vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ), 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code XXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, 15 U.S. Code XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ), 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code XXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, 15 U.S. Code XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received Annual escrow disclosure statement, I am not able to understand it is the payment changing in the month of XX/XX/2025 is it going to be {$2800.00}? 

Please see attached

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a survivor of human XXXX, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/year> I applied for a discovery bank credit card and was denied and was sent a fraudulent adverse action letter with misrepresentation and discriminate language from discovery bank credit card, I do have capacity to contract credit as well I sent tender of payment instructions for accounting and a Power of Attorney certified mail for my principal affairs which this credit is indeed for according to the federal reserve act section 16 my application is the collateral for the amount applied for and due to the principle. With knowing my contractual obligations they considered my application and did not provide value, I believe it was a unilateral contract benefitting discovery and no value has been given whilst they still obtain my property my application and my collateral social security number my intellectual property so I called to retract my application they said theyll look into it and insist that this transaction is based on a consumer report obtained without my permission of my privacy without my consent has truly damaged my principal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-18 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
An account on my chexsystems report is not my account and pursuant to the FCRA only verifiable and correct information can be reported on my report.

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 2025-03-18 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: DC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/2025 contacted Toyota Financial Services regarding my vehicle loan account. During this call, a representative informed me that I was entitled to a refund of $ XXXX and assured me that the payment was being processed. The representative explicitly stated that the refund was due to me and that I could expect to receive it. 

However, when I followed up on XX/XX/2025 another representative told me that no such refund existed and that I was not entitled to any payment. This directly contradicts the information given to me previously. Furthermore, Toyota Financial Services assured me that they would investigate and call me back within 48 hours, but I never received any follow-up. 

On XX/XX/XXXX, I spoke with another representative who admitted that a mistake had been made. Toyota acknowledged that their agent, XXXX, provided me with false information and stated that he would be trained and coached due to this issue. Despite this admission, they have failed to honor the refund that was initially promised to me. 

On XX/XX/XXXX, I sent a formal demand letter to Toyota Financial Services, requesting that they honor the refund they initially promised. Despite this written notice, I have yet to receive any response or resolution. Their continued failure to address this matter further demonstrates their disregard for proper consumer practices and their obligation to provide accurate financial information. 

I relied on their verbal confirmation and assurances that this refund was forthcoming. This situation has caused unnecessary stress and inconvenience. Toyota Financial Services has either negligently or fraudulently misrepresented material information regarding my loan account and financial obligations. This conduct is unacceptable and potentially unlawful under XXXX Consumer Protection Act, which prohibits false or misleading statements to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ex- girlfriend charged {$1200.00} to AT & T account without permission, I currently pay for AT & T account for internet but this amount is not on my bill.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance sold and charged off an account in my name in XX/XX/2022. It has continued to report this account as open and in past due status even though it has been closed and sold to a third party debt collector ( XXXX & XXXX ). I was never notified of this by either party ( Credit Acceptance or XXXX XXXX XXXX ). This account has been incorrectly reporting for the past 3 years and has negatively impacted my credit rating. I would like swift action taken. I have enclosed documents that support my claims.

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 2025-03-18 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I am writing to formally dispute inaccurate late payment information that is currently being reported on my credit file. Specifically, I am disputing the following accounts : XXXX XXXX ( XXXX ) Late Payments : XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX, XXXX, XXXX ) Should be updated to positive XXXX XXXX Bank ( XXXX ) Late Payments:XXXX  ( XXXX ) Should be updated to positive XXXX ( XXXX, and XXXX ) Should be updated to positive These accounts have been reported with late payments that I believe to be inaccurate. Under 15 U.S.C. 1666n of the Fair Credit Billing Act, I am exercising my right to dispute this information and request that you promptly investigate these entries. 

As per the law, I am requesting that you provide documentation substantiating the late payments reported on these accounts. If you are unable to provide proof of these late payments, I request that the information be removed from my credit report. 

According to 15 U.S.C. 1666n, I am formally notifying you of the billing error and request that you investigate the matter and take the appropriate corrective action. Please inform me of the results of your investigation within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). 

For your reference, I have enclosed a copy of my credit report, highlighting the disputed items. Should you require further information, please feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution. 

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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
I wasnt sure if I should check yes or no, but I want to let you know that because I do not want to give any false information when answering the previous questions. DRS is the name of the company. I have tried to contact them multiple times. Ive left multiple voicemails with no response. The reason I checked the yes button to if I contacted them is because Ive tried to get information. I just wanted to be honest with you about my responses. 

I have a {$1600.00} account on my credit reports from DRS. I have no idea what this account is. I do not have any accounts that are behind or that I have not paid. I was not given any information prior to them reporting to the credit agencies so I could dispute it within the 30 day timeframe, or to find out what the account is regarding. It is affecting my credit negatively and I have been working so hard this past year to keep my credit in good standing and to pay my bills so my credit gets higher. I even pay to have experian monitor my credit, I take my credit very serious. Had I been notified of this account I would have investigated. I did dispute this with XXXX however, they told me it would stay on my credit. They didnt give me any other information regarding this account ( unless I am not looking in the correct area on my experian account ). So unfortunately I am sorry but I have no information to give you other than the credit agency reporting this. Please help me get this removed. Thank you so much I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXXXXXX XXXX XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-03-18 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXXXXXX XXXX XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: GA

Complaint narrative:
I went through XXXXXXXX with XXXX XXXX XXXX and then they filed for XXXX XXXX XXXX in XXXX of XXXX then in XXXX of XXXX the charges were converted to to XXXX  XXXX. XXXX XXXX XXXX ( XXXX ) " Relationship of Parties. Buyer acknowledges and agrees that XXXX is not a lender but rather the payment processing service provider of Provider '' ( Written contract between the buyer and XXXX ) were still trying to charge me for services not provided. I have written email to XXXX to cease all effort of collection but they continued anyways. The account has been since since transferred to XXXX and been sent wrongfully to collection impaction my credit. I've sent letter to XXXX to verify their right to collect and since no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation