vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX Re : Formal Demand for Debt Validation and Assignment Contract Notice of Dispute Under 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal and legal demand for immediate validation of the alleged debt your agency claims I owe. I dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide complete and verifiable documentation proving your legal right to collect this alleged debt.

You are hereby instructed to provide the following without delay : 1. Full validation of the alleged debt, including a complete accounting of the amount claimed, and a breakdown of all charges, interest, and fees ; 2. A copy of the original signed contract or agreement showing I entered into this obligation ; 3. A copy of the assignment contract or purchase agreement between your agency and the original creditor, proving you have legal standing to collect including all dates, terms, and signatures ; 4. Proof of your debt collection license and registration in my state, if applicable ; 5. The name and address of the original creditor and the date the debt was allegedly incurred.

Failure to provide these documents within the timeframe allowed by law will result in an immediate complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Further, any attempt to continue collection, call me, or report this unverifiable debt to any credit bureau without supplying the above documentation is a direct violation of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

If you are unable to produce the documentation proving your legal right to collect this alleged debt, you must : Cease all collection activity immediately, and Permanently delete this account from all credit reporting agencies.

This is your final notice. Any violation of my rights going forward will result in legal consequences. 

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and related consumer protection statutes, I formally dispute the alleged debt referenced above and demand full validation. This letter serves as : A COMPLETE DISPUTE of the debt 's validity and your legal authority to collect it A CEASE COMMUNICATION DEMAND under 15 U.S. Code 1692c ( c ) NOTICE OF LEGAL ACTION for any violations VALIDATION REQUIREMENTS ( 15 U.S. Code 1692g ( b ) ) : You must provide ALL of the following within 30 days : Original signed contract proving liability ( UCC 1-201 ) Complete accounting of all charges/interest ( 15 U.S. Code 1666 ) Chain of title proving your legal right to collect ( 15 U.S. Code 1692e ( 5 ) ) License to collect debts in my state [ State Statute ] IMMEDIATE LEGAL DEMANDS : CEASE ALL COLLECTION ACTIVITY ( 15 U.S. Code 1692g ( b ) ) until full validation REMOVE ANY CREDIT REPORTING ( 15 U.S. Code 1681s-2 ) PROVIDE WRITTEN CONFIRMATION of compliance NOTICE OF VIOLATIONS : Failure to strictly comply will result in : XXXX complaints ( 12 U.S. Code 5491 ) Civil action for {$1000.00} per FDCPA violation Punitive damages for willful non-compliance This dispute is made under penalty of perjury. Any continued collection activity constitutes harassment under 15 U.S. Code 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING T XXXX XXXX, ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602A According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C 1681 SECTION 604A 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 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 2025-06-17 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: TX

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   XXXXFRAUDULENT ACCOUNTS:XXXXAccount Name: XXXX XXXX XXXX XXXX Date Opened  XXXXAccount Name: XXXX XXXX XXXX Date Opened  XXXXAccount Name: XXXX XXXX  - Date Opened  XXXX XXXXUNAUTHORIZED INQUIRIES:XXXX XXXX XXXX  EquifaxXXXX XXXX EquifaxXXXX XXXX EquifaxXXXX XXXX XXXX Equifax'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply XXXX, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the XXXX  caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-06-16 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized XXXX  entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX  to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: DC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized XXXX  entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX  to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for failing to remove unauthorized inquiries from my credit report, despite my previous disputes, submission of an identity theft report, and a completed FTC Identity Theft Report.

I have taken all required steps under the Fair Credit Reporting Act ( FCRA ) to notify TransUnion of unauthorized credit inquiries that do not belong to me. These inquiries are the result of identity theft and were made without my knowledge or consent.

Background : I have already submitted an FTC Identity Theft Report, along with a police report ( if applicable ) and copies of my government-issued ID and proof of address.

Despite this, TransUnion continues to list these inquiries on my credit report, in violation of FCRA 605B, which requires the credit reporting agency to block fraudulent information within 4 business days of receiving a valid identity theft report.

I have provided all required documentation per the FTC guidelines. Yet, TransUnion continues to willfully report this inaccurate and unauthorized data. 

Violations : 1.FCRA 605B Failure to block identity theft-related information after receiving appropriate documentation.

2.FCRA 611 Failure to conduct a reasonable investigation of my dispute.

3.FCRA 623 ( a ) ( 1 ) ( A ) Knowingly reporting inaccurate information.

4.FCRA 602A Failing to protect the confidentiality and proper use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
There is an account reporting to my credit that does not belong 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 explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-16 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused XXXX  to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-16 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item 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. 

XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX  - XX/XX/2024

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the XXXX  XXXX Bankruptcy several times with Transunion, Experian and Equifax. Each time, the bureaus have stated they verified the bankruptcy court directly with the clerk of the court. 

Attached is a letter from US bankruptcy court stating they do not provide or verify information to the Credit Bureaus. 

These credit bureaus are falsely listing information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am writing to formally dispute three separate delinquency marks reported by XXXX to the credit bureaus for my federal student loans. I mistakenly missed two loan payments totaling approximately {$200.00}. I take full responsibility for the oversight, and as soon as I noticed the error, I paid the full amount in XXXX and brought the account current. I had lost my job in XXXX, and was struggling to get back on my feet. I had informed XXXX XXXX of my struggle and they refused to pause my payments or give me a smaller amount due per month for just a few months during my rough patch. I am now back on my feet and 100 % on track with any and all payments. I have no other penalties or deliquent accounts on my credit report ever before. 

Despite this being a single loan payment, XXXX reported three delinquent tradelines, significantly damaging my credit score which dropped over XXXX points. I understand that federal loan servicers are obligated to report accurate information. However, I believe this situation is disproportionate, considering it was a one-time {$200.00} mistake, immediately corrected, with no prior delinquencies. I have been working diligently as XXXX XXXX XXXX XXXX  to build my credit score as a solid foundation for my financial well being. This small error now will set me back a year plus! 

I have since paid the full balance due. This score drop has brought me down to as low as XXXX from my XXXX score. I am devastated and completely blown away by how much this has dropped my score. I will be unable to get a new apartment once my lease is up as I dont beleieve I will be able to raise my score those XXXX points by the time I need to begin new applications. 

I have contacted XXXX to request a goodwill removal of these late marks, but I was informed that they do not remove accurate information. I respectfully ask the Consumer Financial Protection Bureau to assist in reviewing this matter for a possible reinvestigation or goodwill adjustment, as this single error has created an outsized and lasting impact on my financial well-being. 


I have otherwise maintained responsible financial behavior, and I hope this one incident can be reconsidered under reasonable and fair reporting practices.

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 2025-06-17 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief