vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
Re : Second Dispute Request Inaccurate Credit Reporting To whom it may concern, I am writing in reference to my previous dispute dated XX/XX/year> concerning the alleged account ( s ) appearing on my credit report, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prior response failed to provide adequate verification or proper documentation to substantiate the reporting of this account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding a full and proper investigation into this matter.

Specifically, I am requesting documentation including : 1. Original signed contract or promissory note.

2. Complete chain of custody / assignment of rights.

3. Proof of securitization, pooling, or sale of the account.

4. Full payment history.

5. Documentation of interest capitalization, settlements, or modifications.

6. Authorization agreements for reporting this account. 
If the furnisher can not produce competent evidence, the account must be deleted. Continued reporting of unverifiable information constitutes willful noncompliance under the FCRA. 
I expect a full reinvestigation within 30 days. If unverifiable, delete the account. 
Sincerely Re : Notice of Intent to Sue Inaccurate Credit Reporting / Failure to Validate Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, This letter serves as formal Notice of Intent to Sue pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), regarding your continued reporting and/or collection activity related to the above-referenced account. 
Despite multiple disputes, you have failed to provide competent evidence. Instead, you continue to report or attempt to collect on this unverifiable debt. This conduct constitutes : 1. Violation of FCRA 1681i failure to conduct a reasonable reinvestigation.

2. Violation of FCRA 1681s-2 ( b ) continued reporting without verification.

3. Violation of FDCPA 1692g failure to validate the debt.

I am prepared to initiate legal action seeking statutory and actual damages, attorneys fees, and injunctive relief.

You have 15 days from receipt of this notice to : 1. Permanently delete the disputed account from my credit file ( s ) ; and 2. Provide written confirmation of deletion.

Failure to comply will result in legal action without further notice.

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I filed a dispute for a {$14000.00} transaction on my Chase XXXX Credit Card. The dispute was resolved in my favor on XX/XX/year>, but I was never notified by Chase. I only learned of the resolution on XX/XX/XXXX through my accountant. 

On XX/XX/XXXX, I requested a credit balance refund. Since then, Chase has repeatedly delayed, misinformed me, and resubmitted requests without resolution. I have been transferred back and forth between departments with no accountability. Despite multiple escalations ( confirmation numbers XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ), I still have not received my {$14000.00} refund. 

It has now been over two months since the dispute was resolved in my favor, and Chase continues to withhold my funds without providing a clear timeline or resolution. 

I am requesting : 1. Immediate release of my {$14000.00} refund. 
2. Written confirmation of the resolution timeline.

3. An explanation of why Chase has mishandled this process.

4. Consideration of compensation for the undue stress and hardship caused. 

This situation has been mishandled at every level, and I feel effectively deprived of my rightful funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-22 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: ID

Complaint narrative:
Unknown debt being negatively reported against as being owed and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed a copy of my Experian credit report and noticed that there is a item as follow : - - Account Name - XXXX XXXX XXXX, - Address - XXXX XXXX XXXX XXXX, NY XXXX - Phone Number- ( XXXX ) XXXX This is inaccurate in my credit report and I was shocked that I have been a victim of identity theft. This has hurt me so bad as I am in the process of buying a home for my family. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative marks found on my credit reports ( Experian ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day

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 2025-08-22 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I am filing a complaint regarding possible loan application fraud, misrepresentation, and unfair financing practices by XXXX Toyota in XXXX, Oregon. 

On XX/XX/XXXX, I purchased a XXXX Toyota XXXX through XXXX Toyota financed with Toyota Financial Services. During the process, I felt pressured into a payment I could not afford, despite expressing my concerns. The dealership reassured me that I could return with insurance funds from my previous vehicle to adjust financing.

Afterward, I discovered that my credit application had been altered without my consent : My Social Security income was increased from {$1800.00} to {$2600.00}. 
My mortgage/rent expense was reduced. 
On XX/XX/XXXX, when I attempted to return the car and requested a copy of the credit application, the dealership initially refused, stating they dont keep it on file for my protection. 
After much convincing, they provided a partial application, but would not allow me to keep a copy. 

When I returned to refinance using my insurance payout : The rate initially remained the same, and they attempted to charge sales tax a second time. 
Later, they returned with a lower term and lower rate, but the monthly payment remained unaffordable. 

I have already requested a copy of the full application from Toyota Financial Services. The dealerships refusal to provide the complete record, the observed discrepancies, and the withholding of the partial application strongly suggest that false information was submitted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal and urgent dispute regarding a fraudulent account appearing on my credit report. I did not authorize, apply for, or open this account. Its reporting is entirely false and damaging to my credit profile.

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 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Collectors International, Inc.
State: NJ

Complaint narrative:
Complaint Summary : A collection agency ( XXXX ) garnished funds from a debtor on my behalf but has not remitted those funds to me as required under our agreement. Instead, the agency informed me that it is closing my case without my approval or payment. 
Details of the Problem : I placed an account with XXXX for collection in XX/XX/XXXX. I have judgements from the court. 
The agency initiated collection but was unable to do so. 
The agency recommended the services of an attorney and enforced garnishment proceedings and obtained funds from the debtor. 
Despite garnishing funds, the agency has not provided me with any accounting of the amounts collected. The total judgement amount was {$5900.00}. I received {$360.00}. I have emails from the agency stating that the attorney garnished them all back in XX/XX/XXXX. Reasons for not sending the remit included, the accountant is on vacation, error in the system, and no responses from the attorney. 
Finally, on XX/XX/XXXX, the agency told me that XXXX checks would be sent to me. But only XXXX was sent, the reason being that the attorney requested a stop payment. I asked why, but the only answer I got was they are rectifying the issue. 
I requested an accounting and payment, but the agency has failed to comply. 
The agency stated that it is closing my case without my authorization, which I believe constitutes a breach of contract and potentially unlawful withholding of collected funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am a verified victim of XXXX XXXX  debt bondage and identity theft Under FCRA Section 605C 15 USC 1681c3 and Section 605B 15 USC 1681c2 I am requesting that inaccurate and coercion based information be blocked and permanently removed from my credit file The following items are not mine and must be removed Incorrect Name XXXX XXXX was reported incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B and Section 605C the credit reporting agency must block and delete these items within 4 business days provide written confirmation and cease reporting them Failure to comply violates 15 USC 1681n and 1681o

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 2025-08-22 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: MN

Complaint narrative:
I am referring to my previous complaint with referenceno. XXXX. XXXX, For Equifax for unauthorized enquiries on my Credit reports. 

XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Equifax 's responded to my previous complaint regarding unauthorized hard inquiries on my credit report, Equifax claimed the inquiries are " factul, '' but I did not authorize these inquiries, and I continue to bellieve they were made without my permission/ consent. EQUIFAX said before they are able to assist me with my Equifax credit file they have to verify my identity and address. So that they can process my request and verify my identity. 

Am attaching my paystub of my previous address, and my utility bill of my current address. And also my Driver 's License.

Company response to consumer: Closed with explanation