vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-29 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: FL

Complaint narrative:
In XX/XX/year>2025, a letter was sent to Transunion that they completely ignored.

I am submitting this complaint regarding TransUnions continued reporting of accounts on my consumer report, despite these accounts being associated with companies that have failed to comply with the mandatory privacy notice and opt-out requirements under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802 and 6803.

TransUnion has been notified that these accounts can not lawfully appear on my report without the companies first providing the required privacy notices and opt-out opportunities as mandated by federal law. TransUnion has not produced any documented proof that the companies complied with these requirements and yet continues to list the accounts on my report.

Under the GLBA, financial institutions must issue clear privacy notices and provide consumers the right to opt out of certain information sharing. Without compliance with these requirements, the accounts are unlawfully reported and must be removed.

I am requesting that the CFPB investigate TransUnions failure to verify compliance and require them to remove these accounts unless valid proof of GLBA compliance is provided.

The following accounts need to be deleted from my consumer report due to Non-Compliance : XXXX, XXXX & XXXX-Account # XXXXGLBA Non-Compliance, Please Delete Account XXXX XXXX-Account # XXXXGLBA Non-Compliance, Please Delete Account XXXX XXXX-Account # XXXXGLBA Non-Compliance, Please Delete Account XXXX XXXX XXXX-Account # XXXXGLBA Non-Compliance, Please delete account I have attached fhe follow-up letter to Transunion 's Compliance Department

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX that is financed through Kia Finance. I made a monthly payment online on XX/XX/XXXX, just like I do every month, Kia claims they did not receive my payment for the month of XXXX, yet I have given bank statements and a trace ID number proving I did in fact make the payment. This matter has gone unresolved for months now. I can never get anyone to call me back or I get the run around. I have also been paying late fees since XXXX which are never documented on my statement or shown in the detailed breakdown. I have asked for a detailed transaction history from day of purchase to current day, but have yet to receive anything from Kia. Now Kia is reporting to the credit bureaus that Im not current affecting not only my credit score but also my mothers credit score, co-signer of the loan. My mother had an almost perfect credit score which has now been significantly lowered. Kia also refuses to correct/change this.

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 2025-05-29 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I received a letter regarding a credit card debt. I am writing to dispute a debt that XXXX XXXX XXXX XXXX XXXX claims I owe in the amount of {$450.00}. This alleged debt is associated with a XXXX XXXX credit card issued by Comenity Capital Bank under account number XXXX, with reference number XXXX. 
I have never applied for, held, or used any credit card from XXXX XXXX or Comenity Capital Bank. A letter was sent to the above-mentioned company disputing this debt on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX 2025, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the FCRA. This issue was previously addressed with Experian under CFPB Complaint # XXXX and internal Case # XXXX. I spoke with Supervisor XXXX, who stated, We don't remove negative items, as the reason for Experians refusal to delete the fraudulent accounts, despite having received all required documentation.

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 2025-05-29 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-29 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Inaccurate Credit Information under 15 U.S.C. 1681i Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dear TransUnion, I am writing to formally dispute inaccurate and outdated information that appears on my credit report. I am requesting an immediate investigation and removal of the account listed above in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The account in question is from XXXX XXXX XXXX, listed as an auto loan with a status of Charged off {$5000.00} written off. Under 15 U.S.C. 1681i, I have the right to dispute any information I believe to be inaccurate or unverifiable. This charge-off notation is harming my credit standing and I believe it is incomplete or inaccurate. I am requesting that your bureau verify the accuracy of this information, and if it can not be verified, remove it from my file per 1681i ( a ) ( 5 ) ( A ).

Please conduct a reinvestigation and provide written results within 30 days as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
In XX/XX/XXXX, I discovered that multiple fraudulent accounts had been opened in my name without my knowledge or consent. These fraudulent accounts include : XXXX XXXX XXXXXXXX XXXX for {$890.00} ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX for {$5700.00} ( opened XX/XX/XXXX ) and XXXX XXXX  for {$830.00} ( opened XX/XX/XXXX ) I did not open these accounts or authorize their use. When I discovered them, I immediately filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) and contacted the credit bureaus Experian, Equifax, and TransUnion to have these accounts permanently deleted from my credit report. 

In addition to these fraudulent accounts, I also found fraudulent credit inquiries and personal information connected to an address that is not mine ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ). I have provided all necessary documentation, including my FTC report, to the credit bureaus and have asked them to delete these fraudulent accounts and inquiries as required by the Fair Credit Reporting Act. 

Despite my efforts, these fraudulent accounts and inquiries still remain on my credit report, causing significant stress and concern. I am requesting that the CFPB ensure these fraudulent items are removed and that my credit file is restored.

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 2025-05-29 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: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/year>2025, I contacted Amex thru the chat feature on their app. I initally spoke with an AI bot, then was transferred to " XXXX ''. I explained to her that I wanted to cancel the card. When done, I asked about the fee in hopes that it would be waived because the card was never activated or used. She said that I had gone 4 days past the 30 day mark and the {$690.00} annual fee could not be waived, even thought the card was canceled, never used, or activated. I then tried again on XX/XX/year>2025, in hopes that someone else would be more understanding. This time I was transferred to " XXXX '' and she essentially said the same thing as " XXXX ''. I am seeking a resolution to erasure of the {$690.00} because I never used or activated their product, and the time frame was a few days and not an extreme amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a debt collection agency, IC System, that contacted me by phone and violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XX/XX/year>, I was contacted by a representative from IC System. During the call, I verbally disputed the debt and requested validation under federal law. I made it clear I would not confirm any personal information and instructed them to send validation to the address or method they originally used to contact me. 

The collector refused to proceed unless I verified additional personal details, which I declined. I reminded them they already initiated contact and are obligated to validate the debt before continuing any collection efforts. 

They refused to honor my request and ended the call. I legally recorded the conversation as permitted under XXXX one-party consent law, and I am prepared to provide that recording as evidence. 

This is a clear violation of my consumer rights. IC System : Refused to acknowledge a lawful dispute ; Attempted to coerce me into verifying personal data first ; Did not provide required validation ; Continued collection pressure without following FDCPA protocol. 

I request an immediate investigation, enforcement action against IC System, and removal of any record of this debt from credit or collection databases until legal validation is provided. 

Sincerely, XXXX XXXX XXXX : XX/XX/year> 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 2025-05-29 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief