vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Complaint Details : Product/Service : Debt Collection Issue : Attempted collection of debt not owed Description : On XX/XX/year>, I sent a written debt validation request to Gurstel Law Firm regarding alleged account # * * * * XXXX ( Original Creditor : XXXX XXXX ) . Their XX/XX/year> response : Failed to provide any requested validation documents ( account history, bill of sale, etc. ) Falsely claimed my fraud dispute was " invalid '' without evidence Attempted to impose an illegal 15-day response deadline This violates : FDCPA 1692g ( b ) : Must cease collection until providing validation Arizona A.R.S . 32-1057 ( A ) ( 5 ) : Misrepresenting debt status CFPB Debt Collection Rule 1006.34 ( c ) : Must provide requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I applied to XXXX to unfreeze my account. My account was temporarily frozen on XX/XX/XXXX. I submitted the appeal materials on the XXXX. I was thinking that my relatives and friends might have made too many payments during this period, so I submitted my appeal materials truthfully. In less than XXXX seconds, I received an email that my account was permanently banned. The AI system did not carefully review the information I submitted. Later, I called the customer service department, and they told me that it was due to the system risk control investigation and they had no way to deal with it. I asked them if it was because I was traveling in XXXX and the system judged that I was at risk, but they also had no right to inform me. I have been using PayPal for such a long time and have not encountered any fraud or transaction risks. I think I have the right to know no matter what. If there is a violation, they also have no right to inform me. I am not even given the most basic right to know.

Even their customer service told me that you can use other companies ' products, but you are never allowed to use PayPal. I wonder how PayPal, the world 's leading payment company, can say such things to its own users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-20 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-20 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: GA

Complaint narrative:
I found some inaccurate items on my credit report. I contacted the furnishers, received no verifiable response, and I'm requesting a full investigation under the Fair Credit Act ( FCRA ). Please remove these unverifiable items. '' Clean. Legal. Powerful

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
request the removal of the XXXX XXXX currently placed on my credit report. This action is necessary as I need to allow XXXX XXXX temporary access to my credit information for upcoming financial transactions. Please lift the XXXX  as soon as possible to facilitate this process. 

If any additional verification or documentation is required, I am prepared to provide it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I submitted a formal request for the debt reporting to be corrected on XX/XX/year> and attached the letter provided to me by the lender XXXX XXXX confirming that I no longer owe this debt. I provided this information to Experian who now claims that XXXX verified the debt. This has been going on for months now and finally I called and they told me to obtain the verification in writing which I did and attached to my dispute. They now updated it yet again to show that XXXX past due when I do not owe anything on this account.

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 2025-05-20 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6000.00}

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 2025-05-20 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: CA

Complaint narrative:
This complaint serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S

.C. 1681 et seq. Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 

Account : 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 2025-05-20 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: Kikoff Inc.
State: TN

Complaint narrative:
Date opened - XX/XX/year> Original balance - {$750.00} Account info Account name - KIKOFF LENDING LLC Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX, has violated my rights. Section XXXX A, states I have the right to privacy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am writing to dispute the accuracy and completeness of certain information that appears on my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe is inaccurate, incomplete, outdated, or unverifiable. This letter serves as my formal notice to initiate an investigation into the accounts listed below. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX OF XXXX * * * * Balance : {$6000.00} XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX * * * * * * Balance : {$30000.00} XXXX FIN XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a XXXX loan account from XXXX XXXX XXXX that was opened on XX/XX/year>. The account was paid in full and closed, yet it is still showing on my credit report as potentially negative. 

This account is over XXXX years old, and any negative reporting related to it should no longer appear under the Fair Credit Reporting Act ( FCRA ), which limits the reporting of negative information to XXXX years. I have requested that the company or credit bureaus remove this outdated negative item, but no action has been taken. 

There is no outstanding balance, the account is closed, and I fulfilled my payment obligation. The continued negative labeling of this account is unfairly affecting my creditworthiness and does not reflect my current financial status. 

I am asking for this account to be completely removed from my credit report, or at the very least, for the potentially negative status to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am filing this complaint due to ongoing inaccuracies in my credit file and the failure of the credit reporting agency to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ). I have submitted multiple disputes, including my most recent on XX/XX/XXXX, regarding the inaccurate and potentially unverifiable accounts and inquiries listed below. 

Despite these repeated efforts, the agency has provided inadequate responses stating that the disputed items were verified, yet has failed to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). To date, I have not received : The specific method of verification used for each item ; The name and contact information of the data furnishers ; Any documentation relied upon during the investigations. 

Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I provided the agency with a 15-day deadline to : Reinvestigate each listed item, Provide written verification details, Remove any inaccurate or unverifiable entries, and Issue an updated credit report reflecting these corrections. 

As of today, no adequate resolution has been provided. Therefore, I am requesting CFPBs assistance in enforcing my rights under the FCRA and holding the agency accountable for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out dispute on XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent account I am referencing consist of the following : XXXX CARD : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX | XXXX : Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX NA | XXXX : Inaccurate. I see this account is still not remove. Please delete. 

XXXX XXXX NA | XXXX : Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hyundai Finance reported on my credit that I was delinquent after returning my lease for more than 60 days. The mailing address they were sending the bill to was incorrect even though it was updated on the website. I returned my lease in XXXX of XXXX. I was told if I owed anything Hyundai finance would reach out. I received no emails or phone calls from the company before this was reported. 
I was unaware I owed anything until I investigated my credit report. When I went to pay it, it was too late and my credit score was affected by about XXXX points. I paid this in full ( {$960.00} ) on XX/XX/XXXX when I became aware of the charges. I have put disputes with Hyundai as well as all crediting bureaus but Hyundai continues saying the information was correct, even though the bills were being sent to a wrong address.

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