vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I am writing to file a complaint regarding a 30-day late payments reported on my credit reports- Account beginning with # XXXX. The late payment occurred in XXXX and XX/XX/year> and it was caused by temporary financial hardship due to the COVID-19 Pandemic. Since then, I have worked diligently to stay current with all payments and have maintained a positive payment history. I am in the process of purchasing a home, and this late payment is significantly affecting my ability to secure favorable loan terms. 
I have contacted Kia Financeand requested a goodwill adjustment for this late payment but have not received a satisfactory resolution. I am asking for your help in removing this late payment from my credit report. At the time ( 2020 ) Kia Finance did not offer proper relief during pandemic and stated its my responsibility to find a way to make payments and stay current despite being unemployed and a global pandemic.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-04-14 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 Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry:XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group help me due to XXXX XXXX  debt bondage, Which falls under XXXX  according to XXXX -Debt Final Rule 1002.142 ( b ) 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block out this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX of Debt Bondage and will like for listed account to be blocked and deleted company information TransUnion. Please delete the following account. XXXX XXXX Account XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where XXXX has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as XXXX inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts Thank You

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year> I look at my credit report and it has few misleading information on there I seen capital on credit card was on my report I dispute it few times still on my report its illegal I never opened credit card they dont have the right information and still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from BMO dated XX/XX/XXXX that they had closed my credit card account and that it would no longer be valid after XX/XX/XXXX ( yes 10 days prior to the letter even being written ). The actual credit cards expiration date is XX/XX/XXXX. I contacted BMO via the number in the letter and was told that the decision was made to close my account and they would not provide any rationale/reason for the closure. I asked to speak to a supervisor and the supervisor made the exact same statement. I then confirmed with BMO that my account 1. did NOT show a single missed or late payment 2. that each month the account balance was either paid in full or a payment many times the minimum payment required was remitted 3. that the account never went over the stated agreed upon limit BMO confirmed all of the above In addition I reminded BMO that my credit score runs between XXXX and XXXX consistently which they also acknowledged. 

My complaint is why can BMO close the account without any explanation whatsoever and how do I get an explanation? 

My additional concern is that this random unwarranted closure of my account will negatively impact my excellent credit rating that I have achieved and make sure to preserve?

BMO would provide zero information with regard to either of these questions/concerns/complaints. 

Therefore I am reaching out to this agency to provide some resolution as treating a consumer with a long standing excellent credit rating, and a historically excellent payment profile with a complete unwillingness to provide any explanation for closure seems complaint worthy. 

Thank you in advance for assistance 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 2025-04-14 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: TX

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 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Company never contacted me within past three years when alleged debt occurred. I had never received any calls, emails, letters associated with said alleged collection.

When I requested any and all relevant information pertaining to alleged debt, and prior communication I was never provided with any of it ....

I've never heard from anyone pertaining to alleged debt for the past 4 years, not it appeared on my report as collection without any warning. I was never notified of any debt or any attempts to collect said debt.

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On XX/XX/XXXX, someone impersonating a Navy Federal Fraud agent, contacted me letting me know about fraudulent purchases. I told them that it was not me and they told me they were going to freeze my card and Online banking so they can see what's going on and asked me to verify my pass phrase and mailing address and I did. They told me they were emailing me verification codes so they could verify my identity with Navy Fed and I gave them the codes .The caller said they could not remove the loan and it was just approved sending me another email that the funds were deposited into my account and notifying me of a new credit inquiry. I told them it was fraud and I shouldn't be responsible for those funds. I was placed on hold and the caller talked with with their advisors and said I could payback the loan amount in full and the mark on my credit would be expunged. The operator instructed me to send {$3900.00} to generated NFCU card thru apple pay. I concluded the call and headed to the XXXX XXXX Location to explain that I need a new debit card. They look into their systems and informed me that I was scammed and the person I talked to was not with NFCU. At that point I asked them to help us fix this and open up a fraud claim and we had to close all of our accounts and open new ones. I had no contact with any investigators or anyone call between XX/XX/XXXX and XX/XX/XXXX to update me on what the status was on the fraud claim. I called to see what the status was and the employee I spoke with couldn't give me any information. The next day on XX/XX/XXXX, we received a letter in the mail from Navy Federal Credit Union informing us about the decision that no error occurred, the claim was denied, and that I benefited from the transaction with an incorrect dollar amount of {$4900.00}. I contacted Navy Federal and submitted an appeal to the decision and requested the investigation reopen and provide documentation to support their decision and I have heard nothing. No further action was taken by the company and after the appeal, we did not receive any decision letters or evidence that I requested to support the decision on why the claim was denied. 

We sought further action by filing a report with the local PD and filed a complaint thru the XXXX XXXX department just to get the same silent response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person.

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 2025-04-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has been sending notices saying that I owe a debt to them. I have sent notices requesting that they provide the original purchase agreement, copy of the contract that I have with them stating that I owe them any amount of money. They are falsely reporting that I owe a debt to them despite of my submission of an identity theft report which list the original creditor as also misreporting an account that does not belong to me. Midland has no proof of claim neither does the alleged original creditor. XXXX and XXXX has deleted this account ( alleged original creditor ) however Midland has this account reporting as collections on XXXX. I have attached copies of my XXXX and XXXX CFPB complaint report that showcases the removal of this account. I have also attached a copy of my identity theft report along with a cease and desist letter to Midland. This Midland account needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
XXXX XXXX Second Notice Demand for Immediate Deletion of Unverified Late Payments ( FCRA Violation ) To Whom It May Concern, This is my second formal notice disputing the inaccurate late payments reported on my credit file. I am writing regarding the continued reporting of late payments for the account listed as : Creditor : XXXX XXXX XXXX XXXX XXXX, TX XXXX Although I have repeatedly disputed this information, Experian has responded by sending computer-generated billing data and account summaries with no contractual proof or consumer authorization bearing my signature. This is not a valid investigation and does not meet the legal standards under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 15 U.S.C. 1681i ( a ), the credit reporting agency must conduct a reasonable reinvestigation, and if the information can not be verified with original documentation, it must be promptly deleted. 

A screenshot or account history is not legal proof of a valid debt or delinquency. Per FACTA and FCRA, you must be able to provide documented evidence, including : A signed original application or agreement showing I authorized the account, A contract showing payment terms, Verified billing records with my signed acknowledgment, Proof that I was legally notified of delinquency or given a chance to cure it. 
Furthermore, repeated communication with third-party data furnishers ( like XXXX ) to verify late payments while never producing legal, original documents is a stall tactic that violates 15 U.S.C. 1681e ( b ), which mandates reasonable procedures for maximum accuracy.

If this account continues to reflect late payments without actual validation ( not just verification ), this will be considered : Negligent noncompliance under FCRA 1681o, Willful noncompliance under FCRA 1681n, A potential violation of the Fair Debt Collection Practices Act ( FDCPA ) if any of the furnishers are debt collectors contacting me without validation. 
Final Request : I am demanding the removal of all late payments from this account due to lack of verification and failure to supply legally required evidence. You have 15 days to respond and delete or I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), Report Experian to my State Attorney General, Retain legal counsel and pursue statutory damages for willful noncompliance. 
This is not a request this is a demand for compliance with federal consumer 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
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
i recently reviewed my credit report and noticed an account reporting on my credit file that I did not set up. Please remove this account from my credit file. 
XXXX XXXX XXXX XXXX. Acct : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This account was restarted 6 years after I already left the residence. According to my conversation with the XXXX XXXX representative XXXX in XXXX, the first charge on this account was XX/XX/XXXX. This is 3+ years after I left the location. The two most recent bills were on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. I left the residence in XX/XX/XXXX and have not moved back since. 

This is collections and bill from XXXX XXXX has been disputed multiple times with relevant information showing that is bill is fraudulent. There has never been a response from XXXX XXXX. Kindly see the attachments for further documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account number XXXX For identity verification, I am including the following documents : A copy of my California-issued ID A copy of my Social Security card A recent bank statement showing my current address

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