vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Complaint Against Toyota Financial Services Toyota Financial is inaccurately furnishing information on my auto loan across all three credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) a

nd Metro 2 reporting standards. Violations Identified : The account is reported as open/active on XXXX XXXX XXXX  even though it was closed and charged-off years ago. 
On XXXX, the same account is reported as closed, creating direct conflicts and inconsistencies across the bureaus.

Toyota Financial continues to report new late payments and derogatory activity into XXXX, even though the account was closed years earlier. This is clear evidence of re-aging, which is prohibited under the FCRA. 
Reporting open/active status while also showing charge-off and delinquency codes violates Metro 2 Account Status fields. An account can not simultaneously be open and charged-off.

Despite multiple disputes, the account has been verified without correction, violating Toyota Financials duty to reasonably investigate under FCRA 623 ( b ).

Relevant e-OSCAR Dispute Codes : XXXX  Account status incorrect XXXX  Payment history profile incorrect XXXX  Account paid/closed, status disputed XXXX  Inaccurate reporting after charge-off/closure XXXX  Improper reporting/re-aging of delinquency XXXX  Improper balance/status coding Harm Caused : The false reporting has lowered my credit scores, prevented accurate evaluation of my credit history, and created confusion due to conflicting status across bureaus.

Requested Resolution : I am requesting the p
ermanent deletion of this Toyota Financial account from all three credit bureaus due to repeated FCRA and Metro 2 violations, re-aging, and failure to properly investigate. If not deleted, the account must be corrected immediately to reflect closed/paid/settled with no ongoing late notations and uniform reporting across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: PA

Complaint narrative:
I see that incorrect accounts are still appearing on my credit report and have not been removed. I request that the attached documents be carefully examined so that I no longer have to worry about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: PA

Complaint narrative:
I am filing this complaint against XXXX/Equifax/XXXX  for failing to properly investigate a charged-off account listed on my credit report. 
Account Information : XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX Status being reported : Charged-Off Issue : I disputed this account with the bureau in writing under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and requested verification. The bureau responded with verified as accurate but failed to provide the method of verification or any supporting documentation as required by law ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Additionally, the account is being reported as a charge-off. By IRS definition, a charged-off debt requires a Form 1099-C Cancellation of Debt to be issued to the consumer. I have never received a 1099-C, and no such document has been provided to me. This means either : The account was not actually charged off ( making the reporting inaccurate ), or It was charged off but the furnisher failed to comply with IRS and FCRA requirements.

Either scenario means the reporting is inaccurate and unverifiable, in direct violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and FCRA 611 [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
This complaint is being filed as a follow-up to my prior disputes regarding the inaccurate reporting of an account on my credit file. I am again formally requesting a reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as the information being reported remains inaccurate and/or incomplete. These errors continue to misrepresent my credit history and negatively impact my financial standing. Despite my previous requests, the account has not been properly verified or corrected, which indicates that the credit reporting agency has not fulfilled its legal obligations to ensure maximum possible accuracy. I respectfully request that the CFPB ensure a full reinvestigation is conducted, that proper verification from the furnisher is obtained, and that the account is updated or corrected in compliance with the law. Kindly refer to the documents I have attached to facilitate the process of correct the Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$250000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$40000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
This complaint is being filed as a follow-up to my prior disputes regarding the inaccurate reporting of an account on my credit file. I am again formally requesting a reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as the information being reported remains inaccurate and/or incomplete. These errors continue to misrepresent my credit history and negatively impact my financial standing. Despite my previous requests, the account has not been properly verified or corrected, which indicates that the credit reporting agency has not fulfilled its legal obligations to ensure maximum possible accuracy. I respectfully request that the CFPB ensure a full reinvestigation is conducted, that proper verification from the furnisher is obtained, and that the account is updated or corrected in compliance with the law. Kindly refer to the documents I have attached to facilitate the process of correct the Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$250000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$40000.00}.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX XXXX [ XX/XX/year> ] Midland Credit Management , XXXX  . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Account No. [ Insert Account Number ] To Whom It May Concern, I am formally requesting that Midland Credit Management , Inc. immediately cease and desist all communication with me regarding the alleged debt referenced above. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop contacting me about this matter. This includes phone calls, letters, emails, text messages, or any other form of communication. 

If you believe I owe this debt and intend to pursue it, you may only communicate with me through a formal lawsuit filed in a court of law. Any other attempt to contact me outside of that will be considered a violation of federal law, and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and/or pursue legal remedies. 

Please confirm in writing that you have received this letter and that you will comply with my request. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
The inaccurate accounts continue to appear on my credit report, even though they should have been removed. For this reason, I am asking that the supporting documents Ive provided be examined thoroughly so I can finally put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. A fraudulent Bank of America Auto Loan account was opened in my name around XX/XX/year>, in the approximate amount of {$110000.00}. I did not authorize or open this account. 

I filed an FTC Identity Theft Report ( # XXXX ) and provided Bank of America and the credit bureaus with copies of that report, my government-issued ID, and proof of address. Under FCRA 609 ( e ), I also requested that Bank of America provide me with copies of all records related to the fraudulent account, including applications, contracts, and transaction logs. To date, they have not provided these records. 

Despite my disputes and the credit bureaus deleting this account from my file, Bank of America continues to re-report the same fraudulent account each time it is removed. This repeated re-furnishing violates FCRA 623 ( a ) ( 6 ), which prohibits furnishers from continuing to report information after being notified it is the result of identity theft. It also violates FCRA 605B, which bars re-insertion of information that has been blocked as fraudulent. 

Bank of Americas continued reporting of this fraudulent account has caused repeated harm to my credit profile. I am seeking enforcement to ensure that Bank of America : 1. Permanently ceases all reporting of this fraudulent auto loan account.

2. Provides me with all records of the impostors activity as required by 609 ( e ).

3. Confirms in writing that the account has been deleted and will not be re-reported. 

Bank of America repeatedly states after its investigation that this auto loan belongs to me. This is impossible. I have never applied for, authorized, or used this account. I have provided an FTC Identity Theft Report and all supporting documents. By continuing to verify and re-report this account, Bank of America is violating FCRA 623 ( a ) ( 6 ) and 605B.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXXXXXX AND XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash App account has been locked since XX/XX/year>2025. Despite contacting Cash App support multiple times through their in-app chat, I continue to receive scripted replies with no explanation of why my account was locked and no timeline for resolution. 
My account was locked on XX/XX/year>2025, without warning. 
Cash App repeatedly told me to wait for an email, but no email has ever arrived. 
I have checked all inboxes, including spam and junk folders. 
When I asked for escalation, I was told my case was with a specialty team, but no one has provided a concrete update, resolution, or explanation. 
It has now been 6 days without access to my account or funds. 
Cash App is withholding access to my account and funds without explanation or resolution. Their support team closes chats without providing real assistance and refuses to provide a timeline. This has caused financial hardship and XXXX. 
Cash App needs to improve communication with customers. They dont allow speaking with a manager or someone in higher authority, which makes it impossible to get issues resolved properly.

I want clear, direct communication not automated scripts so customers can actually understand whats happening and get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
They dont want to give me my money an I did not authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has continued with its sham investigations of first deleting the accounts and then reinserting them. CFPB please take note of this recurring violations.

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 2025-08-29 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: OH

Complaint narrative:
Inaccurate accounts are still appearing on my credit report and have not been corrected. I ask that you examine the attached documents thoroughly to prevent this problem from recurring.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
Complaint to CFPB Dispute Over Invalid Appraisal Fee Charge ( Discover Card ) Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a charge on my Discover card related to a home appraisal fee. Although the transaction was technically completed as an appraisal service, the appraisal company itself confirmed in writing that the seller canceled the home sale before completion. 

The appraisal was ordered solely for the purpose of finalizing the home purchase. Since the seller backed out, the service did not achieve its intended purpose. This situation clearly falls under a service not rendered as intended case. Despite providing Discover with the appraisal companys email confirming that the seller canceled, Discover concluded that the charge was valid and denied my dispute. 

Additionally, I have not received a copy of Discovers official decision letter regarding this dispute, which limits my ability to fully understand the reasoning behind their denial. 

I respectfully request CFPBs assistance in reviewing this matter. I believe that charging me for an appraisal tied to a home purchase that never occurred is unfair and inconsistent with consumer protection standards. I have already submitted documentation, including written confirmation from the appraisal company, to Discover. 

Thank you for your attention to this matter and for ensuring that consumer rights are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I pulled my credit report from all three credit bureaus, and there is no information showing my mortgage loan from Wells Fargo.

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