vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
" This is a formal complaint against TOYOTA MOTOR CREDIT CORPORATION for their willful and/or negligent violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and 1681i. The company is furnishing inaccurate and harmful payment information regarding my auto loan account and has failed to fulfill its legal obligations following notice of dispute. 

The account in question ( Account XXXX. XXXX ) is an open auto loan that was opened on XX/XX/year>, with a current balance of {$20000.00}. XXXX XXXX XXXX is furnishing this account to XXXX XXXX XXXX XXXX  showing multiple late payments, reportedly up to 60 days past due. I dispute the accuracy of these delinquencies, and have submitted formal disputes to each of the credit reporting agencies, triggering TOYOTA MOTOR CREDITs duty under 1681s-2 ( b ) to conduct a reasonable investigation and provide proper verification.

To date, TOYOTA MOTOR CREDIT has failed to correct the inaccurate reporting, nor have they provided any supporting documentation or certified results of an investigation to substantiate the claimed delinquencies. This failure violates FCRA 1681s-2 ( b ) ( 1 ) ( D ), which mandates correction or deletion of any data that can not be verified. Additionally, the reporting of materially misleading payment history without documentation reflects a lack of adherence to the requirement for maximum possible accuracy under 1681e ( b ), further harming my credit standing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Rebuttal to Spring Oaks Capital LLCs Response Consumer : XXXX XXXX CFPB Case # : [ Insert Case Number ] Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I am submitting this rebuttal because the companys response is inadequate and fails to resolve or address the specific legal violations I raised. Their response appears to be a generic template rather than a serious effort to respond to my complaint. Below are the issues they failed to address : XXXX. Contradictory and Misleading Credit Reporting ( FCRA Violation ) Spring Oaks is reporting this account as both paid off and past due with a {$0.00} balance and 0 % owed, while simultaneously maintaining an active collection status. This is internally inconsistent and misleading, in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ). Their response ignored this contradiction entirely. 

2. Improper Re-Aging of Account Spring Oaks admits to reporting XX/XX/XXXX as the " open date '' of the account. This does not reflect the true origin of the debt ( XX/XX/XXXX ) or its Date of First Delinquency ( DOFD ), which governs credit reporting timelines under FCRA. While they claim they report the DOFD separately, this is not confirmed, and they failed to demonstrate where it appears accurately on my credit reports. Using a newer open date falsely extends the life of this derogatory tradeline and may constitute unlawful re-aging.

3. Lack of Proper Debt Validation ( FDCPA 809 ) The response included no signed contract, no monthly billing history, and no itemized breakdown of the debt to explain the total balance owed. Generic account summaries and a vague assignment letter do not satisfy debt validation under the FDCPA. I never received proper documentation demonstrating their legal right to collect this debt or how the amount was calculated.

4. State Law Violations Unlicensed Collection in Louisiana Spring Oaks failed to provide any license number or proof of legal authorization to collect debt in Louisiana, where I reside. According to the Louisiana Office of Financial Institutions ( OFI ), they are not licensed to collect in this state. Operating in Louisiana without a license is unlawful. 

XXXX. Potential Usury Violations ( XXXX XXXX XXXX XXXX XXXX. ) The company failed to address or explain whether the interest and fees accrued on this account were legal under Louisianas consumer credit laws, particularly since the collecting party is not a bank and can not claim the same federal rate exportation protections as the original creditor XXXX XXXX XXXX XXXX XXXX XXXX. The balance continues to increase without any legal justification or breakdown of principal vs. interest/fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
RE : Follow-up to CFPB Complaint XXXX XXXXXXXX Experian Refusal to Honor FCRA 605B Identity Theft Block I am submitting this second complaint because Experian has failed to honor my legal rights under the Fair Credit Reporting Act 605B, despite receiving all required documentation. 

In my original complaint ( XXXX XXXXXXXX ), I provided : A police report from the XXXX XXXX XXXX XXXX XXXX Report XXXX XXXX XXXX XXXX XXXXXXXX ), A Federal Trade Commission Identity Theft Affidavit , and A list of fraudulent accounts and inquiries.

Experian responded by falsely claiming that my block request was potentially in error or a material misrepresentation, and stated they could not process it without identity verification. I have now resubmitted the following documents through Experians secure upload portal ( www.experian.com/upload ) : Government-issued ID Proof of current address ( utility bill/bank statement ) Experian is now legally obligated to permanently block the fraudulent accounts and inquiries per FCRA 605B. I again request that the following items be blocked from my Experian credit report and not merely investigated : XXXXXXXX XXXX  account ending in XXXX XXXX XXXX Bank account ending in XXXX Any related inquiries and fraudulent addresses not associated with legitimate accounts These items were opened without my knowledge or authorization. I have fully complied with the law, and Experians response appears to be a deliberate obstruction of my consumer rights. If these items are not blocked promptly, I intend to escalate this further to the appropriate consumer protection and legal agencies.

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 2025-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Terrible experience transferring out remaining amounts and closing account! On XX/XX/year>, I logged in around XXXX and tried to transfer out the remaining balance of ~ {$28.00} in my high yield savings account to my checking account at another bank. It was not even a large sum. I wanted to consolidated my bank accounts and had no longer used Marcus as it didn't have a physical location. For the first time, I see an error and couldn't transfer over the money and the error had told me to call. I panicked about the safety of my money and decided to close the account. After closing the account, the error showed that they couldn't transfer the remaining balance to my checking at the other bank. I did not even receive a email that my savings account has been closed. The error showed that I had to call their customer service number so I gave them a call. After confirming my various personal details to verify that I'm the account holder, the monitored line customer rep. transferred me to the survey. I don't even know where my money is now. There's no indication that it will be mailed to me like other banks do when I close my account. This is so scary to bank with Marcus. I had thought trusting Goldman Sachs would be reliable but even for ~ {$28.00}, they are stealing it from us customers that bank with them for so many years. I have been banking with them for XXXX years now. Give me my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX- this store location - and even prior I have been trying to ask why my APR is higher than my prior loan taken out ; I have been doing business with them since XXXX. The manager and I did exchange some heated words - but she had my car towed for a {$200.00} payment which I had requested to pay on my next paydate - trusting them - instead she said there was nothing she could do- she tried- but it cost me {$1000.00} and that was not fair - but it's business. I was very angry - and I will apologize - after not receiving a call back to answer questions about the latest new loan - she will not respond so I went to the XXXX XXXX XXXX team and asked the XXXX XXXX be contacted - XXXX called- but only told me to go into the store so they could fix the interest rate- which did not help as they claimed he had not stated that would be the resolution. So I just want to get away from these predatory lenders - it's my fault for going- and I am an XXXX XXXX XXXX- not active duty- so the XXXX class lawsuit didn't affect me- just assumed you had to be active duty. I will never do business with this company again. Attaching documents and background- please contact me ASAP. I am struggling just need some assistance. My health and husband 's Stage XXXX XXXX about to start dialysis- appreciate it and look forward to a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX XXXX I am submitting this formal complaint regarding multiple unauthorized hard inquiries that appear on my credit reports, which I did not initiate or authorize. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) and 1681i. 

The following inquiries are fraudulent and must be removed immediately : XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 
( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX + XXXX XXXX Transunion XXXX equifax and Experian I have never applied for credit, goods, or services with these entities and did not authorize any such access to my credit file. Under FCRA 1681b, a hard inquiry requires my express written consent, which I did not provide. 

I have already contacted the credit bureaus, and now I am escalating this issue through the CFPB to demand proper resolution. I am requesting the following : 1. Immediate removal of all unauthorized inquiries from my credit reports with TransUnion, Equifax, and Experian.

2. A detailed investigation report showing what verification process ( if any ) was conducted with my written consent documentation.

3. Confirmation that these inquiries will no longer impact my credit score or reports.

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to verify disputed information within 30 days or delete it if unverifiable.

Please treat this as a formal complaint and take immediate action. I am attaching a copy of my ID, proof of address, and a copy of my credit report highlighting the fraudulent inquiries. 

Sincerely, 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 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX, I opened a Synchrony credit card through XXXX XXXX to take advantage of a no interest for 24 months financing promotion advertised in-store. If you go to XXXX website right now, their promotions are all about NO INTEREST FOR 60 months not DEFERRED INTEREST. I was never told that this promotion involved deferred interest, nor was it explained that failing to pay the entire balance by the promotions expiration date in XX/XX/XXXX would trigger retroactive interest at a penalty APR of 39.99 %. 

Synchrony only have electric billing and I was forced to enroll in paperless billing instead and the deferred interest terms were buried in monthly statements at the end of the letter. I made consistent monthly payments and had only around {$2000.00} remaining of my original ~ {$6800.00} purchase when the promotion expired. Then I was hit with a {$3700.00} interest charge, retroactive to the original purchase date. 

This structure was not clearly disclosed at the time of sale. The sales staff and XXXX promotional materials suggested a true no interest plan and only 39.99 % APR when promotion expires. Nowhere did it explain that failing to pay the full amount would result in nearly 40 % APR interest on the original balance. This was misleading and I believe it is deceptive and predatory. 

Synchrony has refused to waive or reduce the charge, saying the terms were in the monthly statements, despite the lack of any clear warning or notice. I am requesting that the {$3700.00} in deferred interest be waived or significantly reduced due to lack of proper disclosure, misleading advertising, and unfair lending practices. 

This practice is not only deceptive, but it is predatory. It violates the reasonable expectations of a consumer engaging in a no-interest promotional financing offer. If this high retroactive interest structure had been explained clearly and transparently, I would never have agreed to the loan. 

This situation feels like an intentional setup designed to mislead consumers. A penalty APR of nearly 40 % imposed retroactively for two years is excessive, unjustified, and was not clearly disclosed.

This setup is designed to set people up for failure by using confusing terms like no interest instead of clearly saying deferred interest with penalty APR. Not requiring the seller ( XXXX ) to explain the financial risk at the point of sale and enrolling customers in paperless billing, making it harder to track the promotion.

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 monetary relief
Consumer complaint received 2025-06-27 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: TX

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern, I recently reported fraudulent accounts in my report. Another one rose that I am not liable for. Please remove thr inquiry for XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXXXXXX XXXX XXXX ( XX/XX/year> )

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I keep disputing information on my credit report to Experian, with supporting evidence, against several companies due to innacurate information being reported on my credit report. However, Experian does not remove the negative remarks from my report. Nor is Experian sending me information to prove that they investigated my account with documented feedback. The companies that keep disputing are : The collection services company known as XXXX XXXX XXXX. XXXX XXXX XXXX regarding my XXXX seperate credit card accounts, and the XXXX XXXX XXXX XXXX for my auto loan. Each of these accounts should be reporting as paid as agreed, never late, and always on time. I have been disputing these accounts for approximately XXXX years. Yet, I am being met with death ears. Please help me, especially since I am protected under the Americans with Disabilities Act, FDCA, and Fair Credit Reporting Act as it relates to unfair and reasonable credit reporting.

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 2025-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding Credit Karmas failure to maintain accurate and consistent credit reporting data, which has negatively impacted my credit file and score. 

On [ XX/XX/year> ], I accessed my Credit Karma report and discovered the following issues : 1. Inaccurate or outdated personal information ( e.g., wrong addresses or aliases ) 2. Erroneous data from a third-party bureau ( XX/XX/XXXX that remains unresolved XXXX. Unauthorized or unverified hard inquiries appearing through Credit Karmas displayed data, including : Credit KarmaXX/XX/XXXXXX/XX/year> [ List others if known ] I attempted to resolve these issues through the platforms dispute tools and alerts, but was either redirected or given no results. The burden should not be entirely on the consumer to chase resolution when Credit Karma plays a role in how this data is viewed and interpreted. 

I request that Credit Karma provide clarity, remove any unverifiable data on their platform, and coordinate with XX/XX/XXXXto prevent further display of misleading or inaccurate credit details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by XXXX Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief