vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next four working days. Let 's keep things running smoothly, shall we? Oh, I totally appreciate it, like, for real! We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next four working days. Let 's keep things running smoothly, shall we? Oh, I totally appreciate it, like, for real! We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services is denying me my lawful SCRA benefits by exploiting a technical loophole that has no basis in SCRA statute, DoD policy, or standard military practice. I submitted valid XXXX orders ( XXXX XXXX, dated XXXX XX/XX/year> ) placing me on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. These orders were issued by authorized military personnel through the XXXX XXXX XXXX XXXX XXXX office the same process used for servicemembers nationwide. 

XXXX rejected my SCRA request solely because my orders were not signed directly by the Secretary of the Army or Commander in Chief. This requirement does not exist in SCRA law. No branch of the U.S. military issues individual XXXX orders personally signed by XXXX or the President. XXXX is relying on an impossible condition that no servicemember could ever meet effectively blocking XXXX access through a fabricated requirement. 

This is not a misunderstanding. It is discrimination against servicemembers by way of an artificial barrier designed to deny lawful protections. 

After filing an appeal, XXXX has allowed over a month to pass with XXXX updates, no timeline, and no meaningful communication. This delay appears intentional and prevents me from receiving protections I am legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, from what I know today, {$780.00} was transferred from my account to XXXX XXXX per the Chime Bank customer service representative. This was done without any of my knowledge, initiation or authorization. When I discovered my monies were missing I called to dispute the transaction. Let me say there was a major communication breakdown and barrier between the representative and myself. I tried to tell them what I thought I knew happened, that {$300.00} had been transferred from my XXXX account to my Chime Bank account ( my account was linked to XXXX ) bringing by balance to {$800.00} but when I checked my account the balance was XXXX. I told them that I had not authorized or initiated this transaction when I spoke to the representative on the morning XX/XX/year>. They denied the claim. I continue to deny that I did not authorize this transaction and I had proof of what should be in my bank account. The representative ask me to email that proof. I sent a communication that I had received via text that verified what should be in my account. They denied the claim a second time. I called back with a family member supporting me in this dispute on Monday, XX/XX/XXXX and found that the monies that were missing was sent to XXXX XXXX. I explained to representative that I am XXXX XXXX XXXX XXXX women on a fixed Social Security income that lives in XXXX, Texas. There is no reason that I would send money to XXXX XXXX. They responded that the dispute had been closed and there was nothing that they could do unless I had additional information. But I have no additional information for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
From time to time, the creditors listed on my Experian Credit Report go missing. Specifically, in XXXX case, only XXXX of my creditors were listed, which reduced my credit score by XXXX points. At the time of these incidents, I checked the other XXXX credit bureaus and they both listed all of my creditors and an expected credit score. This has happened XXXX times, but resolves itself within a few weeks/ months. As noted, the impact is a period of time with an erroneous credit score due to missing creditors whom I am in good standing with. This then has an impact on my ability to secure low interest credit.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to report that the payment history and payment status on my credit report for the account XXXX XXXXXXXX do not match and are inconsistent. For example, the account shows Paid, OR CURRENT OR PAID AS AGREED but the payment history lists late payments. Under the Fair Credit Reporting Act ( FCRA ), credit information must be accurate and complete. This creditor is not in compliance with the FCRA because the reported data is contradictory and misleading. These inaccuracies are negatively impacting my creditworthiness and causing harm to me financially. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the creditor corrects the information to comply with federal law.

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 2025-11-17 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: IN

Complaint narrative:
I cancelled my XXXX wireless service within the XXXX trial period on XX/XX/2025 ( in which the trial started on XX/XX/2025 ; a XXXX day period, within that XXXX trial period ). XXXX confirmed the cancellation via phone call, acknowledging that I owed nothing. Despite this, they sent my account to collections for an alleged balance of {$32.00}. I have documentation of the cancellation and the billing period showing no charges after the cancellation date. I have attempted to resolve this directly with XXXX multiple times, including speaking with customer service representatives, but they have refused to correct the error, hung up on me, and told me I must contact the collection agency myself. This is a clear case of wrongful billing and collections. I am requesting that the FCC require XXXX to retract the collections, correct any credit reporting associated with this account, and ensure my cancellation is recognized as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this formal dispute because the information being reported on my credit file is inaccurate and does not reflect my actual payment history or account status. The reported late payment ( XXXX ) for the month ( XXXX ) in question are incorrect. I made my payments on time and did not receive any notice from the company indicating an issue. 

Additionally, no documentation has been provided to support the validity or accuracy of the negative information. I attempted to resolve this directly with the company, but the report has not been corrected. 

Because this information is inaccurate and unverifiable, it is creating a negative and unfair impact on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 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 filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 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:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts DPEDXXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} DPEDXXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$5400.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$4000.00} Inquiries No inquiries listed for Equifax. 

Positive Accounts No positive accounts listed for Equifax. 

Late Payment Accounts XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I was charged for over a year of service with both XXXX and XXXX for free trials that I signed up for. I have submitted the same claim 3 times now and provided the same explanation every time. I signed up for a free trial of the services, and did not realize my card would be charged after the trial period was over.I was then charged for over a year. I would like to reassert my claim for the countless charges of XXXX and XXXX that I received. I have filed this claim 3 times now. I will continue filing it until I am not required to pay for these charges that I was not aware off. I did not use my XXXX or XXXX subscription for over a year and yet I was still charged for both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Beginning in late XXXX and continuing into XXXX, I began receiving collection attempts from CREDIT COLLECTION SERV regarding an alleged debt connected to an insurance-related account. The company repeatedly contacted me by phone and mail, even though I had previously disputed the accuracy and validity of the balance with the credit bureaus. I am requesting that the company be instructed to stop all communication with me, investigate their actions, and provide written confirmation that they will comply with federal law. I also request that any negative or inaccurate information they furnished to the credit reporting agencies be reviewed for accuracy and removed if it can not be properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: DE

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2025-11-17 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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