vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$620.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
The documentation on record does not accurately reflect my financial conduct and appears incomplete. I ask for a thorough review and revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: SC

Complaint narrative:
I am constantly getting notices from UNIFIN Inc . I have not idea what this debt is or when it was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
Creditor : XXXX XXXX  Type : Rental Agreement Opened : XXXX XXXX, XXXX Closed : XXXX. XXXX, XXXX Reported : XXXX XXXX, XXXX Balance : {$40000.00} Status : Closed 120+ Days Late Remark : Account closed by credit grantor Last Payment : XX/XX/XXXX Payment History : Only 51 % on time Times Late : XX/XX/XXXX ( 30/60/90+ pattern ) INCONSISTENCIES AND FCRA VIOLATIONS 1. Closed account showing 120+ days late ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) A closed account can not simultaneously report a current delinquency status. Once closed, it should report as : Closed Paid, Closed Settled, or Closed Charged Off.

Reporting 120+ Days Late implies the account is open and currently delinquent thats factually inaccurate.

2. Date inconsistency Last Payment AFTER Closed Date Closed : XXXX. XXXX, XXXX Last Payment : XX/XX/XXXX A creditor can not legally accept or apply a payment after the account is closed by the grantor.

This suggests data fabrication or reporting error violating 15 U.S.C. 1681e ( b ) ( reasonable procedures for accuracy ).

3. Missing Charge-Off or Collection notation ( XXXX XXXX Error ) If this balance is {$40000.00} and closed by credit grantor, it must be categorized as charged off or transferred to collections. 
Leaving it blank while showing an outstanding balance and closed creates ambiguity and misrepresents account standing. 
Violates XXXX XXXX Format : Field 17 ( Account Status Code ) requirements. 



4. No monthly payment info ( incomplete data field ) XXXX XXXX requires a monthly payment amount field ( Field XXXX ). 
Reporting No Info is incomplete, reducing report reliability and violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for incomplete information.

5. Duplicate remark Account closed by credit grantor The remark appears twice, which can confuse automated scoring models and trigger unfair negative weighting.

Violates FCRA 1681i ( a ) ( 5 ) ( A ) ( duty to maintain clear and accurate information ).

6. Payment history inconsistency It says : 51 % of payments on time But also lists only 1 late 30/60/90+.

That math doesnt match : if you had 48 months ( XXXX XXXX XXXX  ), 51 % on time means nearly half ( 23 months ) late. 
Thats an internal contradiction, suggesting incorrect payment history transmission. 

Issue Description Regulation Violated 1 Closed account showing 120+ days late FCRA 1681s-2 ( a ) ( 1 ) ( A ) 2 Last payment after closure date FCRA 1681e ( b ) 3 Missing charge-off or collection notation XXXX XXXX, Field 17 4 Missing monthly payment info FCRA 1681s-2 ( a ) ( 1 ) ( A ) 5 Duplicate remarks FCRA 1681i ( a ) ( 5 ) ( A ) 6 Payment history doesnt match summary FCRA 1681e ( b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I transferred my lease in XXXX and Lexus Financial is still trying to draft payments. I have called numerous times to get them to stop and they say they have no record of me and they are not able to stop. The payments are drafting every month and my bank has to reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: NV

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 non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX RE : CREDIT REPORT DELETION DEMAND & CEASE AND DESIST Account Number : XXXX To Whom It May Concern : I am formally requesting that you cease all communication with me regarding the above-referenced account pursuant to 15 U.S.C. 1692c ( c ).

In addition, I am demanding the immediate removal of this account from all credit bureaus ( Equifax, Experian, and TransUnion ) for the following reasons : 1. Failure to Provide Validation ( 15 U.S.C. 1692g ( b ) ) If you can not provide complete validationincluding the original contract, itemized statements, chain of assignment, and proof of legal ownershipthen you are reporting information without verification, which violates the FDCPA and FCRA.

2. Reporting Inaccurate or Unverified Information ( FCRA 15 U.S.C. 1681s-2 ) You are not permitted to furnish information to any credit reporting agency that is inaccurate, incomplete, unverifiable, or outdated. If you can not fully validate the debt, you must delete the trade line.

3. Request for Investigation & Deletion ( FCRA 15 U.S.C. 1681i ) This serves as a formal dispute of the accuracy and completeness of the account. Until you complete a full investigation, you must : - Mark the account as " in dispute '' with all bureaus immediately.

- Cease reporting any negative information.

- Delete the account entirely if it can not be fully verified.

Required Actions : 1. Cease all communication with me except as allowed under the FDCPA.

2. Conduct an investigation of this account.

3. Provide full validation within 30 days.

4. If you can not validate the debt with legally required documents, you must : - Delete the account from all credit bureaus.

- Notify me in writing of deletion.

Any continued reporting of unverified or inaccurate information will result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, along with consideration of civil remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
It has come to my attention that Experian is still reporting a fraudulent account on my credit file, specifically : Creditor : XXXX XXXX  Account Number : XXXX This account is not mine. It is the result of identity theft. This fraudulent item was previously investigated and removed from my credit file. Its reappearance constitutes a flagrant violation of my rights under the FCRA and demonstrates a catastrophic failure in your data management and investigation processes. 

Your bureau has failed to conduct a reasonable reinvestigation as mandated by FCRA 1681i, which requires you to act within 30 days of receiving a dispute. You have exceeded this statutory deadline, and your continued reporting of this fraudulent information is causing me significant and ongoing harm, including but not limited to severe credit damage, financial distress, and emotional anguish.

Your actions, or lack thereof, are in direct violation of federal law. The continued presence of this fraudulent account on my credit report is unacceptable 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint because ProCo Collect is attempting to collect a debt that is inaccurate, unverified, and legally unsupported. The alleged balance of {$9900.00} is associated with XXXX  XXXX XXXX, previously managed by XXXX XXXX. I vacated the apartment and returned all keys on XX/XX/year>, which ended my tenancy. I did not reside in or have access to the unit after that date.

The landlord never issued any of the legally required notices under Florida Statute 83.56, including a Three-Day Notice to Pay or Vacate, late notices, delinquency notices, or any formal demand for rent. No eviction case was ever filed, no summons was issued, and no judgment or writ of possession exists. The claim that I lived in the unit for three months without paying rent is factually and legally impossible.

Additionally, the landlord attempted to alter my lease by handwriting changes directly onto the document and signing it themselves. I never agreed to or signed these changes. When I requested a legally corrected lease, they refused to provide one. Because of this, I ended my tenancy and returned the keys.

Since the property is no longer managed by XXXX XXXX and the property manager who handled my file is no longer employed, the original creditor has been unable to provide documentation. I have made multiple attempts to obtain verification from both the landlord and ProCo Collect, but no documentation has ever been provided. Under FDCPA 15 U.S.C. 1692g ( b ), the collector must cease all collection activity until validation is provided. 

To date, ProCo Collect has failed to provide validation and continues to attempt collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am disputing an inaccurate late payment reported by XXXX to Equifax on my Installment sales contract, account XXXX XXXX XXXX XXXX XXXX  for the XX/XX/XXXX. This report is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX & XXXX ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: MN

Complaint narrative:
On Monday, XX/XX/XXXX, I contacted Discover because I was unable to update my phone number or email address on my account. Each time I attempted to update my information or log in through the app or website, I was blocked by a security verification that required a five-digit code from my card. I did not have my physical card at the time, which is why I called Discover for assistance. 

The first agent told me this was part of a new security update and that it should be resolved by the end of the day. It was not. When I called again, another agent stated that it was not a security update at all, but an issue tied specifically to my card, and that I would not be able to bypass the verification without the card information. Based on this, I went ahead and canceled my card and requested a replacement. 

I was told the new card would arrive by Tuesday the XXXX or Wednesday the XXXX with expedited shipping. Even after that timeframe, I still could not access my account or reset my password. 

From Monday through Friday, XX/XX/XXXX, I repeatedly contacted Discover. Over the course of these calls, more than 16 temporary passwords were sent to me, but none of them allowed me to log in, reset my password, or update my contact information.

Throughout this entire process, every time Discover required verification from me, I completed all identity verification stepsincluding scanning my drivers license and submitting multiple live selfies. Each verification attempt was marked as successfully completed, yet I was still locked out of my account.

During one call, an agent refused to explain the reason for the issue, stating that it was confidential and part of a mass ticket affecting other customers. However, the most recent agent I spoke to claimed she had never heard of such an issue and had no knowledge of any additional security verification being added. This inconsistency shows a clear lack of internal communication, leaving both customers and employees uninformed.

As of today, I still can not access my account, view my funds, update my contact information, or manage my finances independently. I am forced to call Discover customer service every time I need to transfer money, which is highly inconvenient and concerning. All of my calls to Discover should be recorded.

I am requesting CFPB assistance because despite multiple attempts, completed identity verifications, conflicting explanations from staff, and no resolution, I remain locked out of my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: AR

Complaint narrative:
This letter serves as a formal dispute pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 regarding inaccurate, unverified, and potentially fraudulent information currently appearing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CO

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 explanation
Consumer complaint received 2025-11-28 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: CO

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 2025-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
The Bank of America account has been completely compromised, this issue has been going on from the inside for over 2 years, there is someone using an remote server that has all of my banking information and not just bank of America is involved, AND ALSO MY IRS ONLINE ACCOUNT HAS BEEN BLOCKED FROM THE FRONTEND AND BACKEND BY THESE ONLINE TERRORISTS.

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