vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Lease
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: CA

Complaint narrative:
On behalf of XXXX XXXX XXXX XXXX, this complaint is being filed against Toyota Motor Credit Corporation for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ). Toyota Motor Credit has continued to report an unverified and inaccurate account, identified as account number XXXX, to XXXX XXXX  and XXXX  despite receiving multiple formal dispute and verification requests. On XX/XX/year>, XXXX XXXX submitted a written dispute requesting copies of the original signed contract, complete payment history, and all documentation used to verify the accuracy of the account. Toyota Motor Credit failed to provide any of the requested evidence or documentation. A second and final demand was sent on XX/XX/year>, reiterating the verification request and warning that continued reporting without proof would constitute willful noncompliance with federal law. To date, Toyota Motor Credit has failed to produce any substantiating records or explain the procedures it used to verify the information furnished to the credit bureaus.

This continued reporting of unverifiable information constitutes a clear violation of Toyota Motor Credits obligations under the FCRA, which requires furnishers to conduct a reasonable investigation and provide verifiable evidence when notified of a dispute. Toyota Motor Credits refusal to comply demonstrates both willful disregard and negligent noncompliance with federal reporting standards. As a result, XXXX XXXX has suffered measurable harm to her credit standing, reputation, and emotional well-being due to the ongoing publication of inaccurate information. 

Through her authorized representative, XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX XXXX respectfully requests that the Consumer Financial Protection Bureau immediately investigate Toyota Motor Credits furnishing practices. The company should be compelled to provide verifiable documentation substantiating the accuracy of the account or, if unable to do so, be required to permanently delete the account from all credit bureau reports. Furthermore, the CFPB is urged to take enforcement and corrective action against Toyota Motor Credit for its continued disregard of FCRA compliance, ensuring that such violations do not persist against other consumers. This complaint is filed pursuant to a valid Consumer Authorization and Limited Assignment Agreement, authorizing XXXX XXXX to act fully on XXXX XXXX behalf in all credit dispute and complaint matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
My CashApp account was wrongfully closed. I called cash app support for them to give me a valid reason of why my account was closed and no one could give me an answer. I asked them to review the activity on my account as it shows that I only send money to family members and use my card as stores, as the account is allowed to do so. I then asked for my account to be appealed as soon as possible. After 4 days I received an email stating my account will remain closed due to violation of terms and conditions. There is no documentation or anything supporting why my account is closed and can not be reopened. This has happened to a lot of people and it isnt fair to the ones who had accounts for years, especially when you use it to send money to your kids. I would like Cash App to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called Ally Bank to gain access to my account. The representatives placed me on hold for a total of 4.5 hours while I was shuffled around to various people and the fraud department. After looking into my account and my verifying all of my information as rightful owner of the account and there is no fraudulent activity I was told they do not know why the account is locked and no one is able to allow me access. Today I spoke to a supervisor who could not help me and wanted to place me on another hold. I would now like to close my account and gain access to my money, however they informed me they are unable to allow me to close or gain access to the account because of the lock, which they are not telling me why it is locked either.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MS

Complaint narrative:
Self Lead Bank failed to validate alleged debt after request in violation of FCRA 611 and FDCPA 809. Reported data remains inconsistent across bureaus and unverifiable. The info sent to XXXX Attorney General contains factual errorsshowing a {$220.00} payment on XX/XX/25 toward {$280.00} but account summary lists {$260.00}. This violates XXXX XXXX accuracy standards and must be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: MI

Complaint narrative:
I contacted New American Fundings Loss Mitigation Department several times regarding my mortgage ( Loan # XXXX ) for my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. 

On XX/XX/year>, I spoke with a representative from t

he Home Retention Department who took my financial information over the phone and confirmed that she was submitting a loss mitigation request on my behalf. I asked if she needed any supporting documents to verify my information, and she stated that if any additional records were needed, someone would reach out to me. She also stated the review process would take about 20 days. I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, to check the status of my application and was told each time that my file was still under review. However, shortly after, I received a notice posted on my door stating that my property had been scheduled for foreclosure sale, which was the first time I learned that my home was in active foreclosure. 

