vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX in XXXX, PA and Toyota Financial Services used my email and applied to an account for a person with a similar name. I have been receiving emails about payments being due and payments being paid since. I have never applied for a loan with Toyota Financial Services. I have called 3 times to Toyota financial services to get my email removed from the account in question but I am still receiving emails. I was informed by them that the Account owner needs to approve the email change but it was a misuse of my email address that has been mine for many years. 

I believe XXXX XXXX XXXX and Toyota Financial Services actions to be in violation of the Gramm-Leach-Bliley Act as they have not Safeguarded my email address and have failed to continue to safeguard my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX and Shellpoint took over my mortgage in XXXX. The trustee was making the arrears payments on the mortgage and I was paying the current payments. Shellpoint filed a Reply to the Notice to XXXX stating I was current. However, they almost immediately started saying I was a month behind and charging me fees. I have been asking for a year for the date I missed the payment and have been told at least XXXX different dates. Each time I prove a payment was made they switch the date. The last time I spoke with them they said the payment was missed by the bankruptcy court and not me. This is clearly false due to their Reply filed on XX/XX/XXXX, case # XXXX XXXX XXXX of Illinois, XXXX it was current. Even XXXX own employee, XXXX XXXX, could not find the date the payment was missed and said she would file and internal complaint. This was XXXX and nothing came of it. Another employee, XXXX, on XXXX, sent me my loan account summary and it showed I had missed no payments and actually made an extra payment.

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 2025-11-06 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: FL

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Subject : Unauthorized Inquiries and Inaccurate Payment Data XXXX. Inquiries in Question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX BANK XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These inquiries were not authorized or initiated by me. Please verify each with signed consent or remove them. 

XXXX. Incorrect Late Payment Entries XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  I am requesting that Experian XXXX the reported payment history for these accounts and remove any inaccurate or unverifiable late payments.

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 2025-11-06 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: IN

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA s 605 B ( 15 U.S.C. s 1681c - 2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This Fraudulent, inaccurate and false information consists of personal account and XXXX inquiries. ( XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX - XXXX XXXX, 2025. This information need to be blocked and deleted.

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 2025-11-06 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: CO

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : List of Unauthorized inquiries : XXXX XXXX BANK XXXX XX/XX/year> XXXX XXXX BANK XXXX XX/XX/year> The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am filing this dispute to address inaccuracies and potential violations under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate, complete, and timely information on consumers ' credit reports. The following accounts contain discrepancies that I believe must be corrected. If these accounts can not be fully verified or substantiated, I request their prompt removal, in compliance with FCRA 607 ( b ), 611, and 609. 

Charged Off Accounts : XXXX FCU ( XXXX ), XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXX  XXXX ), XX/XX/XXXX, {$3700.00} XXXX XXXXXXXX XXXX ( XXXX ), XX/XX/XXXX, {$600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$990.00} XXXX dispute the accuracy of the reporting for these accounts. Under FCRA 611 ( a ), I request that each account be investigated for accuracy, and that any unverifiable information be removed immediately. 

Late Payments : XXXX XXXX FIN ( XXXX ) XXXX  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 non-monetary relief
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is now my third formal filing with the CFPB regarding these persistent inaccuracies on my credit report, and I am extremely angry and deeply disappointed that the issues remain unresolved. Despite submitting previous disputes and providing supporting documentation, the errors including incorrect addresses, an unauthorized phone number, and the repeated misspelling of my legal name continue to appear. This ongoing inaction has caused me undue stress, confusion, and potential harm to my creditworthiness. I find it unacceptable that, even after multiple filings, these mistakes have not been corrected, and I am concerned that the lack of timely resolution undermines the effectiveness of consumer protection. I am requesting that the CFPB take immediate and decisive action to fully investigate and correct all inaccuracies, provide written confirmation of the corrections, and ensure that these errors do not recur. I expect this matter to be handled with urgency, transparency, and accountability, reflecting the CFPBs mandate to protect consumers and uphold the integrity of the credit reporting system. I have already submitted valid supporting documents, including my government-issued ID, XXXX card, and utility bills, to verify the correct information. Given the recent shutdown of the Federal Trade Commission ( FTC ), which has temporarily reduced federal consumer protection enforcement, I am especially concerned about the accuracy and fairness of my credit information.

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 2025-11-06 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year> I went to a retreat with my college and those days I wasnt able to use my phone, because I didnt have connection, so I soon got a connection a saw on my account a deposit that I didnt make it, so when I tried to contact the bank, it was yo late they took the decision to close my account, I show them the proof that I did not have any access on my account at that moment, and they show me the check that the people tried to add, and thats wasnt even close to my signature.

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 2025-11-06 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report. Please review each account listed below for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed in accordance with FCRA 607 ( b ), 611, and 623 Charged Off Accounts : XXXX OF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$2500.00} XXXX OF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1100.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I got credit through XXXX my credit limit was XXXX I used XXXX, was paying everything on time had no problems then within XXXX mths they cut credit in half and cause XXXX XXXX to drop and payments to double then charged {$310.00} in XXXX mth for interest in {$1500.00} balance. They try saying cause promotion was over but why {$310.00} in XXXX mth but everything after is now back down to normal {$47.00} mth interest. They are trying to charge me interest for the mths of the promotion. That illegal is it not?

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 2025-11-06 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: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a credit alert showing a hard inquiry from XXXXXXXX XXXXAUTOPAY listed on my XXXX credit report. I did not authorize or consent to this inquiry. 

I was browsing the XXXX app just to check possible auto refinance rates, but I never completed or submitted the application. The form asked for information I did not have available, so I canceled the process and logged out. Despite this, the company ran a hard credit pull. 

After looking online, I found other consumers reporting the same unauthorized inquiry from this company. 

Inquiry details : Company : XXXX XXXXAUTOPAY Address : XXXX XXXX XXXX, XXXXXXXX CA XXXX XXXX : XXXX XXXX ) XXXX Inquiry Date : XX/XX/XXXX Scheduled to remain on record until XX/XX/XXXX This inquiry was done without my permission and has negatively affected my credit score. I am requesting that this inquiry be removed and that the company be investigated for performing hard pulls without consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 have zero affiliation with these accounts ; remove them within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WI

Complaint narrative:
This entry includes false information that distorts my payment history. Kindly revise my record so that it accurately reflects my financial conduct.

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 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T is reporting my account late for XXXX and XX/XX/XXXX. I attempted to resolve this matter with M & T Bank by submitting disputes to the credit bureaus XXXXXXXX XXXX XXXX XXXX XXXX 

Based on my conversation with XXXX on XX/XX/XXXX M & T is using the post date which is inconsistent with Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, which require accurate reporting and reasonable reinvestigation of disputed information. It's also a violation the Truth in Lending Act ( 15 U.S.C. 1637 ) and Regulation Z ( 12 C.F.R. 1026.10 ), which require creditors to credit payments as of the date received. My payments were made before and on the due date through XXXX XXXX online system, yet were improperly reported as late. XXXX XXXX continued refusal to correct this, despite documented evidence, constitutes noncompliance with both the Truth in Lending Act and the Fair Credit Reporting Act. 

The XXXX payment was made on XX/XX/XXXX paid online and the XXXX payment was made on XX/XX/XXXX. I have attached my M & T Electronic Payment history.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
The disputed entry is inconsistent with my payment history and contains inaccuracies. I respectfully request that it be corrected.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-11-06 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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