vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Im a single mother of a XXXX XXXX XXXX and we are being denied housing opportunities because of an unfair and unjust collection placed on my credit by this company. In XXXX, I had an apartment at their property, but I was staying with family in California for a few weeks due to the XXXX shutdowns and the fact that I work in XXXX  While I was away, a power outage occurred in the unit, causing all the food in the fridge to spoil and rot the appliance. 

Instead of taking accountability for the power outage and the resulting damage, the company charged me for the replacement of the fridge and included cleaning fees. I was not even present when the damage occurred, and I was never given a fair chance to dispute these charges or resolve the issue without it going to collections. 

Now, years later, my son and I are being denied housing due to this unfair charge that is harming my credit. Ive always paid my rent on time and have been a responsible tenant. Its heartbreaking that this situation is standing in the way of me providing a stable home for my child. This feels like bullying and an abuse of power punishing me for something outside of my control. 

All I want is a chance to clear my name and give my son a safe place to live. Im asking for this company to do the right thing and remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I am filing this complaint because I am experiencing severe, unresolved problems with my XXXX Kia XXXX XXXX  which have made it impossible for me to reliably use my vehicle to get to work and maintain my income yet Hyundai Capital America continues to expect full loan payments without offering any reasonable deferment option while I am without proper use of the vehicle. 

Background : I purchased my XXXX Kia XXXX XXXX  from XXXX XXXX Kia XXXX in XXXX XXXX, LA. Since purchasing the car, I have faced repeated issues that have severely impacted the use and value of the vehicle : My car has an unresolved XXXX code for a failed catalytic converter, which the selling dealership refuses to repair under Kias valid XXXX warranty despite multiple shops verifying the problem. 
I have been denied warranty service by XXXX XXXX Kia XXXX, apparently in retaliation for filing a XXXX complaint about their deceptive sales and service practices. 
The dealership has also refused to honor my valid Prepaid Car Care Plan, causing me to pay out-of-pocket for services I already paid for in advance.

Due to these problems, my vehicle is unreliable, and the check engine light remains on. Additionally, the screen blanks out and the USB outlet does not work consistently. 

These issues have left my car in a condition where it is not safe or reliable to drive, which directly prevents me from commuting to work and fulfilling my financial obligations.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally report a case of fraud and misrepresentation regarding a property rental agreement in XXXX, XXXX. In good faith, I prepaid a sum of {$64000.00} for a three-year rental agreement through a realtor. However, I discovered that the property was misrepresented, with the address provided not being a legally registered address, and the building lacking proper permits. The realtor and owner knew or should have known about these discrepancies, leading me to believe that they engaged in deceptive practices. 

I have taken multiple steps to address this matter, including retaining legal counsel, filing a report with the Indonesian consulate, and involving the local police. Despite attempts to resolve the issue amicably, the promised refund from the owner and realtor has not materialized. 

I am also concurrently dealing with a related issue with Bank of America regarding the mishandling of a fraud claim tied to this situation. The combined financial and emotional toll of these predicaments has been substantial. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and assist in holding the responsible parties accountable, ensuring that I am granted the justice and restitution I deserve. 

Thank you for your attention to this urgent matter. I am prepared to provide any additional documentation necessary for your review.

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 2025-07-23 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 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. XXXX XXXX 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  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant 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 explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurately reporting late payments and marking my account as delinquent on my credit report for the months of XXXX and XXXX, despite the fact that payments were made as agreed upon. 
I was never notified that these payments would be considered late or reported as delinquent to the credit bureaus. Additionally, no billing statement or formal notice was provided to me in advance, which is a direct violation of my rights under 15 U.S.C. 1666b of the Truth in Lending Act, which requires a creditor to send periodic statements and allow a reasonable time to make payment before declaring delinquency. 
I have also reviewed the payment timeline and can confirm that the payments in question were not missed and should not have resulted in derogatory marks. XXXX reporting of these as late or delinquent is both inaccurate and damaging to my credit profile. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information are required to report accurate and verifiable data. Reporting these payments as late, without giving proper notice or offering documentation, constitutes furnishing false or unverifiable information. 
I have contacted XXXX directly and requested verification or removal of these late marks, but they have not resolved the matter. I am asking the CFPB to investigate XXXX reporting practices in this case and compel them to remove the inaccurate negative marks from my credit reports with XXXX, Experian, and XXXX. 
This inaccuracy has caused significant harm to my credit standing, my house buying process, annd my mental well being and I am requesting that the matter be corrected immediately.

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 2025-07-23 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: NM

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for inaccurately reporting late payments and marking my account as delinquent on my credit report for the months of XXXX and XXXX, despite the fact that payments were made as agreed upon. 
I was never notified that these payments would be considered late or reported as delinquent to the credit bureaus. Additionally, no billing statement or formal notice was provided to me in advance, which is a direct violation of my rights under 15 U.S.C. 1666b of the Truth in Lending Act, which requires a creditor to send periodic statements and allow a reasonable time to make payment before declaring delinquency. 
I have also reviewed the payment timeline and can confirm that the payments in question were not missed and should not have resulted in derogatory marks. XXXX reporting of these as late or delinquent is both inaccurate and damaging to my credit profile. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information are required to report accurate and verifiable data. Reporting these payments as late, without giving proper notice or offering documentation, constitutes furnishing false or unverifiable information. 
I have contacted XXXX directly and requested verification or removal of these late marks, but they have not resolved the matter. I am asking the CFPB to investigate XXXX reporting practices in this case and compel them to remove the inaccurate negative marks from my credit reports with XXXX XXXX, and TransUnion. 
This inaccuracy has caused significant harm to my credit standing, my house buying process, annd my mental well being and I am requesting that the matter be corrected immediately.

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 2025-07-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.s.C 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.s.C 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-23 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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:
I am submitting this complaint against TransUnion for continuing to report a collection account from XXXX XXXX XXXX ( original creditor : XXXXXXXX XXXX ) after my mailed dispute on XX/XX/year>. 

No verification or reinvestigation results have been provided. This account is not appearing on XXXX XXXX XXXX, which reflects inconsistent and possibly inaccurate reporting. 

TransUnion is in violation of : FCRA 1681e ( b ) : No maximum possible accuracy FCRA 1681i ( a ) : No evidence of proper reinvestigation FCRA 1681c-2 : Right to block unverifiable data

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Upon viewing my XX/XX/XXXX consumer report, I became aware of Citi Bank 's reporting of inaccurate, private, personal, and excluded information related to me to the XXXX party, non affiliated entity named XXXX. I saw on my consumer profile the inaccurate reporting of a XXXX day late payment for XX/XX/XXXX. This information was terribly wrong, so I wrote to Citi Bank a dispute for the reporting of any late payment. 

Their reporting has caused me to question their accounting and the validity of the debt so in the dispute notice I asked for debt validation, for them to update their reporting to remove the late payment they are furnishing to my consumer profile, to provide the documentation required to have any payment considered as " late '', a full and complete audit on the accounting of the account, for them to stop all debt collection attempts and negative reporting until they send debt validation and proof of compliance as requested. 

It is well over 30 days and i still have not received debt validation and the required documentation and proof needed to consider any payment as late. Citi Bank continues to inaccurately report negative information onto my consumer profiles and they have not sent me debt and late payment validation as required by law. 

The negative and inaccurate reporting of Citi Bank has caused me and my family a great deal of physical, mental, emotional, and financial hardship. I need assistance with correcting and resolving this matter.

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 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Dear National Credit System, I am writing in response to your recent communication regarding an alleged debt. I am requesting that you provide full validation and verification of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The amount of the alleged debt and a breakdown of any fees or interest added. 
The name of the original creditor and account number. 
Documentation showing that I am legally obligated to pay the debt. 
A copy of the original contract or agreement bearing my signature ( if applicable ). 
Proof that your agency is authorized to collect on this debt. 
A complete account history, including all transactions that led to the current amount claimed. 
The date the debt was incurred and when the last payment was made. 
Until you provide this documentation, I request that you cease all collection activity, including reporting this debt to credit bureaus, in accordance with the FDCPA. 

Please consider this letter a formal dispute of the alleged debt. I request that all future communication be in writing and sent to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief