vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I originally leased a XXXX XXXX XXXX in XXXX and made all my payments for nearly XXXX  years. At the end of the lease, I decided to buy the vehicle. On XX/XX/XXXX, I signed a Retail Installment Sale Contract through AN XXXX XXXX to finance the remaining balance of the vehicle. 

Toyota Motor Credit Corporation ( TFS ) approved the loan for {$36000.00} at an interest rate of 10.82 %, with {$700.00} monthly payments for 72 months. This amount includes over {$6000.00} in " optional '' products ( Toyota Extra Care, Appearance Protection, GAP ) that were added without clear explanation or my informed consent.

I have requested multiple times that Toyota Financial Services explain : How the previous lease payments from XXXX to XXXX were applied to the vehicle purchase. 

Why the final financed amount did not reflect any credit for what I had already paid. 

How these optional products were added and why they could not be canceled or excluded. 

In every response, Toyota ignores the XXXX lease agreement and focuses only on the XXXX loan contract, as if it were a brand-new purchase which it is not. This creates the impression that none of my lease payments were taken into account. Additionally, Toyota has denied my request for loan restructuring despite my current financial hardship. 

I believe this constitutes a deceptive and abusive lending practice. I have already filed a complaint with the California XXXX, but they closed the case, saying they could not assist further. I am now asking the CFPB to review this matter and require Toyota to provide a full accounting and explanation of how the final loan amount was calculated, and whether proper disclosures and consumer protections were followed during this lease buyout transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several charge-off accounts listed on my Experian credit report, which are inaccurate, incomplete, and potentially unverifiable. These accounts are negatively impacting my credit profile, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2.

The following accounts are in dispute : XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX Account ending in XXXX Balance XXXX XXXX XXXX XXXX XXXX Account ending in XXXX  Status : Charged off, {$20000.00} written off Under the FCRA, I am requesting the following : Verification of each account, including complete documentation from the original creditor, showing ownership and itemization of the debt.

If verification can not be completed within 30 days, these accounts must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

A statement of the method used to verify the accuracy of these accounts, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Account XXXX XXXX XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX I am reporting a fraudulent account and fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Account XXXX XXXX XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX I am reporting a fraudulent account and fraudulent inquiries found in my credit 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 non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
on XX/XX/year> i was reviewing my consumer report on XXXX XXXX and i noticed open accounts on my consumer report that i did not authorize

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 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number XXXX Hard inquiries XXXX XXXX XXXX XXXXXXXX The address, phone number, and hard credit inquiry listed on my report do not belong to me. I am a victim of identity theft Under the Fair Credit Reporting Act, I am disputing these items and requesting their removal.

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 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFAM Financial Services, LLC
State: PA

Complaint narrative:
I received a collection notice from XXXX XXXX XXXX XXXX regarding a {$670.00} deficiency balance allegedly owed to CFAM. I disputed the debt and requested full validation on XX/XX/year>. CFAM provided limited documentation, including a one-sided lease agreement with only my electronic signature and no proof of mutual execution. They have not provided proof of resale value, cure or reinstatement notices, or proper third-party authorization for XXXX XXXX  XXXX. I followed up on XX/XX/year>, and again instructed both parties to cease collection activity. As of now, the account is not yet reporting to my credit file, and I am attempting to resolve this before further harm or legal action occurs.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving a consumers dispute. 
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into the following inaccurate negative accounts on my credit report : XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  : This account is reported inaccurately, and Equifax has failed to provide verification or correct the errors. 
In my dispute letter, I specifically requested that Equifax provide details on how and from whom they are verifying the account. To ensure my identity was verified, I included copies of my government-issued ID, Social Security card , and proof of address with the dispute letter. 
Subsequently, I sent another dispute letter to Equifax dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 
As of XX/XX/year>, Equifax has not responded to my dispute letter, failing to meet the XXXX requirement for conducting a reinvestigation under FCRA 1681i. This non-response constitutes a direct violation of my consumer rights and has prevented me from ensuring the accuracy of my credit report. 
Due to Equifaxs failure to comply with FCRA requirements, I am demanding the permanent removal of the disputed item XXXX  - XXXX XXXX XXXX XXXX XXXX ) from my credit report. 
Impact of Equifaxs Actions : Equifaxs failure to respond to my dispute has caused significant harm, including potential damage to my credit score, financial opportunities, and emotional distress. Their inaction has hindered my ability to correct inaccurate information, undermining my consumer rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
I am a victim of identity theft and the following accounts listed are not mine and was unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am a survivor of XXXX XXXX. During that time, accounts were opened in my name without my consent. In 2024, I submitted an FTC Identity Theft Report and notified the credit bureaus. TransUnion permanently removed the XXXX XXXX account based on this. However, Equifax, Experian, and TransUnion continue to report other fraudulent or inaccurate accounts, including XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX My reports also include false names and addresses I have never used. 

