vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am disputing several fraudulent accounts currently listed on my credit report. The presence of these accounts constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 

The disputed accounts are as follows : Two ( 2 ) accounts listed under XXXX XXXX XXXX ( XXXX ) accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the direct result of identity theft, and I did not authorize or initiate any transactions or agreements with the institutions listed above. Attached to this letter is an official FTC Identity Theft Report substantiating my claim. 

Additionally, XXXX XXXX has acknowledged their reporting error and has agreed to remove the negative account associated with my identity. I am attaching a copy of their response to the Consumer Financial Protection Bureau ( CFPB ) as confirmation of this agreement. 

You are hereby demanded to conduct an immediate and thorough investigation and to remove all fraudulent accounts from my credit report without delay. Failure to comply will result in legal action, including the pursuit of damages for the willful reporting of inaccurate and harmful information, as well as formal complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. 

This matter is being documented, and I expect written confirmation of the removal of the disputed accounts within the timeframe permitted by law. 

GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am disputing several fraudulent accounts currently listed on my credit report. The presence of these accounts constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 

The disputed accounts are as follows : Two ( 2 ) accounts listed under XXXX XXXX XXXX ( XXXX ) accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the direct result of identity theft, and I did not authorize or initiate any transactions or agreements with the institutions listed above. Attached to this letter is an official FTC Identity Theft Report substantiating my claim. 

Additionally, XXXX XXXX has acknowledged their reporting error and has agreed to remove the negative account associated with my identity. I am attaching a copy of their response to the Consumer Financial Protection Bureau ( CFPB ) as confirmation of this agreement. 

You are hereby demanded to conduct an immediate and thorough investigation and to remove all fraudulent accounts from my credit report without delay. Failure to comply will result in legal action, including the pursuit of damages for the willful reporting of inaccurate and harmful information, as well as formal complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. 

This matter is being documented, and I expect written confirmation of the removal of the disputed accounts within the timeframe permitted by law. 

GOVERN YOURSELVES ACCORDINGLY. 

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
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-04-09 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: NY

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Goodwill Adjustment Request for XXXX To Whom It May Concern, I hope this letter finds you well. I am reaching out to request a goodwill adjustment regarding a past late payment on my credit report for the account XXXX.

I take full responsibility for my financial obligations and have worked diligently to maintain a positive payment history. Unfortunately, due Im a single mom of two and I been client of XXXX for more than 3 years, Unfortunately been a mom of two on this country is been very hard for me and is been a year without late payments and Im trying to buy a house for my children and me, please help me with this late payments, I was unable to make a payment on time. However, since then, I have made every effort to stay current on all my payments and have demonstrated improved financial responsibility. 
I kindly ask that you consider removing this late payment as a one-time goodwill gesture. This negative mark does not reflect my overall commitment to maintaining good credit, and its removal would greatly assist me in achieving my financial goals. 
I appreciate your time and consideration in reviewing my request. Please let me know if any additional information is needed. I look forward to your positive response. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Account The Receivable Management Services ( {$450.00} ) To Whom It May Concern, I am writing to formally dispute a debt reported by The Receivable Management Services in the amount of {$450.00}. I do not recognize this account, and to the best of my knowledge, I have never entered into any agreement or transaction with this company. 

This account appears to be either inaccurately attributed to me or the result of fraudulent activity. I have not received any form of validation or documentation to support the existence or legitimacy of this debt. Therefore, I am requesting a full investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding that this debt be verified with full documentation. If this debt can not be validated, it must be removed from my credit report immediately. 

Please consider this a formal complaint and dispute. I respectfully request that the Federal Trade Commission investigate this issue to ensure compliance with all applicable consumer protection laws. 

Thank you for your attention to this matter. I request written confirmation once your investigation is complete and this inaccurate item has been removed from my records. 

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
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

15 U.S. Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Wednesday XX/XX/XXXX I called the CHIME APP CUSTOMER SERVICE and asked to speak with a Supervisor. The Supervisors name is XXXX ( yes, that is her name ). She insisted to me that she has no record of any money that is available to me in my Chime app and there hasnt been any transactions on my Chime app since XXXX. That is 100 % INCORRECT! I explained to her that everyday I login to my Chime app and I scroll down to the bottom of the app and i click on OFFERS. That takes me to a list of offers that gives me the opportunity to make a little extra money. I always choose the XXXX option, it has a long list of games that are available to play to earn money from. I have been playing these games for over a year through the Chime app. I have transferred money that i have made playing the games from my Chime app account to my XXXX account on numerous occasions, including in the present year XXXX. The XXXX said she sees no record of any money that has been in my Chime account or any transactions of money transferred to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Company : Toyota Financial Services Complaint : I am leasing a 2023 XXXX XXXX through Toyota Financial Services and have experienced persistent vehicle performance and quality issues since leasing the vehicle on XX/XX/year>. Despite multiple complaints submitted both to the dealership and Toyotas customer support center, the issues remain unresolved.

More concerning, Toyotas customer service replies are clearly automated and repetitive. Each message directs me to call a support number, despite my repeated requests to handle the matter in writing due to prior unproductive phone interactions.

A dealership representative even suggested I pay an {$11000.00} difference between the vehicles fair market value ( {$20000.00} ) and my lease balance ( {$31000.00} ), essentially asking me to absorb the depreciation caused by a defective product. 

I am requesting Toyota Financial Services respond in writing with a fair resolution. Their current approach lacks transparency and accountability. 

I believe this is a case of unfair or deceptive leasing practices and am asking the CFPB to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent collection account from XXXX XXXX XXXX in the amount of {$3600.00} that has been reported on my credit file by TransUnion. Both XXXX and XXXX have removed the fraudulent account. 

I recently reviewed my credit report and discovered a collection account that I do not recognize and did not authorize. This account appears to be inaccurate and is negatively impacting my credit standing. I have not received any prior communication regarding this debt, nor have I entered into any agreements with the collection agency in question. I also asked Transunion multiple times to provide proof of their investigation from my prior disputes. I received no 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am writing to formally dispute the information you have reported regarding XXXX XXXX, account number XXXX from XXXX XXXX XXXX. After reviewing my credit report, I noticed that information about XXXX XXXX was furnished to your company without my prior written consent, which violates the provisions under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes for obtaining a consumer report. 
Under FCRA 1681b, a consumer reporting agency may not disclose a consumer 's credit report unless the consumer has provided written consent or there is a legitimate permissible purpose for accessing such information. As I have not provided written consent, I believe that the furnishing of XXXX XXXX 's information to your company was in violation of this law.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 have 3 collections on my report that I dont recognize

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