vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was falsely accused, accused of not cleaning an apartment when i moved. The apartment was completely clean when I moved. The apartment was not clean when i moved in. There was no evidence of the apartment not being clean when I moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am writing to request assistance regarding a recent XXXX XXXX transaction that was sent in error. On XX/XX/year> I intended to send money to a specific individual, but because another users name began with the same letter and appeared similar in the app, I accidentally selected the wrong recipient. As a result, the funds were sent to the incorrect person, and I have been unable to retrieve them. I am asking for support in resolving this issue and recovering the money, as this was an honest mistake caused by the similarity of usernames and the apps interface.

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 2025-11-20 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A 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 DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Gold Star Finance continues to call me several times a day every day, they call my family and friends. They come to my home unannounced whenever they want. Its harassing and causing me so much anxiety. I've tried my best to keep up but I cant even afford groceries. they will not stop trying to embarrass and intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AZ

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 2025-11-19 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: AZ

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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate items appearing on my consumer credit reports. These entries are unverified, unauthorized, and are harming my credit profile. I am requesting the CFPBs assistance in enforcing proper investigation and permanent correction. 

XXXX. WRONG ADDRESS REPORTING The following address is appearing on my credit report, and I have no knowledge of or association with this address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not mine, I have never resided there, and its reporting violates the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). 
I request immediate deletion of this incorrect address from all consumer reporting agencies. 

XXXX. UNAUTHORIZED UNVERIFIED HARD INQUIRIES The following inquiries were not authorized by me. I never applied for credit with these companies, and I have no knowledge of these entities performing any permissible-purpose inquiries into my consumer report XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX Inquiry dated XXXX Under FCRA XXXX, a hard inquiry may only be made with my explicit authorization or for a valid permissible purpose. These companies have failed to provide such authorization, and these inquiries appear to be inaccurate and unverified. 

I am requesting that the CFPB require the credit bureaus and the furnishers to Provide documented proof that I authorized these inquiries, OR Immediately delete the inquiries from all credit reports if no valid documentation exists. 

Request for CFPB Action I respectfully request that the CFPB enforce a proper investigation and ensure that The wrong address is removed from all credit bureaus. 

All unauthorized inquiries are fully validated or deleted. 

The furnishers provide documented evidence of my consent as required by FCRA. 

All credit bureaus update my file to reflect only accurate and verifiable information. 

I appreciate your assistance in resolving these violations of my consumer rights.

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 2025-11-20 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430000.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had two months left to finish paying the car. In XXXX Toyota said I was delinquent and charged me the two months left. I paid that amount in full but on my credit report it shows as late. I called Toyota and they said that is what it says on the lease but online it still says I have two months. I never paid my car late and always communicated with them. This is also affecting my sister that is on the title as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never opened, authorized, or managed any of them. This raises a serious concern of identity theft, as these accounts do not belong to me and are falsely being linked to my credit profile. This is completely unacceptable and presents inaccurate, misleading, and damaging information about my financial history. I take my credit very seriously, and seeing these unauthorized accounts has caused me significant stress and concern.

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 2025-11-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/2020 I visited BMW XXXX XXXXXXXX to get my car serviced. While waiting I was admiring the cars in the showroom when approached by a salesman. I told him I wasn't in the market for a new car because I could not afford it. He asked me how much i could afford. I told him I still owed money on my current car and I couldn't afford more than XXXX dollars. He said if I could pay off the current car, and get your payment for the new car under XXXX dollars ... would you take it? I agreed. There was no mention of a Ballon payment at the end and was fast talked by financing that never mentioned anything of that nature. They presented the document and explained it to be something else. It was a long day. It was my son 's birthday. I had been there all day and since I bought 2 cars from them previously, I foolishly trusted them and just signed where they said to sign. I'm XXXX XXXX XXXX and they took advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1900.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$2700.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
Experian is reporting multiple closed accounts with serious inaccuracies, contradictions, and impossible data. Several accounts show late payments occurring after the accounts were closed, which is not legally or logically possible. Some accounts display charge-off statuses with {$0.00} balances, while others contain conflicting information such as Paid/Closed alongside severe delinquency codes. Experian is also reporting duplicate or fragmented versions of the same creditor with different account types, dates, and statuses. Across these accounts, there are missing or incorrect Dates of First Delinquency, contradictory payment histories, discrepancies compared with other bureaus, and information that can not be verified based on the records provided. These issues violate the FCRAs requirement for maximum possible accuracy and demonstrate that Experian is reporting information that is incomplete, contradictory, and unreliable.

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 2025-11-20 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: IL

Complaint narrative:
This is not my account, and it appears on my report in error.

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 2025-11-20 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: IL

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a victim of a scammer and I reported this plus other information to Chase. They sent me letters that provisional credits were issued for {$1700.00}, {$700.00}, and {$110.00} but I have received nothing. The bank said that the {$110.00} was used on negative balance but my account was not in negative before the fraudulent transactions were made and I sent a fax asking them to segregate the fraudulent charges from my funds. In addition, I made these payments for my rent online and they would not have processed if my funds were not in my account because I have a secured account. 
Worse now I am trying to get the funds to pay my rent or I will be victimized again by losing my home and my life insurance. I have sent pages of faxes to them including the information about the scammer so he can be arrested. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I would like to remove these items due to identity theft

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
I REQUESTED DISCONNECTION FROM XXXX ( XXXX ) WHO WAS MY INTERNET AND PHONE SERVICES PROVIDER EFFECTIVE XX/XX/year>. I WAS OFFER DISCONNECT REQUEST FORM BY EMAIL WHICH WAS PROMPTLY COMPLETED AND E-SIGNED DATED XX/XX/year> ( ATTACHED ) MY DISCONNECTION WAS TO ENABLE ME SWITCH TO XXXX XXXX. ON XX/XX/year> XXXX XXXX WAS PAID BY EFT FOR THEIR SERVICES FOR THE MONTH OF XX/XX/year> IN THE AMOUNT OF {$150.00} ( BILLING INVOICE ATTACHED. ON XXXX XXXX THERE WAS A BILLED FOR {$290.00} BEGINING XXXX XXXX THROUGH XXXX XXXX. I CALLED XXXX TO DISPUTE THIS BILL FOR THE REASON THAT MY SERVICES WAS PROPERLY DISCONNECTED AND ALL EQUIPMENT WERE RETURNED SAME DATE OF XXXX XXXX TO UPS AS INSTRUCTED ( UPS RECEIPT ATTACHED ) I WAS TOLD TO DISREGARD SUCH BILL THAT MY ACCOUNT IS PENDING DISCONNET ( NOTED ON THE RECEIPT ) AND OTHER COMMUNICATIONS WITH XXXX AS NOTED ON THE RECEIPT. MY PHONE NUMBER WAS COMPLETELY PORTED TO XXXX XXXX XXXX AND WAS INSTALLED XX/XX/year> WITH THEIR EQUIPMENTS. XXXX HAS CEASE TO PROVIDE MY SERVICE EFFECTIVE XX/XX/year> BUT I WAS BILLED FOR NON-SERVICE XXXX XXXX XXXX. THE DEBT WAS REFER TO MCCARTHY, BUGES & WOLFF WHO HAS CONSTANTLY CALLED AND HARRASS ME TO EXTORT MONEY FROM ME AFTER I HAVE SPOKEN WITH THEM AND PROVIDED THEM WITH ALL DETAILS AND DOCUMENT DISPUTING THE DEBT.

Company response to consumer: Closed with explanation