vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this formal complaint regarding an account being reported inaccurately on my credit file. The account in question is being reported by XXXX XXXX, and it appears to contain multiple late payments ( 30, 60, 90, and 120 days past due ) which I believe may be outdated, incomplete, or inaccurately reported. 

Account Details : Creditor : XXXX XXXX  Account Number ( Last XXXX ) : XXXX Balance : {$17000.00} Date Range Reported : XXXX to XXXX Issue : Multiple derogatory payment history entries ( XXXX, XXXX, XXXX, 120 days late ) Nature of Complaint : I have reviewed my credit file and found that the reporting associated with this account may not accurately reflect my current financial standing or payment history. I believe the negative reporting may be : Based on incomplete or unverifiable data, Reflecting dates or delinquencies that may no longer be valid, and Harming my creditworthiness unfairly if the data is outdated or inaccurate.

I have attempted to address this matter by requesting a full reinvestigation, as allowed under federal law, but am now escalating this to the CFPB for formal review.

Applicable FCRA Laws Supporting This Complaint : 15 U.S.C. 1681i ( FCRA Section 611 ) : Grants me the right to dispute inaccurate or incomplete information and requires credit reporting agencies to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ) : Requires all data reported to be held to the standard of maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Requires data furnishers to promptly correct and update any incomplete or inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct proper investigations when a dispute is received and to delete or correct any information that is not verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this formal complaint regarding an account being reported inaccurately on my credit file. The account in question is being reported by XXXX XXXX, and it appears to contain multiple late payments ( 30, 60, 90, and 120 days past due ) which I believe may be outdated, incomplete, or inaccurately reported. 

Account Details : Creditor : XXXX XXXX  Account Number ( Last XXXX ) : XXXX Balance : {$17000.00} Date Range Reported : XXXX to XXXX Issue : Multiple derogatory payment history entries ( XXXX, XXXX, XXXX, 120 days late ) Nature of Complaint : I have reviewed my credit file and found that the reporting associated with this account may not accurately reflect my current financial standing or payment history. I believe the negative reporting may be : Based on incomplete or unverifiable data, Reflecting dates or delinquencies that may no longer be valid, and Harming my creditworthiness unfairly if the data is outdated or inaccurate.

I have attempted to address this matter by requesting a full reinvestigation, as allowed under federal law, but am now escalating this to the CFPB for formal review.

Applicable FCRA Laws Supporting This Complaint : 15 U.S.C. 1681i ( FCRA Section 611 ) : Grants me the right to dispute inaccurate or incomplete information and requires credit reporting agencies to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ) : Requires all data reported to be held to the standard of maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Requires data furnishers to promptly correct and update any incomplete or inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct proper investigations when a dispute is received and to delete or correct any information that is not verified as accurate.

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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I've had XXXX cars through Toyota Financial, my husband was paying on our truck and got it paid ahead and XXXX  months ago on the app his amount switched to XXXX. We went to Toyota to see what was up and to try to trade the truck in and they said we couldn't due to some Fraudulent transaction. When we called Toyota Financial they would tell us account was open and good. Then we would talk to someone else and they said the haven't received a payment since XXXX. If that was the case they would have repoed the truck in XXXX. We spoke to someone again and they said the truck was in good standing and told my husband to close his current bank account and open a new one to make payments so he did. Well a couple weeks later a tow truck driver showed up to repo the truck and said Toyota sent him. We have credit bureau statements saying the truck payments are up to date and a Toyota bill from XXXX that states it was up to day. We have paid over {$27000.00} on this truck and only owe {$15000.00} and they dont see that and this is Frustrating. I just traded my car in for a XXXX XXXX XXXX XXXX  months ago and my credit score was XXXX something and has dropped over XXXX points. I have had XXXX cars through XXXX financial and never had to deal with any of this and have always had on-time payments. They are saying they are gon na auction the truck off on the XXXX and I cant get them to figure this out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I am formally disputing the account reported under XXXX XXXX XXXX XXXX Account XXXX, listed as an auto loan opened on XX/XX/XXXX and closed in XX/XX/XXXX with an original balance of {$24000.00}. 

I have contacted the furnisher of this account, XXXX XXXX XXXX, over 12 times, requesting verification and authentication of this debt under my rights as provided by the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ). To this day, they have failed to provide the requested documentation, including a copy of the original contract with my signature, proof of identity verification, or any record substantiating the validity of this account. 

Furthermore, this account reflects late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and a repossession, yet XXXX XXXX XXXX has not produced proper records to validate such reporting. Recently, XXXX XXXX XXXX has also been publicly investigated and sanctioned for fraudulent practices, which raises further doubt about the accuracy and legitimacy of their reporting. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) gives me the right to request all information in my file and verification of the accuracy of the items being reported.

Section 611 ( a ) ( 1 ) ( A ) requires that the credit bureaus conduct a reasonable reinvestigation of any disputed information.

Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or reasonably should know is inaccurate.

Section 607 ( b ) obligates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Since XXXX XXXX XXXX has failed to validate this account despite my repeated requests, and given the serious concerns regarding their fraudulent practices, this account must be considered unverified and unverifiable. Therefore, it is required under the FCRA that this account be immediately deleted from my credit file. 

I respectfully demand that you : Conduct a full reinvestigation of this account with XXXX XXXX XXXX 

Require them to provide complete verification, including the signed contract, payment records, and proof of repossession. 

If they can not produce such documentation within the timeframe allowed by law ( 30 days ), delete this account from my credit file entirely. 

Please send me written confirmation of the results of your investigation and any changes made to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 USC 1666b ( a ) 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. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosuers from section 1637 ( b ). 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 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 2025-09-13 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:
15 USC 1666b ( a ) 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. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosuers from section 1637 ( b ). 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-13 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
My credit score was weirdly low and found out that there was a credit card account that does not belong to me. It said there is {$7500.00} debts on the account. The account has been open since XXXX  but now is closed. I reached out to the bank to make sure that the account doesn't 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 2025-09-13 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted XXXX or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$130000.00} Inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
I am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue XXXX report inaccurate, unverifiable, and unauthorized information on my credit reports, despite my prior disputes and requests for correction. These ongoing errors continue to damage my credit reputation and misrepresent my financial history. 
Inaccurate and Unrelated Addresses The following addresses are still incorrectly reported on my credit file : 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 I have never resided at these locations. Their continued reporting violates FCRA 607 ( b ) ( reasonable procedures to ensure maximum accuracy ) and FCRA 611 ( a ) ( duty to correct or delete inaccurate information ).

Inaccurate or Misleading Accounts The following accounts remain inaccurately reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, still reported negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, incorrectly impacting my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, inaccurately reported. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, incorrectly affecting my file. 
* XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$4800.00}, unverifiable. 
XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Balance Owed : {$420.00}, unverifiable and inaccurate. 
These accounts either reflect {$0.00} balances but continue to appear negatively, or they are unverifiable. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information known to be inaccurate. 
Unauthorized Inquiries The following inquiries remain on my file without my authorization : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), credit reports may only be accessed for a permissible purpose. These inquiries were not authorized and must be removed.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, XXXX. XXXX XXXX and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with explanation