vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchased a XXXX  XXXX XXXX XXXX : XXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General Manager @ Kia of XXXX XXXX XX/XX/year>. Kia Finance sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to XXXX, XXXX XXXX XXXX, from XXXX than XXXX  days late to currently reporting as a charge off account. This account has been devastating to my credit rating.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-03-25 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: NY

Complaint narrative:
I recently made a payment for XXXX XXXX The payment was returned due to unsettled activity on the bank 's end but the payment went through on second attempt with out any trouble and between the first and second attempts, Amex charged me return payment fee. I reached out to one of the representatives yesterday and I was told that the fee would be charged only if the payment doesn't go through on the second attempt. Today ( XX/XX/year> ) when I called the Amex, The customer representatives gave me a completely different information and are asking me to pay the fee. I am not comfortable paying fee for money I didn't use or owe. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX on my credit report, which I believe is inaccurate and unjustly reported. This erroneous entry is negatively impacting my creditworthiness and is preventing me from securing a home loan. Below are the details of the account in question : - **Account Number : ** XXXX - **Original Lender : ** XXXX XXXX XXXX XXXX XXXX Assigned : ** XX/XX/year> - **Original Balance : ** {$980.00} - **Current Balance : ** {$680.00} - **Responsibility : ** Individual - **Comments : ** Consumer disputes- reinvestigation in progress, Collection account I have disputed the legitimacy of this account, and I note that there is already a reinvestigation in progress, as indicated in the comments on my credit report. Despite this, the inaccurate information continues to harm my credit profile.

Under **Section 605B of the Fair Credit Reporting Act ( FCRA ) **, I am formally requesting the removal of the disputed XXXX XXXX XXXX account from my credit report as the resolution to this matter. The FCRA provides consumers with protections against the detrimental effects of erroneous credit reporting, and I am invoking these protections to ensure that this issue is corrected without delay. 

This account is causing significant financial hardship, including preventing me from obtaining a home loan, and I am urging the Consumer Financial Protection Bureau ( CFPB ) to act swiftly. I request that this matter be fully investigated and that the account in question be permanently removed from my credit report as part of the resolution. 

Please find attached a copy of my credit report highlighting the disputed entry for your reference. I kindly ask for updates regarding the progress and outcome of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America closed our business bank and savings accounts that we have had for many years with absolutely no warning and no reason. Just went to log in one day when I was alerted that an automatic payment was returned and it says the account doesnt exist. When I call them they can not explain why the accounts have been closed and they cant tell me how long its going to be until they give us back our money. So all of a sudden I can not pay my bills because we have no bank account or money since they took all of our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to resolve the issue regarding the debt collection from Credence Resource Management , LLC - XXXX XXXX for my XXXX XXXX  account ( XXXX ) in the amount of {$220.00}. XXXX has confirmed on multiple occasions that I do not owe any amount, and they stated that the account number provided does not match my account number for my XXXX mobile Previously, on XXXX of XX/XX/year> I disputed this charge from my collection through XXXX, and it was removed from my record. However, I have recently on XXXX of XXXX been charged again, now stating that I owe {$220.00}. I have reached out to XXXX  countless times, and they have once again confirmed that I do not owe anything. Since XXXX is my XXXX and XXXX  service provider, I trust their confirmation. 

Given this information, I believe this situation constitutes fraud, and I request that this debt collection be resolved accordingly. 
Please contact XXXX to confirm that didnt owe this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX XXXX XXXX, MS XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records.

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report.

Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim.

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX  Acct 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 2025-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a Sr. or a THIRD as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unlawful items reported on my credit file by various creditors and debt XXXX. These accounts contain erroneous and damaging information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts XXXX Account Number : XXXX Issue : The account shows a balance of {$6900.00} with a credit limit of {$4300.00}, reflecting a 100 % + usage rate on a closed account, which is misleading and derogatory. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ), ( inaccurate reporting ) ; 1681e ( b ) ( failure to maintain accurate data ). 

XXXX XXXX Account Number : XXXX Issue : 100 % utilization reported on a closed account, balance of {$670.00} on a {$600.00} limit, creating a falsely negative impact. 

Violations : FCRA 1681e ( b ), FDCPA 807 ( 8 ) ( false representation of character/amount ). 

XXXX XXXXXXXX XXXX Account Number : XXXX Issue : The reported balance exceeds the credit limit, which is inaccurate for a closed account. 

Violations : FCRA 1681c ( obsolete and misleading reporting ). 

XXXX XXXX  Account Number : XXXX Issue : 100 % utilization ( {$9700.00} on {$9000.00} ) despite being closed, misrepresenting risk to potential creditors. 

Violations : FCRA 1681s-2 ( b ), FDCPA 807. 

XXXX XXXX XXXX  Account Number : XXXX Issue : 0 % usage, yet still flagged with 7 potentially negative months. The account has a {$0.00} balance. 

Violations : FCRA 1681i ( failure to update or delete inaccurate info ). 

XXXX XXXX XXXX Account Number : XXXX Issue : Debt is listed as paid off ( {$0.00} balance ), but still marked collection account, past due, which is misleading. 

Violations : FDCPA 807 ( 2 ) ( A ), FCRA 1681s-2. 

XXXX XXXX XXXX Account Number : XXXX Issue : Collection status reporting an unpaid balance of {$3500.00} without validation of debt. 

Violations : FDCPA 809 ( b ), FCRA 1681b ( a ) ( 3 ).

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-25 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: NC

Complaint narrative:
I have recieved a copy of my credit report to find the following items unfamiliar. I have explained the dicrepancies of the following hard inquiries from XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX acct # : 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Account paid in full- creditor XXXX XXXX  states that can not advise as to when the credit bureaus will be updated as to payment in full, no time frame given and supervisor XXXX  states that her company advises them not to tell customers when credit bureaus will be updated.

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 2025-03-25 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation