vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on w
hich the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
This situation has caused me significant emotional distress, tension in my marriage, and even concerns about my employment. I feel hopeless and overwhelmed because an account that I did not authorize is damaging my credit and reputation. I spoke with the lender and they were unable to find any information related to me. I respectfully request that this fraudulent account be immediately REMOVED and BLOCKED from my credit report to protect my personal and financial well-being. This is the fraudulent account : XXXX, XXXX - opened in XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute and request the removal of unauthorized or unverified hard inquiries that appear on my credit report. These inquiries were made without my written consent or permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). The following inquiries appear inaccurate or unauthorized : XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Finance ) 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 2025-11-07 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: CA

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

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 2025-11-07 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple serious inaccuracies on my credit reports that are negatively impacting my creditworthiness and reputation. Despite my efforts to correct these errors with the credit bureaus and furnishers, these false and misleading items continue to appear. I am requesting the CFPBs immediate assistance in investigating and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). 

The inaccurate items are as follows : Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX This is not my current or previous address. I have no connection whatsoever to this location. I request that this inaccurate address be permanently deleted from my credit profile. 

XXXX XXXX BANK ( XXXX # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$1000.00} This account is being reported with a late payment history, which is completely inaccurate. I have never made any late payments to this creditor. The reporting of this false delinquency is damaging my credit standing and violates FCRA 607 ( b ), which requires data furnishers to report accurate information. I request that the late payment status be immediately corrected to show a perfect payment history. 

XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3000.00} This account is being reported as a charge-off, which is entirely incorrect. I have no knowledge of this account, and I never authorized or opened it. This appears to be either a case of mistaken identity or identity theft. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), I request that this fraudulent charge-off account be deleted immediately. 

XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$40000.00} I have no knowledge of this account and have never had any financial relationship with this entity. This account is false and unverifiable, and must be removed immediately from my credit reports under FCRA 611. 

These inaccurate entries are causing significant harm to my credit score, financial reputation, and overall well-being. I am requesting a complete investigation into each of these items and the enforcement of my rights under the Fair Credit Reporting Act. 

Please ensure that each data furnisher and credit bureau involved ( Equifax, XXXX, and XXXX  ) conducts a thorough reinvestigation and provides written verification of their findings within the time frame prescribed by law. 

Thank you for your prompt attention to this matter. I expect a full and fair resolution, including written confirmation of corrections or deletions, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I hired Americor Funding , LLC for their debt settlement program. They have failed to provide the services promised, breached our contract, and engaged in unauthorized financial actions. 

Service Failure & Client Abandonment : A creditor sued me, and I was served with formal legal XXXX documents requiring a response by a critical court deadline. I immediately provided these documents to Americor. Per their own terms, a litigated account is supposed to be a " Stage 6 : Specialized Negotiation '' priority. Instead, they misclassified the account as " Stage 2 '' ( needing to age ) and refused in writing to provide any assistance. They stated they " are not attorneys '' and would not even contact the opposing law firm to request a simple extension, abandoning me to face a default judgment and wage garnishment alone. 

Unauthorized Debits : While auditing my account, I discovered Americor has been taking unauthorized debits from my bank account. My signed 36-page Debt Resolution Agreement explicitly authorized a bi-weekly debit of {$180.00}. My bank statements prove they have been taking {$190.00} with every payment, an overcharge of {$13.00} per debit without my consent. 

Negligent Payment Management : Americor 's system also failed to make the final payment on a different settled account ( for TD Bank ) in XX/XX/year>. Their own statement shows the payment failed for " Insufficient Funds '' in the account they manage, causing my settlement to default. They never notified me. 

Failure to Complete Service : For the accounts I did successfully pay off, Americor has failed to provide the essential " Settlement Completion Letters '' or " Paid in Full '' documents, leaving me legally exposed to future " zombie debt '' collection. 

Americor breached its contract, took unauthorized money, and abandoned me at the most critical moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance XXXX issued a payoff amount to my auto insurance provider in connection with a total loss claim on a leased vehicle. The amount paid by the insurance company exceeded the payoff provided by Kia Finance by {$1900.00}. Following reconciliation of the transaction, Kia Finance has asserted that I owe an additional {$1000.00}, which they claim represents my insurance deductible. 
However, the insurance company had already deducted the {$1000.00} deductible from the total settlement amount prior to remitting payment to Kia Finance. Therefore, Kia Finances claim is duplicative and unfounded.

As a result of this discrepancy, Kia Finance has retained a total of {$2900.00} beyond the actual payoff amount, and is now reporting a balance due on my account. This action is adversely affecting my personal credit, which has historically been in excellent standing. 
I dispute Kia Finances claim and request immediate correction of the account balance and removal of any negative credit reporting associated with 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 explanation
Consumer complaint received 2025-11-07 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-07 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: CA

Complaint narrative:
Please accept this letter as my formal dispute concerning the referenced accounts. I am not associated with them and did not authorize their creation. I respectfully request their prompt removal and a complete review. Documentation is enclosed for your reference.

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 2025-11-07 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

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 2025-11-07 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 2025-11-07 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: PA

Complaint narrative:
I submitted a dispute to Experian via certified mail regarding multiple inaccurate and unverifiable tradelines, under my rights established by FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ).

The following accounts remain inaccurate and unverified : XXXX XXXX / XXXX reflects an invalid 60-day late payment not confirmed by the furnisher. 
XXXX XXXX ( XXXX XXXX ) account was transferred to another servicer but continues to show delinquency. 
XXXX / XXXX XXXX XXXX duplicate tradeline with inconsistent information that fails the accuracy requirement of 607 ( b ). 
Experian has not produced verification or corrected these items. Reporting unverifiable information after a dispute violates the FCRA and materially damages my credit profile.

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 2025-11-07 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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