vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota Financial Services Attn : Credit Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account XXXX XXXXXXXX To Whom It May Concern, I am writing to again formally dispute the accuracy of the information being reported by Toyota Financial Services to the credit reporting agencies regarding my closed account ( Account # XXXX ) Specifically, there are four reported late payments that appear inconsistently across the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dates of these late payments differ across each bureau, which is a clear indication of inaccurate and unreliable reporting. 

XXXX  is reporting I allegedly had late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting late payments in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also is showing the account is still active as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that furnishers of credit information must report data that is complete and accurate.

Per FCRA Section 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting any information that they know or have reasonable cause to believe is inaccurate. Moreover, once notified of a dispute, under FCRA Section 623 ( b ), the furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify all consumer reporting agencies to which the inaccurate data was furnished. 

If you had conducted a reasonable investigation when I recently disputed this information, you would have noticed the numerous reporting inconsistencies across the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







Incorrect Address - XXXX XXXX XXXX, XXXX, TX, 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 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm writing to demand the immediate removal of an account that was fraudulently opened using my identity. I did not authorize this account in any way, and its presence on my credit report is both inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and anxiety. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I'm being overcharged on my loan, I have paid the loan amount back at least twice already... They take out of my check every XXXX weeks not once a month like it expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Upon reviewing my credit record, I discovered late payments that I believe are inaccurate. Despite sending validation request letters over XXXX days ago, I have received no response, and the creditors have failed to provide satisfactory validation of these alleged late payments. This lack of response and validation is concerning given the impact these entries have on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Due XXXX Identity Theft XXXX Whom It May Concern, I am writing XXXX formally dispute XXXX demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) | XXXX, XXXX : XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, XXXX I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC XXXX Theft Report XXXX. Copy of my government-issue This matter is urgent, XXXX I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) XXXX pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse XXXX remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention XXXX this matter. I can be reached at the contact information above if further clarification is needed. 

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 2025-05-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX * * BALANCE : {$790.00}, XXXX XXXXXXXX XXXX * * BALANCE : {$1900.00}, XXXX XXXX XXXX XXXX XXXXXXXX * * BALANCE : {$490.00}, XXXX XXXX XXXX * * BALANCE : {$12000.00}, XXXX XXXX  XXXX * * BALANCE : {$14000.00}, I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I am writing to formally file a complaint against Valley National Bank regarding its handling of a fraudulent transaction and the subsequent response from its representatives. Specifically, I am concerned about the pressure being placed on me to adopt a fraud prevention service ( Positive Pay ) within a rigid XXXX timeframe, under threat of account closure and loan default. 

On XX/XX/year>, I received an email from a bank representative, XXXX XXXX, stating that unless we adopt Positive Pay or sign a liability waiver, our account will be forcibly closed and loan obligations declared in default. This was despite our ongoing efforts to address the fraudulent check issue in good faith. 

I believe this conduct is coercive and does not reflect a reasonable or customer-centered approach, especially given the complexity and severity of fraud-related events. Moreover, the request to sign a waiver absolving the bank of any future responsibility raises concerns about fairness and accountability. 

I am seeking the CFPB review of XXXX XXXXXXXX XXXX actions in this matter and whether they are consistent with regulatory standards for consumer protection and fair banking practices. I am also requesting intervention to ensure that I am not penalized for refusing a product ( Positive Pay ) that the bank is pressuring me to adopt under duress. 

Please advise on the appropriate next steps, and do not hesitate to contact me should you require further documentation or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
To : Experian Subject : Formal Dispute Request for Deletion Unverifiable Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX ending in XXXX Dear Experian, I am writing to formally dispute the accuracy and completeness of the information being reported on my credit file regarding an account from XXXX XXXX XXXX XXXX related to the XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request full verification of any tradeline listed on my report. XXXX XXXX contacted me directly and spoke with a representative, XXXX XXXX, on XX/XX/year>. During the call, XXXX XXXX confirmed that XXXX XXXX is unable to provide any additional documentation to validate the debt beyond periodic account statements and a generic electronic customer agreement. 

Despite multiple requests, XXXX XXXX has failed to provide : A signed agreement or application explicitly linking me to this alleged debt A detailed breakdown of the {$12000.00} balance reported as charged off Any legally sufficient documentation establishing the accuracy and legitimacy of the account Without this documentation, the account remains unverifiable and must be removed from my credit file under FCRA 611 and related consumer protection provisions. Continued reporting of an unvalidated account violates my rights and may expose XXXX XXXX and your bureau to liability for inaccurate or unfair credit reporting. 

I am requesting that you delete this unverifiable tradeline from my credit report immediately and provide me with written confirmation once it has been removed. If you require further details, I am happy to supply supporting documentation. 

Thank you for your prompt attention to this matter. 

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 2025-05-08 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: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX a withdraw of {$16000.00} was taken from my account, when I saw the transaction on XX/XX/XXXX, I called Huntington bank XXXX customer service number they said they were opening a fraud case. I asked if any other actions should be taken by me. On XX/XX/XXXX XXXX additional with draws {$17000.00} and XXXX. I immediately called my branch XXXX, and she said the account should have been put on hold on the XXXX when I called which would have stopped the transactions on the XXXX. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I want XXXX dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor XXXX promised me XXXX update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this XXXX  remove or delete this account from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXI XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/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 2025-05-08 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following account must be removed immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-08 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: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax for willfully refusing to block and remove fraudulent items on my credit report that are the result of identity theft. I have submitted all documentation required under federal law, including : A valid Identity Theft Report ( XXXX  affidavit and police report ) A clear copy of my government-issued photo ID A utility bill showing my current address A written statement requesting the removal of the fraudulent accounts A copy of the dispute package previously mailed to Equifax Despite Equifax receiving this documentation, they have responded with a stall letter stating that I must submit my ID and utility bill again documents I have already provided. This behavior is not only unreasonable but also violates the Fair Credit Reporting Act ( XXXX  ), specifically Section XXXX, which requires credit reporting agencies to block identity theft-related information from a consumer 's file within XXXX business days of receiving proper documentation. 

XXXX refusal to comply with the law and their ongoing delay tactics have caused me significant stress and financial harm. I am being denied access to credit and suffering reputational damage due to their noncompliance.

Company response to consumer: Closed with explanation