vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

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 non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting several unverifiable and potentially inaccurate accounts on my credit report.

I submitted a formal dispute requesting full legal verification under FCRA 1681i ( a ) and 1681s-2 ( b ), including a copy of the original signed contract, itemized accounting, proof of ownership, and confirmation that the debt is within the statute of limitations. 
These accounts were never validated with such documentation. The bureaus failed to comply with federal law by continuing to report these accounts without proper verification. I am requesting the immediate deletion of the following accounts as required under FCRA 1681i ( a ) ( 5 ) : - 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 This is a violation of my consumer rights. I am requesting the CFPB to intervene and ensure these unverifiable accounts are removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Complaint Summary for Midland Credit Management ( Acct ending in XXXX ) : This complaint concerns inaccurate reporting by Midland Credit Management on my credit file under account number ending in XXXX. The following issues were identified : - Debt buyer reporting a collection account without validation from the original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX. ). 
- No supporting documents, original agreements, or statements provided despite balance updates. 
- Continuous reporting without evidence of ownership or verification violates 15 U.S.C. 1692g and 1681e ( b ).

These issues violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( reinvestigation ), 1681e ( b ) ( accuracy ), and 1681c ( reporting periods ). In some cases, 15 U.S.C. 1692g also applies.

I am requesting the removal of this inaccurate information and am demanding {$1000.00} in statutory damages under 15 U.S.C. 1681n for willful noncompliance. This letter is supported by an attached PDF documenting the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding two late payment notations currently being reported by all three credit bureausEquifax,XX/XX/XXXXThe accounts in question are XXXX XXXX ( account ending in XXXXXX/XX/XXXX ) and XXXX XXXX account ending in XXXXXX/XX/XXXX), both of which reflect a late payment reported as of XX/XX/year>. However, both accounts show a past due balance of {$0.00}, and in the case of XXXX , the account reflects a {$0.00} balance and past due amount altogether.

These entries are confusing, contradictory, and potentially misleading. Reporting a late payment while also listing the account as having no outstanding balance or past due amount fails to provide a clear or accurate representation of my payment history. It raises legitimate concerns about how this data was verified, and whether it meets the standard of accuracy required under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough reinvestigation of disputed items. Furthermore, 15 U.S.C. 1681e ( b ) mandates that all information reported on a consumer must be accurate and complete. These contradictory entries, which do not include any supporting documentation of a missed or late payment, suggest the information may be outdated, misreported, or possibly connected to erroneous data circulationpotentially resulting from the well-documented issues surrounding data breaches and compromised consumer records in recent years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I CALLED EQUIFAX CREDIT AND I SPOKE WITH THE FRAUD DEPARTMENT AND I TOLD THEM THAT I HAD PULLED MY CREDIT REPORT AND I DISCOVERED XXXX INQUIRIES THAT I DID NOT AUTHORIZE AND THE LADY SAID THAT SHE WOULD DELETE THESE INQUIRIES BUT THEY ARE STILL ON MY CREDIT REPORT. THEY VIOLATED LAW 15 U.S. 1679C XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} 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 : {$00.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-06-04 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: TX

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. ( NAME OF THE COMPANY ) 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 OF THE COMPANY ) 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 explanation
Consumer complaint received 2025-06-04 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:
To Whom It May Concern, I am writing to formally dispute several inaccurate and unfair items reported on my credit report, involving multiple accounts that have severely damaged my creditworthiness and violate federal consumer protection laws. Despite my efforts to resolve these issues directly with the creditors and credit bureaus, these errors remain unresolved, forcing me to seek your intervention.

1. Incorrect Address Reporting The following addresses are inaccurately associated with my credit file, causing confusion and potential fraud risks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to request the removal of incorrect personal information from my credit

report. These addresses are not mine and must be corrected or removed to prevent further harm.

2. Late Payment Reporting on XXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$530.00} Issue : Incorrect reporting of late payments. 
The reporting of late payments is inaccurate and misleading. According to the FCRA, Section 1681i ( a ), furnishers of information must conduct a reasonable investigation upon receiving a dispute and correct any inaccuracies promptly. The failure to do so constitutes a violation of my rights. 
3. Collection Account by XXXXXXXX ( Account Ending XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Improper collection reporting. 
I dispute this collection account as I was not properly notified, and the debt validity has not been adequately verified as required by the Fair Debt Collection Practices Act ( FDCPA ), Sections 809 and 810. Additionally, the debt collector failed to provide proper validation upon my request, which is a violation of federal law.

Summary and Request These inaccuracies and violations have caused me significant distress and have negatively impacted my credit score and financial opportunities. I request the following actions : Immediate removal or correction of the incorrect addresses from my credit report. 
Removal or correction of all inaccurately reported late payments on XXXX account. 
Verification of the alleged debt by XXXX, or removal of the collection account if verification can not be provided. 
Failure to comply with these requests violates the FCRA and FDCPA and may result in further legal action.

Please acknowledge receipt of this complaint and provide a timeline for your investigation and resolution.

Thank you for your prompt attention to these serious matters.

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 2025-06-04 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I lost my carecredit card. I called CareCredit to ask for a replacement card. They sent me a carecredit MasterCard. This is not the card that I originally had. They sent me a promotional upgrade to this rewards MasterCard instead which is not what I wanted. If I lose a card, I expect an exact replacement, not a promotional upgrade from a predatory company.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This is my third formal complaint against Mazda Financial Services ( XXXX XXXX XXXX XXXX XXXX ) regarding a charged-off auto loan that remains inaccurately reported and unresolved. 

The company confirmed a charge-off on XX/XX/XXXX, yet refuses to issue IRS Form XXXX as required under IRS XXXX XXXX. They continue reporting a balance with no evidence of collection activity, assignment, or legal right to collect. 

I have submitted XXXX formal dispute rounds to Mazda and the credit bureaus : Round XXXX XXXX XXXX XXXXXX/XX/XXXX Identity and debt validation Round XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccuracy challenge Round XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute over remaining balance Round XXXX XXXX XXXX XXXX  Demand for XXXX issuance Round XXXX XXXX XXXX XXXXXX/XX/XXXX Request for vehicle sale or auction documentation Mazda has only responded through generic portal messages on the CFPB system. To date, they have failed to provide : A formal signed letter confirming the debt status Any documentation validating the reported balance Proof of repossession or vehicle sale IRS Form XXXX Even if no interest or forgiveness had occurred, a consumer has the right to receive a formal written statement when requesting clarification regarding charged-off debt especially XXXX involving potential tax implications. Mazda has not fulfilled this minimum responsibility. 

I am requesting : A signed, dated letter detailing the status of the debt The full vehicle sale or auction record Immediate issuance of IRS Form XXXX Prior complaints submitted : CFPB Complaint XXXX XXXX XXXX XXXX CFPB Complaint XXXX XXXX XXXX XXXX FTC Complaint : Report XXXX XXXX  ( Filed XX/XX/XXXX ) This is my final administrative request. If Mazda continues to avoid accountability, I will file IRS Form XXXX and pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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