vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Lexus Financial Services ( a service mark of Toyota Motor Credit Corporation ), addressed to me, demanding payment of {$5900.00} related to a total loss of a leased XXXX XXXX XXXX XXXX. 

The letter explicitly stated : This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

This disclosure is mandated by 15 U.S.C. 1692e ( 11 ) and applies exclusively to debt collectors. By including this language, Toyota effectively identified itself as a debt collector, thereby subjecting its actions to the requirements of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent a certified dispute and debt validation request to the address listed in their letter. Under 15 U.S.C. 1692g ( b ), Toyota was legally required to respond with proper validation before continuing any collection efforts. 

Toyota did not respond. Instead, they transferred the alleged debt to a third-party agency, XXXX XXXX XXXX , without providing any itemized explanation or supporting documentation. This occurred while the debt was under active dispute, in direct violation of 1692g ( b ). 

Toyota later claimed they are not subject to FDCPA. However, in their official response to my husbands previous CFPB complaint, they admitted that : " The account was four months past due as of XX/XX/XXXX, beginning with the XX/XX/XXXX payment. '' This is crucial, because under 15 U.S.C. 1692a ( 6 ) ( F ) ( iii ), a creditor is only exempt from FDCPA if the debt was not in default at the time they began collection efforts. 
By their own admission, Toyota initiated collection while the debt was already in default, and therefore can not claim exemption from FDCPA. 

This complaint is not about the delinquency itself, but rather about Toyotas violation of federal law by failing to validate the debt upon request, and by unlawfully transferring the unresolved, disputed debt to a third-party collection agency. 

To this day, no proper validation or itemized statement has been provided. As the named lessee, I was denied my statutory right to review and challenge the debt prior to third-party collection activity. 

Given the clear procedural and statutory violations, I am preparing to file a formal claim in California XXXX XXXX XXXX  against Toyota Motor Credit Corporation for violations of the FDCPA, FCRA, and applicable California consumer protection laws. This complaint is part of the documented record supporting that action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
ACCOUNT SHOWING PASS 30 DAYS LATE. BUT ITS NOT LATE I HAVE MY RECIEPT SHOWING IT WAS PAID ON XX/XX/XXXX AND COMPLETED THEY HAVE THERE FUNS.. 

IM NOT LATE 30 DAYS UNLESS I GO PASS XX/XX/XXXX USC 1681 BA2 15 U.S. CODE 1681e- MY REASONS FOR EVEN BEING LATE.. 

I HAD FAMILY ISSUES MY XXXX XXXX WAS IN XXXX SHE XXXX XX/XX/XXXX XXXX WAS XX/XX/XXXX MY XXXX  XXXX XXXX HER XXXX WAS XX/XX/XXXX.. 

I FELL BEHIND HELPING MY FAMILY OUT WITH BILLS AND BOTH XXXX  SERVICES..

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 2025-06-05 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I PLEASE ASK FOR YOUR URGENT HELP IN HELPING ME WITH THIS MATTER, SOMEONE HAS STOLEN MY IDENTITY AND TAKEN OVER MY LIFE FRAUDULENTLY, PLEASE HELP ME REMOVE THE FRAUDULENT ITEMS THAT ARE REPORTING ON MY CREDIT PROFILE THEY DO NOT BELONG TO ME. PLEASE HELP ME I NEED THIS TO BE SOLVED. PLEASE SEE MY ATTACHED FILE AS I HAVE ADDED EVERYTHING YOU GUYS HAVE REQUESTED FROM ME IN ORDER TO MOVE FORWARD, THANK YOU.

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 2025-06-05 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
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 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, XX/XX/year>, I received an alert for a hard inquiry on my credit report. 

This inquiry was from Capital One. 
I contacted Capital One and reported this as fraud as I did not apply for anything new and have been a Capital One customer for years. 

They provided the application Id #, the address used on the application and the type of account. 

They also suggested I contact consumer finance as well as the local police department to report the fraud. 

They would not provide me with any additional information, such as where the application was submitted or with what information. I now have to file a police report to start an investigation to make sure my identity is not being stolen. 

I also have to wait 60-90 days for this inquiry to be removed from my credit report. 

I will be filing a dispute with the credit bureaus as well. This is just poor practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 
It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. 
Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and fraudulent : XXXX XXXX- XXXX * * * * {$350.00} opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX * * * * {$23000.00} opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$00.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00} Inquiries XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX XXXX  Date XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Equifax Information Services LLC ] [ XXXX XXXX XXXX ] [ XXXX, GA XXXX ] Subject : Dispute Regarding Reinsertion of Negative Item on Credit Report 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) Dear [ Equifax Information Services LLC ] , I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/XXXX ] I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contacted Capital One multiple times asking for repayment or hardship assistance. They repeatedly stalled, offered no real repayment options, and wasted my time. They only suspended late fees temporarily and refused to share written options, instead pushing phone calls, which I declined. This feels deceptive and exploitative. I requested written terms, email-only contact, and escalation to a real hardship team. After over an hour of chat and repeated requests, they still refused to confirm if actual settlement or repayment programs exist. I am requesting CFPB intervention to ensure Capital One provides clear, written options, stops stalling, and offers an actual hardship or settlement programnot vague fee delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got sucked into a misleading balance transfer offer. Paid dearly like 5 % for tansfer. Then the games start. If any purchases the interest continues, Ok. So I lock card and I pay off all purchases and dont purchase no more.. But interest doesnt stop. It turns into a Shell GAME.. Even if I comply with rules I cant get interest to stop. I want the balance transfer I paid for of 0 % interest but impossible to stop the additinal interest .. very scheming and fraudulent and feel trapped... I cant escape the interest no matter what I do. I lock card. No charges going through.. I paid way back in XXXX all purchase by double and they continue to eat away extra interest.. Its a XXXXXXXX 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 2025-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXX XXXXXXXX Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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