vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX Balance : {$3600.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance : {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$600.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance : {$270.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$210.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance : {$200.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$130.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$130.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$120.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$100.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$91.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$48.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$19.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$1400.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/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 2025-05-20 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Wrong accounts dont belong to me collections not mine

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 2025-05-20 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:
Wrong accounts dont belong to me collections not mine

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 2025-05-20 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:
Back on XX/XX/XXXX I requested that Experian formally dispute and request the immediate block and removal of fraudulent information from my credit report in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I believe I am the victim of identity theft, and the following information on my credit report is not associated with any transaction or account authorized by me. Experian have already received Police Report, FTC, and Court Documents but no action has been corrected. I have listed the accounts that does not belong to me. 

Fraudulent Account Information : Creditor Name : XXXX XXXX  Account Number ( if known ) : Type of Account : CREDIT CARD Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number ( if known ) : Type of Account : CREDIT CARD Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX  Account Number ( if known ) : Type of Account : CREDIT CARD Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number ( if known ) : Type of Account : CREDIT CARD Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number ( if known ) : Type of Account : CREDIT CARD Date Opened : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX Account Number ( if known ) : Type of Account : AUTO LOAN Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX  Account Number ( if known ) : Type of Account : AUTO LOAN Date Opened : XX/XX/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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-20 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: NJ

Complaint narrative:
After pulling my credit report, I noticed some serious mistakes with my personal informationspecifically, a wrong name and an address Ive never lived at. My legal name is XXXX XXXX XXXX, but my report shows an incorrect variation : XXXX XXXX XXXX. Ive also lived at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX for the past XXXX years, but I found an unrelated address listed : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, which I have no connection to. I am a victim of identity theft, and I believe these inaccuracies may be linked to someone who attempted to use my information to open an account without my permission. Also, my employment information is missing. I currently work at XXXX XXXX XXXX XXXXXXXX, and that should be added to my file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit bureaus are required to ensure the maximum possible accuracy of the information they report. Including a wrong name, an address I never lived at, and failing to show my employer violates that requirement and impacts my credit profile. Im asking for these inaccuracies to be removed and for my correct employment to be added immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: KY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial services was supposed to endorse the check to pay for fixing my car. It's been almost XXXX year and a half, and they have lost the check XXXX, wasting a lot of time and showing a very chaotic system. They are making impossible to get the check, endorsed and I submitted everything they wanted and they even sent confirmation notice that they got all my paperwork and that everything was going to be approved. On the phone others agenta have told me before that everything was going to be ok but every week, everymonth there is a new surprise. 

On the website they told me that everything is correct, but in other statements they say im sending other info, which sounds very chaotic on their end, looks like they are not organized and that unprofessional behavior has created a lot of trouble for costumers like me. 
Just now they say they are not going to endorse the check but they are trying to force me me to deposit the check as payment to the principal payment. 
I bought the car to work as a rideshare driver, for many platforms but ecause of this I have been unable to work as a driver for over a year affecting seriously my income and getting me in a lot of debt. I had to borrow for money to pay for the fixing of the car and since I couldn't work I got in more debt doing the payments. 
Every agent gives me a different version and request more and more ridiculous things. 
Looks like every time they have a new policy, or a a new obstacle that they never mentioned before and it is really affecting my life and mental health, again it's been a year and some months with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I recently noted that there are fraudulent accounts on my credit report and sent a complaint to company to delete the accounts in question. Some were not deleted as requested but closed. I wanted all the accounts in question be deleted not just closed. A couple were not deleted but updated, even though I created a identity theft report and sent it to company so that the accounts can be deleted.

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 2025-05-20 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-20 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:
" 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kikoff Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to raise serious concerns regarding Kikoffs conduct in handling my identity theft dispute. Despite providing all required documentation, including a police report and identity theft affidavit, I have been met with a hostile tone, dismissive responses, and no actual proof of investigation from Kikoff.

Hostile and Intimidating Language Kikoffs language is not only unprofessional, but borders on intimidation. For example : frivolous nature of the identity theft claim any further frivolous claims will be considered duplicate Statements like these are threatening and discourage me from exercising my legal rights under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). This type of tone is not only unacceptable it undermines the purpose of these consumer protection laws. 

Ongoing Lack of Proof of Investigation Kikoff repeatedly claims they have investigated my dispute, yet they have provided : No documentation of the investigation No timeline No names of individuals involved No information on what was reviewed or how In short, there is zero transparency. Simply saying an investigation was conducted, over and over, without providing any actual evidence is not acceptable especially when they are using those claims to dismiss my rights. 

Legal Missteps and Misjudgments 1. Dismissive of the Evolution of My Claim Initially, I noticed reporting issues ( e.g., late payments ). As I dug deeper, I discovered the account may be entirely fraudulent. This is not unusual its how identity theft often unfolds. Using the evolution of my complaint against me is disingenuous.

2. Improper Judgment of My Intent Kikoff labeled my identity theft claim as frivolous. That is a subjective legal conclusion they are not entitled to make. Only a regulator or a court can determine whether a complaint lacks merit when documentation has been properly submitted.

3. Threat to Dismiss Future Valid Disputes Their warning that any further claims will be deemed duplicates unless I submit new and definitive evidence violates my rights under federal law. Each identity theft dispute must be treated on its own merits, especially when new context or concerns arise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XXXX XXXX XX/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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-20 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: PA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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