Additionally, in 2024 I was notified that my personal data was compromised in the XXXX XXXX  XXXX XXXX data breach. This breach exposed my SSN, birthdate, and banking information. Since then, I have seen increased suspicious activity on my credit reports. I am requesting the permanent removal not correction of all accounts related to identity theft, trafficking, or the data breach under FCRA sections 605B and 605C.

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 2025-07-17 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: PA

Complaint narrative:
I am a survivor of XXXX XXXX. During that time, accounts were opened in my name without my consent. In 2024, I submitted an FTC Identity Theft Report and notified the credit bureaus. TransUnion permanently removed the XXXX XXXX account based on this. However, Equifax, Experian, and TransUnion continue to report other fraudulent or inaccurate accounts, including XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX My reports also include false names and addresses I have never used. 

Additionally, in 2024 I was notified that my personal data was compromised in the XXXX XXXX  XXXX XXXX data breach. This breach exposed my SSN, birthdate, and banking information. Since then, I have seen increased suspicious activity on my credit reports. I am requesting the permanent removal not correction of all accounts related to identity theft, trafficking, or the data breach under FCRA sections 605B and 605C.

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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I am actively paying the medical debt that I owe. The collections agency that took over the medical debt has called me every single day, sometimes twice a day, from a different phone number. I work at the times that they call and they don't leave any sort of voicemail and I can not call the phone number back as it is spoofed to be calling from my area code. When I do get the chance to answer, the person on the other line is completely silent and then starts repeating my name. I am ACTIVELY paying off this medical debt, I do not want to be called repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 TX XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
ON THE EQUIFAX CREDIT REPORT, THEY HAVE REFUSED TO FIX THE PROBLEM. THE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX KEEPS REPORTING A MAJOR DELINQUENCY, AND THERE IS NO DELINQUENCY ( SEE SCREENSHOT ). I HAVE TRIED TO GET EQUIFAX TO FIX THIS, BUT THEY HAVE REFUSED TO DO SO, AND XXXX XXXX SAYS THEY HAVE CORRECTED IT ON THEIR END, BUT EQUIFAX HAS NOT ON THEIR END..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for failing to remove multiple inaccurate and unverifiable accounts from my credit report, despite my formal dispute letters and requests for investigation. 

The accounts listed below remain on my credit report and are causing harm to my credit profile, even though I have provided notice that they are inaccurate and do not belong to me. 



Inaccurate Accounts on File : XXXX XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$27000.00} XXXX XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXXOriginal Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} These accounts are inaccurate, unverified, and/or do not belong to me. I followed the correct dispute process and sent written requests to Equifax asking for removal. Equifax has failed to take the proper steps to investigate and delete these items in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX  ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-17 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-17 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: GA

Complaint narrative:
XXXX XXXX CHARGED OFF AUTO LOAN OVER XXXX DOLLARS U.S.PLEASE PROVIDE 1099C FORMS FOR THE LAST TIME OR I WILL BE FILLING OUT 3949A AND 14039 WITH THE IRS

Company response to consumer: Closed with non-monetary relief