vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX To : 1st Franklin Financial Attn : Credit Reporting Department XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Account No. XXXX Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the above-referenced account that your company is reporting to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the legal right to request verification and validation of any information furnished to consumer reporting agencies. 

The information you are reporting appears to be inaccurate, incomplete, and unverifiable, and therefore must be corrected or deleted. Specifically : 1. FCRA 1681s-2 ( a ) requires that furnishers of information provide only accurate, complete, and up-to-date information to credit reporting agencies.

2. FCRA 1681i grants me the right to dispute any information I believe to be inaccurate, and upon receiving such a
dispute, you are required to conduct a reasonable reinvestigation.

3. FCRA 1681s-2 ( b ) requires you, as the furnisher, to investigate the disputed information, review all relevant evidence, and report back the results to the consumer reporting agencies. If you can not substantiate the accuracy of this account, it must be deleted immediately from my credit report. 

Accordingly, I request that you : Provide me with full documentation bearing my signature that proves this debt is valid and accurately reported ; Identify the name and address of the original creditor, along with a complete payment history ; If you can not verify the account in compliance with the FCRA, immediately instruct all credit reporting agencies to delete this account from my credit file. 

Please be advised that if you fail to comply with your obligations under the FCRA, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and may pursue further legal remedies.

I expect your response within the 30-day period mandated by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
XX/XX/XXXXXX/XX/XXXXhas been wrongfully misused, unauthorized report without consumer permission, which violates the Privacy Act OF 1974. 
The XXXX XXXX was abused and misappropriated in an unjust-enriched manner. XX/XX/XXXX, there was an inquiry that caused a detrimental impact on the principal credit report account.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am disputing a collection account being reported on my credit file. The account information is inaccurate/unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request an immediate investigation.

If the furnisher can not provide full validation of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the account must be deleted from my credit report with all credit bureaus.

Please confirm the results of your investigation within the 30-day period required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Perpay, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Re : Metro 2 Compliance & FCRA Dispute Inaccurate Late Payment Reporting for Account with PERPAY Dear CFPB, I am formally filing a dispute regarding inaccurate credit reporting of my PERPAY account, which is not in compliance with the Metro 2 Format reporting standards and the Fair Credit Reporting Act ( FCRA ), Section 623.

The account in question is inaccurately reporting a late payment, even though my payment history clearly shows that I have made all required payments on time and as agreed. Specifically, for the month of XX/XX/year>, the following payments were made : {$57.00} on XX/XX/year> {$60.00} on XX/XX/year> These payments were made before their due dates, in full, and should reflect as Paid as Agreed / Current without any derogatory or delinquent notations. 

However, my FICO credit report is showing : Paid as Agreed or Current/was 30 days past due Yet it is still reflecting a late payment in the payment history section, which is inaccurate, misleading, and harmful to my credit standing.

This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not provide information they know or should know is inaccurate.

Metro 2 Compliance Standards : Accounts must be reported consistently and accurately. If an account is current and paid as agreed, it must not simultaneously reflect derogatory history.

Requested Resolution : 1. Immediate reinvestigation of this PERPAY account reporting.

2. Removal of the inaccurate late payment notation from my FICO report history.

3. Ensure the account accurately reflects positive payment history in alignment with Metro 2 reporting standards and my actual payment records.

I am requesting that the CFPB enforce the furnishers compliance with Metro 2 standards and require correction of this inaccurate reporting. Enclosed are copies of my payment records for XX/XX/year> as evidence. 

Please confirm receipt of this complaint and notify me of the resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I sold my Kia back to the dealership on XX/XX/year>, and paid the required fees to compensate for the decrease in value. On XX/XX/XXXX, my credit score dropped by XXXX points and Kia Finance had left a comment stating that the account was " settled-less than full balance '', which is untrue. I called Kia multiple times to dispute this so that it can be reconciled before the closing date for my new house. I was told that it would take 30 days and that there was nothing they could do to expedite the dispute. The last time I called, I requested to speak with a supervisor and was told that they would tell me the same thing. I then spoke with XXXX and was told that they did not send anything to XXXX and that there is no way to expedite the correct reporting, until I mentioned filing a complaint with the Consumer Financial Protection Bureau. She then reached out to corporate and told me that I should hear from a case manager in 5 days. She did not have a phone number to call for corporate. I am leaving this complaint to encourage the company to follow through as quickly as possible. If the issue resolves, I will do my best to update.

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 2025-09-10 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: MN

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is important to me. However, I continue to see inaccurate and false information that has not been corrected, despite my repeated attempts to have it addressed. This recurring issue has been extremely stressful and exhausting, and it has unfairly damaged my credit score and negatively impacted my life.

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 2025-09-10 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: NC

Complaint narrative:
This is a final demand regarding the above-referenced account. XXXX XXXX is reporting false, damaging, and unverifiable information to the credit bureaus. Despite multiple disputes, XXXX has refused to correct or delete this account. 

I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I am preparing to file with theXX/XX/XXXX and the State Attorney Generals Office. 

Violations Under the Fair Credit Reporting Act ( FCRA ) Failure to ensure maximum possible accuracy of reported information ( 15 U.S.C. 1681e ( b ) ).

Failure to conduct a proper reinvestigation after disputes ( 15 U.S.C. 1681s-2 ( b ), 1681i ).

Willful re-reporting of inaccurate information ( 15 U.S.C. 1681n ). 

Violations Under the Consumer Leasing Act ( CLA ) XXXX failed to provide disclosures required by 15 U.S.C. 1667 et seq., including : Total due at signing/delivery, Breakdown of monthly payments and fees, End-of-lease obligations and penalties, Early termination penalties, Option to purchase the vehicle and price. 

This makes the lease non-compliant and unenforceable for reporting purposes. 

Unfair and Deceptive Trade Practices ( UDTPA/UDAP ) Westlakes continued reporting of false information, failure to comply with federal disclosure requirements, and disregard for multiple disputes also constitutes unfair and deceptive trade practices under state consumer protection laws. These laws prohibit businesses from engaging in misleading, deceptive, or abusive conduct toward consumers. If not corrected, I will seek remedies under my states Unfair Trade Practices Act in addition to federal claims. 

Arbitration Notice I am also aware that XXXX agreements may contain a mandatory arbitration clause. If this matter is not resolved, I am fully prepared to file for consumer arbitration, where XXXX may be liable for arbitration costs, damages, and legal fees. 

DEMAND FOR DELETION I demand that XXXX : Immediately delete this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ). 

Provide written confirmation of deletion to me within 15 days of receipt of this letter. 

If XXXX fails to comply, I will : File complaints with the CFPB, FTC, XX/XX/XXXX and State Attorney General. 

Pursue legal remedies under the FCRA, XXXX, and state Unfair Trade Practices laws.

Initiate consumer arbitration seeking damages. 

This is XXXX final opportunity to resolve this matter voluntarily before escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-10 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: PA

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
As an individual supporting a simple contract, I've been attempting to see that payments are made with the credit card accounts held with Navy Federal. I've been attempting to gain clarity however I've only been met with threating actions from Navy Federal Please the the attached items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-10 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: NY

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