vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
A debt collection was posted onto my consumer report through XXXX  by Credit Corp Solutions , Inc. for a unknown debt. Company has no legal standing nor proof of a original contract with wet ink proving to have a contractual agreement, are falsely reporting without written consent, and are in violation of common law contract issued to Secretary of State, Secretary of Treasury, and Department of Treasury.

Company holds no grounds or proof of anything and are attempting to collect on a unknown debt. They are also acting under the guides of misrepresenting a company, while violating FCRA and CRPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Subject : Complaint Against XXXX XXXXXXXX XXXX Inaccurate Credit Reporting and Billing Statement Failure To Whom It May Concern, I am filing a formal complaint against XXXX XXXXXXXX XXXX for inaccurate credit reporting, failure to provide billing statements, and the resulting harm caused to my credit. 

XXXX XXXX XXXX recently reported a XXXX-day late payment on a {$25.00} balance for my credit card something that I was unaware of due to their failure to send billing statements. I routinely check the XXXX XXXX and pay manually. I never received email statements and confirmed this issue in a phone conversation with a representative named XXXX, who acknowledged the problem and logged notes on my account. 

Despite my clean history and prompt dispute, this negative mark has remained creating undue harm and a drop in my credit score. 

This incident violates several consumer protection statutes : FCRA 1681s-2 ( a ) : Prohibits the reporting of inaccurate information.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate and correct inaccuracies.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If XXXX XXXXXXXX XXXX can not verify the delinquency through documentation, the credit bureaus must delete it. 
Under the Dodd-Frank Act, the CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The failure to deliver billing notices, combined with negative credit reporting, may constitute a deceptive and harmful business practice.

I request the CFPB : XXXX Investigate this issue with XXXX XXXX  XXXX, including their failure to deliver billing statements. 
XXXX Require the deletion of the unverifiable XXXX-day late mark. XXXX Ensure compliance with FCRA and Dodd-Frank statutes to prevent future consumer harm.

Thank you for your help in correcting this injustice and protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Subject : Complaint Against XXXX XXXX XXXXXXXX Inaccurate Credit Reporting and Billing Statement Failure To Whom It May Concern, I am filing a formal complaint against XXXX  XXXX XXXX for inaccurate credit reporting, failure to provide billing statements, and the resulting harm caused to my credit. 

XXXX XXXXXXXX XXXX recently reported a 30-day late payment on a {$25.00} balance for my credit card something that I was unaware of due to their failure to send billing statements. I routinely check the BoA app and pay manually. I never received email statements and confirmed this issue in a phone conversation with a representative named XXXX, who acknowledged the problem and logged notes on my account. 

Despite my clean history and prompt dispute, this negative mark has remained creating undue harm and a drop in my credit score. 

This incident violates several consumer protection statutes : FCRA 1681s-2 ( a ) : Prohibits the reporting of inaccurate information.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate and correct inaccuracies.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If XXXX XXXX XXXX can not verify the delinquency through documentation, the credit bureaus must delete it. 
Under the Dodd-Frank Act, the CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The failure to deliver billing notices, combined with negative credit reporting, may constitute a deceptive and harmful business practice. 

I request the CFPB : 1. Investigate this issue with XXXX XXXX XXXX, including their failure to deliver billing statements. 
2. Require the deletion of the unverifiable 30-day late mark.

3. Ensure compliance with FCRA and Dodd-Frank statutes to prevent future consumer harm.

Thank you for your help in correcting this injustice and protecting consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 am recently divorced and I have noticed several unexplained inquiries being reported without my knowledge or consent. Im not sure where these stem from but I did not authorize these companies to access my report nor have I obtained any credit accounts from the following listed entities. I have already disputed these directly with the companies and credit bureaus and have now filed an official Identity Theft report. I respectfully demand these be deleted immediately. These unauthorized inquiries are negatively impacting my credit standing and causing financial harm all through no fault of my own. 

This is a serious violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), which prohibits access to a consumers credit report without a permissible purpose under 15 U.S.C. 1681b. Accessing or using my credit information without authorization is not only a violation of federal law, but also constitutes a direct intrusion into my personal and financial privacy.

Under the Fair Credit Reporting Act ( FCRA ), inquiries that are the result of fraud or unauthorized access must be removed from my credit file upon notice and proper documentation. I respectfully demand these inquiries be deleted immediately and that you investigate the matter in compliance with 15 U.S.C. 1681i and 1681c-2.

Please treat this matter with urgency and follow the FCRA guidelines accordingly. I expect confirm in writing that these inquiries will be removed from all relevant credit report and provide details of your investigation. Thank you for your prompt attention to this matter. 

The following inquiries are fraudulent : From Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I am recently divorced and I have noticed several unexplained inquiries being reported without my knowledge or consent. Im not sure where these stem from but I did not authorize these companies to access my report nor have I obtained any credit accounts from the following listed entities. I have already disputed these directly with the companies and credit bureaus and have now filed an official Identity Theft report. I respectfully demand these be deleted immediately. These unauthorized inquiries are negatively impacting my credit standing and causing financial harm all through no fault of my own. 

This is a serious violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), which prohibits access to a consumers credit report without a permissible purpose under 15 U.S.C. 1681b. Accessing or using my credit information without authorization is not only a violation of federal law, but also constitutes a direct intrusion into my personal and financial privacy.

Under the Fair Credit Reporting Act ( FCRA ), inquiries that are the result of fraud or unauthorized access must be removed from my credit file upon notice and proper documentation. I respectfully demand these inquiries be deleted immediately and that you investigate the matter in compliance with 15 U.S.C. 1681i and 1681c-2.

Please treat this matter with urgency and follow the FCRA guidelines accordingly. I expect confirm in writing that these inquiries will be removed from all relevant credit report and provide details of your investigation. Thank you for your prompt attention to this matter. 

The following inquiries are fraudulent : From Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Hi, I leased a XXXX XXXX for 36 months from Mazda Finnancial Services. 
My lease was scheduled to end on XX/XX/XXXX. 
Given the fear of the tariffs, I decided to take a new Lease 2 months earlier. I sent back the car to Mazda and paid out the remaining 2 months owed.

Then, I received a letter from Mazda dated XX/XX/XXXX with a bill which included termination charges and wear and tear. These termination charges were unfair given that I paid the remaining 2 months owed and was never told there will be a separate termination charge. 
Regardless, I wasnt going to put if a fight as the difference was not much. 
I had purchased a damage waiver policy when I took the lease, I sent them the bill from Mazda and they sent a check to Mazda for {$42000.00}.

As per the bill Mazda sent me I would still owe {$570.00}.

I tried calling Mazda on the number provided on their bill to confirm the check from the third party insurance company so I can pay the rest owed, but the number provided gets transferred to Toyota financial services. They advised me that I was not the only one with this problem. They have it multiple times a day and they notified Mazda about this.

Yet, this has been going for months and I still dont have a way to talk to anyone from Mazda customer service . I even have it on tape.

Since there was no email address provided on the letter, I tried contacting customer service via my online account, only to have the representative tell me to call the very same number again.

I realized 2 days ago that Mazda has reported a termination/balance owed on my credit report significantly hurting my credit. 
And everything while Im trying to pay my bill even though I believe its not fair.

Please help me.

Ty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against Credence Resource Management, a company claiming to collect a debt on behalf of XXXX XXXX. 

On XXXX XXXX XXXX, I received another email from Credence regarding an alleged debt of {$26.00}, tied to XXXX XXXX, with reference ID XXXX. The email states that a letter had previously been sent to me regarding this account. However, no such letter was ever received, and during a phone call with a Credence representative, it became clear that they did not even have my mailing address on file. Despite this, they insisted a letter had been sent and demanded that I provide my address before they would give me their own mailing address for me to send a debt validation request. 

This behavior is highly suspicious and possibly deceptive. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt in writing. It is my right to do so without being required to disclose personal information upfront, especially when the agency initiating contact has not properly verified the debt or even identified themselves with an official mailing address. 

Instead of honoring my request, the representative refused to provide a basic mailing address for the company and continued to pressure me into disclosing my address first. I believe this practice is coercive and may be in violation of federal regulations governing debt collection communications.

I am requesting that this company be investigated for the following : Continuing to email me about a debt that has not been validated Claiming to have sent a letter without having my address Refusing to provide their own address upon request Pressuring me to disclose personal information before providing required company details I am exercising my rights as a consumer to protect myself from potential fraud or unlawful collection tactics. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation