vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TX

Complaint narrative:
XXXX XXXX XXXX Account # XXXX {$8900.00} XX/XX/year>XXXX  This company is reporting fraudulent inaccurate information on my credit report that needs to be deleted immediately. I am requesting that they provide the purchase agreement to show full ownership of such account. Also, any other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
These are the accounts that I am disputing : XXXX XXXX. 
XXXX XXXX. 
DEPT OF ED I want these accounts to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
Signed a contract and was initially interested in moving forward. Was assured by the sales rep that even though I signed the financing docs with XXXX, I could cancel before everything was finalized. I called before signing the power company documentation to cancel and the lady said she would submit it through. Fast forwars a few weeks, and I see the Mosaic loan on my credit report, despite the fact that service was never performed and I never even started payments. I called Mosaic to request to be removed and they said they would attempt the cancellation on their end but to speed up the process, recommended to call XXXX XXXX. I called them a second time, talked to a man who told me my first cancellation never went through. He said he was going to send it through but it would have to go through another team and would take some time. Well that was over a month ago now and its still on my credit report. Mosaic says the money was already given to XXXX XXXX so they took money from them but never performed any service for me or processed my cancellation. 

I just received the message below from their support. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is XXXX, reaching out to you on behalf of the cancellation team from XXXX XXXX XXXX Customer Support department, I hope this message finds you well. I wanted to provide a follow up in regard to your cancellation request, and I apologize forehand for the delayed response. I have been following your cancellation since this was escalated and although on our end we have processing the necessary information to Mosaic to prompt their response regarding the cancellation of your solar loan, we have been notified by Mosaic that at this time, they have paused all loan cancellation processing. This includes any new or pending cancellation requests, whether submitted directly by you or through XXXX XXXX. 

We understand this may not be the update you were hoping for, and we truly appreciate your patience and understanding. You may rest assured that as part of my ongoing commitment to closely monitor your loan cancelation, I will keep you informed to any information and update with any new information regarding this process. Please let us know If you have any questions, you can reach us at ( XXXX ) XXXX. We hope to have more clarity regarding this situation soon, and hope to be able to deliver better news in the very near future. 

Best regards, XXXX Customer Support Specialist XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: UT

Complaint narrative:
On XX/XX/, I added my credit card to Toyota Financial Services website and submitted a one-time payoff for {$1200.00}. I received confirmation that the payment was posted. A few days later, my account reflected a {$0.00} balance, was marked Closed, and I was informed over the phone that the title had been released. 

I checked my credit card account and found that no payment had been processed. I was never notified that the payment failed. On XX/XX/XXXX, I received an email from Toyota stating that my credit card had been removed from the account ( not by me ). Later that day, a Toyota manager told me the payment had failed and the account would be reopened. 

On XX/XX/XXXX, I logged in and saw my account had been reopened with a new past due balance of {$1100.00}. Toyota 's payment history shows the same {$1200.00} listed as both Paid and Failed, adding to the confusion. This has caused stress and uncertainty, despite me acting in good faith based on their confirmation that the account was paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To : ( Experian / Equifax / TransUnion ) Subject : URGENT DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRY To Whom It May Concern, This is a formal demand for the immediate deletion of the following unauthorized hard inquiries listed on my credit report : Company Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  Date of Inquiries : From XX/XX/XXXX to XX/XX/XXXX I did not authorize all of those inquiries. I have no current or prior relationship with this entity and did not grant permission for any credit check or access to my credit file. 

Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a hard inquiry is only permissible with my written authorization or for a legitimate purpose. Since this was done without such authorization, it is a violation of federal law. 

This inquiry is causing damage to my credit profile and score, and I demand its IMMEDIATE REMOVAL from my credit file. You are legally obligated to investigate and remove any inaccurate or unauthorized item within XXXX  days. I insist this be handled on an expedited basis due to the unlawful nature of the inquiry. 

Failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages. 

Enclosed are : A copy of my government-issued ID Proof of my current address A copy of my credit report highlighting the unauthorized inquiry Take this letter as your official notice. I expect confirmation of deletion in writing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To : ( Experian / Equifax / TransUnion ) Subject : URGENT DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRY To Whom It May Concern, This is a formal demand for the immediate deletion of the following unauthorized hard inquiries listed on my credit report : Company Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  Date of Inquiries : From XX/XX/XXXX to XX/XX/XXXX I did not authorize all of those inquiries. I have no current or prior relationship with this entity and did not grant permission for any credit check or access to my credit file. 

Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a hard inquiry is only permissible with my written authorization or for a legitimate purpose. Since this was done without such authorization, it is a violation of federal law. 

This inquiry is causing damage to my credit profile and score, and I demand its IMMEDIATE REMOVAL from my credit file. You are legally obligated to investigate and remove any inaccurate or unauthorized item within XXXX  days. I insist this be handled on an expedited basis due to the unlawful nature of the inquiry. 

Failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages. 

Enclosed are : A copy of my government-issued ID Proof of my current address A copy of my credit report highlighting the unauthorized inquiry Take this letter as your official notice. I expect confirmation of deletion in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: CA

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/year>XXXX XXXX  # XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its XXXX to see my credit get XXXX affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me XXXX  and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: AZ

Complaint narrative:
Complaint Summary : I submitted a {$200.00} security deposit to XXXX XXXX in order to open a XXXX XXXX XXXX  account. The company confirmed receipt of the deposit, but I never received the XXXX  card. I contacted XXXX XXXX multiple times, and they initially stated they would reissue the card. After continued delays, I requested that my account be closed and the {$200.00} deposit refunded. 

Despite several follow-up calls over several months, I never received the refund. XXXX XXXX claimed they would mail a refund check, but I never received it, even after waiting beyond the stated processing and mailing time. I do not have an active or usable account with them, and they are holding my {$200.00} without providing any services. 

I have contacted my bank ( XXXX XXXX ) to initiate a dispute and recover my funds. XXXX XXXX is effectively withholding my deposit, and I believe they are doing so unlawfully. I am seeking CFPB assistance in recovering my deposit and holding the company accountable for poor practices and a lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: LA

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account CREDENCE RESOURCE MANAGEMENT # XXXX, I am unaware of this debt and did not have the opportunity to dispute this account. Please provide " certified mail '' with a receipt displaying my signature. If not, please delete this account # XXXX for the original creditor XXXX, as soon as possible from my credit report, or I will take legal action according to my rights under the FAIR CREDIT REPORTING ACT, specifically 15 U.S. Code ( s ) 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit car pre-qualification through XXXX on XX/XX/year> and it states clearly that it is not a credit application as well as stating this will not effect my credit score.

I was doing this as I have been rebuilding my credit and wanted to see where I was in terms of status and if I would be pre-authorized for a card. I have done this in the past and it results in a soft credit pull which does not effect my score. XXXX went ahead and did a hard inquiry on my account and denied me a card. Im fine with the denial but my issue is that I did not authorize them to submit a hard credit inquiry and now I have that on my account for the next 25 months when it clearly says that this is not a credit application. I would have never gone through the process if it wasnt listed as a soft credit check for pre-qualification. I took a screen shot of the application I filled out which clearly states that it isnt a credit application. 

I called XXXX and they told me that their was nothing I could do and that If I wanted a resolution I needed to call Experian. When I called Experian they told me that XXXX is the only person who can help or I need to submit a complaint here.

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