vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$19.00} by XXXX on my Cash App XXXX. My XXXX subscription has been billed exclusively through my T-Mobile account for over a year, and I have never authorized XXXX to XXXX my Cash App Card. I disputed the charge through Cash App, but my dispute was denied. I appealed and provided proof that my XXXX is billed through T-Mobile, but the appeal was also denied without a clear explanation. This charge is unauthorized, and I am requesting a refund and a full investigation into how my card information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened a new XXXX XXXX XXXX XXXX XXXX account managed by Synchrony Bank. My first payment of {$29.00} on XX/XX/year>, was returned, even though my bank information was correct and the account was active. Synchrony then reversed the payment and charged a {$29.00} fee. I believe this was caused by a system or processing error, not a consumer fault, and I am requesting a refund of the {$29.00} fee. I contacted Synchronys customer care to resolve the issue and was told to reach out to my bank, but my financial institution confirmed no problem on their end. Please review this case under the Fair Credit Billing Act.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CDR GENESIS in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CDR GENESIS containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, CDR GENESIS has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into CDR GENESIS 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details Collector : CDR GENESIS Original Creditor : XXXX Alleged Account Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am formally disputing the Badcock account reported on my XXXX  credit file. This account does not belong to me and was reported in error. I have never had any business, credit, or purchase agreement with Badcock. I am requesting that XXXX conduct a full reinvestigation and remove this inaccurate information immediately if it can not be verified with clear and documented proof. Reporting false or unverified information harms my credit and misrepresents my financial history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and expect this matter to be resolved promptly and correctl

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MA

Complaint narrative:
I am submitting this expedited follow-up complaint regarding continued violations of the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion. Despite prior disputes, the bureaus have failed to correct or verify multiple inaccurate, outdated, and unauthorized entries, violating FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 604 ( a ) ( 3 ) .Experian continues to report inaccurate information, including the obsolete address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MA XXXX, and unverifiable late close accounts such as Bank of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Multiple unauthorized inquiries remainXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and otherswithout proof of permissible purpose. The {$290.00} Collection XXXX account and several charge-offs ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) remain unverifiable. The XXXX XXXX ( {$9200.00} ) shows as Profit and Loss Write-Off despite no IRS Form 1099-C, making it misleading and incomplete.Equifax and TransUnion mirror these violations, reporting outdated addresses, the same unverifiable accounts, and unauthorized inquiries. Both also reinserted previously deleted data without consumer notice, violating FCRA 611 ( a ) ( 5 ) ( B ) .These recurring errors cause ongoing harm to my creditworthiness and demonstrate systemic noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX Toyota XXXX from XXXX Toyota in XXXX, Tennessee and financed it through Toyota Motor Credit Corporation ( account ending XXXX ). At the time, I was a XXXX XXXX veteran with a credit score of about XXXX and had recently paid off another auto loan. Despite my strong credit and reliable XXXX income, the dealership told me I had to make a {$3000.00} down payment and add my mother as a co-signer to lower the payment to {$600.00}. This statement was false and exploited my trust as a XXXX veteran. 
The Retail Installment Sales Contract that Toyota Motor Credit later reported shows an APR of 9.40 %, an amount financed of {$36000.00}, and a maturity date of XX/XX/XXXX. These terms demonstrate that the dealer actually extended the loan term and increased the interest rate instead of lowering it, a deceptive practice known as payment-packing, used to generate additional dealer-reserve profit. 
Throughout the entire loan, I was the only person who ever made payments. My mother never made a single payment or contributed financially to the account. I ultimately paid the loan off completely on my own. Despite this, Toyota Motor Credit refuses to confirm who is listed as buyer or co-buyer on the title or to provide copies of the original Retail Installment Contract, credit application, or dealer-funding documentationeven though I appear on their own Negative Credit Reporting Notice as a joint borrower. 
This refusal violates Toyota Motor Credits own Consent to Electronic Communications agreement, which states that all joint account holders must have equal access to records. I believe XXXX Toyota and Toyota Motor Credit Corporation engaged in deceptive and unfair financing practices by misrepresenting credit requirements, forcing an unnecessary co-signer, inflating the APR, and later withholding account information. These actions appear to violate the Truth in Lending Act, the Fair Credit Reporting Act, and the Tennessee Consumer Protection Act.

I am requesting that the CFPB review Toyota Motor Credits dealer-funding process, confirm my borrower status, and ensure accurate reporting and consumer disclosure, especially in cases involving veterans or XXXX consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are continuing to report inaccurate and unverifiable information on my credit file, even after I have identified specific factual discrepancies that violate the Fair Credit Reporting Act ( FCRA 611, 607 ( b ) ) and Metro 2 reporting standards.

