vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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 rented a Car from XXXX car rental on XX/XX/year> and corresponding rental agreement is XXXX and the amount due was {$370.00}. I already paid this amount when I returned the car as per attached invoice. Then I received an invoice from XXXXXXXX XXXX XXXX  asking me to pay over {$950.00} for a small damage to tire. I was driving a XXXX XXXX and to replace a tire is a small amount and I didn't have any agreement with XXXX XXXX when I signed an agreement with XXXX car rental either. But they have sent my case to a collection agency, and they keep asking me to pay over {$750.00}. There are so many derogatory remarks about this car rental company online as well as XXXXXXXX XXXX XXXX XXXX  and they even falsified documents to rip off customers. As per the collection agency my account is on hold as per the attached correspondence I had with them. But credit report shows otherwise, and all XXXX credit bureaus should remove derogatory remarks from my credit report immediately since this account is on hold at the moment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i am writing this report because there is an unauthorized account on my credit report that is negatively impacting me and hindering my score. This is making it very hard for approval on credit products and i am suffering. I need this account investigated and removed please. As the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) refuse to resolve this as i have tried countless times. I have listed the account below. 

XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$9300.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$9300.00} XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXXXX/XX/XXXXBalance : {$9300.00}

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 2025-06-29 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i am writing this report because there is an unauthorized account on my credit report that is negatively impacting me and hindering my score. This is making it very hard for approval on credit products and i am suffering. I need this account investigated and removed please. As the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) refuse to resolve this as i have tried countless times. I have listed the account below. 

XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$9300.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$9300.00} XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXXXX/XX/XXXXBalance : {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Charges Credit Card Ending in XXXX I am writing to formally dispute unauthorized and fraudulent charges that have been posted to my XXXX XXXX XXXXXXXX credit card account ending in XXXX. 

These transactions were not authorized by me, nor by anyone permitted to use my account. Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I request an immediate and full investigation into these charges, and that all associated amounts be reversed.

To support my claim, I am enclosing a copy of a police report filed with the XXXX XXXX Police Department, which details this case of fraud. Please ensure that this documentation is attached to your investigation record. 

Additionally, please provide me with the following documentation related to the disputed transactions : Copies of transaction receipts Names and contact information for the merchants involved IP addresses, device data, or location info linked to the transactions Any associated signatures or communication logs This letter also serves as a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ). I am requesting that your response to this dispute be consistent with your legal obligations and that all requested documentation be mailed to me. 

Under 15 U.S. Code 1666 ( a ), you are required to : Acknowledge receipt of this dispute within 30 days, and Conclude the investigation and provide a resolution within two complete billing cycles, not to exceed 90 days.

No interest, late fees, or collection efforts should be applied to the disputed amount while the matter is under investigation, as provided by law. 

Please confirm receipt of this letter and the police report in writing, and keep me informed of the status of your investigation. I expect XXXX XXXX XXXXXXXX to resolve this matter promptly and in full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Charges Credit Card Ending in XXXX I am writing to formally dispute unauthorized and fraudulent charges that have been posted to my XXXX XXXX XXXXXXXX credit card account ending in XXXX. 

These transactions were not authorized by me, nor by anyone permitted to use my account. Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I request an immediate and full investigation into these charges, and that all associated amounts be reversed. 

To support my claim, I am enclosing a copy of a police report filed with the XXXX XXXX Police Department, which details this case of fraud. Please ensure that this documentation is attached to your investigation record. 

Additionally, please provide me with the following documentation related to the disputed transactions : Copies of transaction receipts Names and contact information for the merchants involved IP addresses, device data, or location info linked to the transactions Any associated signatures or communication logs This letter also serves as a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ). I am requesting that your response to this dispute be consistent with your legal obligations and that all requested documentation be mailed to me. 

Under 15 U.S. Code 1666 ( a ), you are required to : Acknowledge receipt of this dispute within 30 days, and Conclude the investigation and provide a resolution within two complete billing cycles, not to exceed 90 days.

No interest, late fees, or collection efforts should be applied to the disputed amount while the matter is under investigation, as provided by law. 

Please confirm receipt of this letter and the police report in writing, and keep me informed of the status of your investigation. I expect XXXX XXXX XXXXXXXX to resolve this matter promptly and in full compliance with federal 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 2025-06-29 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:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX .. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Fraudulent Address XXXX XXXX XXXX XXXX XXXX GA XXXX is not in any association with me. 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-29 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:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX .. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Fraudulent Address XXXX XXXX XXXX XXXX XXXX GA XXXX is not in any association with me. 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute and Demand for Deletion under 15 USC 1681e ( b ), 15 USC 1681b, and 15 USC 1681s-2 Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute the accuracy and legality of a charge-off currently being reported on my Experian credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Creditor : XXXX XXXX Bank Account Number : No account number listed Reported Amount : {$60.00} Date of Charge-Off XX/XX/year> Legal Grounds for Dispute Under 15 USC 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting this charge-off without proper verification of its accuracy, completeness, and legal standing violates this provision. 

Under 15 USC 1681b, a credit reporting agency may only furnish a consumer report with a permissible purpose. I do not recall authorizing or providing consent for this charge-off to be reported, and I hereby request that you provide the specific permissible purpose and documentation relied upon for reporting this account.

Under 15 USC 1681s-2, furnishers of information to consumer reporting agencies are required to provide accurate information and to investigate disputes. I am formally disputing the accuracy and legality of this charge-off, and you are required to notify the furnisher immediately so they may conduct a reinvestigation.

What I Demand 1. A full reinvestigation of this charge-off, including the original signed contract, payment history, and validation of the debt, along with verification that you have a permissible purpose for reporting it.

2. The name, address, and contact information of the furnisher who reported this information. Including a non electronic Signature 3. A written explanation of the permissible purpose you relied upon for reporting this charge-off under 15 USC 1681b .

4. Deletion of this charge-off from my Experian credit report if you can not fully verify its accuracy, completeness, and legality. 
If this inaccurate and potentially illegally reported information is not deleted within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of the FCRA, and I will consider pursuing legal action under 15 USC 1681n and 1681o for damages, costs, and attorneys fees. 
Please complete your reinvestigation and provide a written response within 30 days as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ( XXXX last name XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
* Subject : * Incorrect Late Payment Reporting Toyota Financial ( XXXX XXXX  ) * Complaint : * I am XXXX XXXX disputing an inaccurately reported * late payment for XX/XX/year> * by Toyota Financial Services on my account. I have contacted Toyota * more than XXXX times *, and every time their representatives confirmed that * no late payment * exists in their records. Despite this, the late payment continues to appear on my credit reports, harming my credit score. 

My account number is * XXXX *, and the vehicle involved is a * XXXX  Toyota XXXX *, purchased under this account. 

To formally address this, I mailed a * physical goodwill adjustment request * via * certified mail with signature required * to ensure receipt and accountability. Despite clear delivery, I have * received no response *, and the inaccurate information remains uncorrected with the credit bureaus ( XXXX, XXXX, XXXX  ). 

I respectfully ask the CFPB to compel Toyota Financial to : 1. Remove the inaccurate late payment from all credit reports, or XXXX. Provide valid supporting documentation that a delinquency occurred. 

Thank you for your assistanc * Best Wishes XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
I DID NOT AUTHORIZE XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting.

I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus.

WRITTEN CONFIRMATION that these accounts have been deleted.

CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law.

This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 


XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent 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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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