vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

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! 


XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and potentially unverifiable accounts reported on my credit reports by Equifax, Experian, and TransUnion, including charge-offs and collections that misstate balances, dates of first delinquency ( DOFD ), and account statuses ; specificallyXXXX XXXX XXXXXXXX XXXX balance {$0.00} ), XXXX  XXXX ( balance {$6700.00} ), XXXX XXXX ( balance {$0.00} ), and XXXX XXXX ( balance {$370.00} ) * * are reported with incorrect balances, outdated or inaccurate DOFDs, and misleading account histories that do not reflect my actual payment records and account management. These inaccuracies violate FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809, and I have attempted to dispute these errors directly with the credit bureaus, but the information remains uncorrected, causing measurable harm to my creditworthiness, limiting my ability to obtain credit, and negatively impacting my financial reputation. I have attached supporting documentation, including statements, payment confirmations, and prior dispute correspondence, demonstrating that the reported information is inaccurate, obsolete, or unverifiable.

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 2025-12-05 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and potentially unverifiable accounts reported on my credit reports by Equifax, Experian, and TransUnion, including charge-offs and collections that misstate balances, dates of first delinquency ( DOFD ), and account statuses ; specificallyXXXX XXXX XXXXXXXX XXXX balance {$0.00} ), XXXX  XXXX ( balance {$6700.00} ), XXXX XXXX ( balance {$0.00} ), and XXXX XXXX ( balance {$370.00} ) * * are reported with incorrect balances, outdated or inaccurate DOFDs, and misleading account histories that do not reflect my actual payment records and account management. These inaccuracies violate FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809, and I have attempted to dispute these errors directly with the credit bureaus, but the information remains uncorrected, causing measurable harm to my creditworthiness, limiting my ability to obtain credit, and negatively impacting my financial reputation. I have attached supporting documentation, including statements, payment confirmations, and prior dispute correspondence, demonstrating that the reported information is inaccurate, obsolete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Creditor Name : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX TX, XXXX XXXX TX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MT

Complaint narrative:
Sallie Mae withdrew an automatic payment on XX/XX/year> after I had contacted them in XXXX because I received an email stating repayment was restarting. During that call, I was told repayment would not resume because I would be returning to school in the XXXX semester and was already planning academic enrollment. I relied on that information. 

My deferment ended in XXXX because the XXXX XXXX XXXX only verifies current enrollment, not future enrollment. However, since I contacted Sallie Mae ahead of the deferment ending and confirmed my spring enrollment, I should have been placed in administrative forbearance or pending enrollment statusnot full repayment with autopay active. 

The unexpected withdrawal overdrafted my bank account and caused financial harm. When I requested a refund, Sallie Mae stated that reversing the payment would mark my account as delinquent, and they refused to acknowledge the misinformation I relied on from XXXX or the lapse between deferment expiration and enrollment reporting. 

I acted responsibly and in good faith. The repayment was triggered due to a processing gap and misinformationnot borrower neglect. 

Call log : Date : XX/XX/year> Time : XXXX Agent ( s ) : XXXX ( M ) and XXXX ( F ) Summary : - Servicer claimed repayment was correct despite prior verbal guidance. 
- Denied responsibility for miscommunication. 
- Stated refund would create delinquency. 
- Justified autopayment with deferment gap. 
- Attempted to shift liability to borrower. 
- Put me on hold and did not return to the call. 
- Call ended without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS 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 2025-12-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: SD

Complaint narrative:
I previously submitted the following complaint, and was told this issue was corrected : XXXX on XX/XX/year> I continually receive calls from Sally Mae 's collection services, regarding a XXXX XXXX XXXX She had my number XXXX, sometime in the past, now I have the number. The number they call from is XXXX and you can call them at XXXX as well, the operator that typically calls is named " XXXX ''. I have informed these attendants multiple times, that XXXX no longer has this number, and I always request that they place this number on the no call list ; even so they continue to call at all hours of the day, and on weekends as well, even after I make these requests. I have told them over and over again, that this behavior borders on harassment and I don't appreciate it. They do not appear to care of listen, please do something about this. Thank you! 

CURRENTLY : I am again receiving calls from Sally Mae, with the most recent number being XXXX ( typically twice daily ). 

Is there any way you could start fining these people? I am still informing them that the above listed person no longer has this number, I think they have been harassing me with phone calls for almost two years now. 

Please help! 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-04 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: MO

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-05 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I was restricted from Robinhood and i have funds thats stuck there. I called and ask why and they never gave me information and said to keep waiting and waiting while i have a wife and kid to feed. I am tired of waiting without no information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MI

Complaint narrative:
I was admitted to the hospital in XXXXXXXX XXXX XXXX The Emergency Department Physician who admitted was a contracted Emergency Medicine Physician who is an employee of XXXX XXXX XXXX XXXX XXXX XXXX  group who staffs the Emergency Department at the time of admission. A collection was placed on all XXXX credit reports as a collection in the amount of {$1400.00}. However, this amount was paid in full along with the hospital bill by XXXX in 2024. I know this because I have documentation from XXXX which is the Summary of Benefits for the bill and amount reimbursed to XXXX for said date of service and admission. I should never have been given this bill. Someone made an error but I was penalized with having it on all 3 of my credit reports. After presenting the necessary documentation to XXXX Billing and Americollect I was told it was canceled on all 3 credit reports. I have reached out on numerous occasions to dispute this information with all 3 credit reporting companies. I have spoken extensively with XXXX on this matter. All have said no and I repeat no input or algorithm with any documentation was provided or received in their system. Therefore, this collection from Americollect will stay until they are notified by the debt collector company to remove or delete the collection. The TransUnion file XXXX XXXXXXXX and the XXXX billing account XXXX XXXXXXXX. Please ask Americollect to do their due diligence in going in and deleting this collection from my credit reports. This collection has dropped my scores XXXX points across the board on all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services denied multiple audit requests over several years while applying an incorrect APR, resulting in sustained overpayment and financial harm. Toyota eventually corrected the APR internallybut only after the account became seriously delinquentand made this correction without any notification, disclosure, revised contract, or explanation.

I possess written documentation showing the originally negotiated 24 % rate, and I also possess Toyotas own documents showing the incorrect 25.5 % rate that I was charged for years. Toyotas internal silent correction is an implied admission that the earlier audits were inaccurate, mishandled, or not performed in good faith.

For more than two years, Toyota repeatedly told me the account was correct, rejected every audit request, and continued charging the inflated APR. Only after the account became late did Toyota adjust the ratequietly, without notifying me, and without correcting the financial harm caused by years of miscalculation.

This behavior violates basic standards of fair servicing, transparency, and regulatory disclosure requirements. The correction was made silently, after years of requests for help, and after lasting harm had already occurred to my credit, finances, and stability as a XXXX California resident and veteran XXXX 

I am requesting immediate intervention to : 1. Review Toyotas silent correction and failure to notify, 2. Recalculate the loan from origination using the correct APR, 3. Refund all overpaid interest from the period before the silent correction, 4. Evaluate Toyotas pattern of denying audits while later correcting the exact issues raised, 5. Investigate whether Toyotas internal servicing practices comply with state and federal requirements. 

Account Ending : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} Date XXXX Date of Last Activity:XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX late XXXX days XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} Date Opened:XXXX Date of Last Activity:XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX-not reeported in XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} Date XXXX Date of Last Activity:XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX late XXXX days XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} Date Opened:XXXX Date of Last Activity:XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX-not reeported in XXXX and 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Around XXXX XXXX the initial membership fee was initiated through the brokerage. On XXXX XXXX the {$50.00} was withdrawn from my checking account as agreed upon. On XXXX XXXX, I was again charged {$50.00} for the membership, this time through the credit card. 

I have made contact multiple times via email, a month has passed, and there has been no resolution to a rather simple problem.

Company response to consumer: Closed with explanation