vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting 10 consecutive late payments on my credit report, from XX/XX/XXXX through XX/XX/XXXX. I have provided bank statements showing two payments per month to XXXX XXXX during that entire period- {$35.00} each, consistently reflected on my XXXX  XXXX XXXX statements. These payments were made on time, yet XXXX XXXX has not corrected the inaccurate reporting. 
I have already disputed this issue directly with the credit bureaus and contacted XXXX XXXX multiple times by phone, letter, and email, requesting both clarification and correction. Despite my efforts, XXXX XXXX continues to report these late payments as valid, without reviewing the evidence I submitted. 
I am requesting the CFPB to review this matter, as these reported delinquencies are inaccurate and are causing unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am begging for help! I am a victim of the XXXX  Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the dark web! I recently reviewed my credit report and noticed multiple fraudulent accounts and inquiries on my report that I do not recognize. These accounts and inquiries do not belong to me! They are fraudulent! I am left suffering from the aftermath because of a mistake XXXX  made. I fear for my life because these perpetrators know my address! Please remove them from my credit report because it is stopping me from obtaining credit, and causing a severe hindrance in my life! Remove within XXXX days according to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint of information below : XXXX XXXX DATE : XX/XX/XXXX BALANCE : {$680.00} XXXX XXXX DATE : XX/XX/XXXX BALANCE : {$1200.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX BALANCE : {$600.00} XXXX XXXX DATE XXXX XX/XX/XXXX BALANCE : {$8500.00} XXXX XXXX DATE : XX/XX/XXXX BALANCE : {$610.00} XXXX. XXXX- XXXX XXXX BALANCE- {$600.00} XXXX. XXXX- XXXX XXXX BALANCE- {$870.00} XXXX. XXXX XXXX XXXX XXXX BALANCE- {$240.00} XXXX. CBA XXXX XXXX XXXX BALANCE- {$520.00} XXXX. XXXX  XXXX XXXX DATE- XX/XX/XXXX BALANCE- {$230.00} HARD INQUIRIES CREDITOR NAME DATE OF INQUIRY XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute and request for validation to Systems & Services Technologies ( SST ) regarding an account originally opened with XXXX XXXX. SST has been servicing this account since at least XX/XX/XXXX, per their own transfer letter. 

Despite being legally obligated under the Fair Debt Collection Practices Act ( FDCPA ) to validate the debt and pause all collection activities during a dispute, SST failed to respond to my XX/XX/XXXX request within the required time frame. I sent a certified letter, which was delivered on XX/XX/XXXX ( XXXX Tracking No. XXXX ), formally requesting validation. 

SST did not respond to that certified request. The only documents provided were in response to my previous CFPB complaint ( Case No. XXXX ), which included a generic Tally agreement and account printouts but did not : Provide a full, itemized accounting of principal, interest, and fees Show the full chain of assignment from XXXX  to SST Demonstrate SSTs legal right to collect this debt Despite my dispute, SST continues to send collection emails and notices after XX/XX/XXXX, which constitutes a violation of : FDCPA 15 USC 1692g ( b ) Failure to cease collection during a dispute FDCPA 15 USC 1692e Continuing to demand payment without proper validation FCRA 15 USC 1681s-2 Failing to report this account as disputed or halt reporting while unresolved Unfair or Deceptive Acts and Practices ( UDAP ) Pursuing collection despite ignoring a certified dispute request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a debt collection account from XXXX XXXX XXXX/ XXXX XXXX related to a BMG Money loan that was already under dispute when transferred. 

BMG Money provided a response to my XXXX  complaint claiming the account was sold to XXXX on XX/XX/year>. However, the first letter I received from XXXX was dated XX/XX/XXXX, XXXX the supposed sale date. That letter did not arrive at my home until XX/XX/XXXX, which is XXXX XXXX later. This raises serious concerns about backdating or delayed mailing. 

Even more concerning, XXXX XX/XX/XXXX letter claims the debt was acquired on XX/XX/year>, not XX/XX/XXXX as XXXX told the XXXX. They cant both be true. This inconsistency suggests false or misleading statements were made to a government-affiliated agency ( the XXXX  ), and I now have XXXX separate dates claimed as the debt transfer date. 

Additionally, the balance being collected is now {$11000.00}, while XXXX reported {$10000.00}. XXXX  own letter shows {$0.00} in interest and {$0.00} in fees, so how did the balance increase by over {$1100.00}? This appears to be a violation of 15 USC 1692e ( 2 ) ( A ) misrepresentation of the amount of debtand potentially the Rosenthal Fair Debt Collection Practices Act. 

On XX/XX/year>, I sent XXXX a certified debt validation request and a formal request that all communication be in writing. That letter was signed for on XX/XX/XXXX. Yet I received their first collection letter after that, which indicates they continued collection without validating the debt, in violation of 15 USC 1692g ( b ). 

Finally, BMG Money submitted XXXX separate responses to the XXXX, and both were identicala generic letter stating the account had been sold. This ignores the documented evidence I provided to the XXXX  showing collection activity and communication before that sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I am reporting that multiple unauthorized hard inquiries, as well as fraudulent credit card and personal loan accounts, have appeared on my credit report without my consent. I believe these accounts and inquiries are the result of identity theft. 

Specifically : XXXX XXXX  Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$670.00} XXXX  XXXX Account # : XXXX, Opened XX/XX/XXXX, Balance {$240.00} XXXX XXXX XXXX Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$1300.00} In addition, there are multiple unauthorized hard inquiries from XX/XX/XXXX to XX/XX/XXXX, which I did not authorize. 

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX and provided this report to the credit reporting agencies. I have formally disputed these fraudulent accounts and inquiries and requested that they be blocked and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my request and supporting documentation, these fraudulent items remain on my credit report, which violates my rights under the FCRA. I am asking the CFPB to help ensure that the credit reporting agencies comply with the law, fully block these fraudulent accounts and inquiries, and provide me with an updated credit report showing their removal. 

Thank you for your assistance in resolving this matter and protecting my consumer rights.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reporting that multiple unauthorized hard inquiries, as well as fraudulent credit card and personal loan accounts, have appeared on my credit report without my consent. I believe these accounts and inquiries are the result of identity theft. 

Specifically : XXXX XXXX  Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$670.00} XXXX  XXXX Account # : XXXX, Opened XX/XX/XXXX, Balance {$240.00} XXXX XXXX XXXX Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$1300.00} In addition, there are multiple unauthorized hard inquiries from XX/XX/XXXX to XX/XX/XXXX, which I did not authorize. 

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX and provided this report to the credit reporting agencies. I have formally disputed these fraudulent accounts and inquiries and requested that they be blocked and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my request and supporting documentation, these fraudulent items remain on my credit report, which violates my rights under the FCRA. I am asking the CFPB to help ensure that the credit reporting agencies comply with the law, fully block these fraudulent accounts and inquiries, and provide me with an updated credit report showing their removal. 

Thank you for your assistance in resolving this matter and protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I am disputing the reporting of a repossession by Toyota Motor Credit. I requested full validation of the alleged debt, including the signed contract, notice of default, right to cure, sale documents, and deficiency balance breakdown. To date, I have not received proper validation. 

They are reporting a charge-off and balance of {$7400.00} as of XX/XX/XXXX, but the last payment was in XXXX. This violates the Fair Credit Reporting Act ( 15 USC 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 USC 1692g ). Unverified and outdated information must be corrected or removed.

I am asking for this account to be deleted from my credit report until properly validated.

Specifically, I am requesting : 1. Full validation of the debt, including the original signed agreement and complete payment history.

2. Proof of lawful repossession procedures, including the Notice of Default, Right to Cure, and Notice of Sale.

3. Evidence of sale proceeds, including the final Bill of Sale, and details of how those proceeds were applied to the balance.

4. A breakdown of the deficiency balance, showing how the remaining balance was calculated.

5. A copy of the Notice of Deficiency, per UCC 9-611 and state repossession laws, including proper notice of intent to collect the deficiency.

Failure to furnish these documents renders this tradeline inaccurate and incomplete, and therefore a violation of : 15 U.S. Code 1681s-2 ( a ) Duty to ensure accuracy when reporting to consumer reporting agencies 15 U.S. Code 1681i ( a ) Requirement to reinvestigate and delete unverifiable information 15 U.S. Code 1692g ( b ) Failure to validate a disputed debt is a violation of the FDCPA FTC vs. XXXX XXXX XXXX which affirms that unverifiable or incomplete reporting must be removed Until you can provide documented, verifiable evidence that this debt is accurate and legally enforceable, I am requesting that this account be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX SYNCBEBAY Date : 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 2025-07-15 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: TX

Complaint narrative:
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 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 2025-07-16 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: NY

Complaint narrative:
I am formally requesting the immediate deletion of the following negative entries from my credit report, as they were reported without my prior knowledge or express authorization, in direct violation of multiple federal consumer protection laws : These items were added to my credit report without my consent, which violates the following legal provisions : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, 1681e ( b ), 1681i XXXX. Truth in Lending Act ( TILA ) 15 U.S.C. 1631 XXXX. Gramm-Leach-Bliley Act ( GLBA ) XXXX XXXX. 68016809 ; 16 C.F.R. 313 XXXX. Right to Financial Privacy Act 12 U.S.C. 3402 XXXX UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) 12 U.S.C. 5531 XXXX. Lack of Verifiable Documentation 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ) XXXX. Documented Financial and Emotional Harm, including credit denials and score damage. 

To following information on my credit report is : Collection : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry : XXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX  -- - Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CO

Complaint narrative:
formally dispute the reporting of a 90-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Reported Error : XX/XX/year> - 90-Day Late Payment This loan was previously under administrative forbearance during the federal student loan payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred.

I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred.

Up until this error my Credit Report has shown On Time payment, even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/year>. Logically, if I was truly 90 days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately. 

I am requesting that the 90-day late payment notation for MONTH YEAR be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting.

Please conduct a reasonable investigation into this matter. If the furnisher can not verify that I was properly notified of due dates and delinquency, and if the timeline of late payments can not be supported by factual documentation, the derogatory mark must be corrected or deleted. 

Please provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.

Company response to consumer: Closed with non-monetary relief