vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
In accordance with the Fair Creat Reporting act XXXX XXXX lending, has violated my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am disputing a closed line of credit originally issued by XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX with a credit limit of {$5000.00}. The account was reported closed in XX/XX/XXXX with a {$0.00} balance and noted as sold to XXXX XXXX. 

However, XXXX and XXXX late payments were reported for XXXX and XX/XX/XXXX after the account was already in the process of being closed or transferred. My final payment was made in XX/XX/XXXX, and no further activity occurred from me that would justify these delinquencies. 

After the account was sold, I received no debt validation, notice of rights, or supporting documentation from XXXX XXXX. As a consumer, I have the right to receive accurate, non-misleading credit reporting and to have any alleged debt properly validated. 

This inaccurate and misleading reporting is damaging to my credit and constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

If these inaccurate and unverifiable late payments are not removed immediately, I am prepared to pursue legal action. I have already retained counsel and have filed the necessary steps to proceed under federal consumer protection law. I reserve the right to seek actual, statutory, and punitive damages, including attorney fees, under the applicable sections of the FCRA and FDCPA. 

I request an immediate investigation and removal of the false derogatory marks from my credit reports. Failure to correct this information will result in further legal and financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This late payment entry doesn't reflect my payment history. Please investigate and correct it accordingly

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 2025-07-31 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: SC

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I refinanced my auto loan with XXXX XXXX XXXX XXXX. As part of the refinance, XXXX XXXX issued a check to pay off the balance of my loan with Toyota Financial Services ( TFS ). The check was sent via XXXX  overnight on XX/XX/year>, and delivered on XX/XX/year>, according to XXXX  tracking ( tracking number : ( XXXX ). 
On XX/XX/XXXX, I called TFS and was told that the check had been received and was in their system, but that I needed to wait for the loan to be funded. However, when I called back on XX/XX/XXXX, a representative told me that they had no record of the check at all. This is concerning because the check was clearly delivered, and I now have XXXX conflicting statements from Toyota Financial Services.

I am now stuck between two lenders. The loan with Toyota Financial appears to still be active, but the payment was already sent. This has caused unnecessary stress and confusion. I am concerned about potential late fees, interest accrual, and especially damage to my credit if this is not resolved quickly. I feel Ive done everything correctly and in a timely manner. 
What I want : * I want Toyota Financial Services to immediately investigate and locate the payoff check. 
* I want them to pause any interest or late fees during this investigation. 
* I want written confirmation that they will not report any late payments to credit bureaus related to this issue. 
* I want the loan to be marked as paid off once the funds are properly applied. 
Supporting details : * XXXX XXXX number : [ insert number ] * Check sent from : XXXX XXXX XXXX XXXX * Delivered to : Toyota Financial Services ( location that handles payoffs ) * Delivery date : XX/XX/year> * I have confirmation from a TFS representative on XX/XX/XXXX that the check was received and in their system. 
* On XX/XX/XXXX, I was told by another TFS representative that they had no record of the check. And asked me to call XXXX  to confirm where that check was sent. Called XXXX and they sent it to the correct address. The fedex was signed by XXXX XXXX. 
I am requesting the CFPBs help in resolving this issue before it negatively affects my credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX associated with the XXXX XXXX XXXX  which is a personal loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items. 

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.

I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY AND IN MY CREDIT REPORT IT IS SHOWING A FRAUDULENT XXXX  XXXX XXXX ACCOUNT ( XXXX ) OPENED XXXX WHICH MUST BE REMOVED FROM MY CREDIT REPORT ASAP. ALSO SHOWING A FRAUDULENT INQUIRY BY XXXX  XXXX XXXX WHICH MUST BE REMOVED FROM CREDIT REPORT ASAP. I AM THE ONLY PERSON WHO MADE THIS STATEMENT. THANK YOU

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 2025-07-31 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of outdated, inaccurate, or unauthorized personal information listed on my credit report. This includes several addresses and a phone number that are either incorrect or no longer associated with me. 

Addresses to Remove : XXXX The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Number to Remove : ( XXXX ) XXXX These items are not accurate and should not be associated with my credit profile. I have previously attempted to dispute some of this information, and I am now requesting immediate correction and deletion. Please update my credit file to reflect only verified and current information. 

Enclosed are a copy of my government-issued ID and a recent utility bill showing my correct address.

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 2025-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is using a credit score using XXXX XXXX XXXX  report that actually has been and error and and see attached Capital One REFUSES TO REMOVE THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I am submitting this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting late payments on my credit report after the account was closed in good standing. My account was fully paid and closed without any remaining balance or delinquency. Despite this, XXXX XXXX XXXX continues to report derogatory payment history, including late payments that allegedly occurred after the account was closed. 

This inaccurate reporting is causing significant harm to my credit profile and is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate information to consumer reporting agencies.

623 ( a ) ( 2 ) : If a furnisher determines that information previously reported was incomplete or inaccurate, they must promptly update or correct it. 

I have already attempted to dispute this through the credit bureaus, but the information remains unchanged. XXXX XXXX XXXX has failed to provide verification of the alleged late payments or correct the inaccuracies.

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 2025-07-31 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:
I am submitting this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting late payments on my credit report after the account was closed in good standing. My account was fully paid and closed without any remaining balance or delinquency. Despite this, XXXX XXXX XXXX continues to report derogatory payment history, including late payments that allegedly occurred after the account was closed. 

This inaccurate reporting is causing significant harm to my credit profile and is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate information to consumer reporting agencies.

623 ( a ) ( 2 ) : If a furnisher determines that information previously reported was incomplete or inaccurate, they must promptly update or correct it. 

I have already attempted to dispute this through the credit bureaus, but the information remains unchanged. XXXX XXXX XXXX has failed to provide verification of the alleged late payments or correct the inaccuracies.

Company response to consumer: Closed with non-monetary relief