vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
b'I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting\ndocuments that substantiate my claim. The information listed below, that is currently listed on my credit report is a\nresult of that XXXX.\n\n ACCOUNTS:\n  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 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 2025-09-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM FILING THIS COMPLIANT AGAINST TRANSUNION FOR WILLFULLY AND UNLAWFULLY REPORTING AN EVICTION ON MY CREDIT REPORT IN VIOLATION OF MULTIPLE CONSUMER PROTECTION LAWS. THIS IS BEING REPORTED INCCURATELY AND WITHOUT PROPER DOCUMENTATION OR LEGAL AUTHORITY. VIOLATIONS COMMITTED : 1. FAIR CREDIT REPORTING ACT ( FCRA ) -15 U.S.C.1681 AND 1681S2 ( B ) THE FURNISHER FAILED TO CONDUCT A REASONABLE INVESTIGATION AND CONTINUES TO REPORT UNVERIFIABLE AND MISLEADING INFORMATION. 2.FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) -15 U.S.C. 1692E THE REPORTING OF THIS EVICTION IS DECEPTIVE AS NO FINAL JUDGEMENT OR PUBLIC RECORD PROVING I LEGALLY OWE THIS DEBT HAS BEEN PROVIDED. 3.GRAMM-LEACH-BILEY ACT ( GLBA ). THE AGENCY IS REPORTING ALLEGED EVICTION INFORMATION THAT MAY HAVE BEEN OBTAINED IMPROPERLY OR WITHOUT PERMISSABLE PURPOSE UNDER 6801. I HAVE LIVED IN THE SAME HOUSE SINCE XX/XX/XXXX THEY ARE REPORTING A EVICTION FOR XX/XX/XXXX AND THIS IS CAUSING ME TO BE DENIED ON APPLICATIONS. THEY ARE ALSO REPORTING BANKRUPTCIES THAT THE BANKRUPTCY COURTS ARE STATING THAT THEY HAVE NOT SHARED WITH ANY OF THE CREDIT BUREAUS.CAN YOU PLEASE HELP ME TO REMOVE THESE ITEMS.THESE ITEMS WERE DISPUTED WITH XXXX IN XXXX. XXXX STATED THAT THEY WOULD DISPUTE THESE ITEMS AND THEY WERE REMOVED. THEY HAVE BEEN ADDED BACK WITHOUT ME BEING NOTIFIED AND NOT INFORMING WHO FURNISHED THIS INFORMATION FROM THE BANKRUPTCY COURTS

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 2025-09-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have been a victim of identity theft, i found some fraudulent hard inquiries on my credit report that i did not authorize. I also attached my identity theft report. 
here are the inquiries i have found due to identity theft XXXX XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX  XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX  XXXX XX/XX/2025 XXXX XXXX XX/XX/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 2025-09-29 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
They have threatens to contact family members I no longer even have contact with that are not even associated with me causing pain and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) & Sezzle , Inc. 
From : XXXX XXXX XXXX : CFPB Report No. XXXX Dear CFPB and Sezzle, Thank you for your response. However, I must respectfully disagree with Sezzles conclusions and maintain my dispute for the following reasons : 1. Incomplete and Inaccurate Reporting Sezzles furnished documents merely show account activity and internal installment schedules. While this may be technically accurate to Sezzles records, the information being reported to credit bureausparticularly the charge-off and ongoing past-due balancemisrepresents my credit profile. A charge-off may be an internal accounting designation, but when transmitted to XXXX, it unfairly suggests that I have an unresolved default.

The Fair Credit Reporting Act ( 15 USC 1681s-2 ) requires data furnishers to ensure accuracy and fairness. Reporting an indefinite, past-due balance without full validation is misleading and incomplete. 

2. Failure to Provide Sufficient Validation The documents provided ( order summaries, installment tables, and a generic User Agreement ) do not constitute full legal debt validation. Specifically, the following are missing : The original signed agreement bearing my actual signature or explicit electronic consent, A complete accounting ledger showing how the disputed balance was calculated from start to present, and Proof of ownership and collection rights, demonstrating that Sezzlenot a third partyretains legal authority to collect or report this debt.

Without these, the account remains unverifiable under the FDCPA. Furnishing unverifiable data violates my consumer rights.

3. Consumer Harm I never authorized Sezzle to report negative tradelines without limit. Participation in Sezzle Up does not waive my rights under the FCRA or FDCPA. Continuing to furnish a disputed, unverifiable tradeline has materially harmed my credit standing and financial opportunities. 

XXXX. Requested Resolution I respectfully request : Deletion of this tradeline from XXXX, XXXX, and XXXX  Written confirmation of deletion or correction across all credit bureaus. 

Until Sezzle provides proper legal validation ( not just transaction restatements ), I dispute this account in its entirety and request removal. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCHRONYbank for absolutely no reason canceled multiple store cards i have had for years with XXXX LATES and minimal balances that have always been paid in full every month for multiple years!!!!!!!!! XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others! 
my credit score took a huge reduction based upon this.

Synchrony needs to he responsible for this i want to file a complaint and hold them responsible

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 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against Toyota Finance regarding my auto loan payoff and the release of my vehicle title for a " XXXX Toyota XXXX ''. 

* On * * XX/XX/XXXX * *, I paid off the remaining balance of about " {$11000.00} ''. 
On XX/XX/XXXX, the payoff amount was withdrawn from my bank account and deposited into Toyota Finances account. 

* Before making the payment, I contacted Toyota Finance and was told the title would be released within * * 3 days * *. 

* Based on this, I found a buyer ready to purchase my car at a fair price. Unfortunately, because the title was not released as promised, I lost the buyer and the sale opportunity. 

* I also had to cancel a planned international trip to XXXX on " XX/XX/XXXX '' due to this issue. 

Since the payoff date, I have called Toyota Finance almost every day. Each agent gave me different and conflicting information about the timeline : * First, I was told 3 days, * Then up to 7 days, * Then 10 days, * Then XXXX business days, * And now, the Toyota Finance application states * * 25 to 40 business days * *. 

This repeated * * miscommunication and lack of transparency * * caused me direct financial loss ( losing the buyer and the sale ) and personal hardship. 

I have : * Proof of the payment receipt, * Evidence of the multiple calls I made, which Toyota Finance itself records.

I am requesting CFPBs help to : 1. Ensure Toyota Finance * * expedites the release of my vehicle title * *, 2. Hold them accountable for the * * misleading and inconsistent information * * provided, XXXX. Address the * * financial harm * * I suffered by losing the buyer for my vehicle. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 FRAUDULENT INQUIRIES 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