vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies, obsolete information, and unverifiable accounts appearing on my Equifax, Experian, and TransUnion credit reports. Several charge-offs, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), and * XXXX XXXX XXXXXXXX ( {$9000.00} ), are reported with inconsistent dates, missing or inaccurate Dates of First Delinquency ( DOFD ), and balances that do not match my records, potentially violating FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). A collection account from XXXX XXXX XXXX XXXX * ( {$6700.00} ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$92.00} ) appears without proper debt validation, raising concerns under FDCPA 807, 808, and 809, while multiple inquiriesincluding 800 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX duplicate ), and XXXXXXXX XXXX XXXXXX/XX/XXXX are inaccurate, unauthorized, or duplicated. These errors misrepresent my creditworthiness, affect my financial opportunities, and constitute a pattern of reporting failures across all three bureaus. I have disputed these items directly with the bureaus under FCRA 611 but have not received full verification or correction.

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 2025-11-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A hard inquiry from Wells Fargo Bank , N.A . was placed on myXX/XX/XXXX credit report on XX/XX/25 without my consent. I completed the application in-person with a banker on their computer after opening up a checking account. 

At no point was I clearly informed that a hard credit inquiry would be performed, nor do I recall signing or authorizing any hard pull disclosure. 

My understanding was that the banker was checking eligibility or prequalification, and I was not shown any form or screen indicating a hard credit inquiry would occur.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I purchased a new Kia XXXX XX/XX/XXXX from XXXX XXXX Kia XXXX, OH. The monthly payments were {$780.00}. Each month we paid an additional {$210.00} towards the principal payment to be applied to the principal of the loan. Payments were on Auto Bill Pay, and were deducted monthly. Every month, Kia would request us to call into customer Service ( CS ) to ask for the additional payments be applied. On XX/XX/XXXX when calling into Kia to apply the extra payment to the principal of the loan, the Kia CS agent informed me I no longer had to do that, and that any payments made would now automatically be applied. On XX/XX/XXXX I noted that the extra payment had not been applied properly to the loan, so I contacted Kia who said they would fix it. On XX/XX/XXXX when I went to check in on the loan amount and payments applied, I noted that the previous balance on XX/XX/XXXX was {$19000.00} and had increased to {$21000.00}. A difference of {$2700.00} being added to the account. Assuming it was a " XXXX finger error '' I contacted Kia again, and they said they noted the discrepancy and would have it resolved. From XXXX I called Kia every month to have the payments applied properly and requested to have the {$2700.00} removed from the account that was ( ILLEGALLY ) added to the account. By XX/XX/XXXX with no resolve, I reached out to the Dealership again XXXX XXXX Kia in XXXX, OH and asked the finance manager for help getting in contact with someone from corporate at Kia Finance. In XX/XX/XXXX, I was able to get a call back from someone at corporate who also stated they noted the discrepancy and would work with their team to get it resolved and also apply any compounded interest back to the account due to their error. Today is XX/XX/XXXX and I have received no resolution to this problem. I receive " blanket emails '' every three weeks saying they have the ticket open, but no resolve. I have no way to reply to the emails as they are " no reply '' and I am the mercy of the corporate team responding, which you can not access going through regular Customer Service. I am beyond livid, we have given Kia Finance now 7 months to fix this problem, and we have no resolution. Kia Finance does not have legal authority to add funds to a loan without authorization. What they have done is illegal and deceptive. Requesting help from this organization for help with a resolution and also to warm the public about Kia Finances deceptive and illegal 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 explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FORA 5 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencys, 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 personal credit card account opened at 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquires 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 inquires are the result of identity theft and fraud. I have attached a copy of FCT Identity Theft Criminal Complaint # private case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FORA 5 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencys, 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 personal credit card account opened at 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquires 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 inquires are the result of identity theft and fraud. I have attached a copy of FCT Identity Theft Criminal Complaint # private case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My identity was stolen due to identity theft and data breach with TransUnion. Resulting in many accounts fraudulently opened in my name and being furnished on my credit files. Many accounts say that they were investigated and completed a under FCRA but the information is fraudulent and not under FCRA laws at all especially FCRA 605b

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-24 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute Under FCRA Incorrect Charge-Off Reporting Account : Bank of America XXXX XXXX  Report Date : XX/XX/XXXX To Whom It May Concern, This is an official dispute of the information your company is reporting to XXXX  regarding the above-referenced account. 
The reported status states : Account charged off {$4300.00} written off. Past due {$4300.00} as of XX/XX/XXXX. 
This information is inaccurate, incomplete, and being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am currently actively negotiating this account with Bank of America. The charge-off date, amounts, payment history, and status being reported do not match the true condition of the account during the negotiation period.

LEGAL BASIS FOR THIS DISPUTE 1. 15 U.S.C. 1681s-2 ( a ) Furnishers must report accurate and complete information. The current reporting contains inaccuracies regarding : - Charge-off status - Past-due balance - Delinquency timeline - Account condition during settlement negotiations 2. 15 U.S.C. 1681e ( b ) Credit data must be reported with maximum possible accuracy. Your reporting fails this requirement.

3. 15 U.S.C. 1681i ( a ) I am requesting a reinvestigation of this information. You must verify, correct, or delete the disputed data within 30 days.

4. 15 U.S.C. 1681s-2 ( b ) Because this dispute is being filed through a Credit Reporting Agency , Bank of America is required to : - Conduct a reasonable investigation - Review all relevant evidence - Correct or delete inaccurate or unverifiable information REQUESTS UNDER FEDERAL LAW 1. Provide Verified Documentation Send documentation proving : - The exact date the account was actually charged off - The calculation used to reach the charge-off balance - Whether the account was in active settlement negotiation during reporting - The correct delinquency timeline 2. Correct or Delete Inaccurate Data If you can not fully verify the accuracy with documentation, you must correct the reporting or delete the disputed information from all bureaus as required by 15 U.S.C. 1681i ( a ) ( 5 ). ive asked. As permitted under 15 U.S.C. 1692c ( c ), you are required to cease all collection activity.Ive asked him to stop reporting and its still been done.

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 2025-11-24 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

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 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 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 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 XXXX 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am requesting full verification and validation of a debt that is being reported in collections under my name. I am not aware of this account, have never received any prior notice, and can not identify it as a debt I owe. Please provide proper validation, including documentation bearing my signature and a complete breakdown of the alleged balance, so I can determine its legitimacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccurate late payments and reporting errors on my credit report from that have negatively impacted my credit history. My XXXX XXXX account ending XXXX is reported as 30 days late in XX/XX/year>, XXXX XXXX XXXX  XXXX shows 30 days late in XX/XX/year>, XXXX XXXXXXXX reflects 30 and 60 days late in XXXX and XX/XX/year>XXXX XXXX XXXX XXXXXXXX is listed as 30 and 60 days late in XXXX, XXXX, and XX/XX/year>XXXX XXXX XXXX XXXXXXXX shows 180 days late, XXXX XXXX XXXX is reported as 120 days late, and a closed XXXX XXXX  account XXXX is inaccurately reported as 120 days late. All of these late payment reports are inconsistent with my records, as payments were made timely and in full, with supporting documentation available. Despite my prior attempts to dispute these errors directly with the bureau, the accounts remain inaccurately reported, affecting my creditworthiness and financial opportunities.

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