vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
According to 15 usd 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple time with credit bureaus and its coming back as updated and verified without proper investigation. The company failed to send me any of the information requested even with my other complaint they never sent verification of debt, the Original Contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
I am submitting a complaint against Toyota Financial Services for incorrectly reporting a 30-day late payment to XXXX  in XX/XX/year>. 

I made my XX/XX/year> payment of {$400.00} on XX/XX/year>, and I made my XX/XX/year> payment of {$430.00} on XX/XX/year>, followed by a final adjustment payment of {$16.00} on XX/XX/year>. 

These payments were made in full and within the proper time frame. Therefore, there was no 30-day delinquency, and this reporting is inaccurate.

XXXX  and XXXX  both correctly show this account with no late payments. Only XXXX  is incorrectly reporting a 30-day delinquency.

I disputed the error with XXXX, but the investigation results claimed no change needed based on XXXX verification. I am now requesting that Toyota Financial Services properly review my payment records and correct this reporting error. 

I can provide my full payment history as evidence if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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/year> TU REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
am submitting this complaint regarding a collection account reported by [ XXXX XXXX XXXX ] on my credit report. The original creditor is XXXX XXXX XXXX 

I have obtained billing history from XXXX XXXX XXXX which clearly shows the first date of delinquency ( FDOD ) as XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), negative accounts are only allowed to be reported for seven years from the FDOD. 

Despite this, [ XXXX collection is reported this account to the credit bureaus in XX/XX/XXXX, and the credit reports list a removal date of XXXX, which is well beyond the 7-year limit. This indicates the account has been re-aged, a violation of FCRA Section 605 ( a ). 

I disputed this with the credit bureaus, but the item was marked as verified without addressing the incorrect FDOD. I also contacted the collection agency directly and have not received a correction.

I am requesting the CFPBs assistance to : 1. Investigate the improper re-aging of this account. 
2. Enforce removal or correction of the reporting so that it reflects the accurate 7-year window from the XX/XX/XXXX FDOD. 
3. Ensure the credit bureaus and data

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 2025-07-08 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.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet admits to seeing that my borrowers defense was approved XX/XX/year>. I inquired about my refund and they deny seeing anything about my refund and say to contact the Department of Education. I contacted DE and they say Nelnet has to provide me with the refund and any information about the refund. It has been XXXX  months since I was discharged and I would like help getting the refund I am entitled to via the Sweet vs Cardona group discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit score is important to me. However, I continue to see inaccurate and false information that has not been corrected, despite multiple attempts to address it. This ongoing issue is extremely frustrating and exhausting, and its unfairly damaging both my credit score and my overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my 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 2025-07-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
b'Debt collector harassment. Jefferson Capital.XXXX XXXX XXXX XXXX, we remortgaged our XXXX loan, but we were required to pay down debt with funds withdrawn, under federal law. We received checks pre filled out naming the debtor.XXXX  of the checks were to go to Jefferson Capital and were sent certified mail, in separate envelopes, with separate certified tracking numbers. They were mailed simultaneously. \n\nJefferson capital cashed one, but did not cash the check placed in the certified letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX The check was in the amount of XXXXJefferson capital then sold my debt to XXXX XXXX XXXX XXXX tried to communicate with XXXX XXXX XXXX XXXX, but they told me that I needed to contact Jefferson Capital.\n\nThis now a violation of federal law, because this debt was to be paid in order for me to withdraw funds from my home equity. I upheld my end and did my due diligence. \n\nI called Jefferson Capital to try and resolve this matter. This is now causing me medical issues as I am a vet with XXXX XXXX  and XXXX  They refused to help me. They told me it is my problem. So I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX XXXX, who was at that time the new debt holder.\n\nI then had no less than a XXXX XXXX phone calls with the two debt collectors, while they tried to figure out what they were doing. I finally told them, I was having severe medical issues due to their incompetence. It is now their issue to resolve and to restore my credit rating. \n\nThey did not and I suffered financial hardship as a result of the blemish on my credit scoreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me and told me that the debt would be absolved and that I would receive a letter from Jefferson Capital confirming this.\n\nThen I received a letter from Jefferson Capital, Dated XXXX XXXX XXXX  that states This letter is to confirm we closed our file and terminated collection action.\n\nJefferson still did not correct my credit score, causing me further financial hardship. There was no one to talk to at that organization that had any answers or could help me despite making more repeated efforts to contact them.\n\nThen on Monday XXXX XXXX XXXX, I received a letter from Jefferson Capital again attempting to collect this debt. This has now been on my credit report for over a year beyond when it should have been removed.\n\nI am a recently disabled veteran currently represented by XXXX XXXX XXXX XXXX in my disability case. I was going through medical issues when I had communication with Jefferson Capital to which they were made aware and have been unable to work since XXXX XXXX XXXXI have XXXX and Complex XXXX XXXX  This is causing me medical episodes, and general medical distress. It has impacted my sleep, reversed medical treatments, and has negatively impacted my family.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am submitting this identity theft report under the Fair Credit Reporting Act, Section 615 ( f ), 15 U.S.C. 1681g ( f ) and 1681c-2. I recently reviewed my credit report and noticed multiple hard inquiries that I did not authorize, apply for, or consent to. 

The following hard inquiries appear to have been made without my knowledge or permission : XXXX. Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/XXXX XXXX. Company : XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Date of Inquiry : XX/XX/XXXX XXXX. Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Early warning systems attended my personal information fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am filing a complaint for the unlawful reinsertion of previously deleted information on my credit report, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

The following accounts were previously disputed and removed but have now been reinserted without any written notice within five ( 5 ) business days, as required by law : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX XXXX Account XXXX : XXXX According to the FCRA, a credit reporting agency may not reinsert a previously deleted item unless the furnisher certifies that the information is accurate and complete, and the agency must notify the consumer in writing within XXXX business days of the reinsertion. 

I did not receive any such notification. Additionally, I was not provided with : XXXX. The name, address, and phone number of the data furnisher. 
XXXX. The documentation or certification used to justify the reinsertion. 

This is a clear violation of federal law, and it is negatively impacting my credit profile and score. 

I am requesting that the CFPB investigate this issue and compel the credit bureaus to : Immediately delete the unlawfully reinserted accounts. 
Provide copies of any documents or certifications used to justify the reinsertion. 
Ensure full compliance with the requirements of the FCRA moving forward. 

This situation is causing both financial and emotional harm, and I ask for prompt action and resolution.

Company response to consumer: Closed with non-monetary relief