vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-10 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I continue to receive harassing communication from XXXX XXXX XXXX XXXXXXXX, regarding a PNC consumer credit card, which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IN

Complaint narrative:
I am filing this complaint regarding inaccurate items in my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of these items as it is incorrect I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit this fraudulent. I have multiple hard inquiries on my credit report which is very disgraceful for the companies to do without caring about the impact it holds! The companies included 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 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
XXXX tried to collect wrong amounts and still have items that are closed on my account also have late payments with toyota finacial that they never called or asked me for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I believe XXXX ( previously XXXX XXXX ) and my school engaged in predatory lending against me. I was told in order to attend the school I could not get federal aid, and as a XXXX back iXXXX XXXX who wanted to attend college, I took them on their word. Why wouldn't I, they had no reason to lie to me. But come to find out my school had a pattern of misconduct that has been since well documented. I was given no credit counseling, truth in lending disclosures were not made available to me and no one explained to me how repayment would happen or when. All I was told to do was fill out this form for them and they could supply to money. I borrowed {$100000.00} and fast forward 20 years my balance is now over {$140000.00} and I have made by my calculations {$50000.00} or more in payments. XXXX never gave me a chance to make payments that I could afford my only option was to continue to take forbearances because I struggled to make any money, for about 5-10 years after college, never working in the industry I got my degree in. XXXX continues to only give me a short-term option that is still out of my reach for monthly payments and when one ends and I start another, they payment gets anywhere from XXXX dollars more each time. I have written letters explaining my situation and my financial struggles but to no avail only one option has continued to persist, and I only fall deeper into debt. As seen in the public eye XXXX has been involved in my high-profile class action lawsuits regarding similar cases just like mine and lost in court. XXXX is more than couplable and all I have ever asked was for a more reasonable way to repay but as the 20 years have gone by, my debt will never be paid back and only continues to grow as my family continues to struggle. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXXXXXX 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 2025-03-10 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: KY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume 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 2025-03-10 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
In late XXXX I got a letter from Harris & Harris stating that I owed them for unpaid toll tickets. In the letter, the toll tickets were from XXXX. I have never received any notification about the unpaid toll tickets from Harris & Harris. The DMV and roll faculty never sent me anything. So I called Harris & Harris I asked to speak to the manager and I said what is this. He said it was from XXXX XXXX tunnels from XXXX. I said why am I just now hearing about this now. So the manager said that if I did not pay he was going to call the DMV and put on hold my vehicle registration and he did. Ive never heard of or had any problems with registering my vehicle for the last four years but all of a sudden I cant register my vehicle. Ive reached out to the commissioner of the DMV that was really no help.

In Virginia, the statute of limitations for unpaid toll tickets is two years, meaning a toll facility can not pursue legal action, including sending the debt to a collector, after two years from the date of the toll violation.

unpaid tolls typically can not be four years old ; most states have a statute of limitations on how long a toll agency can pursue collection on an unpaid toll, which is usually much shorter, often within a year or two depending on the jurisdiction Virginia House Bill 1069-The bill provides for a two-year statute of limitations for all toll violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Information Due to Equifax Data Breach Dear Equifax, I am writing to dispute inaccurate information on my credit report related to the Equifax data breach. I believe that my personal information has been compromised and may be affecting my credit report inappropriately. I am requesting that you investigate this issue and make any necessary corrections. 

Details of Dispute : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Report/Account Number ( if applicable ) : XXXX  XXXX, XXXX & XXXX Bank Inquires : XXXX  XXXX, XXXX  XXXX, XXXX  of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Collections : XXXX  XXXX XXXX  I understand that my information was potentially compromised in the XXXX Equifax data breach. I have reviewed my credit report, and I have noticed discrepancies that I believe are related to this breach. Please investigate the affected accounts and take appropriate action to correct any errors. 

I am requesting that you verify the accuracy of the information on my report and, if necessary, correct or remove any inaccuracies caused by fraudulent activity linked to the breach. 

Please confirm that my dispute has been received and let me know the steps you will take to resolve this issue. Additionally, I request a copy of the updated credit report after any corrections are made. 

If you need any further information or documentation to assist in your investigation, please let me know. 

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 2025-03-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Information Due to Equifax Data Breach Dear Equifax, I am writing to dispute inaccurate information on my credit report related to the Equifax data breach. I believe that my personal information has been compromised and may be affecting my credit report inappropriately. I am requesting that you investigate this issue and make any necessary corrections. 

Details of Dispute : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Report/Account Number ( if applicable ) : XXXX  XXXX, XXXX & XXXX Bank Inquires : XXXX  XXXX, XXXX  XXXX, XXXX  of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Collections : XXXX  XXXX XXXX  I understand that my information was potentially compromised in the XXXX Equifax data breach. I have reviewed my credit report, and I have noticed discrepancies that I believe are related to this breach. Please investigate the affected accounts and take appropriate action to correct any errors. 

I am requesting that you verify the accuracy of the information on my report and, if necessary, correct or remove any inaccuracies caused by fraudulent activity linked to the breach. 

Please confirm that my dispute has been received and let me know the steps you will take to resolve this issue. Additionally, I request a copy of the updated credit report after any corrections are made. 

If you need any further information or documentation to assist in your investigation, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief