vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting a fraudulent account that is currently being shown on my credit report. I have never opened this account, never given consent to the company reporting it, and have no idea how my personal information was used in this context. This is a clear case of unauthorized activity, and it is misrepresenting my financial history.

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 2025-08-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, I was involved in an accident that totalled my car and I had a severe concussion. I called Toyota Motor Credit and was told I had gap insurance and therefore I would Not Have to Pay the balance of approximately {$5000.00} that was less than the insurance payout on the XXXX XXXX About 3 weeks later I was pinged on my XXXX Credit Tracker with a 30 day late ( resulting in a XXXX point drop to my XXXX score from Toyota Motor Credit ) -- - when I called about this, I was informed that their rep got it wrong and that I owed the balance of {$5000.00} and so the 30 day late report was accurate. I was shocked that they thought it was fair to report this under the circumstances. I spoke to a manager ( I XXXX '' t remember her name ) who told me to give her 2 or 3 weeks and she would get back to me on this situation. After about 25 days, I got another 30 day late and a few weeks after that I was pinged again with another XXXX point XXXX drop ... they added another 30 day late for 60 days late, and wrote off the debt crushing my credit and not giving me a chance to pay it off which I would have done. The manager asked me to " be patient while she investigated it then they callously just wrote it off and sent the report to all credit bureaus. I finally did get the manager on the phone and she told me " I am sorry but its out of hands. I wish I could help you. Its not right '' I was told I now had go through their collection dept at Toyota Motor Credit. The collection manager offered me a " deal '' to take off {$1500.00} and I would have a XXXX balance. I took the deal. What else could I do? The collection dept then reported the debt as " charged off {$4300.00} and paid for less than owed '' The collection manager never told me he would report this in such a way as to permanently ruin my credit. ( as less than owed .. if I had known this I would have paid all of it to avoid that statement- " less than owed ) ). Again, they misled me for the third time and have consistently acted with bad intentions and without integrity. I paid the {$1500.00} balance recently and they still report this as a charge off for {$4300.00} and they continue to mislead lenders and continue to damage my credit. They refuse to accept any reponsibility and its truly consumer abuse in a way that I have never seen in my XXXX  years of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am filing this complaint to dispute a late payment that has been incorrectly reported on my credit history. My records confirm that no payment was missed, and this reporting is in direct conflict with my actual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding two inaccurate tradelines reported by Self Financial that are currently appearing on all three credit bureaus XXXX XXXX and XXXX. 

These accounts are fully paid and closed, yet both are being inaccurately reported as having late payments and incorrectly marked with account paid from collateral, which is false. These were secured installment accounts and no collateral was ever collected or used. 

Details of the accounts : Self Financial account # 1 Final payment : {$520.00} Reporting issue : Shows 30-day and 60-day late payments ; falsely labeled as paid from collateral.


Self Financial account # 2 Final payment : {$240.00} Reporting issue : Shows delinquency/late payments ; falsely labeled as paid from collateral.

I previously disputed these inaccuracies with all three credit bureaus and requested proper verification from Self Financial. They failed to provide documentation and continued to report incorrect and damaging information.

This is a violation of the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate, incomplete, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 am submitting this formal complaint and legal identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically under 605B [ 15 U.S.C. 1681c-2 ]. I have been the victim of identity theft, and multiple fraudulent accounts and unauthorized credit inquiries have appeared on my credit reports from TransUnion, Equifax, and Experian.

Despite providing proper documentationincluding a government-issued ID, an FTC Identity Theft Report, and a police reportthese inaccurate and harmful entries remain on my file, and I have not received confirmation of their deletion within the timeframe required by federal law.

Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  TransUnion These inquiries were made without my consent or knowledge and are connected to the fraudulent use of my identity. 



Documents Submitted : Copy of government-issued ID FTC Identity Theft Report Police report detailing identity theft Data Breaches Potentially Linked to Fraud : My information may have been compromised in multiple large-scale national data breaches around the times these accounts were opened, including : Equifax ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Legal Basis and Demand : Under FCRA 605B, consumer reporting agencies must block and delete any information that resulted from identity theft within 4 business days of receiving a written request with proper documentation. Additionally, they must notify the furnishers of the dispute and not reinsert any removed data unless they follow the procedures under 611.

I am demanding that the CFPB ensure that : 1. All listed fraudulent accounts are permanently deleted.

2. All listed unauthorized credit inquiries are removed.

3. All three credit bureaus ( Experian, TransUnion, and Equifax ) comply with federal law.

4. I receive written confirmation from each bureau of the completed actions. 

Thank you for your attention to this matter.

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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In early XXXX ( exact month unknown ), LVNV Funding LLC attempted to sue me over a debt that was incurred by my late wife without my knowledge or permission. My wife passed away in XXXX, and it was only after her death that I became aware she had opened credit accounts in my name using my personal information. She also used a secret email address to intercept communications from the creditors, which prevented me from discovering the activity earlier. 

When I contacted LVNV Funding LLC to explain the situation, I informed them that I did not authorize these accounts and had no knowledge of their existence. The representative I spoke with was hostile and told me that they were coming after me personally and would take everything I own. 

On the scheduled court date, I met with the attorney representing LVNV at the courthouse. I presented evidence showing that the accounts were fraudulently opened by my wife without my consent, and that she used a hidden email address to conceal the activity. After reviewing the documentation, the attorney agreed to have the case dismissed.

Despite the dismissal, LVNV Funding LLC continues to report that I owe the debt. There are currently two accounts in question, and they have refused to remove them from my credit report or acknowledge that the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
RE : dispute in the amount of {$920.00}, item was returned to merchant store as per their instructions because the item was not the item i ordered, the response to AMEX from the merchant is fraud, the merchant did not inform " final sale '' as they allege, the merchant did not email me any paperwork as they allege

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXXXXXX  Complaint to CFPB Regarding Inaccurate Credit Reporting by XXXX  To Whom It May Concern : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an account being reported on my credit report by XXXX, which is inaccurate and misleading. 



Here are the details of the account in question : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Unsecured Loan Date Opened : XX/XX/XXXXXXXX   Date Closed : XX/XX/XXXXXXXX  Reported Balance : {$4300.00} Status : Charge-Off Although this account is marked as a charge-off, it is still reporting late payments after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ), as it is inaccurate and does not reflect the true status of the account. Once a debt is charged off, creditors can not continue to report monthly late payments, as doing so is both misleading and damaging to the consumer 's credit profile. 



I have attempted to resolve this matter through the credit bureaus but have not received a satisfactory correction. I am now requesting CFPBs assistance in investigating this improper reporting and ensuring it is corrected or removed. 



Requested Resolution : - Removal of all late payment entries made after the charge-off date of XX/XX/XXXXXXXX 

- Update the account to reflect accurate charge-off status without post-charge-off delinquencies. 

- If not verifiable, delete the account from all credit reports. 







Sincerely, 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 2025-08-07 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and XXXX wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
I am sending A final attempt to resolve this matter. I do not owe this debt and I have attached documentation in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-07 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: MO

Complaint narrative:
On Friday XXXX XX/XX/XXXX I had made two attempts to purchase {$400.00} ( {$200.00} each ) worth of XXXX, a cryptocurrency, through my secure digital wallet using blockchain.com as the vendor. Both of these attempts reported as unsuccessful on my end but my funds have not been returned. I have made a number of attempts to utilize their support features on their site by submitting well detailed support tickets with no receipt confirmation email, and leaving voicemails on their single ( one ) exclusive phone number documented anywhere online.

I contacted my bank and was grateful to have a most thorough conversation one of their representatives who was able to tell me that despite the failed transaction message I received from blockchain.com, my transactions were in fact not declined, that they were 'in progress ' with the merchant, and as such the funds are pending until the merchant either releases them or agrees to produce documentation that states they are not collecting the funds, with which my bank could then take action to see the funds returned to my account. 

This seems a bit extensive for only {$400.00}, but I am a XXXX veteran and have not been able to work since XXXX and I have an urgent essential need to have these funds returned immediately. 

Thank you so very much for your attention and effort. 
Very grateful regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief