vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I purchased a vehicle from Hyundai of XXXX XXXX XXXX in XX/XX/year>. At the time of purchase, I signed a contract for a XXXX term at a 1.90 % interest rate. However, without my knowledge or consent, a second contract was created on XX/XX/year>, changing the terms to 84 months and increasing the interest rate to 5.89 %. I did not return to the dealership to sign a new contract, nor did I authorize this change. I have copies of both contracts, and the signatures on the second is 100 % forged. I visited the dealership and spoke with a representative named XXXX XXXX after waiting for XXXX hours in the lobby. He stated he would follow up with me but never did. My vehicle should have been fully paid off last month under the original agreement. I am seeking to have this issue resolved and for the dealership to honor the original terms of my contract. I do not believe I should still be making car payments due to this unauthorized change. I am requesting that Hyundai of XXXX XXXX XXXX rectify this situation by closing out the account in accordance with the original XXXX, 1.90 % interest contract.

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 2025-05-21 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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 AND XXXX. 

Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Please remove the hard inquiries listed on my credit report that resulted from fraudulent activity and are not associated with my account. I kindly request an updated copy of my credit report sent to me via mail. The inquiries in question are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, XXXX XXXX XXXX appears multiple times on the report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding XXXX continued reporting of a closed credit card account ( account ending in XXXX ) that was settled for less than the full balance in XXXX 2022. Despite the account being settled, the credit report continues to show the account as CO ( charge-off ) in the payment history for multiple months following settlement including all of 2022.

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards : Violations Identified : Post-Settlement Charge-Off Status ( Re-aging ) : The account continues to reflect CO ( charge-off ) monthly after the date it was settled.

Metro 2 Violation : Once a debt is settled and no longer collectible, data furnishers must stop updating monthly with charge-off indicators.

FCRA 607 ( b ) Violation : This repeated reporting misrepresents the current legal status of the debt and is not the most accurate portrayal of the account.

Balance and Status Conflict : The credit report shows the balance as {$0.00}, states Paid in settlement, and also shows {$11000.00} written off.

Despite this, the monthly history continues to reflect CO after resolution misleading both creditors and scoring models.

Improper Damage to Credit File : The continued CO reporting post-settlement materially harms my credit score by signaling ongoing charge-off activity which is not true.

This repeated negative history artificially extends the derogatory impact, a practice often referred to as re-aging, which is deceptive and prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 am submitting a complaint regarding XXXX continued reporting of a closed credit card account ( account ending in XXXX ) that was settled for less than the full balance in XXXX 2022. Despite the account being settled, the credit report continues to show the account as CO ( charge-off ) in the payment history for multiple months following settlement including all of 2022.

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards : Violations Identified : Post-Settlement Charge-Off Status ( Re-aging ) : The account continues to reflect CO ( charge-off ) monthly after the date it was settled.

Metro 2 Violation : Once a debt is settled and no longer collectible, data furnishers must stop updating monthly with charge-off indicators.

FCRA 607 ( b ) Violation : This repeated reporting misrepresents the current legal status of the debt and is not the most accurate portrayal of the account.

Balance and Status Conflict : The credit report shows the balance as {$0.00}, states Paid in settlement, and also shows {$11000.00} written off.

Despite this, the monthly history continues to reflect CO after resolution misleading both creditors and scoring models.

Improper Damage to Credit File : The continued CO reporting post-settlement materially harms my credit score by signaling ongoing charge-off activity which is not true.

This repeated negative history artificially extends the derogatory impact, a practice often referred to as re-aging, which is deceptive and prohibited.

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 2025-05-21 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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: IN

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC for {$690.00} Never had a collection or any accounts with this company I reported it through XXXX & they failed to properly investigate & remove it from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LEXISNEXIS
State: CT

Complaint narrative:
XXXX agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I TRIED TO UNFREEZE MY CREDIT ACCOUNTS TODAY. XXXX XXXX XXXX  WERE EASY, SIMPLE AND EFFICIENT. 
EXPERIAN WON'T LET ME DO IT BY PHONE OR ONLINE AND WONT LET ME SPEAK TO ANYONE. 
THE PHONE RECORDING TELLS ME I HAVE TO GO ONLINE. ONLINE REQUIRES A TEXT RESPONSE WHICH THEN TELLS ME THAT I AM A BOT. THERE IS NO WAY TO REACH A HUMAN. 
IF XXXX XXXX XXXX  CAN BE EFFICIENT WHY SHOULD EXPERIAN BE IMPOSSIBLE??

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 2025-05-21 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX an unauthorized transaction for {$2300.00} was processed through my Cash App account. I did not approve this payment and do not recognize the recipient. I immediately contacted Cash App support on the same day to dispute the charge. I submitted all relevant details and documentation, including screenshots. On XX/XX/scrub> XXXX XXXX  my dispute was denied without a clear explanation or supporting evidence. Follow-up attempts resulted in generic replies and no resolution. 

In addition, in XX/XX/year>, I was scammed into sending {$850.00} via Cash App to a person who claimed they were selling custom artwork. After receiving the money, they stopped responding and never sent the painting. I reported this to Cash App and submitted a dispute, but they again failed to take any meaningful action or refund my money. 

In both cases, I followed Cash Apps procedures, yet no resolution was provided, and I was left without my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
been trying to fix my credit and companies fail to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America ( BoA ) regarding an unacceptable and potentially abusive practice involving their electronic check system. 

On XX/XX/year>, I issued an electronic check ( Check Number : XXXX ) in the amount of {$320.00}. To my surprise, I discovered that BoA places a hold on the funds associated with any electronic check on the due date, regardless of whether the check has actually been cashed or not. This policy results in my money being inaccessibleeven if the payee has not deposited or claimed the funds.

Upon further inquiry, I was informed by BoA representatives that there are two types of electronic checks : draft and single. The single check type allegedly results in the automatic withdrawal of funds on the due date, irrespective of whether the payee completes the transaction. 

There are several serious issues with this practice : Lack of Disclosure : At no point during the check issuance process does BoA provide a clear disclaimer or explanation about the difference between the two types of checks, nor are customers given a choice between them.

Unjust Fund Seizure : By automatically removing funds from my account on the due datewithout confirmation of the check being deposited or cashedBoA effectively assumes control over my funds, even in cases where the payee fails to act. If the payee disappears or does not process the payment, my funds are not returned to me promptly, but instead remain with the bank.

Potentially Unlawful Behavior : This practice enables BoA to hold onto customer funds without rendering a service or completing a transaction. This is not only unfair and opaque but may also violate consumer protection laws or financial regulations regarding unauthorized or premature fund transfers.

This policy appears to be another instance of abusive treatment of customers by BoA, and I request that your office investigate this matter to determine whether Bank of America is in compliance with applicable laws regarding check processing, transparency, and customer rights. 

Please let me know if any further documentation is needed. I am prepared to provide screenshots, statements, or records to support my claim. 

Thanks & regards, 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 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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