vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
XXXX XXXX Acct XXXX XXXX & XXXX Acct # XXXX Late payments were disputed so many times and told they investigated the next day or less than XXXX days for months been disputing XXXX to XXXX for : XXXX ( late payments for XX/XX/XXXX & XX/XX/XXXX ) XXXX : ( XXXX late payments for XX/XX/XXXX, XXXX XXXX, & XXXX & XX/XX/XXXX. 

Failure to correct the error, they are violating XXXX XXXX. XXXX and the FCRA. Remove and delete all late payments on credit reports with Equifax and XXXX immediately. Provide me with a paper copy of the updated report by mail and update online.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
School was involved in illegal activities affecting 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 2025-03-24 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: TN

Complaint narrative:
I previously notified XXXX XXXX that I am a victim of identity theft and requested that they : Close the unauthorized account and take steps to remove information about this account from my credit files. XXXX XXXX is reporting this account inaccurately across multiple bureaus with different charged off dates. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history in which a charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations also a violation of the FCRA. 

I still have not received written confirmation of the requested actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately and removed from my credit reports. 

I have enclosed a copy of my Credit Report and FTC Identity Theft Report because the information you are reporting is the result of identity theft, and inaccurate. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletions of the following account : XXXX XXXXXXXX - account # XXXX - amount {$5700.00} I really do not appreciate XXXX  XXXX, XXXX, and Experian doing what they please with my credit report as we know this causes me financial harm. You have a duty to report accurate information only and if it's not accurate it must be deleted. Please send me the METHOD OF VERIFICATION regarding your findings.

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 2025-03-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously notified XXXX XXXX that I am a victim of identity theft and requested that they : Close the unauthorized account and take steps to remove information about this account from my credit files. XXXX XXXX is reporting this account inaccurately across multiple bureaus with different charged off dates. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history in which a charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations also a violation of the FCRA. 

I still have not received written confirmation of the requested actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately and removed from my credit reports. 

I have enclosed a copy of my Credit Report and FTC Identity Theft Report because the information you are reporting is the result of identity theft, and inaccurate. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletions of the following account : XXXX  XXXX - account # XXXX - amount {$5700.00} I really do not appreciate XXXX XXXXXXXX, Equifax, and XXXX doing what they please with my credit report as we know this causes me financial harm. You have a duty to report accurate information only and if it's not accurate it must be deleted. Please send me the METHOD OF VERIFICATION regarding your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
Toyota Financial had a balance on my credit report. I had 2018 XXXX XXXX which was under warranty but got burnt under 5 years warranty. Now they told me to pay the balance. They Toyota told me to send certain documents which I did sent in regards to when the incident happened. Document I sent includes letter from Police showing the fire incident. Because the balance has been on my credit report, and Toyota sent it to a debtor collector, I decided to pay off the balance as attached so I can clear my credit for now and then follow up with Toyota Inc on the warranty issue. Now Toyota Financial sent the same amount to another company called XXXX XXXX XXXX XXXX XXXX phone number : XXXX ' I called Toyota Financial and they keep sending me to the debt collector and refused to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 non-monetary relief
Consumer complaint received 2025-03-24 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On 2019 I informed credit acceptance of the flood damage vehicles which were being sold at XXXX XXXX XXXX XXXX XXXX Due to the fraudulent business the original furnisher of the account XXXX XXXXXXXX XXXX XXXX is no longer in business due to 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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 2025-03-24 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I want this removed from my account I have no ideal of these loans under my name I never had a car from this company, im getting calls and letters for a car I never seen before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CL Holdings LLC
State: NY

Complaint narrative:
I want this removed from my account I have no ideal of these loans under my name I never had a car from this company, im getting calls and letters for a car I never seen before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Apex Funding Group, Inc.
State: CO

Complaint narrative:
Apex Funding and XXXXXXXX XXXX entered into a line of credit agreement on XX/XX/year>. As part of this agreement, XXXXXXXX XXXX was to send 4 % of the total line of credit value to an " escrow account '' for holding until the Apex line of credit portal was opened. Once the portal was opened, the " escrow '' funds would be returned to XXXXXXXX XXXX per written addendum to the contract. A group of people on a recorded line called me on XX/XX/year>, stating that they were going through the approval processes for the line of credit. The number I received this call from is XXXX. During this call I spoke to three ( 3 ) different people, but do not recall their names. One of these people referred to himself as the CEO and indicated that the portal would be open on XX/XX/year>. I then received a call from a person named XXXX ( XXXX ) on XX/XX/year>, XXXX MDT. This person stated that the portal was having technical issues and he was calling all account holders to disburse funds if needed. I told him that we needed our $ XXXX escrow funds returned immediately. He advised that this would happen the same day and would take 1-3 business days to process. I texted this person back directly after our call requesting written proof that the ACH was originated and sent to our bank. Since this time, I have not heard from any one at Apex despite having called numerous times and texted multiple times. I am afraid that these people are scammers and are attempting to steal my money.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX account number : 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was never late for this. I showed bank statements, emails, and calls that I made to them. XXXX never removed this. It was close as it was literally paid on the XXXX day, but I still paid it. This is currently having an effect on my XXXX  home loan as it's delaying it and could possibly deny because of these type of items on my credit report. I have tried over XXXX  years to have this removed and this company is insistent on it being late. I currently don't have access to my account anymore either which makes it impossible to show proof of payment and dates. I would like this removed from my credit report. It's going on XXXX years anyways and should not be there anymore. Please remove, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding an inaccurate and unverifiable account on my credit report, which remains unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that i did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquires are not a result of any actions ive taken.

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 2025-03-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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