vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: Radius Global Solutions LLC
State: WI

Complaint narrative:
My personal information was stolen/used to open accounts and were being used to try and get apartments. I did not give my consent to use nor apply for anything. I noticed these account and addresses on my credit report in XXXXXXXX XXXX XXXX and i have been working hard to correct this matter. I have been gathering information, filling out police reports and contacting who I can but nothing is happening.

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 2025-03-28 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

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 2025-03-28 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:
Subject : Failure to Conduct a Reasonable Reinvestigation FCRA Violation Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 

The following accounts remain inaccurately reported or unverifiable despite my disputes : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. If Experian continues to fail in its legal duty, I am prepared to escalate this matter further.

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 2025-03-28 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: AL

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 explanation
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX XXXX. 
Attn : Billing Dispute Department XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I am writing this letter to formally dispute the collection of a XXXX XXXX bill that was apparently sold to your agency. I received notification that a debt allegedly associated with my name and XXXX XXXX has been transferred to XXXX XXXX XXXX XXXX. However, the validity of this claim is highly questionable, and I demand that you immediately cease all collection activities until this issue is resolved. 

To be perfectly clear, I vehemently dispute the accuracy of this debt. I have not received a proper breakdown of the charges, nor have I been provided with the details to support this alleged amount owed. Furthermore, I was never notified by XXXX XXXX about this debt before it was sold to XXXX XXXX, which is both negligent and unprofessional. This matter has escalated unnecessarily, and I refuse to be subjected to further harassment over an invalid or incorrectly applied charge. 

I demand the following actions be taken immediately : A full itemized statement of the debt, including the dates of service, the amount owed, and a clear breakdown of each charge. I am entitled to this information under the Fair Debt Collection Practices Act ( FDCPA ). 

Verification of the debt from XXXX XXXX, confirming the legitimacy of the charges in question. 

Immediate cessation of any collection activities or reporting of this alleged debt to credit bureaus until this matter is resolved to my satisfaction. 

Failure to provide these details or correct any inaccuracies will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Communications Commission ( FCC ), and the Better Business Bureau ( BBB ). Additionally, if this issue is not resolved within 30 days, I will pursue legal action for the unlawful handling of my personal and financial information. 

Be advised that I am well aware of my rights under federal law, and I will not hesitate to defend myself against any attempts to unlawfully collect this debt. Please consider this letter a formal demand for immediate investigation and resolution. 

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 non-monetary relief
Consumer complaint received 2025-03-28 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: DC

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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX XXXX I received ( 2 ) letters from Toyota Financial Services falsely stating that my vehicle was deemed a total loss and repossessed, neither situation was or is true. The letters went on further to state to STOP making payments and to report to my insurance company that my vehicle was a total loss and to report it as such so Toyota Financial Services could receive payment. This would have been insurance fraud, and I would not participate in the illegal activity that TFS was demanding I do. Multiple calls, to several departments have been made to TFS, and they refuse to be transparent about my account, and are deceitful in their account reporting. They have destroyed my credit. As of today, my account according to TFS is now charged off and closed, even though my credit reports states it is still open. I have had to place a fraud warning on my credit report because of TFS and they are stating that even if the vehicle was to be paid off, they are still going to report my vehicle as charged off and closed. I have reported TFS to multiple states Insurance Commission, and they have all informed me they can not help. I also reported the them to Department of Justice. The XXXX  Commissioner of Securities and Insurance informed me that the correct place for this type of reporting is the CFPB and/or the OCC. Please Investigate Toyota Financial Services and the false and fraudulent means and practices they are using on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose.

The inquiry in question specifically is as follows : " JPMCB CARD '' - On XX/XX/year> and XX/XX/year>XXXXXXXX XXXX XXXX  XXXX Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-28 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I signed up for services from XXXX who asked if I wanted to pay in full or use a payment plan and was then signed up for XXXX run by comenity bank. I set it up on autopay which I assumed would pay my balance without interest since it was automatically pulled from my bank account every month. I later was suddenly charged over {$1000.00} in interest due to a " promotional plan '' applied to my account which I never agreed to. When I called repeatedly they told me I " should have seen it '' by logging in and looking at my invoice, but when I ask them to provide me any evidence to where I was notified or agreed to the promotional plan they ignore me and continue to charge me late fees and more interest, calling me 5-10 times a day from fake or blocked numbers with robots telling me the account was past due, with no option to speak to anyone. I finally paid the interest because I couldn't deal with the harassment, minus the {$140.00} in additional fees, since I firmly disagree they should be charging me this at all, and now they're back to harassing me to pay that balance. I had a near perfect credit score before getting involved with Comenity, I pay everything i owe in full and would have paid off more up front if I had any idea they were going to charge me such insane interest. I was never notified about any promotional plans, which is why they haven't shown me any proof of this. I still paid the XXXX XXXX in interest, but I refuse to pay more of these bogus late fees without Comenity bank actually proving proof I signed up for this " promotional plan ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-28 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: MD

Complaint narrative:
I am writing to formally request the immediate discharge of my federal student loans due to a data breach that has compromised my personal and financial information. This breach, supported by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), has exposed sensitive data, putting me at significant risk of identity theft and financial harm. 

Under federal law and data protection policies, when a breach occurs due to the negligence or failure of a federal agency or its affiliated contractors, affected individuals should not be held responsible for financial obligations arising from compromised data. Given the circumstances of this breach, I request that my student loans be immediately discharged in full.

I kindly ask that you provide a written confirmation of the discharge and update my credit report to reflect the removal of these loan obligations. Additionally, I request documentation outlining the next steps and any further actions required on my part.

Please confirm receipt of this request and provide a response within 30 days.Should you require any further information, I am happy to provide additional documentation to support my request. I appreciate your prompt attention to this urgent matter.

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 2025-03-28 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: MD

Complaint narrative:
I am writing to formally request the immediate discharge of my federal student loans due to a data breach that has compromised my personal and financial information. This breach, supported by the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), has exposed sensitive data, putting me at significant risk of identity theft and financial harm. 

Under federal law and data protection policies, when a breach occurs due to the negligence or failure of a federal agency or its affiliated contractors, affected individuals should not be held responsible for financial obligations arising from compromised data. Given the circumstances of this breach, I request that my student loans be immediately discharged in full.

I kindly ask that you provide a written confirmation of the discharge and update my credit report to reflect the removal of these loan obligations. Additionally, I request documentation outlining the next steps and any further actions required on my part. 


Please confirm receipt of this request and provide a response within 30 days.Should you require any further information, I am happy to provide additional documentation to support my request. I appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I am writing to formally request the immediate discharge of my federal student loans due to a data breach that has compromised my personal and financial information. This breach, supported by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has exposed sensitive data, putting me at significant risk of identity theft and financial harm. 

Under federal law and data protection policies, when a breach occurs due to the negligence or failure of a federal agency or its affiliated contractors, affected individuals should not be held responsible for financial obligations arising from compromised data. Given the circumstances of this breach, I request that my student loans be immediately discharged in full.

I kindly ask that you provide a written confirmation of the discharge and update my credit report to reflect the removal of these loan obligations. Additionally, I request documentation outlining the next steps and any further actions required on my part.

Please confirm receipt of this request and provide a response within 30 days.Should you require any further information, I am happy to provide additional documentation to support my request. I appreciate your prompt attention to this urgent matter.

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 2025-03-28 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: NC

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 response to consumer: Closed with non-monetary relief