vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: Kikoff Inc.
State: AR

Complaint narrative:
Credit Report Dispute Request for Investigation XXXX XXXX XXXX  : Date opened XX/XX/XXXX, {$0.00}, account still reporting to my credit and it is not my account. 
XXXX. XXXX XXXX XXXX Account Type : Debt Buyer / Collection Account Number ( partial ) : XXXX Balance : {$140.00} Status : Collection Account Past Due as of XX/XX/XXXX Original Creditor : XXXX XXXX Dispute Reason : This is not my account. 
I never opened or authorized any account with XXXX XXXX or XXXX XXXX XXXX. Please investigate and remove this account from my credit report as it appears to be the result of mistaken identity or fraud. 
2. Kikoff Lending LLC Account Type : Charge Card Account Number ( partial ) : XXXX Balance : {$40.00} ( Charged Off ) Status : Account Charged Off as of XX/XX/XXXX Dispute Reason : This account does not belong to me. 
I have never applied for or used any Kikoff Lending account. Please remove this item from my credit report as it was reported in error or may be fraudulent. 
XXXX. Personal Information Incorrect Addresses Dispute Reason : These addresses are inaccurate I never lived at these locations. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX These addresses are not associated with me or my verified residence history. Please delete them from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
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: NY

Complaint narrative:
I am submitting a formal complaint and credit dispute regarding my auto loan account with Toyota Financial Services related to my XXXX XXXX XXXX. 

Summary of Events : In XX/XX/XXXX, my XXXX XXXX XXXX was involved in a total loss accident. 
In XX/XX/XXXX, following XX/XX/XXXX instructions, I mailed all required photos of the vehicle damage ( no email or online submission method was provided ). 
Following this, I was verbally informed over the phone by Toyota Financial Services that a payment of {$5000.00} would be accepted as a full settlement to close the account. 
I made this {$5000.00} payment promptly and in good faith, relying on this verbal agreement. 
Despite this, XXXX later reported the account as charged-off/ seriously delinquent and demanded additional payment. 
I subsequently paid the remaining balance of {$4100.00} only to protect my credit, though the account was initially agreed to be fully settled. 
The account is now Paid in Full, yet the negative reporting remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MI

Complaint narrative:
Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). 

Repeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. 

What happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. 

My information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MI

Complaint narrative:
Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). 

Repeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. 

What happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. 

My information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.

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 2025-10-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 previously filed a complaint and dispute because a child support account was reported on my credit file long past the 7-year limit allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ). The issue is not about fixing my credit reportit was already removed after I paid itbut about the fact that it stayed on my report illegally for many years, causing major harm to my credit and finances. 

TransUnion, and Equifax failed to properly investigate after my first dispute. TransUnion sent a clarification request even though I had already provided all information needed. Equifax sent a letter dated XX/XX/year>, claiming the investigation was complete but without providing the legally required reinvestigation results or the furnishers information. Equifax also sent an unrelated email on XX/XX/year>, about a credit file delivery issue that had nothing to do with this dispute. 

Both companies violated the FCRA by failing to conduct a reasonable reinvestigation and by not providing the required results under 15 U.S.C. 1681i ( a ) ( 6 ). I am requesting CFPB review and enforcement for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I am having trouble with a {$1300.00} denied fraud claim on my debit card despite the merchant confirming the transaction as fraud And I have provided this information to the bank and it still hasn't gotten anywhere They continue to deny my claims despite me providing information from the merchant confirming the charge as fraud and then even marking it as fraud in their system and me providing evidence of that They also claim I can't redispute more then once which is not possible It's definitely possible to redispute under the law as many times as possible as long as new information is available which I have provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Notice to Cease and Desist/ Debt Validation Request Date : XX/XX/2025 To : I.C. Systems, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX RE : STOP ALL DEBT COLLECTION CALLS & NOTICES I.C. SYSTEMS, INC Reference Number : XXXX This letter is in response to all letters, emails, phone calls, or any other means of communication where Ive received notices from your organization. In accordance with the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from your organization regarding the debt you are attempting to collect. In response to this " Cease Communication '' letter, and in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that specific action will take place.

If this alleged debt belongs to me, please provide the Validations of Debt agreement that speaks on my behalf. In accordance with specifically 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there have not been any insurance claims found on this debt. And lastly, I will request proof that you have used the chain of title to collect on this debt.

" Please be advised that I am well aware of my rights and know that any further contact by you and your company, except communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law.

If you do not cease communication, a lawsuit will be filed against you.

This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

Sincerely, JM 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 2025-10-14 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-14 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: IL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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: IL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, my business account with XXXX XXXX was closed without notice. Shortly before the closure, I had initiated incoming wire transfers totaling approximately {$18000.00} into the account. On XX/XX/year>, when I logged in to verify the status of those funds, I found a message stating that the account had been closed. No reason for the closure was provided, and there was no information about what would happen to the funds that were in the account. 

Since then, I have repeatedly contacted Mercurys support team through their standard email channel. Although I received automated replies acknowledging my messages and stating that I would receive a response within XXXX business day, I have not received any further communication from XXXX despite multiple follow-ups. 

As of today, XXXX has not provided any explanation for the account closure and has not returned the {$18000.00} that was in the account. I am seeking the prompt return of those funds ( either by XXXX to another business account or by check mailed to the businesss registered address ) and a clear explanation of why the account was closed and why no response has been provided to my repeated inquiries.

Company response to consumer: Closed with monetary relief