I have already submitted dispute letters to each bureau requesting a reinvestigation and proper verification of these accounts. However, the accounts remain reported in an inconsistent, incomplete, and misleading manner across all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a collection account across all three bureaus with conflicting statuses.

Equifax lists the account as Deleted, while Experian lists it as Negative/Active, and TransUnion shows it as Deleted/Removed. 
The high balance ( {$940.00} ) and dates of first delinquency differ between bureaus, showing a clear lack of uniform data compliance under Metro 2 guidelines.

No original creditor validation or documentation has been provided to confirm the legitimacy or ownership of this alleged debt. 

XXXX XXXX XXXX XXXX Reported as a collection by TransUnion with a balance of {$1100.00}. 
The account lacks essential Metro 2 fields such as date opened, payment history, and account classification.

No supporting documentation from a data furnisher has been provided, making this account unverifiable under FCRA 611 ( a ) ( 1 ) ( A ). 

Outdated Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This personal address has been obsolete for several years, yet it continues to appear on both Experian and TransUnion reports.

Outdated or incorrect personal identifying information constitutes a violation of FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

The credit bureaus are reporting inconsistent data for the same accounts, which is a direct breach of Metro 2 compliance standards that require uniformity of data across agencies.

The bureaus have failed to obtain verification from original furnishers within the statutory period outlined in FCRA 611 ( a ) ( 1 ) ( A ).

The presence of obsolete or unverifiable information has caused harm to my creditworthiness and has hindered my ability to obtain fair credit terms.

Despite requesting validation and correction, no proper documentation or written confirmation has been provided to substantiate these accounts.

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 2025-10-24 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: WI

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. 
Attn : Compliance Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute & Method of Verification Demand Account # [ Insert Account Number ] To Whom It May Concern : This correspondence serves as a formal dispute and demand for validation of the alleged account referenced above, reported by your company, XXXX XXXX XXXX XXXX XXXX, on my consumer credit profile. I am disputing the accuracy, legality, and validity of this alleged debt under my rights afforded by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

You are hereby instructed to immediately cease all collection activities and provide full documentation validating that : 1. You are the legal owner or assignee of this alleged debt and have full rights to collect.

2. The account has been validated with a complete chain of assignment, from the original creditor to your company, including dates, signatures, and transaction details.

3. A legally binding contract bearing my clients original signature exists that establishes any obligation to pay you or your company.

4. You have accurately and lawfully reported all data to the credit bureaus, and such data reflects a verifiable, complete, and current record.

5. You have not re-aged, altered, or misrepresented any information for the purpose of extending reporting periods or inflating the balance in violation of the FCRA 623 ( a ) ( 1 ) ( A ).

Until you can provide the above documentation, any continued reporting of this account constitutes willful noncompliance and defamation of character under federal law. You are required to delete or update this entry as unverified with all credit reporting agencies if you can not provide full validation within 30 days of receipt of this notice.

Be advised that your failure to comply will result in formal complaints filed with the CFPB, FTC, and the Attorney Generals Office for each violation of federal law. My client also reserves the right to pursue civil action for damages pursuant to 15 U.S.C. 1681n and 1681o for each negligent or willful act of noncompliance. 

Please mail your full response and documentation to the address listed above. Electronic or verbal responses are not acceptable. 

Sincerely,

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 2025-10-23 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: CA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against American Express ( Amex ) for what I believe to be unfair and unreasonable account closures and improper forfeiture of my earned rewards and annual fees. 

On XX/XX/year>, American Express abruptly closed all XXXX of my active credit card accounts, despite each account being in good standing, with no late payments, delinquencies, or misuse of credit. These cards were long-standing accounts that I consistently managed responsibly. 

Without prior notice or a valid explanation, Amex not only terminated all XXXX accounts but also : XXXX. Forfeited all of my accumulated Membership Rewards points, which I had lawfully earned through eligible purchases. 
XXXX. Refused to refund the annual membership fees I had already paid in advance for these cards. 
The total annual fees I paid exceed {$2000.00} USD. 

I contacted American Express customer service and the executive office multiple times to request : A specific reason for the closures, The reinstatement or refund of my forfeited rewards points, and A prorated refund of my annual membership fees for the unused period. 

However, American Express refused to provide a clear justification or any meaningful resolution. Their explanation merely cited misuse without evidence or further detail a claim I strongly dispute. 

This action has caused me significant financial loss and reputational harm to my credit history. I believe Amexs conduct violates principles of fair dealing and transparency expected under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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