vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: IN

Complaint narrative:
This loan was a usurious/illegal loan at exceptionally high interest rates. It was originally with XXXX XXXX XXXX  XXXX The loan then went to XXXX XXXX  XXXX XXXX XXXX, a subsidiary of XXXX. 
The company is reporting this on my credit as a closed collection account, yet they continue to add {$13.00} to the balance monthly - my agreement does not state this, and I have no agreement with them regarding this. So, they are treating the account as if it is open, but they have reported it late, every month, since XXXX of XXXX until today 's date., and it shows on my credit report as " closed/written off ''. 
I am unable to log in to see the loan, see any documents or even contact them to inquire for information. 

The loan I took out was a " bait and switch ''. If I repaid {$750.00}, I would then have access to {$3000.00} in a " savings '' account with XXXX XXXX XXXX. I received {$750.00} in XXXX of XXXX, and made four payments of {$100.00} each. I then received notification in XXXX of XXXX, that despite the fact that they advanced me {$750.00}, and I made four payments, I have a balance due of {$3100.00}. This is a violation of interest rates allowed in Indiana. They also advised the loan had been sold to XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-18 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/2XXXX XXXX XXXX  Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion LLC Subject : TransUnion continues to report Metro 2non-compliant tradelines after reinvestigation What happened : On XX/XX/year>, I mailed TransUnion a certified dispute ( USPS # [ TRACKING # ] ) identifying fatal Metro 2 violations. 

On XX/XX/year>, TransUnion responded verified but did not correct errors or supply the required Method of Verification ( MOV ). 
XXXX XXXX compliance violations ( by tradeline ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$1200.00} XXXX XXXX XXXX High Credit {$1000.00} ( mathematically impossible ). 
Field XXXX Account XXXX mis-coded XXXX XXXX instead of XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX missing. 
Field XXXX mis-coded XXXX. 
XXXX XXXX & XXXX duplicate XXXX and XXXX ( {$340.00} ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX missing. 
Field XXXX mis-coded XXXX. 
XXXX XXXX & XXXX duplicate Balance and Past-Due ( {$800.00} ). 

Statutory violations : FCRA 623 ( a ) ( 1 ) ( A ) inaccurate/incomplete furnishing FCRA 623 ( a ) ( 5 ) failure to furnish Date of First Delinquency FCRA 611 ( a ) ( 5 ) ( A ) bureau must delete or correct incomplete data FCRA 611 ( a ) ( 7 ) bureau must supply MOV within 15 days 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy

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 2025-08-18 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: OH

Complaint narrative:
This is an issue involving Toyota Motor Credit and their failure to issue a lien release, even when contacted numerous times. 

I am a court-appointed guardian for the XXXX XXXX  owner who is in a XXXX XXXX  and incompetent. She owns a XXXX XXXX XXXX, which was paid off decades ago. Toyota Motor Credit did not issue a release on the lien. 

This is a XXXX pay-down. The car must be sold. 

I called for a release on the loan as follows : XX/XX/XXXX -- called and faxed my guardianship paperwork in. 
XX/XX/XXXX -- called. They verified they had my paperwork and stated they will mail a release. 
XX/XX/XXXX -- called. They verified the release was mailed XX/XX/XXXX. 
XX/XX/XXXX -- called. They stated they did not have my guardianship paperwork nor did they send a release. 

Toyota Motor Credit, faced with the knowledge that the lien release was not sent, and that issue was their fault, refuses to correct the issue. This results in significant costs to the estate of a XXXX XXXX XXXX  woman in a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute the continued reporting of the account associated with Synchrony Bank/Value City on my credit file. This account is inaccurate and unverifiable, yet it continues to appear on my report and on XXXX XXXX. 

Because this item is inaccurate and unverifiable, it must be permanently deleted from my credit report. Furthermore, I am experiencing ongoing harassment tied to this account, which violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ).

This inaccurate reporting is causing : A drop in my credit score.

Harassment despite changing my phone number.

Difficulty obtaining credit while I am on a fixed income.

I am therefore requesting the following : A full reinvestigation of this disputed account.

Permanent deletion of the account from my credit file, as required under the FCRA if the information can not be verified.

Written confirmation that this account has been removed and will not be reinserted.

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 2025-08-18 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 am writing to report that I am a victim of identity theft, which has caused severe harm to my personal and financial life. Without my knowledge or consent, someone has used my personal identifying information to open accounts and create fraudulent activity in my name. 

As a direct result of this crime, my credit reports contain inaccurate and damaging information, and I have been unable to get approved for a mortgage despite my actual financial standing. This has negatively affected my ability to obtain housing, credit, and pursue normal financial opportunities. 

Under the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ), knowingly using or possessing another persons identification with intent to commit fraud is a federal crime. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) gives me the right to dispute inaccurate information on my credit report and request a fraud alert or credit freeze to prevent further misuse of my identity. 

I am requesting immediate assistance in investigating this matter, correcting my credit reports, and holding the responsible parties accountable. This situation has caused ongoing hardship and continues to block me from moving forward with major life decisions such as securing a mortgage for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have submitted multiple disputes to Experian, Equifax, and XXXX  requesting the removal of inaccurate and unverifiable information from my credit reports. Despite following all proper procedures, the credit bureaus continue to report negative accounts without providing verification. 

The inaccurate accounts include : XXXX XXXX XXXX XXXX XXXX XXXX charge-off for {$18000.00}, reported past due in XX/XX/XXXX and continuing. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX , charge-off for {$410.00}, reported past due since XXXX. 

XXXX XXXX XXXX Charge-off for {$12000.00}, last activity reported XX/XX/XXXX. 

XXXX XXXX  XXXX Mortgage, delinquent with {$4000.00} past due, marked 60 days late in XXXX. 

XXXX XXXX XXXX {$14000.00}, reported over 120 days late. 

XXXX XXXX XXXX {$12000.00}, reported over 120 days late. 

Dept. of EducationXXXX XXXX XXXX {$92000.00}, reported 120180 days late in XXXX. 

Each time I disputed these items, the bureaus sent stall letters or claimed the accounts were verified without providing documentation such as contracts, payment history, or legal proof. This is not a reasonable reinvestigation under the Fair Credit Reporting Act. 

I am requesting that these accounts and related inaccurate personal information ( old addresses and employment ) be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
There is an unauthorized account on my credit I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

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 2025-08-18 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: NJ

Complaint narrative:
There is an unauthorized account on my credit I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I would like your assistance in removing unauthorized accounts from my credit record. I didnt initiate them and had no prior notice of their presence. According to USC 1681g, I ask that they be removed within 15 days. I have attached proof for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself Please delete the following accounts LNVN Funding LLC For {$840.00} & also LNVN funding LLC For {$1400.00} and XXXX XXXX bank {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I reviewed my credit report and found inaccurate information related to this account. This is affecting my ability to get credit. I'm requesting a proper investigation into the following items : Experian : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] Equifax : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] TransUnion : [ XXXX XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] The information is inaccurate because the account is being re-aged illegally. 

Experian : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX ] Equifax : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date OpenedXXXX  ] TransUnion : [ XXXX BANK XXXX ] [ Account # XXXX ] [ Date Opened:XXXX ] The information is inaccurate because the account resulted from identity theft. 

Experian : [ XXXX XXXX XXXX  XXXX ] [ Account # XXXX ] [ Date Opened : XX/XX/XXXX Equifax : [ XXXX XXXX XXXX  XXXX ] [ Account # XXXX ] [ Date XXXX ] TransUnion : [ XXXX XXXX XXXX XXXX  ] [ Account # XXXX ] [ Date Opened:XXXX ] The information is inaccurate because the account is being reported incorrectly.

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