vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


My complaint is regarding inaccurate late payment reporting by TOYOTA MOTOR CREDIT on my credit file for account number XXXX The creditor has furnished late payment information that does not accurately reflect my payment history and appears to be incorrect or unverified. I contacted the creditor directly and formally requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), as furnishers are required under 15 U.S.C. 1681s-2 to report only accurate and fully verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Information have been attached on the document below. Kindly finf on the attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting these entries be reviewed, and if they can not be verified, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. I am not liable and refuse to pay these debts I have not signed a contract with any of these companies. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance I demand a thorough investigation and review of my credit report. Furnish contracts between the debt collectors and myself or remove fraudulent information from my credit report.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE REPORTED INFORMATION VIOLATES ACCURACY REQUIREMENTS.

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 2025-10-30 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting an inaccurate account on my XXXX XXXX XXXX XXXX  report. I requested validation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, but they failed to provide proof. I am requesting deletion of this unverifiable account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My complaint is regarding inaccurate and inconsistent reporting by TD BANK USA/TARGETCRED on my credit reports. This creditor is reporting my account with different statuses and balances across the three major credit bureaus XXXX XXXX XXXX XXXX. For example, one bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 

TD BANK USA/TARGETCRED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists collection accounts that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: RI

Complaint narrative:
I am a victim of identity theft. A fraudulent auto loan was opened in my name with XXXX XXXX XXXX in XX/XX/XXXX and later sold to XXXX XXXX XXXX XXXX. 

I already filed a police report ( # XXXX, XXXX Police Department ) and submitted validation and cease-and-desist letters to both companies. 

XXXX confirmed on XX/XX/XXXX, that they no longer own the account ( sold to XXXX in XX/XX/XXXX ) and have ceased all communication. 

XXXX XXXXXXXX XXXX XXXXXXXX responded on XX/XX/XXXX, but failed to provide any signed contract, validation documents, or authorization proving this debt is mine a violation of FDCPA 809 ( b ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ).

This account continues to appear on my credit report, despite being fraudulent. I request the permanent blocking and deletion of this account under FCRA 605B ( Identity Theft ). 

Attached documents : XXXX Police Report ( # XXXX ) Copy of drivers license ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX response CFPB complaint confirmation for both creditors

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 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Grimley Financial Corporation
State: DE

Complaint narrative:
XXXX. What happened : In [ XXXX ], I received correspondence from a debt collection agency regarding a debt allegedly owed for medical services. 
The debt was listed under my infant sons name, but the letter was addressed to me. 
I sent a written debt validation request under the FDCPA ( 15 U.S.C. 1692g ) asking the agency to provide : XXXX. Documentation proving the debt is valid, XXXX. The original creditors name and address, XXXX. Verification that I am legally responsible for the debt. 

XXXX. What the company did : The collection agency responded with only : the original creditor, the service date, and the balance. 
They did not provide proof that I am responsible, no signed agreement, and no itemized charges. 
The letter included a threatening statement : If payment is not promptly received, you will leave us no other choice than to close your account as uncollectible and recommend to our client that they seek further action. 
They continued to send notices after the 30-day period following my validation request. 

XXXX. What you did : I disputed the debt in writing and requested full validation. 
I have kept copies of all correspondence and documentation. 
I have not paid any amount and have not admitted responsibility. 

XXXX. Outcome or current status : The collection agency has not provided proper validation and continues to threaten collection action. 
I believe this is a violation of the FDCPA because the debt is being pursued without sufficient proof, and it involves a minor who can not legally owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
In XX/XX/year>, I was unable to access my XXXX Credit Card account online through Comenity Bank. Even after triple-checking my login credentials and attempting to reset my password, I kept receiving error messages that prevented me from logging in. I felt like I was being locked out of my account and had no way to view or pay my balance online. 

Because of this, I was forced to call Comenity Bank by phone on XX/XX/year> to make a payment. During that call, I paid my entire balance of {$80.00}, and I received written confirmation that my payment was processed and my balance was {$0.00}. 

However, my credit report later showed that the account was closed by the credit grantor in XX/XX/year>, with three alleged late payments and a reported high balance of {$530.00}. This is inaccurate I never held a balance that high, and my final credit limit was {$200.00}. I was never informed that my account would be closed, nor was I given a chance to dispute these false late payments before they appeared on my credit report. 

My payment history with this account was always on time and in good standing. I am requesting that Comenity Bank and the credit bureaus correct the inaccurate information, remove any false late payment history, and update the record to show that the account was paid in full and closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am a victim of identity theft and have been disputing an account that XXXX XXXX XXXX XXXX ( XXXX XXXX ) is inaccurately reporting in my name. In XX/XX/year>, I sent XXXX XXXX  a certified letter requesting that they validate the authenticity of this XXXX  credit card account, as I do not recognize it and believe it was fraudulently opened. 

Despite receiving my certified dispute letter ( as shown in the attached proof of delivery dated XX/XX/year> ), XXXX XXXX failed to provide any evidence that I am the legitimate owner of this account. They did not produce a signed application, digital authorization, or IP address confirming my consent to open or use the account. 

Furthermore, XXXX XXXX  inaccurately reported a late payment on this disputed account to the credit bureaus, even though they have not verified that the account belongs to me. This constitutes furnishing inaccurate information and failure to properly investigate a consumer dispute, both violations of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: IN

Complaint narrative:
I am submitting this complaint as my XXXX round follow-up demanding the permanent removal of the following charged-off, collection, and unauthorized inquiry entries that continue to appear on my credit report. Despite multiple previous disputes, these inaccurate and unverified items remain, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as Charged Off, yet no valid Form 1099-C ( Cancellation of Debt ) has been issued or verified for a balance above {$600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit bureaus are required to maintain the maximum possible accuracy of reported information. Reporting this debt without a valid 1099-C violates federal accuracy standards and constitutes unverified reporting. I demand its permanent deletion from my credit file. 
XXXX, XXXX XXXX XXXX XXXX : {$5900.00} XXXX  This collection account remains unverified. Under FDCPA 809 [ 15 U.S.C. 1692g ], debt collectors must provide proof of debt validation upon request. Since no verification has been provided, the reporting of this account violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which mandates the removal of unverifiable or inaccurate information. I demand permanent removal of this collection entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my knowledge or authorization, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which state that consumer reports may only be accessed with explicit consent from the consumer. These unauthorized inquiries must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ].

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: GA

Complaint narrative:
A debt collector sent a letter with claims of a debt Im unaware of. This isnt any debt that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Experian Equifax and TransUnion for ongoing violations of the Fair Credit Reporting Act. I obtained my credit reports and found multiple errors in both my personal identifying information and account reporting. I have disputed these inaccuracies and provided supporting documentation, yet the bureaus have failed to correct or verify the disputed items as required by law. 

Under 15 USC 1681i I requested a full reinvestigation and the method of verification used to confirm each disputed item. I also requested disclosure of the procedures and documentation used in the reinvestigation process as required by 15 USC 1681i 7. To date none of the bureaus have provided the required information including the names addresses and contact details of the furnishers that were allegedly contacted.

The bureaus are reporting false and outdated information including incorrect former names such as XXXX XXXX and XXXX XXXX multiple old addresses including XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX NC as well as inaccurate employers such as XXXX XXXX and XXXX  XXXX. In addition several accounts and inquiries remain on my reports that are inaccurate or unauthorized including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX as well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The bureaus have failed to maintain reasonable procedures to ensure maximum possible accuracy in violation of 15 USC 1681e b. They have also failed to delete unverifiable or inaccurate information as required under 15 USC 1681i a 5. Their lack of response and incomplete reinvestigation show clear noncompliance with the FCRA.

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