vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Mazda Financial Services mishandled my reinstatement after repossession, caused financial harm, and continues to give me conflicting information. 

According to the official letter they sent me, my vehicle would not be sold before XX/XX/year>. Based on this written notice, I paid the full reinstatement amount in good faith on XX/XX/year>XXXX  through XXXX at XXXX. I have my receipt and confirmation number. 

However, AFTER I paid, Mazda informed me that the vehicle had already been sent to auction, contradicting their written notice. This means they accepted my money even though the car was already moved for sale.

For days I tried contacting Mazda by phone, but it was extremely difficult to reach a representative. Every time I finally got through, I was treated poorly, transferred multiple times, and given inconsistent explanations. Meanwhile, daily storage fees continue accumulating, increasing my financial damage.

Mazda also told me that I must pick up the vehicle in XXXX, a completely different city, even though I never received any official release information. When I called the tow yard, they said they have NOT received a release from Mazda, and according to them, the vehicle is still scheduled to go to auction. 

I only learned this AFTER paying, and Mazda keeps telling me that I must physically go to the tow yard first before they will see what can be done, even though they have already confirmed my reinstatement payment. 

This situation is unreasonable, unfair, and violates basic consumer rights. I paid the reinstatement amount before the sale date listed on the official notice, but Mazda did not honor the reinstatement, continues to allow fees to accumulate, and has not communicated properly with the tow company.

I am requesting immediate investigation, release of my vehicle without additional fees, correction of all errors, and compensation for the unnecessary financial and emotional stress caused by Mazdas mishandling. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to get pre-approved for a Capital One credit card on XX/XX/year>. Capital One denied me with the reason : a

ctivity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.

This is incorrect and misleading because I do not have any Capital One accounts, and I have never had one. Capital One previously attached an account to my name that was not mine at all. This was a case of file-mixing or identity error. That incorrect account has already been removed from my credit report, proving it was not mine. 

However, Capital One is still using that same incorrect account in their internal decision-making system, even though it has been removed from my credit file. As a result, Capital One continues to deny me based on an account that does not belong to me and never did. 

I contacted Capital One and asked for information and a complete removal of the fraudulent account from their internal systems, but they have not corrected the issue or provided the information I requested. Their system continues to inaccurately flag me based on an account that is not mine. 

This constitutes inaccurate adverse action and violates the FCRA because Capital One is maintaining and using false internal information tied to my identity. Capital One is also showing an address on the account that does not belong to me, which further proves the account was not mine and was attached to my name in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I disputed the information on my credit report no action was taken this is more than the XXXX time I have disputed this information Im asking for proof of verification experian did not submit documents showing how the information is verified, monthly payment, date last payed, balance etc I would like to see all documents that shows correct information that shows Im tied to the verification of this information, the creditors debt collection or credit bureaus can not produce copies of these documents then the account and reporting information must be removed from the report please provide accurate information this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting the CFPBs assistance because Wells Fargo reported my auto loan as 30 days late for only {$610.00} past due, even though I stayed in full communication with them about a documented hardship, made a partial payment within the 30-day window, and made a full catch-up payment shortly after. 

My payment was due on XX/XX/XXXX. During this time, I was dealing with the recent passing of my mother and waiting on her life insurance funds. I was also financially affected by the federal government shutdown. I contacted Wells Fargo multiple times, explained my situation, and told them I would make partial payments until I could catch up fully. I did not ignore the loan, and I acted in good faith throughout this period. 

On XX/XX/XXXX, I made a partial payment of {$400.00}, which reduced the amount owed before the account reached 30 full days past due. This means the full scheduled payment was not 30 days delinquent. However, despite this, Wells Fargo reported me as 30 days late for only a partial past-due amount of {$610.00}, which does not align with standard credit reporting guidelines . A 30-day late requires the full scheduled payment to be 30+ days overdue. 

On XX/XX/XXXX, I made a full catch-up payment of {$1600.00}, bringing the account completely current. Immediately afterward, I enrolled the account in autopay to ensure I never fall behind in the future. I also have a long, consistent payment history, 97 % on-time payments since the loan opened. 

Despite all of this, my communication, my hardship, my partial payment within 30 days, and my prompt full catch-up payment, Wells Fargo still reported me 30 days late. This has caused significant damage to my credit score and does not accurately or fairly reflect my payment behavior or circumstances. 

I am requesting that Wells Fargo review this situation and correct or remove the 30-day late reporting based on the documented hardship, the partial payment made before 30 days, the full catch-up payment, and my good-faith efforts to maintain the account. 

I am attaching screenshots showing : Wells Fargo reporting {$610.00} past due A 30-day late being reported despite a partial payment made within 30 days My full catch-up payment on XX/XX/XXXX My transaction history My reinstated autopay My consistent on-time payment history Thank you for your assistance.

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 2025-11-20 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: CA

Complaint narrative:
THE REPORTING IS MISALIGNED WITH MY ACTUAL HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

FRAUDULENT ACCOUNTS : 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 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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

FRAUDULENT ACCOUNTS : 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 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 2025-11-20 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: MS

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding inaccurate and fraudulent information being reported on my credit file. As part of my dispute, I uploaded my valid passport directly through the Equifax online system as proof of identity. 
Despite providing proper identification and requesting a reinvestigation, Equifax continues to report the same inaccurate and unverifiable information. Equifax has not provided any certified verification from the original data furnisher, and they have failed to correct or remove the disputed items. 
Equifax is violating the Fair Credit Reporting Act, including 1681e ( b ), which requires maximum possible accuracy, and 1681i, which requires a complete, good-faith reinvestigation. Equifax has not shown how they verified the information or provided any documentation proving accuracy. 
The continued reporting of incorrect and unverified information has caused harm to my credit standing. I am requesting that the CFPB require Equifax to perform a lawful reinvestigation, provide proof of verification from the original source, and delete all information that can not be independently verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been XXXX for the majority of the year for 2025. Left in XXXX and i am currently still XXXX. I stopped taking classes to XXXX and planned on taking classes when i get back. During the time of XXXX my student loans were charged and I didnt know. My school knew that I was XXXX and still put my loans in repayment status. My credit score has dropped XXXX points. I have paid the amount that was delayed and the account is accurate but i would like to get this fixed and clean up my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation