vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit file. The company XXXX XXXX is reporting a collection account with a balance of {$13000.00}, listed as negative on my credit report. 

I previously disputed this account directly with XXXX and requested verification under the Fair Credit Reporting Act ( FCRA ). However, the furnisher failed to provide sufficient documentation proving the accuracy and ownership of this debt. Despite the lack of verification, the account continues to be reported as valid. 

I have not received copies of any signed agreements, contracts, or proof that this debt is mine, nor have I been shown how this debt was verified. This is a violation of my rights under the FCRA, which requires credit reporting agencies to report only accurate and verifiable information. 

I am requesting that the CFPB review this issue and ensure that XXXX and XXXX XXXX conduct a complete investigation. If the furnisher can not provide verified proof of the accounts validity, I am asking that this item be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: AR

Complaint narrative:
Dear, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to formally dispute and demand the immediate removal of a collections account that your agency has reported to the credit reporting agencies under my name for XXXX. This account was added to my Equifax credit report on XX/XX/year> without any prior notification, verification, or validation of the alleged debt, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

To date, I have never received any written notice from your agency providing validation of this debt, nor was I given the opportunity to dispute it within the 30-day window as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Reporting a debt to the credit bureaus without first providing proper notice and validation is not only unethicalit is illegal.

By failing to : 1. Notify me of the debt before reporting it, 2. Validate the debt upon request, and 3. Allow me to dispute the alleged claim, your agency is in violation of both the FCRA and FDCPA. These actions have caused material harm to my credit score and financial standing, resulting in denied applications and emotional distress.

Accordingly, I am demanding : 1. The immediate deletion of the collection account from all credit reporting agencies ( EQUIFAX ) 2. Written confirmation from your agency that the account has been removed and will not be re-reported. 
If this account is not removed within 10 business days of receipt of this letter, I will proceed to file a claim in Small Claims Court for damages resulting from the unauthorized and unlawful reporting of this account. I will also report this violation to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
This letter serves as formal notice of my intent to pursue all legal remedies available to me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
This correspondence serves as a formal dispute regarding the following inaccurate, incomplete, or inconsistent data appearing on my Equifax consumer report. 
Accounts in Dispute XXXX. XXXX XXXX XXXX XXXX Shows Refinanced and Placed for Collection. 
XXXX. XXXX XXXX XXXX XXXX Contradictory XXXX late counts and payment dates. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent account closure notation. 
XXXX. XXXX XXXX XXXX XXXX equals charged-off amount ; impossible date sequencing. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX code during active dispute. 
XXXX. XXXX XXXX XXXX Reports negative while other XXXX show positive ; violates 607 ( b ).

Violations FCRA 607 ( b ) Accuracy and completeness failure.

FCRA 611 ( a ) ( 1 ) ( A ) Lack of reasonable reinvestigation. 
XXXX XXXX XXXX Furnisher duty to update and correct. 
XXXX XXXX XXXX Requires independent validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
15 USC 1681 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2025-10-15 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: CBC Companies, Inc.
State: MI

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 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Transform Credit Inc.
State: FL

Complaint narrative:
A company by the name of TRANSFORM CREDIT withdrew money from my account. This company has knowledge of my account information and routing number. I was informed of this transaction by my credit union. I am a member of the XXXX XXXX XXXX XXXX. This company TRANSFORM CREDIT i have no knowledge of and I have not taken a loan out at all within the last XXXX months because of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Sage LLC
State: AL

Complaint narrative:
So I called what I thought was the debt holder to pay off the last portion of my debt which was like XXXX $ $ told them I wanted to pay it in full. They mislead me and made me believe they were the company and would pay my debt off and get the negative mark off my credit report. I was told I would get it taken care of for XXXX $ so I was happy to get a discount for paying it off early. I couldnt find my card and had trouble finding it and while I was trying to find it and told him I couldnt focus he was talking and I didnt understand all of it. Then I got a bill from the real company and this company credit sage tried to bill me another XXXX $ on my card. I called them and talked to several managers and employees they said they reviewed it and that it was too bad they had sent out some letters on my behalf which I never asked for. Then when I asked to see those letter they wouldnt show me them and wouldnt refund me anything I was taken advantage of. Im not the first person upon doing very little research online they have a history of misleading people to think theyre the debt collocation people and taking their money and then not doing anything and then not giving them their money back. Theyre a horrible company and Im low income and XXXX so that money is a lot to me. Theyre name of the account manager is XXXX and the company is Credit Sage I was taken advantage of on XX/XX/XXXX and found out when I was charged for my fill today on XXXX the XXXX from the real debt collocation company. Any help you can give me would be appreciated and I just dont want anyone else to suffer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
My credit report is showing late payment statuses that are inaccurate and not a true reflection of my payment history. I have made my payments on time as agreed, yet the bureaus and furnishers continue to report these accounts incorrectly. This reporting is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies and furnishers to ensure maximum possible accuracy ( 607 ( b ) ) and to conduct proper reinvestigations of disputed items ( 611 ). These errors are unfairly lowering my credit standing and impacting my ability to qualify for credit on fair terms.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Subject : Misapplied Payments, Reversals, and Incorrect Loan Balance What happened : I am filing this complaint regarding serious payment and balance errors on my auto loan account with Mazda Financial Services ( operated by Toyota Motor Credit Corporation ). 

In XXXX XXXX, my account showed a remaining balance of around {$6000.00} and a credit balance of about {$4000.00}, which matched what I had paid since my account had a credit balance of over XXXX that I wanted applied to my principal.So haven around XXXX deducted from both credit balance and remaining balance made sense. After that, I noticed multiple reversals on my account, and ever since then, my balance has been completely inconsistent. 

Now my account shows a remaining balance around XXXX XXXXXXXX and a credit balance of about {$4000.00}, which does not make sense because my payoff balance actually increased even though I made overpayments overtime.I believe that multiple reversals were made but not reapplied to my remaining balance on my account. 

Over this past weekend, I logged in ( XX/XX/year> ) and the system suddenly showed that I owed over {$10000.00}, with no credit balance showing at all. That is completely incorrect and makes me believe something is seriously wrong with Mazda Financials accounting system or how payments are being applied. 

I have spoken with multiple representatives by phone, the system still reflects no changes to my account, I need them to tell me where my XXXX XXXXXXXX in overpayments actually went and my my pay off is still that high? Every time I log in, the payoff amount and credit balance show different numbers. 

This situation is unacceptable and extremely stressful. Because of these unexplained reversals, I believe XXXX XXXX system has misapplied my payments and possibly damaged my account records, which could affect my credit reporting. This vehicle should already be close to payoff with a pay off under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am a verified victim of identity theft and have filed FTC Identity Theft Report Nos. XXXX and XXXX. The FTC reports and my attached ID confirm that several fraudulent accounts were opened in my name and reported by Equifax. These include : XXXX XXXX Account XXXX. XXXX ( fraudulent auto loan/charge-off ) XXXX XXXX Account XXXX. XXXX ( fraudulent cellular account/collection ) XXXX XXXX XXXX XXXX Account No. XXXX ( fraudulent auto loan ) XXXX XXXX XXXX  Account ending XXXX ( fraudulent credit card ) XXXX XXXX XXXX fraudulent tradeline XXXX XXXX fraudulent tradeline Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block information resulting from identity theft within four ( 4 ) business days after receiving a valid identity theft report. I have attached my FTC Identity Theft Reports, my government-issued ID, proof of address, and screenshots of my Equifax credit report showing these tradelines. 

I am requesting Equifax to block and permanently delete these fraudulent accounts under 605B. If Equifax claims any of these accounts were verified, I request disclosure of the primary-source documentation used for verification under 611 and 623 ( b ).

These fraudulent accounts are harming my credit and violating my rights under the Fair Credit Reporting Act. Please confirm deletion and provide a corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The company doesnt allow me to refinance or to find a new loan bank to refinance the company. The practice is unlawful, and the contract has hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-15 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: DE

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
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  {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation