vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had to transfer the title from the car I leased from XXXX into my name to renew my plates and registration that was going to soon be expired. 

XXXX said that they were sending a check in the mail a month prior to refund me ( the buyer ) of the sales tax I that paid upfront when leasing the same vehicle from XXXX 3 years ago, in Florida. 

The check was late/missing in the mail and I couldnt wait any longer to renew my license plate and registration. 

Therefore I had to pay the sales tax that the check in the mail was coming for out of pocket. 

When I received the check, it was written out to the title clerk at the license bureau. 

I then reached out to XXXX  on XX/XX/XXXX to rewrite a check addressed to me because I had to pay for the sales tax a second time out of pocket when I renewed my license plates and registration with the title that * Now belongs to me since I paid off the vehicle they told me I would hear from them in between three and five business days. 

Yesterday, XX/XX/XXXX I spent two hours and 15 minutes on the phone with XXXX trying to receive any update regarding my case. 

I had to cover the funds out of pocket that the check that was lost was going to cover when I renewed my plates and registration 45 days ago. The check has a value of around {$1000.00} that I can not get an update on from XXXX after waiting almost doubled the estimated wait time. 

When I asked if there was a direct line or email or phone number to follow up regarding my case I was told that I have to go through customer service to reach anybody with information regarding my case even though nine days later there seems to be no information at all. 

This is a lot of money that is personally affecting my life and it is unacceptable that there is nobody that can provide me an update on my case with a quick phone call.

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 2025-07-29 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-29 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: AL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-07-29 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX/XXXX, Balance : {$32000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
To Whom It May Concern : This letter serves as a formal identity theft statement in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I am exercising my rights under federal law to block and request the permanent removal of fraudulent information that has appeared on my credit report.

I did not authorize, open, or initiate the following accounts and/or collections, and I believe they are the result of identity theft or unauthorized use of my personal information Credence resource management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses don't belong to me please update information

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 2025-07-29 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:
To Whom It May Concern : This letter serves as a formal identity theft statement in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I am exercising my rights under federal law to block and request the permanent removal of fraudulent information that has appeared on my credit report.

I did not authorize, open, or initiate the following accounts and/or collections, and I believe they are the result of identity theft or unauthorized use of my personal information Credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX addresses don't belong to me please update information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate reporting of multiple late payments by XXXX. According to their records, several payments have been falsely reported as late, despite the fact that they were made on time and in accordance with the agreed terms. These errors are not only incorrect but are also unlawfully damaging my creditworthiness.

This false reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information be complete, accurate, and verifiable. The continued presence of these inaccuracies constitutes negligent misreporting and is directly harming my credit score and financial standing.

.

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 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have already spoken with my assigned agent who recommended for me to follow up with the main account & obtain relevant documentation of this medical debt. This is now my XXXX time requesting thorough information regarding my account. My bank statements have no indication of attempted auto payments which was agreed upon in the signed contract. I also have no itemized billing statement which I requested for a XXXX time on XX/XX/XXXX, but instead received a threatening email on XX/XX/XXXX. These tactics are not helpful and communication is very limited in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DEPTEDXXXX - Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have failed to validate the debts and did not provide me with proof as requested. I have been a victim of identity theft and there have been multiple bank accounts opened in my name and an unemployment benefits claim was submitted fraudulently and taxes were imposed on those benefits received. This has been a nightmare, and I can't seem to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
b'I am a victim of identity theft, and my credit report contains four fraudulent accounts that I did not authorize, apply for, or use. I have never signed any documentation related to themXXXXThe fraudulent accounts are as followsXXXX XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX XXXX  Acct #: XXXX XXXX XXXX XXXX XXXX  Opened: XXXX  Balance: XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX have filed an official FTC Identity Theft Report (XXXX XXXX) and completed a notarized Identity Theft Affidavit.\n\nEnclosed are copies of:\n Government-issued ID (Drivers License)\n Social Security card\n Proof of current address'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
b'I am a victim of identity theft, and my credit report contains four fraudulent accounts that I did not authorize, apply for, or use. I have never signed any documentation related to themXXXXThe fraudulent accounts are as followsXXXX XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX XXXX  Acct #: XXXX XXXX XXXX XXXX XXXX  Opened: XXXX  Balance: XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX  Acct #: XXXX  Opened: XXXX  Balance: XXXX have filed an official FTC Identity Theft Report (XXXX XXXX) and completed a notarized Identity Theft Affidavit.\n\nEnclosed are copies of:\n Government-issued ID (Drivers License)\n Social Security card\n Proof of current address'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX of XXXX, I called and requested verification of this debt because my identity was found in a XXXX and prompted me to check my credit report. I was told I would receive correspondence by mail within 30 days. I received an account summary portraying the final bill amount for a credit card I do not recognize. XX/XX/XXXX, I mailed a letter to Resurgent capital services ( debt collector ) formally requesting the original agreement of the contract, including its signature, from the creditor. I requested for the debt to be removed if this information could not be produced within 30 days. Instead, on XX/XX/XXXX, I received a duplicated copy of the account summary showing a final bill. As of XX/XX/XXXX I have not received the original contract agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXX Balance : {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX I, XXXX XXXX, hereby swear under the penalty of perjury that the foregoing is true and I am prepared to testify truthfully and competently heretofore. MRS BPO , LLC, did send me a text advising that they are collecting Verizons fraudulent balance. MRS BPO claims to represent the fraudulent debt but does not reference the debt amount or conditions to dispute as proscribed by law. The FTC and the XXXX were alerted to the fraud by XXXX and their attempt to collect same. MRS BPO IS THREATENING MY CREDIT IN ORDER TO EXACT PAYMENT FOR A FRAUDULENT BALANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation