vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} This shocked me because Ive been actively enrolled in a structured payment plan for my XXXX XXXX. Ive attached the official confirmation from XXXX XXXX and XXXX XXXX showing that I entered a 0 % XXXX payment plan starting XX/XX/XXXX, agreeing to pay {$110.00} monthly for 12 months, with a final payment due XX/XX/XXXX. To be absolutely clear, I have never missed a payment under this plan. 
In fact, I made a payment of {$230.00} on XX/XX/XXXX, which Ive also included documentation for. 
These payments not only brought my account current but clearly demonstrate my commitment to resolving debt in a responsible manner. Despite this, TransUnion continues to report that I was delinquent which could not be further from the truth.

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 2025-09-08 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: NC

Complaint narrative:
This id a continued complaint. I have reached out the EQUIFAX AND TRANSUNION regarding the XXXX XXXX ACCOUNT, reporting to my credit report. Equifax has stated to me that verification method used to validate accounts is sent electronically and the company responds electronically ( never providing LEGAL DOCUMENTATION REQUIRED UNDER FREDERAL LAW ). I have reached out this agency in multiple occasions requesting this information in which the false creditor has failed to provide as well as the credit bureaus. Under section 609a of the FCRA, you must provide me with original wet ink signature contracts, validation the debt reporting to my credit report. As previously stated, I am the ONLY owner of XXXX XXXX XXXX XXXX, a natural person, and any negative information reporting in order to defame this name will result in a litigation process against all agencies reporting this information. EQUIFAX also state that information is verified through court records, which I have contacted the county & state clerk who has informed me via writing that they do not verify third party information. THIS IS THE FINAL REQUEST FOR THIS ACCOUNT TO BE PERMANENTLY DELETED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the following hard inquiries as I have no relation XXXX these itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
This id a continued complaint. I have reached out the EQUIFAX AND TRANSUNION regarding the XXXX XXXX ACCOUNT, reporting to my credit report. Equifax has stated to me that verification method used to validate accounts is sent electronically and the company responds electronically ( never providing LEGAL DOCUMENTATION REQUIRED UNDER FREDERAL LAW ). I have reached out this agency in multiple occasions requesting this information in which the false creditor has failed to provide as well as the credit bureaus. Under section 609a of the FCRA, you must provide me with original wet ink signature contracts, validation the debt reporting to my credit report. As previously stated, I am the ONLY owner of XXXX XXXX XXXX XXXX, a natural person, and any negative information reporting in order to defame this name will result in a litigation process against all agencies reporting this information. EQUIFAX also state that information is verified through court records, which I have contacted the county & state clerk who has informed me via writing that they do not verify third party information. THIS IS THE FINAL REQUEST FOR THIS ACCOUNT TO BE PERMANENTLY DELETED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the following hard inquiries as I have no relation XXXX these itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
The long and the short of it is, I had made arrangements with Mazda financial services to put two payments at the end of my loan I had signed and sent back the extension agreement thinking everything was OK. I did receive numerous calls from a number I do not know, but with no message left. Apparently there was something wrong with the extension agreement. I was advised to use a free fax service from Mazda as I dont own a fax machine and they do not accept emails, but they will accept emails in late stage.

In early stage collection, Mazda uses an automated dialer, but as it gets further past due, it is then manually worked.

Somebody would have seen that I applied for an extension, but nobody left me a message or sent me an email. Nothing causing my car to get repossessed and having to pay for additional fees. 
I just would like Mazda to refund the repossession fees as this couldve been avoided if people wouldve read the notes. 
But furthermore, how many other people is this happening to resulting in fees that shouldnt have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: WI

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NM

Complaint narrative:
I received a Vanilla Visa Gift Card before XX/XX/year>, with a value of approximately {$110.00}. I used the card several times at XXXX for small purchases, and by late XXXX the remaining balance was about {$88.00}. 

Around XX/XX/year>, when I attempted to use the card again, I found it had been unexpectedly placed on hold without any explanation. I contacted Vanilla customer service, but the representative spoke very fast and was difficult to understand. They told me I would need to provide a utility bill or bank statement in order to receive a replacement card by mail. 

I do not have access to such documents because the card was given as a gift. I believe this is an unfair and deceptive practice. I did not engage in any suspicious activity, and yet my remaining funds were locked away with no recourse. This experience has been stressful and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I declare that the late payment remarks on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am disputing this account/information because my personal data was illegally accessed during the recent XXXX data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute the late payment reporting associated with the XXXX XXXX XXXX  account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) currently appearing on my TransUnion credit report. 
According to your report, this account is open with a balance of {$21000.00} and a status of XXXX 30 Days. The payment history shows repeated XXXX and XXXX late marks, particularly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I firmly contest. I have consistently worked to keep this account in good standing and believe the negative payment history shown is either outdated, inaccurately reported, or unverified. 
Additionally, I have reviewed reports from other credit bureaus, and while late payments may appear, there are discrepancies in the months and severity of delinquency, indicating inconsistent and potentially unreliable data being furnished to TransUnion. Under FCRA 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in credit reporting, and under 611, I am entitled to a full reinvestigation of disputed information.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the late payment reporting associated with the XXXX XXXX XXXX  account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) currently appearing on my TransUnion credit report. 
According to your report, this account is open with a balance of {$21000.00} and a status of XXXX 30 Days. The payment history shows repeated XXXX and XXXX late marks, particularly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I firmly contest. I have consistently worked to keep this account in good standing and believe the negative payment history shown is either outdated, inaccurately reported, or unverified. 
Additionally, I have reviewed reports from other credit bureaus, and while late payments may appear, there are discrepancies in the months and severity of delinquency, indicating inconsistent and potentially unreliable data being furnished to TransUnion. Under FCRA 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in credit reporting, and under 611, I am entitled to a full reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I declare that the late payment remarks on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

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 2025-09-08 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 2025-09-08 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 am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I declare that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year> I was contacted by individuals impersonating jail officials. They claimed my family member had been arrested and required bail or pretrial fees. I received calls from a No Caller ID number and later from the number XXXX. They pressured me to send {$810.00} immediately before the jail closed. I sent the money through XXXX from my US Bank account. 

After sending the money, I was contacted again and asked to send additional funds. At that point, I realized it was a scam. The caller admitted they had taken my money because I called them out on it and said it didnt sound right. I reported the incident to my bank the same day and filed a police report. My bank has so far not refunded me. 

I am requesting assistance because I was the victim of a scam involving XXXX, and I believe the bank should take action to recover or reimburse the fund.

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 2025-09-08 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I declare that the late payment remarks on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

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