vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I previously filed XXXX complaints with the CFPB : XXXX ( XXXX ) XXXX ( XXXX ) I asked XXXX XXXX to confirm whether the payment schedule was officially closed. I never received a clear yes or no answer for XXXX and XXXX. 

Now I also request confirmation for XX/XX/year>. 
I attached the statement dated XX/XX/year>. 

Please confirm : Was the XX/XX/year> schedule closed yes or no? 
Was the XX/XX/year> schedule closed yes or no? 
XX/XX/year> was partially paid was it officially considered closed?

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 2025-06-21 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:
See the attached for the details of removal and here for the accoutns to be deleted. 
Remove the following for... 
XXXX XXXX XX/XX/year> ss # xxx XXXX XXXX following errors- on all XXXX agencies. 
XXXX. XXXX XXXX Credit card XXXX. XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX XXXX Credit card XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2025-06-21 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: FL

Complaint narrative:
According to the 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as updated and verified. I requested even with my other complaint they never sent verification of debt. The ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated. I was involved in several Data breaches and have been a victim of Identity theft Please see attachments.

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 2025-06-21 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: FL

Complaint narrative:
According to the 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as updated and verified. I requested even with my other complaint they never sent verification of debt. The ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated. I was involved in several Data breaches and have been a victim of Identity theft Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
I logged onto my TransUnion account and noticed a hard inquiry that wasnt my doing. I suspect identity theft but Im not sure what to do because I didnt make that transaction. Please help.

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 2025-06-21 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: PA

Complaint narrative:
I am submitting this complaint because several accounts that were either paid in full or XXXX in my XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, XXXX XX/XX/year> ) are still being reported inaccurately on my credit reports. These include XXXX accounts with XXXX XXXX and others from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX 
Additionally, multiple unauthorized hard inquiries were made to my credit file without my permission, including XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have submitted disputes to TransUnion, Experian, and Equifax, but these items have not been corrected. This violates the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code.

I am requesting the CFPB assist in the full deletion of these accounts and inquiries from all three credit bureaus.

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 2025-06-21 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: AZ

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, AZ XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXXXXXX XXXX ] [ EXPERIAN ] XXXX XXXX XXXXXXXX XXXX ] [ XXXX, TX XXXX ] RE : Dispute of Charged-Off Account Request for Securitization and Validation Information Account Number : [ XXXX ] Dear [ XXXX XXXX XXXXXXXX XXXX ], I am writing to formally dispute the validity and ownership of the above-referenced account, which is being reported as charged off. I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and specifically request information related to the securitization status of this account.

Please consider this letter a formal request for : 1. Proof of Securitization Please confirm whether this account was securitized, and if so, provide the name of the trust or entity that holds the beneficial interest in the debt, along with the Pooling and Servicing Agreement ( PSA ) that governs this asset.

2. Chain of Title / Assignment History I request a complete record of the chain of assignments, sales, or transfers of this account from the original creditor to the current owner, including dates and legal documentation showing ownership.

3. Validation of the Debt Provide : The original signed agreement bearing my signature.

A detailed accounting of the amount claimed as due, including all interest, fees, and charges added since origination.

Proof that your company or client has the legal right to collect on this account.

4. Verification of Charge-Off Clarify the charge-off status, including the exact date and reason for charge-off, and whether a 1099-C was issued or any tax-related implications are involved.

Please be advised that until this information is provided, I do not acknowledge any responsibility for this alleged debt. Furthermore, any continued reporting of this account to the credit reporting agencies without proper validation may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. If this account was in fact securitized, you may no longer have the legal right to collect on it. As such, I request that any collection activity be suspended until full validation is provided.

I expect your response within 30 days of receipt of this letter, as required by law. Please respond in writing to the address listed above. 
Sincerely, [ 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 2025-06-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. XXXX American Express credit card accounts were fraudulently opened using my personal information, including my name, SSN, address, and drivers license.

1. A personal American Express credit card was opened around XX/XX/year> with a balance of approximately {$2000.00}. I did not authorize or apply for this account, and I discovered it after reviewing my credit report. 
2. A business American Express credit card was opened around XX/XX/year>, with a balance of approximately {$4100.00}. This account may have been opened under my name or under my business entity. I found out about it through third-party sources. Although it does not currently appear on my personal credit report, it was still opened using my identity without my consent. 

I have filed an Identity Theft Report with the FTC and submitted disputes to the credit bureaus. I am not responsible for these accounts or their balances, and I request urgent action to resolve this fraud. It appears that the fraudulent accounts may have been opened using my phone number and/or email address, which further misrepresents the account as mine. I did not authorize any use of my personal contact information for these accounts. This was done without my knowledge and further confirms the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I obtained my personal credit report to purchase a car and I was denied due to me having accounts on my personal credit report that doesnt belong to me. I have reached out to the credit bureaus and advised them of the accounts I didnt authorize and they are still being reported to my credit report. I am out of options and I need to obtain a car and I should not be liable for accounts I did not authorize on my credit report. Can you please help me? I have attached the accounts and account numbers of the items that do not belong to me. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
Since XX/XX/year>, I have repeatedly made written disputes to the three major credit reporting agencies that the reporting by XXXX XXXX of a claimed deficiency balance has not been validated with legally mandated documentation within the allowable time frame according to Florida legal statutes. The reporting agencies have failed to properly provide me with the means of their investigation and have failed to remove the invalidated debt from my credit report as I have repeatedly requested.

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 2025-06-21 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: FL

Complaint narrative:
Since XX/XX/year>, I have repeatedly made written disputes to the three major credit reporting agencies that the reporting by XXXX XXXX of a claimed deficiency balance has not been validated with legally mandated documentation within the allowable time frame according to Florida legal statutes. The reporting agencies have failed to properly provide me with the means of their investigation and have failed to remove the invalidated debt from my credit report as I have repeatedly requested.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

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 XXXX 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 XXXX 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.

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 2025-06-21 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: OK

Complaint narrative:
XXXX XXXX XXXX has a account posted on my experian bureau stating a balance of over XXXX past due and is calling it a charge off will I never received a 1099 for a charge off and if it was then there is no way it can have a balance

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-21 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: TX

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as a verified victim of identity theft, unauthorized personal data usage, and inaccurate credit reporting. 

On XX/XX/year>, I submitted dispute letters to Transunion addressing multiple violations including : - Fraudulently reported or factually inaccurate accounts - Improper status updates and re-aging of debt - Inaccurate personal identifiers ( name, address, employer ) - Hard inquiries that I did not authorize - Failure to notify or validate debt under the FDCPA My dispute packets included all required documentation as outlined under FCRA 605B, including : - FTC Identity Theft Report - Government-issued ID - Proof of address - Highlighted disputed information These actions ( or inactions ) by the credit bureaus violate multiple statutory obligations, including : - FCRA 605B : Failure to block identity theft-related data within 4 business days - FCRA 611 : Failure to conduct a reasonable investigation and delete unverifiable data within 30 days - FCRA 602 ( a ) : Failure to ensure maximum possible accuracy in credit reports- FCRA 609 ( c ) : Failure to provide proper notice of consumer rights- 15 U.S. Code 1681 : General violations of the FCRAs requirements for consumer reporting - 15 U.S. Code 1602p : Misuse of personal identifying information - 15 U.S. Code 1666b : Inaccurate billing and timeline misreporting ( including re-aging of accounts ) - 15 U.S. Code 1692c ( FDCPA ) : Debt collectors reporting without prior communication or notice to the consumer I am filing this complaint proactively to ensure full legal compliance and the protection of 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 non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief