vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: Kikoff Inc.
State: TX

Complaint narrative:
FRAUD ACCOUNT BELOW : NOT MINE AND IS AFFECTING ALL THREE MAJOR CREDIT BUREAUS. I WILL FILE LITIGATION IF THIS IS NOT THROUGHLY BE TAKEN OFF. 


Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$64000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Self Financial Inc.
State: TX

Complaint narrative:
FRAUD ACCOUNT BELOW : NOT MINE AND IS AFFECTING ALL THREE MAJOR CREDIT BUREAUS. I WILL FILE LITIGATION IF THIS IS NOT THROUGHLY BE TAKEN OFF. 


Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$64000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX [ XXXX XXXX XXXX ] ] [ nationwide capital services [ XXXX XXXX XXXX XXXX XXXX XXXX nationwide capital services XXXX, Nevada, XXXX XXXX ] [ City, State, ZIP Code ] Subject : Dispute of Debt Dear nationwide capital services I am writing to formally dispute the debt you claim I owe, as outlined in your collection notice dated [ Date of Notice ]. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I am exercising that right at this time. 

I request that you provide me with the following documentation to verify the validity of the debt : 1. The name of the original creditor.

2. The amount of the debt, including any interest or fees.

3. A copy of the original agreement or contract that indicates I am responsible for this debt.

4. A statement showing the complete payment history and any charges related to this debt. 

Until this information is provided, I request that you cease all collection activities related to this account and refrain from reporting it to any credit bureaus. 

Please note that under the FDCPA, you are required to investigate and respond to my request within 30 days from the date of this letter. If you are unable to verify this debt, I expect the account to be removed from my credit report and any collection activities to be halted. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information. 

Sincerely, [ XXXX 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 2025-04-02 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:
This accout with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX accout number XXXX has been disputed several times for incorrect information but per Transunion credit reporting agency it keeps being reported as verified ( See attached files ). The account is full of inaccuracies and at this time due to all the reporting inaccuracies the lack of unvalidated account information provided by Transunion I am requesting all information used to validate there findings in writing if this information is unavailable or inaccurate I request the deletion of the XXXX  account immediately from reporting negativitly on my credit report. Per FDCPA regulations the credit reporting agency and the company that provided the information are required to conduct a reasonable investigation of your dispute. At this time I believe that my rights have been violated by these shame investigations that keep returning inaccurate information. That is why I am officially requesting all information used to complete your investigation so that this type of violations of FDCPA regulations stop. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-04-02 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:
Issue Description Securities Fraud Allegations I am filing a complaint regarding securities fraud committed by Hyundai and XXXX XXXX XXXX XXXX in violation of federal securities laws. 

On XX/XX/XXXX, I submitted a formal request for payment on a registered security in accordance with ARTICLE VI of the Indenture Agreement governing the security. Despite multiple attempts to obtain a response, Hyundai and XXXX XXXX XXXX XXXX have : 1. Failed to process the payment as required under the Indenture Agreement.

2. Refused to return the registered security or provide any explanation for nonpayment.

3. Engaged in deceptive practices by withholding material information and failing to fulfill their fiduciary obligations to noteholders. 

These actions constitute securities fraud under federal law, including : Securities Exchange Act of 1934 Section 10 ( b ) & Rule 10b-5 : o Engaging in deceptive and fraudulent practices by failing to process payments, return securities, or provide transparency. 
o Misrepresentation and concealment of material facts regarding the securitys status and payment obligations. 
Trust Indenture Act of 1939 Section 315 ( d ) : o Breach of fiduciary duty by XXXX XXXX XXXX XXXX as trustee, failing to protect noteholders and ensure payment compliance. 
Uniform Commercial Code ( UCC ) Violations Related to Securities Transactions : o UCC 3-104 ( Negotiable Instruments ) The security qualifies as a negotiable instrument that must be honored. 
o UCC 3-602 ( Payment ) Payment must be applied as directed by the noteholder. 
o UCC 4A-305 ( Liability for Improper Execution of Funds Transfers ) XXXX XXXX XXXX XXXX failed to process an authorized payment request. 

Attempts to Resolve Sent multiple written notices, including a Notice of Default and Final Opportunity to Cure. 
No response or corrective action has been taken.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent money using Zelle on my XXXX XXXX account to my landlord the money never went through I filed numerous complaints. Zelle told me to contact bank then bank said I had to contact Zelle. I went back and fourth multiple times. Eventually my bank sent a written document to see what happened with the money. I never heard back from Zelle I called multiple times and never got an update or any mail. Finally I called them recently and they said the case was closed and that I wont get my money back. They said I sent it to the wrong person even though it was the right phone number and name. Also the person receiving it got the text message that they should get the money. Its been 2 years I am still out XXXX dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 2025-04-02 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-02 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: AZ

Complaint narrative:
Im a victim of identity theft because I never authorized # XXXX XXXX XXXX XXXX to report to my credit as a result my identity has been stolen and this company is in violation of the FCRA.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. Please delete this account from my credit report immediately, according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the 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 explanation
Consumer complaint received 2025-04-02 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:
Im a victim of identity theft because I never authorized # XXXX XXXX XXXX XXXX to report to my credit as a result my identity has been stolen and this company is in violation of the FCRA.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. Please delete this account from my credit report immediately, according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank was sent a negotiable instrument for payment per UCC 3-104. The negotiable instrument is legal tender under the UCC. Synchrony Bank can securitize the negotiable instrument per 12 USC 431 and 12 USC 412. However, Synchrony Bank refuses to acknowledge the payment and will only accept Federal Reserve Notes, which is highly illegal. They were sent a debt validation letter in which it was ignored. Instead of acknowledging the debt validation letter, another bill was sent. Previously, the bill was set off to XXXX  after sending a debt validation letter. A few days ago, I received another bill alleging full payment. All correspondences where sent via certified mail. 

Synchrony Bank accepted the negotiable instrument per the UCC and never returned it. According to the UCC, the debt is considered discharged. When I endorsed the promissory note, I signed with " with recourse '' which gives me limited liability. If Synchrony Bank is contracted with the XXXX XXXX XXXX XXXX per the " Federal Home Loan Bank '' Act, then they have access to the federal reserve window. To this day, Synchrony Bank has yet to provide evidence of indebtness by my debt validation letter per 15 USC.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The debt is paid in full im just trying to remove this off my credit any way that I can sue so I can get this off my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LEXISNEXIS
State: FL

Complaint narrative:
Today on XX/XX/scrub>/2025 I attempted to apply for a vehicle loan. I was advised that my report is frozen by LexisNexis. I have never heard of or much less used this company. I attempted multiple times to email and call customer service. The site will not allow me to send messages or requests, and after 2 hours of being on hold, I didnt get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy was dismissed and closed on XX/XX/year> The bankruptcy court doesn't report to the credit agencies.

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 2025-04-02 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:
I HAVE REQUESTED THAT TRANSUNION, EQUIFAX AND EXPERIAN REMOVE THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM XXXXXXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I HAVE REQUESTED THAT TRANSUNION, EQUIFAX AND EXPERIAN REMOVE THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM XXXXXXXX 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 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 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

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 2025-04-02 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: NY

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature, these inquiries appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of these inquiries have been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XX/XX/XXXX & XXXX XX/XX/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 2025-04-02 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief