vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

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 2025-06-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am filing this complaint regarding an auto loan with Kia Finance America that resulted in a charge-off, despite having active XXXX insurance coverage. 

My vehicle was declared a total loss on XX/XX/year>. My primary insurance company paid a portion of the balance, and the remaining amount approximately {$4900.00} should have been covered by the XXXX insurance I purchased through Kia Finance, which was included in my finance agreement.

After receiving a letter from Kia Finance requesting XXXX documents, I submitted a full package of the required documentation by mail twice as instructed in their correspondence. I complied with all requirements and deadlines. 

Additionally, I sent a follow-up complaint via email to the addresses XXXX and XXXX, which were provided to me over the phone by a Kia representative . 

During that time, I received several phone calls from Kia Finance. However, each time I answered, the call would go silent and then disconnect. This happened multiple times. 

Acting in good faith, I continued to make at least XXXX payments after the total loss in XXXX, XXXX, XXXX, and XX/XX/year> believing XXXX would be applied soon. 

However, the XXXX claim was never processed, and Kia Finance ultimately reported a charge-off of {$4900.00}, which is now severely damaging my credit. 

I am requesting one of the following resolutions : 1. Remove this account entirely from my credit report, XXXX 2. Update the account to reflect Closed Never Late, as I was never late on payments, and the balance should have been resolved through XXXX. 

I have attached a copy of the email I sent to Kia Finance with my formal complaint. I respectfully request immediate action and resolution in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I leased a Mercedes-Benz vehicle through Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX XXXX XX/XX/XXXX. As part of the lease, I paid a {$6500.00} refundable security deposit, which is clearly outlined in Section XXXX of the lease as not to be applied to monthly payments, and refundable after lease termination if no balance is owed. 

In XX/XX/XXXX, I sold the leased vehicle to XXXX XXXX. The dealership submitted payment to XXXX for what was quoted as the customer payoff amount, and the transaction was completed. When I contacted MBFS to request the return of my {$6500.00} deposit, I was told that the deposit had been automatically applied to reduce the customer payoff amount, and that because the dealer used the customer payoff ( not the higher dealer payoff ), the dealer must now pay me the $ XXXXor I forfeit it. 

This distinction between a " customer payoff '' and " dealer payoff '' is not disclosed in the lease agreement, MBFS online portal, or the dealers contract. My lease states that the deposit can only be applied if I owe amounts at the end of the lease, which I did not. MBFS has refused to refund my deposit or provide any contractual justification for this application, despite receiving full payment from the dealer. 

I am requesting a full refund of my {$6500.00} security deposit, in accordance with the lease agreement, as the lease was paid off and terminated with no outstanding amounts due from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I authorize them to access my credit file. This is a clear violation of my rights as a consumerrights I expect to be upheld, especially during an already stressful time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
THESE FRAUDULENTS ACCOUNTS ARE TO BE REMOVED IMMEDIATELY ACCORDING TO XXXX XXXX CODE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc.
State: IN

Complaint narrative:
THESE FRAUDULENTS ACCOUNTS ARE TO BE REMOVED IMMEDIATELY ACCORDING TO XXXX XXXX CODE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
i have multiple fraudulent accounts and inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
This account, registered under [ XXXX XXXX ], has not be properly verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. As a consumer, I have the right to dispute information that is not accurate, complete, or verifiable, and you have an obligation to correct or delete such information if it can not be validly verified.

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 2025-06-30 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: VA

Complaint narrative:
This account, registered under [ XXXX XXXX ], has not be properly verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. As a consumer, I have the right to dispute information that is not accurate, complete, or verifiable, and you have an obligation to correct or delete such information if it can not be validly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint - Collection Agency Violation of Debt Validation and Credit Reporting Laws To Whom It May Concern, I am submitting this complaint regarding a collection agency ( CREDENCE RESOURCE MANAGEMENT ) that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Summary of Violations : 1. No Validation Notice Provided - 12 CFR 1006.34 ( b ) ( 5 ) : The debt collector failed to provide me with a proper validation notice containing the required information about the alleged debt.

2. Collection Activity Before Validation - 12 CFR 1006.34 ( d ) : The agency continued collection efforts, including placing the account on my consumer report, before providing the necessary validation.

3. Failure to Notify About Credit Reporting - 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : I was not notified that negative information would be or had been reported to a credit reporting agency, which is a direct violation of my rights under the FCRA. 

This collection account was placed on my credit report without first providing me a validation notice or an opportunity to dispute the debt. This has caused harm to my creditworthiness and peace of mind.

Requested Resolution : Immediate investigation into this matter ; That the collection agency be instructed to remove the negative reporting until they fully comply with all legal validation and notification requirements ; That appropriate enforcement action be taken against the company for these clear regulatory violations. 

Attached are relevant documents supporting my claims, including a copy of my credit report highlighting the disputed entry. 

Thank you for your time and support in resolving this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Enclosures : copy of credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I've requested more than Once Company provide Documents and they have not provided any Documents showing I have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 2025-06-30 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: NC

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

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/2025 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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 2025-06-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXL Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX BANK XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/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