vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This account was paid in full. 
I do have the clear title for the car I informed XXXXoyota Motor Credit and requested a copy of the payment history regarding this account As of this date I still have not had a answer nor any type of response to correct this inaccuracy in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Upstart Holdings, Inc.
State: NV

Complaint narrative:
In XX/XX/2024, a personal loan was fraudulently taken out in my name through Upstart and deposited into a XXXX account I did not open or authorize. I discovered this account when it appeared on my credit report. I immediately filed an FTC Identity Theft Report and notified Upstart. I also submitted my government ID and documentation showing that the tradeline had previously been removed from my credit report due to fraud. 

Upstart acknowledged the funds went to the XXXX account but refused to remove the account unless I obtained a letter from XXXXdespite me not having access to the account or relationship with them. I explained multiple times that I am not a XXXX customer and can not contact their support as a non-user. I gave Upstart multiple opportunities to investigate and close the account on their end. 

Despite providing all requested documentation, Upstart continued to delay resolution. As of now, the fraudulent account remains open and is damaging my credit. I want the account removed and closed permanently, and confirmation that I am not responsible for this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had XXXX bank accounts -one XXXX and one XXXX- with XXXX that were transferred to Citizens Bank in XX/XX/2022 because XXXX was closing its branches in my area. My XXXX accounts had XXXX fees, but apparently the Citizens did have fees which I did not realize. Due to a number of factors I did not check my bank account balances often and only recently realized how much the fees had added up to- {$450.00}. I feel I should be refunded these fees because I didn't willingly open the accounts and I wasn't ever contacted about the fees on my inactive accounts. I also did not use any of the bank 's services and they were able to earn interest on my funds. 

I visited a Citizens branch to request a refund. I was only refunded {$45.00} in person and then when I called the customer service line they refunded me an additional {$100.00}. Thus, I'm still owed {$310.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX  days. Supporting documents are attached.

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

Complaint narrative:
I recently reviewed a copy of my credit report and discovered the presence of fraudulent accounts. I kindly request that these accounts be removed from my report, as their presence is adversely affecting my creditworthiness and ability to obtain credit.

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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Asked for the amount of debt, the dates that they debt occurred, the amount that the debt collector bought this debt for and that I am the person responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/year>, went into verbal agreement with company regarding payments to avoid the charge off and submit a payment on XX/XX/year> on half the balance which I did and They still went through with putting the account to charge off, On XX/XX/year> ask if charge off can be reverse and I will re negotiate payments agreement. Was told no by the rep ( supervisor ) Even though we already had a verbal agreement so no charge off will take place. Was told I had to wait XXXX  days but by that time I will be sent to a third party. Why would I wait if Im trying to negotiate with the original creditor? 

Affirm very incompetent costumer service reps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-05 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: TX

Complaint narrative:
I am disputing the account listed as XXXX XXXX XXXX  ( Acct # XXXX ) across all three credit bureaus. The creditor has confirmed in writing that they requested this account be removed, yet it is still reporting. 

Additionally, the balances are inconsistent : TransUnion & Experian : {$4800.00} Equifax : {$4600.00} This violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I have attached the creditors correspondence for your review. Attached is the dispute letter sent to you certified on XX/XX/year> which is dated and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX

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

Complaint narrative:
" I have repeatedly informed Equifax of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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

Complaint narrative:
I am submitting this complaint after countless attempts to resolve a fraudulent and unverifiable XXXX XXXX account ( Account No. XXXX ) that continues to appear on my credit report. Despite filing multiple disputes with Experian, TransUnion, and Equifax, the bureaus have repeatedly marked the account as verified without providing any documentation or conducting a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I have submitted my dispute physically via certified mail, enclosing a full identity theft report filed with the Federal Trade Commission ( FTC ), along with a copy of my government-issued ID and proof of address. To date, no meaningful action has been taken by the credit bureaus, which is a violation of FCRA 605B, requiring fraudulent information to be blocked within XXXX business days of receiving appropriate documentation. 

This account has also been reported to the XXXX XXXX XXXX XXXX XXXX ) as part of my formal complaint and demand for deletion. 

The continued reporting of this fraudulent and unverifiable account has severely harmed me, resulting in the denial of a mortgage loan, loss of housing opportunities, and emotional and financial stress. I am now demanding, under my legal rights, the permanent deletion of this account within XXXX hours of receiving this complaint. 

If no action is taken, I will escalate this matter further with the State Attorney Generals Office and consider pursuing civil litigation under 15 U.S.C. 1681n and 1681o for damages. 

Sincerely, XXXX XXXX XXXX XXXX

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

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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

Complaint narrative:
I am filing this complaint due to ongoing identity theft, sham investigations by Equifax, and wrongful actions by XXXX XXXX, which revoked my Home Line of Credit ( HLOC ) based on disputed, fraudulent credit data. XXXX business credit firms fraudulently used my personal and business information to open accounts with XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX ) between XX/XX/XXXX and XX/XX/XXXX. I received no value from these accounts. This fraud is documented in my updated FTC Identity Theft Report # XXXX ( XX/XX/XXXX ). 

Equifaxs Failures : Equifax failed to investigate my disputes ( XX/XX/XXXX and XXXX, XXXX, letters ) and block fraudulent accounts per FCRA 1681c-2, despite my FTC report XXXX Their sham investigations mirror the CFPBs XX/XX/XXXX, {$15.00} XXXX lawsuit against them for similar violations. This led to disputed XXXX and XXXX data remaining on my report, causing harm. 
XXXX XXXX  XXXX : XXXX conducted a cursory review of my credit file, relied on unverified XXXX  and XXXX data, and revoked my HLOC, violating FCRA 1681i ( reasonable reinvestigation ) and 1681s-2 ( b ) ( duty to verify ). 
Broader Context : Creditors failed to validate debts under FDCPA 1692g and FCBA 1666, despite my disputes. This systemic issue ties to prior CFPB complaints : # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), and others. 
Legal Violations : FCRA 1681c-2 : Equifax must block fraudulent data within four days of receiving my FTC report but failed to do so. 
FCRA 1681i : Equifax and XXXX did not conduct reasonable reinvestigations. 
FCRA 1681s-2 ( b ) : XXXX and creditors failed to verify disputed data. 
FDCPA 1692g : Creditors and collectors ( e.g., XXXX ) did not provide adequate validation. 
FCBA 1666 : I dispute all billing errors, entitling me to halt collection. 
XXXX  CSPA ( ORC 1345.02 ) : Unfair practices by Equifax, XXXX, and creditors. 
FTC Act 5 : Unfair practices causing credit damage and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I made a complaint against a firm loan services for some negative reporting of an alleged account that they were reporting on my credit report. They responded to the complaint by claiming that they verified the information and that I am liable for the accounts and that they are not removing the accounts. However, they violated fcra by taking more than 30 days to investigate and respond to the request. Furthermore, According to their own response to my complaint, this company stated the following : " Loan XXXX processed on XX/XX/XXXX, for a purchase with the merchant, XXXX, in the amount of {$240.00}. This loan has terms of 34.39 % Annual Percentage Rate ( APR ) and 12 monthly payments of {$24.00} due on the XXXX of each month. The payment due on XX/XX/XXXX became over 30 days past due and was reported to Experian accordingly. The loan was paid off on XX/XX/XXXX. '' According to their statement, this alleged account was processed in XXXX of XXXX, and became delinquent in XXXX of XXXX. However, according to credit reporting from experian, equifax, and transunion there was never any reporting of this account on my credit report up until XXXX of XXXX after the alleged account purportedly became delinquent. As the company stated in their own response message that they have an obligation to report accurately on a monthly basis. If the account was established in XX/XX/XXXX and not reported at all whether positive or negative in standing until XX/XX/XXXX, then they have violated the fcra rules by not reporting the account details for the month of XXXX, XXXX, XXXX, XXXX, XXXX, and continuing into XXXX and not reporting in XXXX, XXXX, until XXXX of XXXX.. 
As they stated in their own response, they have an obligation to report. They did not report. That there is a violation of their obligation. Please remove this account and any negative reporting immediately or I will have to have my attorney get involved, and will be seeking legal fees and monetary compensatory damages..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
This is my second attempt to hold XXXX and Zelle accountable for my missing money. I find it incredibly dismissive that no real investigation was conducted into my issue. For XXXX and Zelle to be financial avenues for people to scam you and steal your hard earned money and no real justice is done is disheartening. XXXX and Zelle gave me a false guarantee that my money was safe with them. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX NC XXXX ) used her Zelle account and scammed me out of {$3000.00}, when i sent the request thinking she was a real realtor and that a deposit was needed for her to me realtor. She never returned my deposit, i requested for a refund numerous occasions via XXXX and Zelle and both financial parties wanted to do the blame game and each other and not supply me with a refund. 

I've supplied screenshots of my money being sent, there are many recorded conversations and escalations that should have been included in this botched XXXX audit. We are too advanced in technology for anyone to not see the digital footprint of my money being sent to her and the many refund requests i asked for within the app to get my money back. XXXX ref # is XXXX and a Zelle ref # XXXX. I've called recently when i heard they would honor he Zelle scams and Spoke to XXXX ( XX/XX/XXXX ) & XXXX as the Zelle liaison for XXXX. Again the run around, this scam was done in XX/XX/XXXX, she used the phone number to her boutique called XXXX XXXX ( XXXX ). 

I want a refund

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

Complaint narrative:
Account has been paid in full creditor sold account to XXXX. They popped up on a rental application that I put in as a debt that I owed please see attached.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
I have a credit card with Avant. I have never been late on a payment. They said they were raising my fees and so I requested them to close my account. I continued paying my monthly payment of the same about. I had scheduled my monthly payment to come out on the XXXX. A few days later I looked because it hadnt came out of my account and it said closed account and payment pending. I waited a couple of more days and called them and they said there was no payment pending. I screen shot the information and tried to sending to XXXX different emails that they gave me but they wouldnt go through. I then paid a payment and asked them if they would waive the late fee because I schedule it and it didnt come out. I was told they would review it and get back to me in XXXX days. I never heard anything back so I paid my XXXX payment and then I got charged an additional late fee of {$39.00} for not paying the previous late fee. I called them again and they said they would review and get back with me in XXXX days again and I have still not heard anything from them. Their website makes me download it again every time I try to make a payment and the lady said it isnt working so to use the website. That is the problem but now I have been charged XXXX in fees for their issue and I think they would return the fee because I had closed the account. They dont act like they are even trying to find the problem. I doubt they even review it. How can they charge a late fee because you didnt know if the late fee was taken off. Sounds like the same as compounding interest. Paying a late fee because you were charged a late fee! These companies need to be stopped. I thought there was a minimum late fee amount that had passed. Will you please let me know what you find out on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Was asked by the cashier if we had a phone number with XXXX for their rewards program and I agreed to give it to join. Next thing I know the pin pad Im swiping my debit card is asking for my income and my credit went from fair to poor bc I entered XXXX attempting to stop the application the cashier started without my knowledge or 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