vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX  Reported Balance Yet Highest Balance Shows {$0.00} On the second image, XXXX XXXX XXXX XXXX  shows a reported balance of {$6300.00}, but under Highest balance it says {$0.00}. Thats inconsistent : if the account carried a XXXXXXXX balance, it contradicts the highest balance input. 

Chargeoff Status with No Payment Info The remarks state Charged off account / Fixed rate, with last payment dated XX/XX/XXXX, yet over 2 % ontime payments, and no data for monthly payments or worst status. Chargeoffs typically include clear payment history and balance statusso omissions or missing terms could suggest incomplete reporting.

Payment History Icons ( Derogatory through XXXX ) The chart shows derogatory flags consistently from XXXX through XXXX, and earlyyear derogatory flags for XXXX, while XXXX implemented Late symbols. Yet the text says you've made just 2 % of payments on time. If the account truly closed in XX/XX/XXXX and charge-off occurred then, ongoing derogatory indicators may signal re-agingillegally extending the reporting windowor continued reporting on a closed account. Under the FCRA, negative reporting must cease 7 years after the date of first delinquency. 
Account Term Beyond Normal Duration The account shows a 72-month ( 6-year ) term but was opened in XXXX XXXX it would normally end in XX/XX/XXXX. Yet negative reporting continues well past that window. That may reflect improper account status or misreported charge-off timing. Summary of Suspected Errors Potential Error Description Balance
mismatch {$6300.00} reported but highest balance {$0.00} Incorrect charge-off data Ambiguities in payment history and account status Postchargeoff derogatory reporting Derogatory marks appear after closure and beyond allowable duration Term inconsistency Term suggests closure in XXXX but reporting continues afterward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
I had made a larg down payment with an additional combine total of monthly payments for the very first three to four months for a XXXX XXXXXXXX XXXX soon after within the same month there lender by the name of pronto finance accuse me of being behind on my first payment which struck me as being odd as I specifically explain to them to spread the amount payments over the next few months to relieve me of having payments for those next few months. Over time I was making payments, but ended up falling behind a month and a half on my payments do to a job change at which time pronto finance had already started a repossession claim for the vehicle without allowing me to make payments or partial payments to get caught back up and on track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CT

Complaint narrative:
Date : XX/XX/year> TOYOTA MTR Credit Dispute Research Team XXXX, TX XXXX ( XXXX ) XXXX Subject : Demand for Investigation and Immediate Removal of Inaccurate and Illegally Reported Repossession To Whom It May Concern, I am writing to formally dispute the reporting of a repossessed vehicle on my credit reports with XXXX XXXX XXXX XXXXx, and to demand the immediate removal of this entry due to multiple violations of both state and federal law, including the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

The repossession of my vehicle on XX/XX/year>, was conducted without prior issuance of a Notice of Default or Right to Cure, as required by Connecticut state consumer protection statutes. This failure deprived me of my legal right to remedy any alleged default before repossession. 

Following the repossession, I was never provided with a Notice of Sale or Deficiency Balance Notice as required under UCC 9-611 and 9-614. These notices are essential, as they inform the debtor of their right to redeem the vehicle and provide transparency regarding any alleged balance owed after sale. Without these notices, any deficiency claim is legally unenforceable. 

Additionally, the account is currently being reported to the credit bureaus with inaccurate and unverifiable information, in direct violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). The reporting party has failed to provide documentation to support the accuracy of this negative entry and has not conducted a reasonable investigation as required by law. 

I am demanding : 1. A full and immediate investigation into this matter, including the production of all legally required notices and documents.

2. The immediate deletion of this account from all consumer reporting agencies due to unlawful repossession procedures and inaccurate reporting.

3. Written confirmation that this account has been removed, and no further negative reporting will occur.

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Connecticut Attorney Generals office. I reserve the right to pursue statutory damages, actual damages, and attorneys fees to the full extent allowed by law. 

Please consider this a formal dispute and request under the FCRA. I expect a written response within 30 days, as required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Kikoff Inc.
State: FL

Complaint narrative:
I have 7 reports under my name but I never sign or have any of those debts ; I'm talking about the credit card debts and an Suncoast auto loan which by the way I NEVER FINANCED A VEHICLE WITH THEM AND 2 DAYS AGO IT SHOWS UP WHEN I WAS TRYING TO GET AN APPROVAL ON A DEALERSHIP HERE IN XXXX, FLORIDA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-27 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINANCIAL Account number XXXX ALLY FINANCIAL Account number XXXX First, contacted ALLY the businesses where the fraudulent accounts were opened to report the identity theft and request account closure. The accounts are still reporting on my credit report. Finally, I reported the identity theft to the Federal Trade Commission ( FTC ) and I am considering filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Reinsertion of Deleted Information\n\nDear Experian ,\n\nI am writing to formally dispute the reinsertion of an account that I believe was previously deleted from my credit report. According to the Fair Credit Reporting Act (FCRA) 611(a)(5)(B), if any information is reinserted in a consumer report that has been deleted pursuant to a dispute, the consumer reporting agency must notify the consumer of the reinsertion within a reasonable period of time, not to exceed five business days after the reinsertion.\n\nDetails of the Account:XXXX XXXX XXXX XXXX XXXX Account Number: XXXX Date of Previous Deletion: XXXX  Date of Reinsertion:  XXXXI did not receive any written notice regarding the reinsertion of this account, as required by the FCRA. This lack of notice has prevented me from adequately addressing any issues related to this account.\n\nAs such, I request that you investigate this matter and remove the reinserted account from my credit report. Please provide me with the results of your investigation and a copy of my updated credit report.\n\nEnclosed are copies of my identification and any relevant documentation to support my dispute. \n\nThank you for your prompt attention to this matter. I look forward to your response within the 30-day investigation period required by the FCRA.\n\nSincerely,'

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 2025-07-27 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: SC

Complaint narrative:
I am requesting immediate validation and removal of this account from my credit report. XXXX has failed to provide original loan documentation bearing my signature to substantiate the validity of the debt. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any account that appears on my credit report. If the creditor can not provide sufficient evidence including a copy of the original signed loan agreement the information must be removed. 

I am requesting that XXXX  : 1. Conduct a thorough reinvestigation of this account, as required under FCRA 611.

2. Request all relevant documentation from XXXX, including a signed promissory note or original loan application. 


3. Remove the account immediately if the information can not be verified or substantiated within 30 days.

Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the investigation is complete.

YOU Legally have the Obligation to Protect My Constitutional Rights, Which you are Not Currently doing.

While the FCRA itself is a statutory framework, violations could implicate constitutional protections, particularly under the Fifth and Fourteenth Amendments, which guarantee due process, and potentially the Fourth Amendment, concerning privacy The FCRA ( 15 U.S.C. 1681 et seq. ) regulates how CRAs ( e.g., Equifax, XXXX XXXX ) and furnishers ( e.g., XXXX ) handle consumer credit information. Key protections include : Accuracy : CRAs must follow reasonable procedures to ensure the accuracy of reported information.nolo.com Dispute Rights : Consumers can dispute inaccurate or incomplete information, and CRAs and furnishers must investigate within 30 days ( or 45 in some cases ). Failure to correct errors is a violation.consumerlawfirm.comnolo.com Permissible Purpose : Credit reports can only be accessed for specific purposes, such as loan applications, with consumer consent or a court order.XXXX  Adverse Action Notices : If a lender denies credit based on a report, they must provide a written explanation.equifax.com Time Limits : Most negative information, including private student loan defaults, must be removed after seven years, though federal student loans may remain longer under the Higher Education Act ( HEA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
I am requesting immediate validation and removal of this account from my credit report. XXXX has failed to provide original loan documentation bearing my signature to substantiate the validity of the debt. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any account that appears on my credit report. If the creditor can not provide sufficient evidence including a copy of the original signed loan agreement the information must be removed. 

I am requesting that Experian : 1. Conduct a thorough reinvestigation of this account, as required under FCRA 611.

2. Request all relevant documentation from XXXX, including a signed promissory note or original loan application. 


3. Remove the account immediately if the information can not be verified or substantiated within 30 days. 



Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the investigation is complete. 

YOU Legally have the Obligation to Protect My Constitutional Rights, Which you are Not Currently doing. 
While the FCRA itself is a statutory framework, violations could implicate constitutional protections, particularly under the Fifth and Fourteenth Amendments, which guarantee due process, and potentially the Fourth Amendment, concerning privacy The FCRA ( 15 U.S.C. 1681 et seq. ) regulates how CRAs ( e.g., XXXX, Experian, XXXX  ) and furnishers ( e.g., XXXX ) handle consumer credit information. Key protections include : Accuracy : CRAs must follow reasonable procedures to ensure the accuracy of reported information.nolo.com Dispute Rights : Consumers can dispute inaccurate or incomplete information, and CRAs and furnishers must investigate within 30 days ( or 45 in some cases ). Failure to correct errors is a XXXX Permissible Purpose : Credit reports can only be accessed for specific purposes, such as loan applications, with consumer consent or a court XXXX Adverse Action Notices : If a lender denies credit based on a report, they must provide a written explanationXXXX Time Limits : Most negative information, including private student loan defaults, must be removed after seven years, though federal student loans may remain longer under the Higher Education Act ( HEA

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 2025-07-27 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: SC

Complaint narrative:
I am requesting immediate validation and removal of this account from my credit report. XXXX has failed to provide original loan documentation bearing my signature to substantiate the validity of the debt. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any account that appears on my credit report. If the creditor can not provide sufficient evidence including a copy of the original signed loan agreement the information must be removed. 

I am requesting that XXXX  : 1. Conduct a thorough reinvestigation of this account, as required under FCRA 611.

2. Request all relevant documentation from XXXX, including a signed promissory note or original loan application. 


3. Remove the account immediately if the information can not be verified or substantiated within 30 days. 



Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the investigation is complete. 

YOU Legally have the Obligation to Protect My Constitutional Rights, Which you are Not Currently doing. 
While the FCRA itself is a statutory framework, violations could implicate constitutional protections, particularly under the Fifth and Fourteenth Amendments, which guarantee due process, and potentially the Fourth Amendment, concerning privacy The FCRA ( 15 U.S.C. 1681 et seq. ) regulates how CRAs ( e.g., XXXX, XXXX, TransUnion ) and furnishers ( e.g., XXXX ) handle consumer credit information. Key protections include : Accuracy : CRAs must follow reasonable procedures to ensure the accuracy of reported information.XXXX Dispute Rights : Consumers can dispute inaccurate or incomplete information, and CRAs and furnishers must investigate within 30 days ( or 45 in some cases ). Failure to correct errors is a violation.XXXX Permissible Purpose : Credit reports can only be accessed for specific purposes, such as loan applications, with consumer consent or a court orderXXXX Adverse Action Notices : If a lender denies credit based on a report, they must provide a written explanationXXXX Time Limits : Most negative information, including private student loan defaults, must be removed after seven years, though federal student loans may remain longer under the Higher Education Act ( HEA

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 2025-07-27 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: The CBE Group, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # CBE GROUP ACCT # XXXX amount {$480.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Account name TDRCSXXXXXXXX XXXX XXXX Account number XXXX Account type Charge Card Responsibility this account as opened under false pretense, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
creditors from Milestone Mastercard has call numerous times a day from multiple numbers trying to collect a dept. Under the Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt collection Rule : Debt collectors are prohibited from placing repeated or continuous telephone calls with the intent to harass, upset, or abuse a person.

I have had multiple phone conversations and emails made to me asking for a dept that is inaccurate over seven times in a day violating the 7-in-7 rule also using a name that wasn't listed on the original account.

Company response to consumer: Closed with explanation