vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1.

I have already contacted the credit bureau and the furnisher, XXXX XXXX XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX XXXX XXXX  regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 
Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I am submitting documentation to support my dispute regarding the inaccurate move-out date being reported by [ XXXX XXXX XXXX Account XXXX XXXX ]. 

Facts : I vacated the property at [ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
On that date, I placed the keys in a sealed envelope marked with the apartment number, my name, the words vacated premises, and the date XX/XX/XXXX. I deposited this envelope in the property management drop box. 
Attached is a photograph of the envelope, showing the apartment number, my name, and the move-out date of XX/XX/XXXX. 
Additionally, I rented a XXXX moving truck on XX/XX/XXXX ( Contract XXXX ), confirming my move-out activity The furnisher has reported my move-out date as XX/XX/XXXX, which is false. The attached evidence shows I vacated on 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I paid my car loan fully and requested Kia Finance to release my car title electronically via their text message contact site on XX/XX/XXXX. I never received an update and so I called them XXXX times over this month. They kept saying it was sent but I have contacted the XXXX several times and they have told me KIA FINANCE needs to release the title electronically so XXXX can mail the title to my home but they refuse to do this. I need help as my request for my title is not going through.

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 2025-09-25 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: SC

Complaint narrative:
Dispute Summary for XXXX XXXX Account # XXXX I am formally disputing the accuracy, legality, and reporting of this account. I have completed an extensive administrative remedy process regarding this alleged XXXX XXXX debt. Notices have also been sent to Equifax, Experian, and TransUnion advising them of the dispute and warning against unauthorized or inaccurate reporting of this account. 
Summary of Administrative Process : On multiple occasions, I sent Notices of Adequate Assurance and Due Performance to XXXX XXXX, including detailed questions under XXXX compliance and contract performance, with affidavit requests. 
I received no verified affidavit, no wet-ink signed contract, and no evidence of XXXX XXXX lawful status as holder in due course. 
Reprise Financial failed to respond substantively and dishonored the notice process, including a certified Notice of Default and Opportunity to Cure and a Final Administrative Determination of Dishonor. 
Notices to Credit Bureaus : I previously sent formal letters to Equifax, Experian, and TransUnion ( copies on file ) advising of Reprise Financials fault and dishonor, stating : That no default or negative report was authorized ; That no lawful validation had been produced ; and That continued reporting would be considered a material breach and a violation of the Fair Credit Reporting Act ( FCRA ). 
Violation : Despite clear and timely notice, XXXX XXXX reported this account as 90 days past due on or around XX/XX/year>, during the active dispute period. This violates : 15 U.S.C. 1681s-2 ( a ) ( 3 ) prohibition on furnishing inaccurate or disputed information to credit reporting agencies ; 15 U.S.C. 1692g ( b ) prohibition on collection/reporting activity during unresolved disputes.

This account is unverified, falsely reported, and unlawfully maintained on my consumer report. It must be immediately deleted, and I request written confirmation of your reinvestigation within 30 days.

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 2025-09-25 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: RI

Complaint narrative:
XXXX XXXX is furnishing inaccurate information to the credit bureaus. I was placed on a 36-month device installment plan, but XXXX failed to bill the monthly installments on my statements. Because they never included the charges on my bill, I was not given the opportunity to make payments. XXXX then reported the entire device balance as a chargeoff/collection for {$1100.00}, which is inaccurate and misleading. This is not the result of consumer nonpayment but XXXX billing error. 
I request that the derogatory tradeline be deleted or corrected to reflect accurate reporting under the Fair Credit Reporting Act.

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 2025-09-25 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: GA

Complaint narrative:
Subject : Inaccurate and Inconsistent Reporting of XXXX  XXXX Account by Equifax I am submitting this complaint regarding inaccurate and inconsistent reporting of a XXXX  XXXX account by Equifax. 

Account in Dispute : Creditor : XXXX  XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax is reporting this account with discrepancies compared to other credit bureaus, which constitutes a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). This section requires credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of the information they report. 

The specific discrepancies with Equifax include ( but are not limited to ) : Balance reported as {$0.00} ( while XXXX  shows {$200.00} ). 
XXXX XXXX reported as {$500.00} ( while others show {$610.00} ). 
Last Reported date shows XX/XX/year> ( different from XXXX XXXX XXXX ). 
Date of XXXX XXXX shows XX/XX/year> ( different from XXXX XXXX XXXX ). 
Date of XXXX XXXX shows XX/XX/year> ( different from XXXX XXXX XXXX ). 

Because this account is not being reported with maximum possible accuracy, and the information can not be verified as accurate and complete, I am exercising my rights under 15 U.S.C. 1681i ( 5 ) and formally requesting its immediate deletion from my Equifax credit report. 

Given the impact this inaccurate information has on my creditworthiness, I would sincerely appreciate your prompt attention and action in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im Unable to See my Credit report, or Score or dispute anything on the account its had tech issues for the past weeks it keeps giving me only errors, equifax is refusing to fix my concern and haven't reach out within the time frames given to me to resolve my concerns. I WILL not reach back out to equifax over the phone either they haven't help me out in the right way. some agents will giggle or lie another thing they keep noting down things and dont help out in any better way either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
all I want is my address, name and birthday updated correctly. No one has been able to update my personal information. Update this info now!

Im requesting immediate correction of inaccurate and/or outdated personal identifying information currently appearing on my consumer credit file. My credit file currently contains personal information that is incorrect, incomplete, or outdated and this is harming my ability to obtain credit and other services.

This is my right to pursue legal remedies for willful or negligent noncompliance under FCRA 616617 ( 15 U.S.C. 1681n1681o )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
all I want is my address, name and birthday updated correctly. No one has been able to update my personal information. Update this info now!

Im requesting immediate correction of inaccurate and/or outdated personal identifying information currently appearing on my consumer credit file. My credit file currently contains personal information that is incorrect, incomplete, or outdated and this is harming my ability to obtain credit and other services.

This is my right to pursue legal remedies for willful or negligent noncompliance under FCRA 616617 ( 15 U.S.C. 1681n1681o )

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 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, a XXXX XXXX charge-off account ( Account XXXX. XXXX ) was deleted from my credit file after a dispute. In XXXX, the same account was reinserted multiple times without proper notice or certification, in violation of the Fair Credit Reporting Act ( FCRA ).

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits reinsertion of previously deleted information without certification and 5-day written notice.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) requires cre
dit bureaus to maintain maximum possible accuracy.

15 U.S.C. 1681b ( a ) restricts credit reporting to permissible purposes only.

15 U.S.C. 1681c ( a ) ( 5 ) limits how long adverse information can remain. 

Despite my formal disputes, the XXXX XXXX account ( XXXX ) remains and has been reinserted again. I am requesting immediate and permanent deletion of this account, enforcement of FCRA protections, and confirmation that my rights as a consumer will be respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am filing a complaint to dispute inaccurate information that appears on my credit report. Upon reviewing my file, I found accounts and inquiries that are either late closed, inaccurate, or unauthorized, which are negatively impacting my credit. I am requesting a full reinvestigation and permanent removal of these items under the Fair Credit Reporting Act. 
My report lists a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$720.00}. This account is being reported in a manner that is inaccurate and does not match my records. Similarly, a late closed account from XXXX XXXX XXXX shows a balance of {$0.00}, which is misleading and unverifiable. Continuing to report these accounts incorrectly violates FCRA 605B 15 U.S.C. 1681c-2, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
In addition, there is an inquiry from XXXX XXXX XXXX XXXX which I never authorized. This inquiry was made without my consent and has no permissible purpose, violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am filing a complaint to dispute inaccurate information that appears on my credit report. Upon reviewing my file, I found accounts and inquiries that are either late closed, inaccurate, or unauthorized, which are negatively impacting my credit. I am requesting a full reinvestigation and permanent removal of these items under the Fair Credit Reporting Act. 
My report lists a late closed account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$720.00}. This account is being reported in a manner that is inaccurate and does not match my records. Similarly, a late closed account from XXXX XXXX XXXX shows a balance of {$0.00}, which is misleading and unverifiable. Continuing to report these accounts incorrectly violates FCRA 605B 15 U.S.C. 1681c-2, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
In addition, there is an inquiry from XXXX XXXX XXXX XXXX which I never authorized. This inquiry was made without my consent and has no permissible purpose, violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ).

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 2025-09-25 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: CA

Complaint narrative:
I am the victim of identity theft and my personal information was fraudulently used to generate unauthorized credit inquiries on my file. Specifically, the following inquiries were wrongfully placed without my knowledge, consent, or any legitimate application for credit : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have never applied for credit with these entities, never initiated any relationship with them, and never authorized the release of my consumer report for these purposes. These inquiries are a direct consequence of identity theft, and their continued presence on my file causes material harm to my creditworthiness, reputation, and financial opportunities. Under the Fair Credit Reporting Act, Section 605B, the credit reporting agency is legally obligated to block such fraudulent information upon notice. Failure to take immediate corrective action represents a violation of federal consumer protection law and prolongs the damage to me as the victim.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My credit card was compromised, I called and they were supposed to investigate illegal charges and send me a new card. Two or three days later I did not receive a new credit card but I got a text about new credit card s suspicious activity. I couldnt log into my account bc I didnt have cv code. I called and was told that they automatically update new card to accounts I used. So I said you uploaded my new account info to the same thieves account using it before? And then cant even get onto my online account without the cv code??? I closed account yet I see on credit karma I have new card as well as when I go to citi bank log in it ask for cv code. Why would it ask for cv code on a closed account.im very concerned about my privacy and personal info. Im very careful with my credit and SS and have not had my info stolen in 23 years.

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 monetary relief