

This is a clear violation of my rights under federal law. According to the FCRA, a furnisher of information is obligated to : 1. Conduct a reasonable investigation upon receipt of a consumer dispute.

2. Notify the consumer of the results of that investigation within 30 days.

3. Delete inaccurate, unverified, or non-responded information from the consumers credit file. 

Because XXXX XXXX XXXX  failed to respond at all within the required timeframe, the collection account must be immediately removed from my credit reports with all three major credit bureaus : Experian, XXXX, and XXXX. 

I am demanding immediate investigation and deletion of this account from all credit reporting systems. Their non-compliance not only violates federal law but has also caused ongoing harm to my creditworthiness and access to financial opportunities. 

Supporting Documents : Copy of the certified mail return receipt stamped delivered XX/XX/year>2025 2025

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 2025-07-27 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: AK

Complaint narrative:
I went online to buy a riding lawn mower direct from XXXX XXXX  They had my zip code listed under the delivery location with a charge of {$120.00}. I applied for credit and went to checkout only to find out they dont ship to Alaska . This is a ding on my credit unnecessarily since I cant use the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is continuing to report a charged-off XXXX XXXX XXXX account ( ending in XXXX ) with misleading and inaccurate data. The account was charged off in early XXXX, with the last activity occurring on XX/XX/XXXX. However, the account is still being updated as of XX/XX/XXXX, with an open balance of {$14000.00} and no closure date. 

This is a clear case of re-aging, in violation of FCRA 605 ( c ), which prohibits the continued reporting of delinquent accounts more than 7 years from the original date of delinquency. The reporting also violates FCRA 1681s-2 ( b ) and XXXX XXXX guidelines, including : Failing to report a Date Closed Continuing to report monthly charge-off codes ( CO ) well after the charge-off date Omitting fields such as Sold To or Purchased From Updating the Reported Date without any new activity These practices are materially misleading, harm my credit profile, and have caused real financial and emotional damage. I have been denied credit and subjected to high-interest offers due to this ongoing reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX  Balance : {$700.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX  Balance : {$180.00} Account name : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$170.00} INQUIRY : XXXXXXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 2025-07-27 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: VA

Complaint narrative:
In XX/XX/XXXX I discovered that multiple accounts and loans had been opened in my name without my knowledge or consent. These fraudulent accounts were only detected when I reviewed my credit reports. 

The unauthorized accounts include : - A credit card with a XXXX XXXXXXXX XXXX showing a {$0.00} balance that was opened before XX/XX/XXXX. 
- A credit card with a financial institution that began around XX/XX/XXXX with approximately {$1100.00} in fraudulent charges. 
- A credit card with an online bank that began around XX/XX/XXXX with about {$370.00} in fraudulent charges. 
- A real estate loan with a resort company that began around XX/XX/XXXX with an outstanding balance of roughly {$8900.00}. 
- An auto loan with the same XXXX XXXX XXXX that began around XX/XX/XXXX with a balance of about {$19000.00}. 

I did not apply for or authorize any of these accounts or the associated credit inquiries. After learning about them, I contacted the companies involved to dispute the accounts and requested documentation, but they have not provided the information I requested. I have also reported the identity theft to the Federal Trade Commission. I am seeking assistance to have these fraudulent accounts, inquiries and debts investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Everything I fill out applications noone can verify my identity I've called all 3 credit companies to report this problem but nothing has changed I've been told that my credit is frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Everything I fill out applications noone can verify my identity I've called all 3 credit companies to report this problem but nothing has changed I've been told that my credit is frozen

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 2025-07-27 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I uploaded 2 forms to navy federal for unauthorized use of my debt cards. I paid {$10.00} for 1, flagship account but there was 2 extra accounts that someone used of mine which I did not. XXXX XXXX needs to correct the fraud issue done to my account. They also took my {$5.00} savings account ave I did not do anything wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had opened a credit account with XXXX bank thru XXXX XXXX I was making my monthly payments. On XX/XX/year> I paid Synchrony bank off IN FULL. Recently I have been made aware that Synchrony has reported to the credit agencies that I am delinquent and I owe them {$12.00} XXXX dollars. This is false and I can prove it. My XXXX XXXX has taken a big hit.

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 2025-07-27 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX CARD 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
Since for certain XXXX and perhaps before, XXXX XXXX has denied me information to protect myself from fraud that they allowed and sponsored through hiring criminal debt collectors and negligent/untrained staff, inputting inflated amounts for a debt I didnt recognize and they initially told me in XXXX was not on my name, providing credit report access to third parties that have no business with the PII of consumers as easily evident by reading complaints on the CFPB and XXXX and not even allowing me to pay it just to take it off my credit report with the help of my parents to pass a preemployment background check. XXXX XXXX has repeatedly allowed criminal third parties with my SSN, access to my mail and accounts and completely redirected and altered my life, for something no one deserves.

I have documented proof of years asking for protection, answers, the right to live, my privacy and have asked whom they have given access to my life and did I agree to it.

I have been awaiting a response for well over a month now to my last CFPB from XX/XX/XXXX and it stems from illegal acts years ago. 

XXXX XXXX has stripped me of my well being in ways no one could survive, It is a federal mandate that I am provide with my request for information. My life is not a joke.

Company response to consumer: Closed with explanation