vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFRA 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

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 2025-05-12 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX began reporting a collection account for an insurance balance of {$92.00}. The balance was paid in full in XX/XX/year>. Despite this, the account remains reported as a collection and as a charge-off on Experian. XXXX  shows it as paid, but it is still listed as a collection. The reporting dates are inconsistent : Experian lists the last activity as XX/XX/year>, while XXXX  shows XX/XX/year>. XXXX  does not report this account at all, which is another inconsistency. I previously disputed this account, but no corrections have been made. I am requesting that the company accurately update this account to show paid and closed with no collection or charge-off status remaining, as the balance has been {$0.00} since 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XX/XX/2021, XXXX XXXX XXXX began reporting a collection account for an insurance balance of {$92.00}. The balance was paid in full in XX/XX/2021. Despite this, the account remains reported as a collection and as a charge-off on XXXX. Equifax shows it as paid, but it is still listed as a collection. The reporting dates are inconsistent : XXXX  lists the last activity as XX/XX/2021, while Equifax shows XX/XX/2021. XXXX  does not report this account at all, which is another inconsistency. I previously disputed this account, but no corrections have been made. I am requesting that the company accurately update this account to show paid and closed with no collection or charge-off status remaining, as the balance has been {$0.00} since XXXX.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Subject : Dispute and Demand for Arbitration Toyota Financial Account Account Name : Toyota Financial Account Number : XXXX Amount Disputed : {$19000.00} Dear Credit Bureau Representative, I am writing to formally dispute the reporting of a charged-off account by Toyota Financial Services in the amount of {$19000.00}. This account is appearing on my credit report with your agency, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I previously contacted Toyota Financial requesting a Form XXXX for this alleged charged-off debt. A XXXX is required to be issued when a creditor cancels {$600.00} or more in debt. Despite my request, I have not received this form from Toyota Financial. If the debt was truly canceled or forgiven, this document should have been issued to both the IRS and me. The absence of a XXXX raises questions about the accuracy and legality of this accounts reporting. In accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding the following : XXXX. Immediate investigation into the accuracy and completeness of the reported Toyota Financial account. XXXX. Immediate deletion of this account from my credit report if it can not be verified in accordance with XXXX XXXX. XXXX ( a ) ( XXXX ). XXXX. Written confirmation of the outcome of your investigation within XXXX  days of receipt of this letter. XXXX. Details of the furnishers response, if any, along with any documentation provided to verify the account. Demand for Arbitration Notice : Additionally, I hereby notify you that I am demanding arbitration under any applicable arbitration clause or agreement between myself and your agency or Toyota Financial. If applicable, please provide a copy of any arbitration agreement you believe governs this dispute. Please consider this letter a formal notice of dispute and intent to exercise all rights under federal and state law, including the pursuit of arbitration, if my rights are not upheld. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am filing this complaint against Equifax and Experian for repeated failure to properly investigate disputes I have submitted regarding inaccurate information on my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), both bureaus are required to conduct a reasonable investigation and respond to disputes within XXXX  days. However, every time I file a dispute, both Equifax and Experian either : Close the dispute without conducting a meaningful investigation, Fail to provide a clear explanation for their findings, or Ignore the supporting documentation I provide entirely. 
This pattern is not a XXXX-time issueit has happened repeatedly. I have followed the proper process by submitting disputes online/in writing ( choose whichever applies ), including supporting evidence, yet the bureaus consistently disregard their legal obligations. 
I am requesting that the Consumer Financial Protection Bureau enforce compliance with the FCRA and require Equifax and Experian to : Properly investigate the disputed information, Provide clear and detailed results of their investigation, Correct or remove the inaccurate items if they can not be verified, as required by law. 
This ongoing negligence has negatively impacted my credit and financial opportunities. I am requesting urgent review and enforcement action.

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 2025-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP
State: AZ

Complaint narrative:
II am the lawful owner of the property at XXXX XXXX XXXX XXXX, XXXX AZ XXXX. XXXX XXXX. I inherited the property through a beneficiary deed in accordance with XXXX XXXX ( A ). 
Since early XX/XX/year>, I have been trying to communicate with the XXXX XXXX XXXXXXXX XXXXXXXX XXXX who refused to tell me whether or not the property was in foreclosure, was about to go into foreclosure, wether or not I could assume the mortgage, cure the foreclosure etc. 

XXXX has continually refused to recognize me as the property owner and would not give me that information. After I filed a complaint with XXXX, I finally got a payoff amount but nothing else. 
I had contacted XXXX over XXXX times. Once I got the payoff amount, I I asked about several inspection charges, and what the inspections revealed, I was denied information. 
When I asked specifically about the foreclosure, or pre-foreclosure of the property I was denied as well. 
On XX/XX/year>, I entered a contract to panic sell the property to a cash investor because I did not know if this was in foreclosure or about to be in foreclosure. 
The escrow company reached out to XXXXXXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to get a payoff amount but as of XX/XX/XXXX, they are still waiting. 
On XX/XX/year>, received an email from XXXX XXXX XXXX XXXX XXXX, to notify me that a Notice of Substitution of Trustee, and Notice of Trustee Sale had been recorded on XX/XX/year>. ( Attached ). 
I did not receive any sort of notice that this was happening or about to happen. 
The new Trustee is XXXX XXXX XXXX I researched their address and phone number and a customer service rep, told me they are going to send out the notices. 
I informed him this was after the fact! And I provided a letter ( attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
The personal information on my credit report were outdated.

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 2025-05-12 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: MI

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification on Experian app that my XXXX XXXX dropped XXXX points. The app said that XXXX of my accounts were reported delinquent and when I look it was all of my XXXX  accounts. I immediately called XXXX  and told them that it was wrong. My college was reporting me withdrawn which was also wrong because I am enrolled full time. I submit my forms at my school and then I got a notification from XXXX to my email that it was received and processed. On XX/XX/XXXX I got a notification that my Experian dispute was denied and that the reporting stands. I called XXXX again to ask for the dispute status on their end and the operator told me that on their end the dispute was approved and was put in on XX/XX/XXXX. This seemed inconsistent to me because I called them and asked for a credit dispute that day, the operator said when they get the forms they put in the dispute. I did nothing wrong, Id still have a XXXX  months grace period. I graduate from this school XX/XX/XXXX. Its unfortunate because I was hoping to buy a car in the next few weeks.

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 2025-05-12 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification on Experian app that my XXXX XXXX dropped XXXX points. The app said that XXXX of my accounts were reported delinquent and when I look it was all of my nelnet accounts. I immediately called nelnet and told them that it was wrong. My college was reporting me withdrawn which was also wrong because I am enrolled full time. I submit my forms at my school and then I got a notification from nelnet to my email that it was received and processed. On XX/XX/XXXX I got a notification that my Experian dispute was denied and that the reporting stands. I called XXXX again to ask for the dispute status on their end and the operator told me that on their end the dispute was approved and was put in on XX/XX/XXXX. This seemed inconsistent to me because I called them and asked for a credit dispute that day, the operator said when they get the forms they put in the dispute. I did nothing wrong, Id still have a XXXX  months grace period. I graduate from this school XX/XX/XXXX. Its unfortunate because I was hoping to buy a car in the next few weeks.

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 2025-05-12 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification on XXXX XXXX that my credit score dropped XXXX points. The app said that XXXX of my accounts were reported delinquent and when I look it was all of my XXXX  accounts. I immediately called XXXX  and told them that it was wrong. My college was reporting me withdrawn which was also wrong because I am enrolled full time. I submit my forms at my school and then I got a notification from XXXX  to my email that it was received and processed. On XX/XX/XXXX I got a notification that my XXXX  dispute was denied and that the reporting stands. I called XXXX again to ask for the dispute status on their end and the operator told me that on their end the dispute was approved and was put in on XX/XX/XXXX. This seemed inconsistent to me because I called them and asked for a credit dispute that day, the operator said when they get the forms they put in the dispute. I did nothing wrong, Id still have a XXXX  months grace period. I graduate from this school XX/XX/XXXX. Its unfortunate because I was hoping to buy a car in the next few weeks.

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

Complaint narrative:
I am writing to formally request an investigation regarding the reported late payments associated with my account. I believe that there may be inaccuracies in the information reported, and I would like to address this matter promptly. 

I kindly ask that you provide me with proof of the alleged late payments. If you are unable to provide sufficient evidence of my payment history being reported as late, I request that my account be updated to reflect a status of " Paid as Agreed, Never Late '' ( PAANL ).

Additionally, I would appreciate a detailed description of all procedures and methods used in your processes to determine the accuracy of the information reported against my account. Understanding your verification procedures will guide me in addressing this matter effectively. 

Please provide the requested information at your earliest convenience. I look forward to your prompt response regarding this investigation. 

Thank you for your attention to this matter.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Request for Deletion of Inaccurately Reported Account XXXX XXXX XXXX XXXX To whom it may concern, I am filing this complaint regarding my account with XXXX XXXX XXXX XXXX, which is being reported to all three credit bureaus : TransUnion, XXXX, and XXXX  While I did open this account, the information being reported is factually inaccurate, incomplete, and inconsistent across all three credit agencies. 



Specific Inaccuracies and Violations : 1. Conflicting Credit Limit and High Balance TransUnion shows a {$0.00} credit limit and a {$2500.00} high balance not possible for a revolving account. 
XXXX reports a {$2500.00} limit and {$0.00} high balance again, contradicts the {$2500.00} charged-off balance. 
2. No Past Due Balance Listed, Yet Charged Off All bureaus list the status as Charge-Off or Collection/Charge-Off, yet show a {$0.00} past due amount.

This is misleading and inconsistent with standard charge-off reporting practices.

3. Excessive Charge-Off Reporting ( Experian ) Experian reports XXXX consecutive months of CO marks. 
This appears excessive and may violate FCRA by re-aging the account or continuing to report negatively after inactivity.

4. Incomplete Reporting on XXXX XXXX provides minimal information on this account, which creates an unfair and inconsistent profile when compared to other bureaus.

Resolution Requested : Due to these violations of the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX2, I am requesting the complete deletion of this XXXX XXXX XXXXXXXX XXXX account from : TransUnion LLC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX 

This account is being reported in a way that is unfair, unverifiable, and inconsistent, and I respectfully ask the Consumer Financial Protection Bureau to take action to ensure it is removed entirely from my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: WI

Complaint narrative:
I am disputing an inaccurate late payment entry reported by XXXX XXXX XXXX on my TransUnion credit report, Account Number : XXXX * * * *, dated XX/XX/year>, with a past due amount of {$0.00}. This entry is clearly erroneous, as I have maintained a consistent record of on-time payments and have not missed any payments on this account. This type of inaccurate reporting is a serious violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Given the potential for data breaches and the increasing risk of compromised personal information, this mistake likely resulted from inaccurate or unverified data being reported to TransUnion. 

Under XXXX XXXX. XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  credit reporting agencies are required to ensure the accurate reporting of late payment information. Failing to properly verify this late payment before including it in my credit report is a direct violation of these legal protections. This oversight is not just a clerical error but a significant breach of my consumer rights, potentially leading to higher interest rates, reduced creditworthiness, and ongoing financial stress.

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX and CCS COMPANIES ; There are XXXX accounts i'm not aware of. I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : XXXX  Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ). 
XXXX. Legal basis for collection. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Signed contract or agreement proving the debt. 
XXXX. Full account history. 
Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( Engelhart v. Gravens ), if no evidence is provided, I will assume no debt exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation