vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Credit Report Dispute Request for Removal of Repossession, Inquiries, XXXX XXXX, and Collections** Dear Dispute Department, I am writing to formally dispute certain inaccurate and outdated information on my credit report. Upon reviewing my reports from Equifax, Experian, and TransUnion, I have identified several items that require immediate correction. The following accounts are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX : ** [ XXXX ] **Date Reported : ** XX/XX/XXXX **Issue : ** This account has been inaccurately marked as a repossession, but it has been fully paid off. I request that this item be removed from my credit report as it is negatively affecting my XXXX XXXX. 

XXXX. XXXX XXXX, XXXX XXXX XXXX Number : ** [ XXXX ] **Date Reported : ** XX/XX/XXXX **Issue : ** This account is listed as a charge-off, but I dispute the validity of this information. I request that it be removed from my credit report if it can not be properly substantiated. 

XXXX. **Unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) Additional unauthorized inquiries are also listed on my report. 
**Issue : ** These inquiries were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed from my credit report. 

XXXX. **Collections XXXX XXXX XXXX XXXX XXXX Creditor : ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ** [ XXXX ] **Amount : ** {$820.00} XXXX*Issue : ** This collection account may be inaccurate or outdated, and I request verification or its removal if it can not be substantiated.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these disputes and their removal if they can not be verified as accurate. Please provide a written response within 30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the corrections made. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I leased a XXXX XXXXXXXX XXXX ( XXXX, XXXX ) XXXX XXXX Toyota through Toyota Financial Services ( TFS ). Prior to this, I had an existing lease with Toyota, and I consistently made on-time payments via automatic payments ( autopay ). 

When I signed my new lease, I was not informed that my autopay would not transfer to the new account. As a result, I unknowingly missed my first lease payment in XX/XX/year>. Once I became aware of the issue, I immediately made the payment and set up autopay for future payments.

I later discovered that this one late payment was reported to the credit bureaus, causing a 90-point drop in my credit score. Since this was a miscommunication on Toyota Financial Services ' part, I contacted them and provided an official statement from the dealership confirming that : I had always used autopay for my prior Toyota lease, leading me to believe it would continue. 
I was never informed that I needed to re-enroll in autopay for my new lease. 
The missed payment was not intentional and resulted solely from this lack of notification. 
The dealership acknowledged this mistake and requested Toyota Financial Services correct the issue. 
Despite this, Toyota Financial Services has denied my requests to remove the late payment, and the credit bureaus have upheld the negative mark, even though I have clear evidence that this was not a willful missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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, Engelhardt V. Gravens ( 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 2025-03-12 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, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I am writing because Ive noticed that one of the tradelines on my credit report is not being reported with the maximum possible accuracy. This is a clear violation of my rights, and Im extremely frustrated that this issue has not been addressed yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
I opened a Credit Account with Kikoff in XX/XX/XXXX and a Credit Builder Loan in XX/XX/XXXX. Upon successfully making 12 on-time monthly payments for the Credit Builder Loan I was told that the funds would be made available in 3-5 business days by the Kikoff Virtual Assistant. When the funds were not available I was told by Customer Service that payments were for a non-refundable subscription ( that is not advertised ). Customer Service was unable to provide me with any application for an upgraded subscription from XX/XX/XXXX because I did not apply for a non-refundable subscription. They were also unable to explain why the last monthly payment for a 12 month Credit Builder Loan was in XX/XX/XXXX if it began in XX/XX/XXXX. The actual amount billed was different than what was advertised and what I agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am applying for mortgage pre-approval and need to lift a credit freeze that I put on my Experian Account last year after a case of attempted identity theft. 

When I attempted to log on, I was told that my password was wrong ( it is not ). When I attempted account rescue I never received verification codes necessary EITHER by phone or by email ( although the pieces of my info showing on screen were correct ). 

Note : I have had NO difficulty receiving codes from others, including XXXX and XXXX. 

I attempted to call Experian in order to get access to my account and was not permitted to speak to a human. No matter how I explained the problem to the bot, I was told that it was not " permitted '' to allow me to speak to a human. 

I continue to be locked out of my Experian account and unable to lift the credit freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, And I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-03-12 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: TX

Complaint narrative:
Account was included in bankruptcy, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 XXXXXXXX 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 explanation
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-12 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Unauthorized Inquiries : Company Name : XXXX XXXX XXXX XXXX- Miscellaneous XXXX. XXXX- XX/XX/year> XXXX XXXX : XXXX XXXX Miscellaneous XXXX XXXX XXXX/XXXX/XXXX  Company Name : XXXX XXXX XXXX XXXX- Miscellaneous XXXX XXXX- XX/XX/year> XXXX XXXX : XXXX XXXX- Miscellaneous Reptg. Agencies- XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OR

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 2025-03-12 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
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 explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
All details of my Identity Theft Report as well as dates and other information are included in strong detailed description in my letter.

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