Prior to this, New American Funding never contacted me by phone, mail, or email to clearly inform me that foreclosure proceedings were starting, nor did they offer a face-to-face meeting as required for FHA-insured loans. The only indication that something was wrong came when two of my mortgage payments sent through XXXX XXXX were returned, which prompted me to call and discover that foreclosure had already been initiated. 

I am requesting that the foreclosure sale be paused immediately and that my loss mitigation review be completed in compliance with federal Regulation X ( 12 C.F.R. 1024.41 ) and HUD/FHA servicing guidelines, as I submitted a complete application in good faith and have cooperated fully with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I applied online for a Citi XXXX XXXX personal credit card. It was advertised to me when I logged into my checking account. There was also a promotion for XXXX bonus points. After submitting the application, I received a message stating that further processing was required. On XX/XX/XXXX, I received a declination letter stating the reason- my credit bureau report ( XXXX  ) shows balances on my open accounts are too high when compared to the credit limits. The issue with that is I have no balances on any of my credit cards. Outside of being a Citigold client for over two decades with over $ XXXX on deposit with the bank, I currently have four cards with Citi with a combined limit of {$65000.00}. None of those cards has any debt. Outside of the Citi cards, I have three credit cards with a combined limit of $ XXXX. They also do not have any debt. I also have two XXXX cards ( XXXX  and XXXX  ), any debt accrued is paid off monthly. But, at the time of application, I had little to no debt - less than $ XXXX $ XXXX. One additional note, my credit score oscillates between XXXX. 

Why would my application be denied? Especially, for an inaccurate reason that is easily provable?

As a XXXX  woman over 50, I feel unjustly targeted and unfairly treated. This makes no sense to 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
Absolute Resolutions Investments , LLC is reporting a collection account on my credit report for an alleged XXXX XXXX debt. This company is not licensed to collect debt in the State of South Carolina as required by SC Code 37-5-101. Reporting a debt that can not legally be collected is unlawful and violates FCRA 15 USC 1681s-2 ( a ) and FDCPA misrepresentation provisions. I am requesting an investigation and removal of this account from all credit bureaus. On

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding the account in question. I would like to restate that I have no knowledge of, nor did I authorize, open, or benefit from any account with your company. Therefore, I am formally requesting that this account be immediately closed and removed from all systems, databases, and any credit reporting agencies where it may have been reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to dispute inaccurate or fraudulent information and to demand that it be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I attended XXXX University from XXXX to XXXX. XXXX has been found to have engaged in fraud and misrepresentation, and as a result my federal student loans were fully discharged by the U.S. Department of Education. I also have private loans from the same school period, now serviced by MOHELA. These loans were previously serviced by XXXX. When I requested review and consideration for discharge due to school misconduct, MOHELA informed me that XXXX is responsible for decisions regarding these private loans. XXXX, however, stated that because MOHELA services the loans and is billing me, MOHELA is responsible. I have contacted both companies multiple times and they continue directing me back and forth with no resolution or acknowledgement of who controls the loan or has authority to process a discharge request. I also filed a complaint with my State Attorney General and am awaiting a response. I am still being billed for loans associated with a school that committed fraud, despite my federal loans being discharged for the same reason. I am requesting CFPB assistance in determining who is legally responsible for these private loans and ensuring the appropriate party reviews my discharge request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
This letter is to inform of unauthorized inquiries on my consumer report. I am not liable for them please remove from my report. 
XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX ( XX/XX/year> ) XXXX. XXXXXXXX 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information maintained by your institution under my educational records, in accordance with the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.I have reviewed my records and identified the following inaccurate information .. Proof of original lender, with accurate amount due up to date, verify program payments enrolled. FERPA grants me the right to request that records believed to be inaccurate be corrected.I recently discovered that my personal data was exposed in a security breach and that fraudulent activity may have occurred in my name. As a result, I have identified inaccurate or unauthorized entries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a XXXX  and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-06 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:
CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. 

My personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. 

What Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. 

XXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. 

I also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. 

I never opened or authorized this account. 

I have no record of any relationship with the furnisher or original creditor. 

This account appears to be the result of identity theft and should be blocked immediately under 605B.

I provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. 

I also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. 

Additionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).

Applicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.

604 : Inquiries made without permissible purpose or authorization.

605B : Failure to block identity-theft-related accounts.

611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.

611 : Failure to conduct a proper reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief