vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
XXXX XXXX has breached the XXXX contract because XXXX of its clauses establishes that the Dealer is responsable for vehicle repairs and they have refused to repair it since XX/XX/XXXX. The vehicle is in the XXXX XXXX XXXX since XX/XX/XXXX. The vehicle has a manufacturing defect in the XXXX and it often fails to start on the first attempt and shut off while I am driving it is very dangerous. I have all document of proof. The vehicle has active warranty. 
I purchased my XXXX XXXX XXXX XXXX vehicle in XX/XX/XXXX with XXXX miles, but at the beginning of this year XXXX it began to fail so I brought it to the XXXX offices in XXXX  for repair and they said it was a manufacturing defect and I had to take it to the Dealer where I bought it and so I did I took it to XXXX in XXXX  spending approximately {$500.00} on gasoline, tolls, vehicle oil because the engine has a defect, consuming too oil, however to date they have not repaired it because they say that I must take it again to the State of XXXX, assuming all the expenses, and with a defective vehicle. I have already tried to resolve with the XXXX XXXX XXXX and they do not offer a solution. The worst part is that they've continued to charge me for the vehicle, and I can't pay for a defective vehicle that's in XXXXXXXX XXXX  possession. They've forced me into default and damaged my entire credit record. They want me to go all the way to XXXX  to pick it up. Now that I live in XXXX, more than XXXX hours away, I have to pay all the costs, even though the same vehicle hasn't been repaired. To date, I've paid {$23000.00}. I need to help to resolve this issues.

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 2025-08-30 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 want to be clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are weighing on me and continue to harm my credit and financial stability. Correcting or removing them would provide meaningful relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit bureau has my address as : XXXX XXXX XXXX XXXX XXXX, MI XXXX This is not my correct address I do not and have not lived at this address. My current address is XXXX XXXX XXXX XXXX XXXX, MI XXXX I want all other addresss removed from my credit report

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 2025-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In 2024 I was in XXXX XXXX XXXX XXXX XXXX  for six months. During which time I was communicating with mortgage company always with updates. 

When I returned to work spoke with representative to get loss mitigation process started. They took their time over four months increasing my missed payments. 

I contacted VA, since I have a VA guarantee loan. They assisted me and working with mortgage company. 

I reported them and open case with US housing federal agency. During which time the representative contacted me to offer a large payment XXXX for twelve months. 

The representative said the person should have offered this to me when I returned to work, and My payments would be lower. However, months gone by with no way forward. 

This year three months ago offered XXXX loss mitigation payment of XXXX I paid those payments, and the balance was supposed to go on end of the loan and lower interest rate XXXX percent. 

I have received letter this month saying they are working on everything. During which time they asked for copy of trust. I sent filing copy, and they cancelled my agreement and requested full back payments with three payments in escrow not applied, because a full copy of our trust not enclosed. Why would they need this personal information to do this action if the intent is to show ability to pay. 

I have contacted them ( Shellpoint ) ongoing to make sure I am not breaking agreement. 

Now the website where I logon says legal action pending. No payments allowed. 

I called them and on the telephone a representative offered computer generated offer of XXXX a month. However, she said a representative would contact me with maybe a better offer. 

They did not resubmit with complete living trust provided.

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 2025-08-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-30 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: IL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-30 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: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally request the Consumer Financial Protection Bureaus intervention regarding Bridgecrests ongoing and negligent reporting of inaccurate information on my auto loan account. 
Despite multiple disputes and reinvestigation requests submitted directly to XXXX, they continue to report false and misleading data across all three major credit bureaus, XXXX XXXX XXXX TransUnion. These inaccuracies include dates, payments. balance, late payment date information continues to change, inaccurate information on the profile has changed as well. Every report that is made creates more inaccuracies on the report. They have persisted for an extended period despite my repeated efforts to resolve the matter. 
XXXX has failed to provide accurate verification or make necessary corrections, and their lack of responsiveness has caused significant harm to my credit profile and financial opportunities. I have requested that the account be permanently removed from my credit reports due to their inability to report accurately and consistently. Their conduct reflects a serious breach of professional and regulatory standards. 
I am now requesting that the CFPB demand XXXX permanently remove this account from all three credit bureaus. I am prepared to provide supporting documentation, including dispute records, correspondence, and credit reports, to substantiate my claim. 
Thank you for your attention to this matter. I trust the CFPB will take appropriate action to protect consumers from negligent and harmful reporting practices. 

- Continued reporting of false information after a dispute XXXX constitute willful noncompliance, which can lead to legal liability. - The Fair Credit Act- Fair Credit Reporting Act ( FCRA ) Federal Law - Credit bureaus and furnishers ( like XXXX ) are required to report accurate and verifiable information I am requesting that the account ( XXXX ) is permanently removed from all reporting Creditors immediately. 

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I deposited a {$5000.00} check from my cash for XXXX settlement with my mortgage company and their bank. I deposited the check inside of the Huntington Bank on XX/XX/year> immediately my account was put on hold and the check was put on hold and I received a message saying that my funds would be available on the XXXX. On the XXXX, my {$5000.00} became available and able to withdraw. They removed the hold on my check but extended the hold on my account I asked for A statement regarding why my account is being on hold and my funds are not being released to me. I have {$5000.00} available right now on my account and they are not letting me take it off because they put a hold on my account thats lasting longer than what the check took to clear, they are saying that they will refuse to take the hold off until I get a notarized document or statement or stub from the bank that issued the check. That is not correct practice by a bank. I am not responsible to verify the check that is their job to do so they refuse to take the hold off of my account until I contact the other bank and get some type of written verified letter which could take who knows how long what is against federal law. They have made several threats to close my account if I dont provide this information, which is ridiculous because the check is a legitimate check. It was on hold for XXXX days. It cleared and is available for me to withdraw, but they are not letting me get my money and they are discriminating against me for no reason and they refused to give me any statements or for a while, the hold is active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to dispute the debt you are attempting to collect on behalf of XXXX. According to my records, I paid my XXXX bill in full prior to the account being sent to your agency for collection. However, due to XXXXXXXX XXXX dissolution and lack of documentation, I am unable to provide proof of payment. Despite this, I assert that I fulfilled my financial obligations to XXXX. It is unreasonable for your agency to expect me to verify a payment that is no longer verifiable due to XXXXXXXX XXXX business closure. I believe that your agency 's actions are an attempt to collect additional funds from me, taking advantage of the circumstances. I request that you ; cease all collection efforts related to this account, update my account status to reflect that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate and inconsistent reporting of my auto loan account to the credit bureaus. 
Account Information : Creditor : XXXX XXXX XXXX Account Number ( last 4 ) : XXXX  Balance Owed : {$23000.00} Date Opened : XX/XX/year> High Balance : {$21000.00} Past Due Amount Reported : $ XXXX  Monthly Payment : {$1200.00} Term : 74 Months Dispute Details : XXXX has furnished inaccurate and incomplete information regarding alleged late payments. Specifically : XXXX  shows a 30-day late in XX/XX/year> and a 60-day late in XX/XX/year>. 


Equifax shows duplicate XXXX entries and a 60-day late in XX/XX/year>. 


XXXX  shows no late payments at all for this account. 


These inconsistent reports across the three credit bureaus demonstrate that XXXX is furnishing contradictory and unverified information. The FCRA requires furnishers to report complete and accurate information and to correct and update information that is determined to be inaccurate or incomplete.

This inconsistent reporting is damaging my credit profile and is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding fraudulent accounts on my credit reports that resulted from identity theft. I have already contacted XXXX XXXX XXXX XXXX  to dispute these accounts and request their removal, but they have not been resolved appropriately. 

The following accounts were not authorized, opened, or used by me and are the result of identity theft : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$970.00} XXXX  XXXX Opened XX/XX/XXXX Balance : {$470.00} XXXX  Opened XX/XX/XXXX Balance : {$4000.00} LVNV Funding LLC Balance : {$970.00} These accounts are negatively affecting my credit and are completely fraudulent. I did not open them, authorize them, or receive any benefit from them. 

I respectfully request that the CFPB assist me in ensuring that these accounts are permanently removed from my credit reports with all three bureaus under the Fair Credit Reporting Act ( FCRA ) and that no further collection attempts are made on these Thank you for your assistance. Please provide me with confirmation and updates regarding the resolution of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
I am filling a complaint against BullCity Financial Solutions for continuing to report unverified debt on my credit report.

BullCity previously reported two XXXX XXXX accounts totaling {$1300.00}. After my dispute with XXXX BullCity deleted one account for {$710.00}, admitting it was inaccurate or could not be verified. However, they continue to report the remaining {$600.00} balance without providing proper validation.

I have never signed a contract with BullCity Financial Solutions, and I am currently incarcerated in the Federal Bureau of Prisons serving an 11 year sentence. I am not in a position to generate new utility debt, and BullCity has failed to provide documentation proving : 1. A signed contract or agreement showing I am legally responsible for the {$600.00} balance. 
2. A complete billing history from XXXX XXXX that substantiates the amount owed. 
3. Proof that BullCity has the legal right to collect or report this debt.

This violates the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C.1692g ( b ), which requires debt collectors to validate a debt if disputed, and Fair Credit Reporting Act ( FCRA 15 U S.C. 1681s-2 ( b ) ) which prohibits reporting information that can not be verified.

By deleting one portion of the account ( {$710.00} ) but continuing to report the other {$600.00} balance without providing validation, BullCity is knowingly providing incomplete and misleading information to Experian. 
I request that CFPB require BullCity Financial Solutions to : - Immediately provide full validation of the alleged {$600.00} balance or, -Permanently delete the account from all credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TN

Complaint narrative:
I submitted a dispute regarding the XXXX XXXX XXXX account with Equifax more than XXXX  days ago. This account is reported with inconsistent and inaccurate information. The account shows as paid with a XXXX balance, but the payment history includes negative marks ( XXXX and XXXX  days late ). This is inaccurate, misleading, and damaging to my credit file. XXXX reporting is inconsistent with the other bureaus, raising further concerns about accuracy and compliance with the FCRA. Despite my dispute and supporting documentation, Equifax has not corrected these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
The credit reporting agencies are reporting the account XXXX XXXX XXXX inaccurately, and they have failed to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

I contacted the original creditor, XXXX XXXX, who confirmed that the owner of this account is XXXX XXXX XXXX, not XXXX Funding. I attached proof of this for reference, yet the CRAs continue to report XXXX XXXX as the owner. 

I previously notified the CRAs that this account is in litigation, and I have proof from the collection agency in CFPB response XXXX XXXXXXXX confirming this. The CRAs have ignored this and refused to delete the account. 

the CRAs are reporting {$9500.00}, which is inaccurate and misleading. 

These are multiple clear violations of the FCRA. This is now my XXXX  attempt to have this corrected, and the CRAs have not provided verification or corrected the reporting.

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