vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: Fig Tech Inc.
State: GA

Complaint narrative:
Reported as severely delinquent ( 120+ days past due ) on XXXX XXXX XXXX , yet XXXX shows it as paid with no delinquency. This is inconsistent reporting across bureaus, making it inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
Product : Auto loan or lease Issue : Trouble with lender or servicer Summary of Issue I purchased a vehicle from XXXX XXXX XXXX on XX/XX/scrub> 2025, and was told all fees and a workable loan would be arranged. After a refinance on XX/XX/scrub>, 2025, I discovered my new loan account was missing from the Toyota Financial appmaking me unable to make the payment due. Meanwhile, I receive repossession notices on the old account, which should have been replaced, and late-credit reporting resulting from my inability to pay. 

I have repeatedly contacted both the dealership and Toyota Financial Serviceseach time, they had no access to the correct loan account. This situation continues to create undue, wrongful credit damage and XXXX XXXX 

What I want : - Immediate restoration of loan account access so I can make payments. 
- Halt of all collection and repossession actions on the old account. 
- Correction and reversal of negative credit reporting. 
- Written confirmation of proper loan terms and account details. 

Supporting Evidence : I have compiled all relevant documentationtext conversations, witness statements, all correspondence, app screenshots, repossession notices, and XXXX recordsin an indexed XXXX XXXX folder XXXX XXXX XXXX XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AZ

Complaint narrative:
I hope this follow up complaint finds you well. I am writing to dispute an entry on my credit report that involves the account XXXX XXXX, which was opened on XX/XX/XXXX and has a reported balance owed of {$7200.00}. This account has been marked as " Late Closed, '' and I believe this to be an error, as I have never received any notification or indication that this account was closed due to late payments. I have maintained my accounts responsibly and would appreciate your prompt attention to correcting this issue.

This discrepancy on my credit report is deeply concerning, especially as it affects my credit score, which is crucial for securing future financial opportunities. I have no record of any correspondence or payment reminders related to this late closure, nor can I confirm any reason why this account would have been reported as " Late Closed. '' I kindly request that you investigate this matter and update my account accordingly. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate and complete credit report, and this account does not reflect my true credit behaviourXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In XXXX XXXX XXXX ( XXXX ) reported derogatory information on my credit report. After I disputed the information they did not furnish the credit bureaus with the required disclosure, within the period required by law. They were required by federal law to place a " notice of dispute '' on my account within the 30 day of my dispute, which they signed for on XX/XX/XXXX. They have violated the FCRA, section 623 ( a ) ( 3 ) and/or the FDCP act section 807 ( 8 ) by not placing the disclosure within the required 30 day period. I sent out several letters to XXXX and the 3 major credit bureaus, yet the information is still on my credit reports. I requested that they provide verification, their method of verification and any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX. XXXX XXXX XXXX  {$49.00} Date Opened:XXXX Account : XXXX XXXX. XXXX XXXX {$200.00} Date Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX XXXX {$110.00} Date Opened:XXXX XXXX XXXXXXXX Account : XXXX XXXX. XXXX  {$220.00} Date Opened : XXXX XXXX XXXX Account : XXXX XXXX. XXXX {$640.00} Date Opened : XX/XX/XXXX Account : XXXX XXXX. XXXX Account Number : XXXX Date Opened : XXXX {$0.00}. 
XXXX XXXX. XXXX XXXX Account Number:XXXX  {$0.00} Date Opened : XXXX XXXX. XXXX Account Number:XXXX  {$0.00} Date opened : XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
my XXXX  account was hacked and i lost over {$2000.00}. My bank denied the claim and now i am left with no money and a XXXX  that someone else has access to.

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 2025-08-20 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 XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$190.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$310.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$980.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account NuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-20 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: TX

Complaint narrative:
remove ever hard inquiries ever closed account wrong address discharged accounts charge off account I have ask for it to be removed still on there Experian Equifax trans union every account needs to be removed.XXXX  XXXX XXXX. 
Balance - Balance updated - Credit limit Monthly payment - Highest balance

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 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Identity Theft / Fraudulent Collection Account Request for Blocking under FCRA XXXX Account in Dispute : XXXX ( Original Creditor : XXXX The Standard at XXXX ) Account Number ( last digits ) : XXXXXXXX XXXX XXXX Balance Reported : {$21000.00} Date Opened ( per report ) : XX/XX/year> Formal Dispute & Demand for Removal I am submitting this dispute regarding the above-referenced collection account, which appears on my credit reports with XXXX, XXXX XXXX XXXX. This account does not belong to me. It was fraudulently opened without my knowledge, authorization, or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX [ XXXX XXXX XXXXXXXX ], I am formally requesting that this fraudulent account be blocked from my credit reports immediately. 
Under FCRA XXXX, when a consumer submits proof of identity theft along with an identity theft report, the credit reporting agencies are legally required to block the reporting of the fraudulent information from the consumers file within XXXX ( XXXX ) business days. 
Legal Basis - FCRA XXXX ( a ) ( XXXX ) : Requires credit bureaus to block information that results from identity theft upon receiving proof. 
- FCRA XXXX ( b ) : Requires the block to be placed no later than XXXX business days after receiving the request and documentation. 
- FCRA XXXX ( a ) ( XXXX ) : Furnishers of information ( in this case, XXXX ) XXXX not continue to report fraudulent information after being notified of identity theft. 
XXXX Requested I demand that this fraudulent collection account be : XXXX. Immediately blocked and removed from my credit reports with all credit reporting agencies. 
XXXX. That XXXX and the original creditor, XXXX The XXXX at XXXX, XXXX notified of the fraudulent nature of this account and cease all reporting. 
XXXX. That written confirmation of the blocking and deletion be provided to me once completed This account is fraudulent, was opened without my consent, and is causing severe harm to my creditworthiness. In accordance with FCRA XXXX, you must block this account from my file and provide written confirmation. Failure to comply XXXX result in legal action, including filing complaints with the CFPB, FTC, and XXXX Attorney XXXX XXXX. 
I expect a response and confirmation of deletion within the timeframe required by law. 
Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NV

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$6000.00} XXXX XXXX Balance {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems account showed up on my consumer report saying i owed them XXXX XXXX ive never had an account with them. I dont know why this is showing up but I need it to be taken off. I also have a late payment from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am submitting this complaint regarding inaccurate, unverifiable, and potentially unauthorized information being reported on my credit report. Despite my formal written dispute to the credit reporting agency, these items remain unresolved. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Summary of Issues : Inaccurate Late Payments on Closed Accounts Accounts : XXXX XXXX XXXX ( ending in XXXX XXXX XXXX ), XXXX XXXX ( ending in XXXX XXXX XXXX XXXX XXXX  ) These accounts are closed with {$0.00} balances, yet still report late payments, which is misleading and damaging.

FCRA 607 ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.

FCRA 611 ( a ) : Grants consumers the right to dispute and request reinvestigation of inaccurate data.

Charged-Off Accounts Without Validation Accounts : XXXX XXXX ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX  ( ending in XXXX XXXX XXXX XXXX XXXX ) I requested verification of these charge-offs, including balances, delinquency dates, and accuracy, and received no proper response.

FCRA 611 : If a furnisher can not verify the information, it must be corrected or deleted.

Unvalidated Collection Accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of ownership, accuracy, and legal authority to collect these debts.

FCRA 609 ( a ) ( 1 ) : Entitles me to all information in my file, including sources and verification.

No proper validation has been provided.

Unauthorized or Questionable Hard Inquiries Inquiries from lenders and auto dealers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) between XX/XX/XXXX and XX/XX/XXXX I did not authorize these hard pulls and received no application confirmations.

FCRA 604 ( a ) ( 3 ) : A credit report may only be accessed with permissible purpose, such as a credit application I initiated.

These inquiries appear to lack authorization or proper documentation.

What I Am Requesting : Immediate investigation and enforcement regarding the credit bureaus and/or data furnishers handling of these items Removal or correction of inaccurate late notations Full validation or deletion of charged-off and collection accounts Deletion of unauthorized inquiries that lack proof of permissible purpose Enforcement of FCRA 604, 607, 609, and 611

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 2025-08-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-20 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX

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