vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
I have an account on my credit report that belongs to someone else. XXXX XXXX XXXX has improperly and illegally opened an account that I am not aware of. I have never resided in the state of Georgia nor have I ever cosigned with anyone on any account in Georgia. The merchant needs to provide proof of ownership of this account and if not, I am requesting this account be removed immediately. I have requested this information from the creditor multiple times and have failed to receive it.

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 2025-05-20 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Demand for Immediate Removal of Inaccurate Personal Information Violation of FCRA [ Your Full Legal Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to dispute inaccurate personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). This incorrect data violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) and must be removed immediately.

Incorrect Personal Information Dispute : 1. Inaccurate Previous Address Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Address History : [ List your actual previous addresses, if applicable ] Supporting Evidence : [ Attach proof of residency, such as a utility bill or lease agreement, if available ] Legal Basis for Removal : Under FCRA 605 ( a ) ( 1 ), credit bureaus must not report inaccurate or obsolete information.

FCRA 611 ( a ) ( 1 ) ( A ) requires bureaus to conduct a reasonable investigation within 30 days of a dispute.

If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 

Requested Resolution : Immediate deletion of the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation in writing that this information has been removed. 

An updated copy of my credit report reflecting these corrections. 

Warning : Failure to correct this inaccuracy within 30 days constitutes a willful violation of the FCRA, subject to penalties under 15 U.S.C. 1681n.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Demand for Immediate Removal of Inaccurate Personal Information Violation of FCRA [ Your Full Legal Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to dispute inaccurate personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). This incorrect data violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) and must be removed immediately.

Incorrect Personal Information Dispute : 1. Inaccurate Previous Address Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Address History : [ List your actual previous addresses, if applicable ] Supporting Evidence : [ Attach proof of residency, such as a utility bill or lease agreement, if available ] Legal Basis for Removal : Under FCRA 605 ( a ) ( 1 ), credit bureaus must not report inaccurate or obsolete information.

FCRA 611 ( a ) ( 1 ) ( A ) requires bureaus to conduct a reasonable investigation within 30 days of a dispute.

If the information can not be verified, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 

Requested Resolution : Immediate deletion of the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation in writing that this information has been removed. 

An updated copy of my credit report reflecting these corrections. 

Warning : Failure to correct this inaccuracy within 30 days constitutes a willful violation of the FCRA, subject to penalties under 15 U.S.C. 1681n.

Sincerely

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
Date : XX/XX/year> Self Financial, Inc. / Lead Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Notice for Account No. XXXX XXXX XXXX  To Whom It May Concern : * * Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby requesting that Self Financial , Inc. / Lead Bank immediately cease all communication with me regarding the above-referenced account and any other alleged debt you claim I owe. 

I do not acknowledge or admit to owing any debt to your organization or any entity you may represent. Furthermore, I am formally requesting that you cease any and all attempts to contact me via telephone, mail, or any other form of communication. Any further contact from your company, except to notify me of specific legal actions, will be considered a violation of federal law and reported to the appropriate authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Please be advised that continued collection efforts after the receipt of this letter XXXX result in legal action being taken against your company. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-20 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: NC

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 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: NC

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
We recently received a notice from IC System XXXX indicating that XXXX XXXX has placed a past-due balance with your agency under our name. However, we would like to clarify that this account does not belong to us, and we do not owe XXXX XXXX the amount claimed.

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 2025-05-20 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : 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 Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX BANK XXXX XXXX BALANCE {$3400.00}, XXXX XXXX BALANCE {$10000.00}. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
This is in response to CFPB complaint XXXX. Your explanation regarding the recent increase in my auto loan balance from {$9200.00} to {$9200.00} is both insufficient and misleading. You stated that your company reports updated account information to the credit bureaus monthly and that discrepancies may be due to the credit bureaus ' internal reporting practices. This explanation is unacceptable, as all three major credit bureausExperian, XXXX, and XXXX reflecting the same increased balance. That clearly indicates the source of the error is with Toyota Financial Services, not the credit reporting agencies. Your failure to identify a legitimate reason for the balance increase raises serious concerns about the accuracy and integrity of your data reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers are obligated to report only accurate and complete information. Submitting an inflated balance without basis is a violation of that responsibility. Additionally, the attached screenshot shows inconsistent and inaccurate late payment reporting across XXXX XXXX XXXX XXXX : XXXX  reports XXXX late payments in both XXXX and XX/XX/year> which is not possible, as a XXXX late mark can only be recorded once per delinquency cycle. XXXX  and XXXX  both show XXXX late payments in XXXX and XX/XX/year>, but not Marchhighlighting a clear inconsistency with XXXX report. XXXX  shows a XXXX late in XX/XX/year> that TransUnion does not reflect, and Experian already marked as late in the prior months. Despite bringing these issues to Toyotas attention, they have failed to take corrective action and continue to shift blame onto the credit reporting agencies, which is unacceptable. Credit bureaus rely on data submitted by furnishers ; thus, Toyota remains responsible for ensuring accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX  : XX/XX/year>2025 INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/year>2025 INQUIRY ACCOUNT NAME : XXXXXXXX DATE : XX/XX/year>2025 Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-05-20 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 2025-05-20 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute XX/XX/XXXX for inaccuracy with a call center representative. Called company ( Equifax ) to inquire information on dispute on XX/XX/XXXX at XXXX PM, agent stated dispute filed XX/XX/XXXX was submitted for amount owed. Notified agent dispute was filed incorrectly by previous agent and I wanted to speak with a supervisor since it is past 30 day window and dispute information was incorrectly filed by credit bureaus agent. Agent refused to connect me to a supervisor to resolve companys error on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of inquiries have violated my rights. 
15 u.s.c. section 502A states I have the right to privacy. 

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: United Collection Bureau, Inc.
State: KY

Complaint narrative:
In XXXX of XXXX  I had a sleep study conducted at XXXX XXXX XXXX XXXX. Prior to, nor post study, I was never informed that I was responsible for a deductible concerning my insurance, XXXX XXXX XXXX. I was told by hospital registration staff that my insurance had approved the study and no out of pocket costs were ever mentioned to me. I was never given a good faith estimate for this non-emergency, scheduled medical study. I was never billed, nor made aware that I had any costs associated with this medical study. I was bewildered when I discovered four collection accounts ( CXXXX XXXX XXXX XXXX XXXXr {$980.00}, XXXX XXXX XXXX XXXX for {$610.00}, XXXX XXXX XXXXXXXX {$51.00}, anXXXX XXXX XXXX for {$1400.00} -- total of {$3100.00} ) associated with the medical study. These collection agencies had never contacted me by mail, phone, or email and I was unaware to look for any incoming correspondence from these companies. Through research, I discovered " the No Surprises Act '', that was effective XX/XX/year>. Once I spoke with the No Surprises Act Help Desk, they directed me to contact the Consumer Financial Protection Bureau and the Kentucky Department of Insurance. The representative also informed me that the act had been violated with the preliminary information given by me. I was surprised by this significant cost, which is a financial burden to my family, has affected my credit score negatively, and is beginning to affect my mental and physical well-being. I disputed these reports on my credit, but they still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: LA

Complaint narrative:
I paid {$68.00} to the company which was also charged of my XXXX  card and I was expecting it to be shown as paid but when i checked the app a couple days later it said the payment was unsuccessful but it was charged from my bank account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I have recently pulled my credit report and notice that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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