vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
When I reviewed my Equifax credit report, I was shocked and frustrated to see a charge-off account from XXXX XXXX, account ending in XXXX, reported as a charge-off on XX/XX/year> for {$2300.00}. This account is well beyond the seven-year reporting period allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) ), meaning it should have been automatically removed from my report years ago. Yet Equifax continues to display it as if it were a current and relevant derogatory item, which is both misleading and unlawful. 

This is not a trivial clerical oversight. By reporting this account, Equifax is painting an inaccurate picture of my financial behavior to lenders, landlords, and other institutions that rely on my credit report. It makes me appear financially irresponsible, even though I have long since satisfied any obligations related to this account or the reporting period has elapsed. The continued presence of this account is actively harming my creditworthiness, lowering my score, and impacting my ability to obtain fair credit terms. 

I have a long history of dealing with reporting errors from Equifax. In the past, I have had to dispute late payments, collections, and other charge-offs that were either inaccurate or outdated. Equifax often responds with a superficial verified as accurate, without providing any meaningful documentation to substantiate the reporting. This pattern reflects a lack of proper reinvestigation under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. In other words, Equifax repeatedly fails to follow its legal obligations, forcing me to fight for corrections that should have been automatic. 

The emotional and practical toll of this ongoing issue is significant. Every time I apply for credit, I am penalized for a charge-off that is legally obsolete. Each denial, higher interest rate, or delay in processing a loan feels like an unjust punishment for an error that is not my fault. It is humiliating to see outdated information continuing to haunt me, and it undermines my trust in a system that is supposed to provide accurate information about consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KS

Complaint narrative:
Jefferson Capital is reporting a collection account on my credit report but do not own the debt. I contacted them to see if debt was valid and was informed they do not own the debt. My credit report is inaccurate due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
XXXX issued me a Form XXXX Cancellation of Debt for account # XXXX, confirming that the debt was discharged. However, Experian continues to report the account with a balance and negative status. This is inaccurate and misleading, as a discharged debt must show a {$0.00} balance or be deleted. Despite my dispute, Experian has not corrected the reporting, violating the Fair Credit Reporting Act ( FCRA ).

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 2025-09-25 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 : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX AXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} 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, 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The I C system is reporting on my credit when I have no knowledge of what the company is and I believe my information was used for whatever reason. I did not approve of anything and would like this dropped from my credit report.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
My account has been showing an incorrect balance since XX/XX/XXXX. Empower / Tilt previously told me account is updated every 30 days. This is incorrect as it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
am filing a complaint against Ally XXXX regarding their refusal to honor a publicly advertised new account promotion. 

From XX/XX/year> through XX/XX/year>, Ally XXXX promoted a {$200.00} cash bonus for new customers who opened a XXXX XXXX account and funded it with at least {$1000.00} within 60 days. The promotion stated the bonus would be credited within 30  days of funding. 

I complied fully and in good faith : XX/XX/year> : Submitted application. Due to a clerical error, my first/last name were reversed. 
I immediately contacted Ally XXXX ( Case # XXXX ). They refused to correct the application and instructed me to reapply. 
XX/XX/year> : I reapplied correctly and was approved ( Welcome email attached ). 
Funded account via XXXX transfer of {$1000.00}, later showing balance of {$1000.00}. 
Despite meeting all conditions, Ally XXXX failed to credit the {$200.00} bonus within 30 days. 
XX/XX/year> : Opened follow-up Case # XXXX. No resolution has been provided. 

This is a clear case of Ally XXXX failing to honor a promotional offer despite my compliance. Their refusal to pay the bonus is unfair, misleading, and harms consumer trust. 

Requested Resolution : Immediate credit of the {$200.00} promotional bonus. 
Assurance Ally XXXX will honor future promotions as advertised. 

Evidence attached : Promotion terms ( XXXX of XXXX / Ally XXXX ), case correspondence, account approval, ACH transfer records, account balance screenshots. 

Complainant : 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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been paying my loan for 7 years without fail. It has come to my attention that no payments were made to the principal portion of the loan, and my loan was modified twice with out my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WA

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

1681c2 ) that you, the Equifax 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 - Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NC

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  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} 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, 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 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I filed a complaint with the office regarding the inaccurate attempt to collect a debt that is not owed from Credence Resource. In response to said complaint # XXXX CFPB closed said complaint with a referral to the Federal Trade Commission on my behalf ; simultaneously Credence Resource then removed themselves from my Credit Report. 

As of today XX/XX/year>, I have been alerted by XXXX  that they are back on my report as of XX/XX/year> stating that was the date that this debt was opened and the debt amount due is now {$490.00} This again was never a debt that was owed to any company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: VA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XXXX is attempting to deny my loan modification despite my full compliance with the agreement. 

Details : I successfully made all three trial payments in XXXX, XXXX, and XX/XX/year>. 

I signed and notarized the modification package and returned it via XXXX. Tracking # XXXX shows delivery on XX/XX/year> at XXXX XXXX signed by XXXX XXXX. 

The package instructions clearly required the documents by XX/XX/year>. There was no requirement to use their prepaid label or specific tracking number. I complied fully. 

XXXX initially caused a delay by failing to include my address on the first shipping label so they sent me a second package with a due date by XX/XX/year>. I signed and notarized the package and shipped via XXXX  to ensure timely delivery. 

Despite proof of compliance, XXXX marked my request closed in error and continues to stall. XXXX has acknowledged I have all the proof in the world. 

XXXX is now claiming I had to use their XXXX label for my package to count. This excuse is not in the written instructions and is irrelevant since I met the only stated requirement : return by XX/XX/year>. 

The agreement says only return by XX/XX/year>. It does not say you must use their shipping label or tracking number. 

I corrected their mistake when they sent the first package with no address. 

I printed, signed, notarized, and returned the package on time with XXXX proof of delivery ( XX/XX/XXXX, XXXXXXXX XXXX, signed by XXXX XXXX ). 

Once its delivered and signed for at their own intake center, tracking number doesnt matter the legal requirement is met. 

I have repeatedly requested written confirmation but XXXX does not provide timely responses ; I am forced to call them for updates.

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 2025-09-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : TOYOTA MTR - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation