vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 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 seven 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.

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 2025-08-16 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.
State: GA

Complaint narrative:
While reviewing my Experian report I noticed some improper unauthorized hard inquiries on my credit file. These do not belong to me.

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 2025-08-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was out with my husband and a lady who claimed to do hair fraudulently gave me her number. I looked up her phone number and it showed : XXXX has been associated with Credence Resource Management LLC, a debt collection agency based in XXXX, TX. This is very illegal. I need for someone to forewarn them not to call me. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 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 seven 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.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX sold my credit card debt information to an unknown company after the account was closed. I start getting unwanted calls and people knocking on my door during the daytime, as well as any time of night. I had acted like they were some official, I had to threaten to call the police if they knocked on my door again. This happened between XX/XX/year> and XX/XX/year> ; they sold my personal information to a stranger whom I never agreed to. Also they have 2 incorrect addresses on my credit report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted dispute letters to TransUnion on XX/XX/2025, regarding inaccurate collections and hard inquiries on my credit report. Despite sending detailed documentation, including evidence of errors, none of the companies have corrected or removed the unverifiable information. I am requesting that they investigate and delete these accounts and inquiries in accordance with 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 non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXX2025 XXXX XXXX2025 Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I financed a XXXX XXXXXXXX XXXX Roadster ( VIN : XXXX ) through Toyota Motor Credit Corporation after purchasing the vehicle from XXXX XXXX XXXX in XXXX XXXX, CA. 

Since the purchase, the vehicle has been plagued with repeated issues, including : A malfunctioning tire pressure monitoring system ( XXXX ) A convertible top warning light that remains on A failed windshield wiper motor/sprayer system And most critically, a catastrophic transmission failure I have now been informed by XXXX that there is no longer any part support for this transmission, leaving the vehicle effectively unrepairable. This means I am paying on a loan for a vehicle that can not be properly serviced. 

The sales window sticker also misrepresented features, including listing daytime running lights that the car does not have. 

I escalated this matter to XXXX XXXX, who scheduled me for a meeting with the dealerships XXXX XXXX. I showed up, but the XXXX canceled last-minute and has never followed up. I feel I was sold a misrepresented and unsafe vehicle while XXXX continues to hold me financially responsible for a product that is not as advertised and can not be used as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-17 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: NY

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the continued reporting of inaccurate, unauthorized, and/or unverifiable accounts on my consumer credit file. The credit reporting agencies have failed to ensure the maximum possible accuracy of the information they report, in violation of the Fair Credit Reporting Act ( FCRA ). Legal Violations : 1. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reports from being furnished without written authorization.

2. 15 U.S.C. 1681a ( 4 ) Defines consumer report subject to all FCRA protections.

3. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of information that is unverifiable, unauthorized, or resulting from identity-related issues. Reinsertion without proper certification is a violation of federal law. 
The disputed items were not validated with original documentation ( such as signed contracts or written authorization ) and appear to have been processed through electronic or automated systems such as e-OSCAR, which do not meet the verification requirements under the FCRA. Please note, I do not authorize the use of automated systems such as e-OSCAR for verification. I require original documentation that links me personally to these accounts. 
Despite prior disputes, the CRAs have failed to remove or block these accounts, continuing to report unverifiable information in violation of federal law. I request CFPB oversight and enforcement to ensure that these items being immediately deleted and permanently blocked from reinsertion, and that the credit bureaus comply with all requirements under the FCRA. 
ACCOUNTS : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already filed a Police report Identity Theft with the Federal Trade Commission ( FTC ) , which supports this complaint. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to delete and block the disputed information upon receipt of an FTC Identity Theft Report and a written dispute. My FTC Report Number is : XXXX I respectfully request that the CFPB enforce compliance with the above laws, require the immediate delete and permanently block of the disputed information, and take appropriate action against the credit bureaus for their failure to comply, and Assurance that no reinsertion occurs without proper certification. I appreciate your prompt attention to this matter. This complaint is filed to preserve my rights under federal law and to request CFPB enforcement to protect consumers against unlawful credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: NV

Complaint narrative:
I filled a dispute for XXXX transactions that was taken out of my account by a company called XXXX. XXXX for {$100.00} and XXXX for {$80.00}. XXXX gave me a refund for the {$80.00} transaction but did not give me a refund for the transaction of {$100.00}. US bank is saying it is the same transaction and XXXX have me a partial refund. Although I had $ XXXX Taken out of my account before receiving a refund from depop. US bank is refusing to acknowledge that these are XXXX different transactions or show proof that these are these are the same transaction. I am also unable to close this account because of this confusion from us banks.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am an XXXX XXXX service member with consecutive mobilization orders. My initial mobilization order was from XX/XX/XXXX, to XX/XX/XXXX. I began a new mobilization order on XX/XX/XXXX. 

On XX/XX/XXXX, I financed a home through PennyMac. I requested that my mortgage be placed under SCRA protections, including a reduced interest rate, as I was on XXXX XXXX at the time of financing. PennyMac refused to apply the SCRA lower interest rate, stating that because my new mobilization order began after my initial orders, I was not eligible.

I provided PennyMac with all relevant documentation verifying my XXXX XXXX status and orders. Despite this, the company has denied SCRA protections. This refusal appears inconsistent with the Servicemembers Civil Relief Act, which entitles XXXX XXXX service members to reduced interest rates regardless of consecutive or overlapping orders. 

Actions Taken : Requested SCRA interest rate reduction at the time of mortgage closing on XX/XX/XXXX. 

Provided PennyMac with copies of XXXX XXXX mobilization orders. 

Received written refusal citing timing of orders as the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
Rent debt company put a unauthorized credit report of about XXXX dollars debt on my account- I am currently homeless with proof so this is not at all accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am disputing an alleged debt claimed by Midland Credit Management, account number XXXX. I previously sent multiple written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including letters dated XX/XX/year> and XX/XX/year>. 

Midland has failed to provide proper documentation of the debt, including : A copy of the original signed agreement or contract between me and XXXX XXXX XXXX XXXX 
Proof of chain of ownership or assignment of the debt A detailed itemized statement showing principal, interest, fees, and other charges Despite my formal requests, Midland has continued to report this account to the credit bureaus, negatively affecting my credit score, and has filed a lawsuit without providing the required validation.

I am requesting that Midland : 1. Provide full, proper validation of the debt. 
XXXX. Cease all collection activity and credit reporting until validation is provided. 
XXXX. Remove any inaccurate reporting if they can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I do not have an account with XXXX XXXX XXXX. I have never signed any agreement with this 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 2025-08-16 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: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XX/XX/XXXX Last XXXX of Social # XXXX TO : Equifax Information Services, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Credit Report Dispute Auto Loan Account XXXX in * XXXX Dear Credit Bureau, I am writing to formally dispute the accuracy of information being reported on my credit file regarding my * XXXX XXXX XXXX XXXX loan account ending in XXXX. 
According to my Equifax credit report, the account is showing as 3059 days late for XX/XX/XXXX. However, this information is inaccurate and inconsistent with both my records and other bureau reporting : My Experian credit report shows the same account as current for XXXX but past due for XX/XX/XXXX which is inaccurate, with payments of {$520.00} properly recorded on XX/XX/XXXX and not for XX/XX/XXXX. 


I have bank transaction records from my XXXX checking account proving that my XX/XX/XXXX payment of {$520.00} was successfully debited by XXXX XXXX XXXX. 


This demonstrates that my payments for XXXX and XXXX were made on time and that XXXX reporting of delinquency is factually incorrect. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report. I am requesting the immediate deletion or correction of the inaccurate late payment notation for XXXX and XX/XX/XXXX from my credit file. 
Supporting Documentation Enclosed : Copy of Equifax report showing late payment Copy of Experian report showing account current XXXX  bank statement showing XX/XX/XXXX auto-debit payment Please reinvestigate this matter and provide me with written confirmation once the correction has been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief