vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Our XXXX XXXX XXXX was totaled on XX/XX/XXXX. I called XXXX  financial services as soon as we knew it was totaled to cancel our extended warranties. I was told it will take XXXX business days to be refunded. I didnt receive anything in that time frame. I called back. XXXX said oh we forgot to complete a form. They filled out whatever and in XXXX weeks I received XXXX check but not the other. Called again. Was told XXXX business days because it needed approval. Again waited. Finally received a check for XXXX on XXXX and deposited into my account. Bought another car, finally! Needed that for a down. A week later, the check is reversed causing my account to go negative. XXXX hours on the phone with them and my bank and XXXX finally told me to take the check to their bank ( XXXX  ) and cash it there. The following day XX/XX/XXXX my husband takes off work early and I meet him at XXXX only for them to tell me that the check shows its only in my name in the system but the actual check has both of our names. I call again ( now like my XXXX time ) for them to cancel this check and issue me a new one. I explain that my account is overdrawn because of their error and they should overnight the check to me. I havent received anything. I called just now and was told its in process. XXXX is a XXXX dollar company and I live paycheck to paycheck and they dont care that I have negative money because of their error!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

I demand the late payment reported to be removed/updated.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-24 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: CT

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit file reporting it as late 90 days. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, XXXX # : XXXX, Has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-02-24 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:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-24 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
I am reaching out to formally request assistance regarding a non-functional solar system and an unresolved loan issue involving XXXX XXXX XXXX XXXX Sunlight Financial and XXXX XXXX XXXX I purchased my solar system through XXXX XXXX, and despite having a XXXX warranty, the company has gone out of business, leaving me with no way to claim service or necessary repairs. Meanwhile, Sunlight Financial continues to hold me responsible for loan payments on a non-working system. 

I have made multiple attempts to resolve this issue with Sunlight Financial : Initial Complaint : I was told it would take a few weeks for someone to follow up, which is unacceptable as I am still expected to make payments while my system is not operational. 
Loan Deferral Request : Another ticket was created, but the representative told me she had no idea when someone would contact me. 

It is unreasonable to require me to continue making payments for a system that is not providing the service I was contractually promised. XXXX XXXX was willing to replace the damage software but XXXX XXXX  and Sunlight financial refused to complete the work guaranteed under my 5 year workmanship contract signed for this loan. I am requesting guidance on how to proceed, including whether I have legal grounds to suspend or cancel the loan due to breach of contract and failure of service. 

Furthermore, I am aware that there are multiple lawsuits against XXXX XXXX and Sunlight Financial for violations of state consumer protection laws and Floridas Deceptive and Unfair Trade Practices Act ( XXXX ) due to misleading sales tactics. I am a victim of this widespread scam, and I refuse to be held financially responsible for a fraudulent transaction. 

To escalate this matter, I have already filed complaints with both the XXXX XXXX XXXX XXXX XXXX XXXX and through the Florida Attorney Generals website. While I await responses, I am seeking your offices guidance on how to proceed. What legal options do I have to dispute this loan or hold these companies accountable? Are there any ongoing state investigations or consumer protection actions that I may join? 

Additionally, I saw that the XXXX  Attorney Generals Office is pursuing legal action against XXXX XXXX but that XXXX XXXX has filed XXXX  XXXX. 

I would greatly appreciate any assistance your office can provide in determining the best course of action to resolve this issue, whether through legal channels, regulatory enforcement, or other available consumer protection measures. 

Please advise me on the next steps I should take to ensure this matter is handled appropriately. Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally dispute the fraudulent account ( s ) that have been reported under my name. I recently discovered that the following account ( s ) do not belong to me and were opened without my authorization : Account Number ( XXXX ) : XXXX Date Opened : XX/XX/2018 Amount Charged : {$3500.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I HAVE REPORTED DEBT REPORTING NUMEROUS TIMES..COMPANY HAS CHANGED ITS NAME, EXPERIAN HAS FAILED TO SEND ORIGINAL APPLICATION OF DEBT, THEY KEEP CHANGING OPEN DATES, DEBT IS BEING BOUGHT BY OTHER AGENCIES. 

NATIONAL CREDIT ADJUSTERS, L.L.C Account number XXXX .... 
Recent balance {$830.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX MAB Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$830.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
Comment history

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