vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Upon reviewing my consumer credit file, i noticed there's monetary violations that aren't upkeeping my consumer credit file intact. I as the consumer have noticed there's fraudulent accounts on my report, we report it and it returns via different companies to extort my consumer credit file. The main 3 CRA 's aren't keeping my data safe and thery 're intentionally not following the FCRA 605B policy. I never initiated these activities and they're not verified by anything other than the company saying that it's verified. so since that's the case. A check of {$2000.00} is due for placing these fraudulent items on my consumer credit file : XXXX XXXX XXXX  [ {$16000.00} ] XXXX ; XXXX  [ {$9300.00} ] UNKNOWN ACCOUNT NUMBER. AS THE CONSUMER, I'VE PROVIDED MY CORRECT INFO AND NOTICED THERE'S INACCURATE DATA THAT NEEDS TO BE REMOVED. THIS IS THE 3RD TIME THIS FRAUDULENT REPORT KEEPS APPEARING ON MY CONSUMER FILE, SO SOMEONE ISN'T DOING THEIR JOB AND IT'S IMPOSING A VIOLATION UPON ME. I'M NOT SENDING IN ANYTHING WITH THE MAIN 3 CRA 'S AS THEIR INVESTIGATION SYSTEM IS A FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I filed a complaint with this company a month ago I received notice that things would be fixed. They were. However within a week or so they reported false information regarding this issue again. It is stated that a payment was made after the charge-off that is not true. The vehicle has been sold to someone else and it is showing up as if I owe them or have the vehicle and I am making payments. This issue has been going on for XXXX years now. Its very frustrating and it is affecting my credit from me being able to purchase a home. I have spoken with XXXX XXXX at Kia finance who has been the only person trying to help however it seems like when things are looking up with this situation it comes back to being ruined again. I want this removed off my account like Kia finance stated they would. How can they report good then all of a sudden take it back and say payments are being made no they are not. My last payment was the day I turned in vehicle due to military leave XX/XX/year>.

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 2025-03-21 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: AL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-21 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: MN

Complaint narrative:
the mailing address is incorrect, and needs to be corrected unable to get an agent on telephone or online when calling the telephone for Equifax, it always gets directed to their online service when trying to get in to their online service am not successful, perhaps the password is incorrect, however, there is NO option to change the password or " forgot password '' option

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Upon reviewing my consumer credit file, i noticed there's monetary violations that aren't upkeeping my consumer credit file intact. I as the consumer have noticed there's fraudulent accounts on my report, we report it and it returns via different companies to extort my consumer credit file. The main 3 CRA 's aren't keeping my data safe and thery 're intentionally not following the FCRA 605B policy. I never initiated these activities and they're not verified by anything other than the company saying that it's verified. so since that's the case. A check of {$2000.00} is due for placing these fraudulent items on my consumer credit file : XXXX XXXX XXXX  [ {$16000.00} ] XXXX ; XXXX  [ {$9300.00} ] UNKNOWN ACCOUNT NUMBER. AS THE CONSUMER, I'VE PROVIDED MY CORRECT INFO AND NOTICED THERE'S INACCURATE DATA THAT NEEDS TO BE REMOVED. THIS IS THE 3RD TIME THIS FRAUDULENT REPORT KEEPS APPEARING ON MY CONSUMER FILE, SO SOMEONE ISN'T DOING THEIR JOB AND IT'S IMPOSING A VIOLATION UPON ME. I'M NOT SENDING IN ANYTHING WITH THE MAIN 3 CRA 'S AS THEIR INVESTIGATION SYSTEM IS A FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Upon reviewing my consumer credit file, i noticed there's monetary violations that aren't upkeeping my consumer credit file intact. I as the consumer have noticed there's fraudulent accounts on my report, we report it and it returns via different companies to extort my consumer credit file. The main 3 CRA 's aren't keeping my data safe and thery 're intentionally not following the FCRA 605B policy. I never initiated these activities and they're not verified by anything other than the company saying that it's verified. so since that's the case. A check of {$2000.00} is due for placing these fraudulent items on my consumer credit file : XXXX XXXX XXXX  [ {$16000.00} ] XXXX ; XXXX  [ {$9300.00} ] UNKNOWN ACCOUNT NUMBER. AS THE CONSUMER, I'VE PROVIDED MY CORRECT INFO AND NOTICED THERE'S INACCURATE DATA THAT NEEDS TO BE REMOVED. THIS IS THE 3RD TIME THIS FRAUDULENT REPORT KEEPS APPEARING ON MY CONSUMER FILE, SO SOMEONE ISN'T DOING THEIR JOB AND IT'S IMPOSING A VIOLATION UPON ME. I'M NOT SENDING IN ANYTHING WITH THE MAIN 3 CRA 'S AS THEIR INVESTIGATION SYSTEM IS A FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I use my Ally checking account to pay my CITI card electronically ( in full ), with the payment due on XX/XX/year> scheduled for payment on XX/XX/year>. CITI emailed on XX/XX/year> indicating that a check ( not an electronic transfer ) was received and credited on the XX/XX/year>. This registered as a late payment & activated interest fees, as well as potentially compromising my high credit score. It made no sense that the funds weren't transferred electronically, because electronic transfers on the XXXX of the month have been working smoothly for years. 

When I called XXXX bank ( my checking account ) on XX/XX/year>, they said CITI changed its relationship with XXXX ( the payment processing company ) effective XX/XX/year>, so all payments > {$5000.00} are processed as mailed checks instead of electronic transfer. XXXX arranged for the check to arrive at CITI by XX/XX/year>, but they have no control or visibility until CITI cashes the check. 

After calling XXXX, I spoke to CITI on XX/XX/year> and they agreed to " suppress '' the late fee and interest. They didn't take any ownership of the issue, nor did they assure me this wouldn't happen again. 

( As an aside, I learned my daughter had a similar problem with her payment. Her first call was to CITI and they implied it was her bank 's fault. To avoid late fees, my daughter ended up paying the bill twice ( ~ $ XXXX in total ), with CITI agreeing to return the " late funds '' once the check arrived. )

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 2025-03-21 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-21 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 HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-03-21 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: MI

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. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : Unknown # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/year> a fraudulent withdraw was made from my Bank of America account equal approximately {$3900.00} of {$900.00} x4 withdrawals and we advised the bank. They gave us a new account and we did report a fraud claim which stated take 90 days. We have not received any further details or response yet.

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 monetary relief
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the 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 2025-03-21 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-21 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: WY

Complaint narrative:
I called and spoke with Carmax yesterday XX/XX/2025 and requested that a {$1000.00} dollar payment be made against the principal. The lady on the phone said that she can't just do that and so they took out the interest. My payment is about {$300.00} per month, and it is on auto pay. And what I do is every few months I make an extra {$1000.00} payment on the principal. It has never been an issue before. I call, make the payment on the principal, and they do it properly. It was just this time that they lied and said that they can't do that. Carmax auto loan XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CITIBANK, N.A.
State: OH

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