vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I contacted Toyota Financial Services ( TFS ) to request a payment extension because I was between jobs and set to begin a new job on XX/XX/XXXX. During the call, a TFS representative offered me a payment extension and instructed me to complete and return an electronic agreement using a secure link sent to my email. I completed the necessary paperwork with my mother the very next day and submitted it via the same secure link, as instructed. I even called a week or so later to make sure they received everything as I was receiving collection calls. I was told not to worry and everything was approved, but the manager still had to fix the account. 

The document clearly stated that electronic signatures are an acceptable method of submission. Despite following all directions and submitting the extension agreement on time, TFS claims they never received the paperwork. As a result, they have reported my account as 30 days past due, which is both inaccurate and harmful to my credit. 

I have made every reasonable effort to comply with TFSs instructions, and I am requesting that this error be corrected immediately. The delinquency should be removed from my credit report as I was acting in good faith and fulfilled my end of the agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I settled a collection account and paid leaving a XXXX balance. The company stated in the confirmation letter and or email that they will delete collection from credit report. That was not done. I disputed item and submitted copy of receipt where it states they agree to delete after payment was received. Experian says they will not delete account. This harms my credit and agreement is not fully resolved

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 2025-04-11 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: IN

Complaint narrative:
Consumer Name : ( 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 TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$30000.00}, heritage acceptance Account # XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$700.00}, XXXX, XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX bal. {$600.00}, XXXX XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX bal. {$580.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$180.00}, XXXX XXXX Account # : P**** date opened XX/XX/XXXX bal. {$200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Company : American Express Account Type : Personal Credit Card Dispute Reference Number : XXXX Date of Transaction : XX/XX/year> Merchant : LunaJets I am filing this complaint because American Express wrongfully rebilled a disputed charge despite the merchant ( LunaJets ) failing to provide any credible or verifiable evidence to support their claim. The charge is for a private jet roundtrip charter that never occurred. No service was rendered, yet I was charged the full amount. 

I submitted a detailed dispute with : A copy of the contract with LunaJets, Evidence showing I complied with all contractual obligations, A passenger declaration confirming that I did not act in any disruptive manner, And documentation proving the merchants explanation is internally inconsistent and unsupported. 

In contrast, XXXX submitted only an unsigned, unnamed, and unverifiable document with no official letterhead, no names, and no accompanying proofjust a unilateral narrative. 

Despite this, American Express stated that they can not get between the merchant and me and decided to close the dispute in favor of the merchant, without addressing the imbalance in the quality or credibility of the evidence provided. In short, American Express refuses to consider my evidence and it is taking for granted the unsupported allegations from the merchant. 


Under the Fair Credit Billing Act, credit card issuers like American Express are required to fairly evaluate disputes and not blindly side with the merchant, especially when the merchant has not provided evidence that meets any reasonable standard of verification.

American Expresss decision : Ignores the fact that the flight never occurred.

Accepts unsubstantiated claims from the merchant.

Dismisses my verified and well-documented rebuttal, including contractual citations and witness statements.

Conflicts with Amexs own chargeback rules about service not rendered and evidence standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I have already disputed this item with the credit reporting agency, and I am not satisfied with the results of their investigation.

Specifically, I dispute the account aidvantange as being inaccurate, incomplete, or unverifiable. The credit bureau has not provided adequate documentation to prove the account is accurate or verified the process used to determine its validity. Under FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the disputed information, including the name, address, and telephone number of the furnisher.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am disputing a PNC Bank XXXX XXXX account that appears on my XXXX credit report under the number XXXX. The account shows as a secured credit card opened on XX/XX/2021, charged off, and sold to another lender, with a high balance of {$500.00}, a credit limit of {$300.00}, and a closed date of XX/XX/2021. 

I never authorized, used, or agreed to this account. I first noticed it on XX/XX/2021 via the annual credit report site. I attempted to dispute it with the credit bureau, but the account remains, now marked as Account previously in dispute now resolved. I have never received documentation proving this account belongs to me, and the remark that it was purchased by another lender and charged off is damaging my credit unfairly. 

PNC did not provide any verification to me directly, and I believe they failed to conduct a reasonable investigation, as required under FCRA 623 ( b ). The continued reporting of a disputed, charged-off, and sold account that I do not recognize is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Subject : Formal Dispute of Inaccurate and Misattributed Information on My Equifax Credit Report Dear Equifax Dispute Department, I am writing to formally dispute several inaccurate and misattributed items currently appearing on my Equifax credit report. It appears that my credit file has been erroneously mixed with that of another individual named XXXX XXXX, leading to the inclusion of accounts and inquiries that do not pertain to me. 
Disputed Information Not Belonging to Me : Address : XXXX XXXX XXXX, XXXX, CA XXXX Accounts : XXXX XXXX XXXX {$17000.00} Capital XXXX XXXX {$0.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$4300.00} Inquiries : XXXX  XXXX XX/XX/year> Capital XXXX XX/XX/year> Accounts That Should Be Reporting on My Equifax Credit Report : XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX Bank {$0.00} XXXX  {$0.00} These accounts are accurately reflected on my XXXX credit report, which I have enclosed for your reference. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and pertains solely to my credit history. The inclusion of another individual 's information violates the FCRA 's requirement for " maximum possible accuracy '' in credit reporting. 
creditreportlawgroup.com Requested Action : I respectfully request that Equifax : 1. Conduct a thorough reinvestigation of the disputed items listed above.

2. Permanently remove all information not associated with my credit history.

3. Ensure that only accounts and inquiries verifiably linked to me are reported.

4. Provide written confirmation of the corrections made to my credit report.

Enclosures : Copy of my XXXX  credit report highlighting accurate accounts.

Copy of my Equifax credit report with disputed items indicated.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe stipulated by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid {$41.00} to XXXX for an oil change service when I arrive to the oil change place I was not given the service despite having an appointment. I went to a different location which shouldve still ordered the XXXX and they didnt so after complaining to XXXX I paid {$41.00} to XXXX for a oil change service when I arrive to the oil change place I was not given the service despite having an appointment. I went to a different location which shouldve still ordered the voucher and they didnt so after complaining to XXXX XXXX I requested a refund and they told me they would not be giving me a refund. I then requested the refund from my bank since I was not given the service that I paid for and theyre telling me to reach out to the merchant which I already did so I need to escalate this higher because I need to receive my money back from this charge because they did not provide me the service that I paid for and thats not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX Subject : Formal Debt Dispute and Request for Validation To Whom It May Concern, This letter serves as formal notice that I dispute any and all alleged debts that you claim I owe. I do not acknowledge any obligation to your agency and deny any indebtedness.

Furthermore, I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request a full and complete validation of the alleged debt. This includes but is not limited to : 1. Validation of Debt A complete itemized statement showing the original amount of the debt, all interest, fees, payments made, and the current balance.

2. Proof of Ownership A copy of the purchase or assignment agreement between your agency and the original creditor.

3. Licensing and Bonding Proof that your agency is licensed and bonded to collect debts in my state. 
In addition, effective immediately, I revoke any and all rights to contact me via phone calls, text messages, emails, or any other electronic communication. All communication must be in writing and sent to the address listed above.

Any further contact that does not comply with this request may be considered harassment and a violation of the FDCPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Earlier today, I saw that my credit report included some false accounts, and I dont understand how they ended up there. I regularly monitor my credit, but this time I noticed some inconsistencies that came out of nowhere. I attempted to refresh the page, hoping it was just a technical problem, but nothing changed. Because of this, Im asking that the materials I submitted be thoroughly examined to prevent any further concern.

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I was renting with XXXX XXXX XXXX XXXX. I did a surety bond that states that any damage to the property in covered under the bond. The company put a claim of {$730.00} on my credit without an written documentation of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian refused to dispute a card from XXXX XXXX on my account. I was an authorized user on a business account for a company I worked for. I was removed in XXXX by XXXX XXXX and when disputing the card on my account Experian refused my dispute and continued to have me as a user on an account that I am not on. Refusing my dispute means they are providing false information on my credit report. I had to dispute again and proved email from XXXX XXXX stating I was removed along with another credit reporting agency ( XXXX ) who approved my claim and removed the card from my account. Experian is providing false Information to my creditors and lenders regarding my account which prevents me from closing on a home.

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 2025-04-11 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this 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 2025-04-11 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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