vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: CO

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ).

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-04-26 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: PA

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within XXXX  days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$580.00}, XXXX XXXX XXXX balance {$220.00}.

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 2025-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I asked to please verify that the information reported is 100 % accurate and that you could fully verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting and Failure to Provide 1099-C Hyundai Capital America Dear Consumer Financial Protection Bureau , I am filing this complaint against Hyundai Capital America for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Specifically, Hyundai Capital America is reporting a debt on my credit report that I believe is inaccurate. I was not provided with a Form 1099-C ( Cancellation of Debt ) associated with this account, although it appears the debt was forgiven or otherwise resolved in a manner that would require such notification. The absence of the 1099-C has deprived me of necessary information to properly address the tax and credit implications of this account. 

Under the FCRA, furnishers of information must ensure that the information they provide to consumer reporting agencies is accurate and complete. By continuing to report the debt without providing the required documentation or updating the account status accordingly, Hyundai Capital America is furnishing incomplete and inaccurate information. This misreporting is causing harm to my credit standing and financial reputation. 

I respectfully request the CFPBs assistance in investigating this matter. I am requesting that Hyundai Capital America : Provide me with a copy of the 1099-C form ( if it exists ), Correct the inaccurate reporting on my credit report to reflect the true status of the account, and Cease all further reporting of inaccurate information regarding this account. 

I reserve the right to pursue legal remedies, including seeking statutory damages under the FCRA, for willful noncompliance with the law. 

Attached are copies of my credit report entries reflecting the disputed account and any correspondence related to this issue. 

Thank you for your assistance. 

Sincerely, 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 2025-04-26 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: SC

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 2025-04-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-26 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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 2025-04-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of negative information that XXXX organization has reported to Experian regarding my credit account. Due to ongoing legal action involving Experian and concerns about the integrity of the data they maintain, I am requesting an immediate investigation into the validity of the negative item ( s ) in my experian credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following sections : 15 U.S.C. 1681i ( a ) : This section entitles me to dispute inaccurate or incomplete information and obligates the credit reporting agency to conduct a reasonable reinvestigation of the disputed data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This statute prohibits data furnishers from reporting information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute from a consumer reporting agency, you are required to investigate the accuracy of the information, review all relevant data, and report the results to the agency. If the information is found to be inaccurate or can not be verified, it must be modified or deleted.

Given the pending legal action involving Experian, I believe the data they have published may not have undergone proper verification or quality assurance measures. I am therefore requesting that you conduct a full investigation and take immediate corrective action. If the disputed information can not be verified or is found to be inaccurate, I ask that it be removed from all consumer reporting agencies to which it was reported.

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 2025-04-26 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: TX

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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I talked to a rep who gotten my last complaint we talked for XXXX minutes and I was trying to understand why my account is XXXX and why my balance us up on some parts and why it said I have more money in my account than I did he keeps giving the same answer couldn't go into detail and asked me what's not adding up I said everything and kept trying to get him to help me understand why I had more money in my account when I wasn't suppost to I still don't understand but after XXXX minutes he started raising his voice at me I had to tell him to lower his voice he was nice but wouldn't help me understand at all and said he'd send in a report Thursday to yall for the complaint and he never did and I never gotten a email about it after my last complaint I'd number is 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 2025-04-26 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: Experian Information Solutions Inc.
State: WV

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-26 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2025-04-26 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 disputing a collection account from XXXX XXXX that is being reported inaccurately on my credit report. I previously filed a dispute with Experian, but the bureau responded claiming the account was verified as accurate without providing any documentation or details about the investigation. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation of disputed information. My dispute included supporting evidence, which was ignored, and I was not provided with any documentation verifying the debt from XXXX XXXX. 

The credit bureau has not met its obligation to investigate thoroughly or correct inaccurate information. I am requesting that the CFPB require the credit bureau to conduct a full reinvestigation, and either verify the account with documentation or delete it from my credit report. 

This inaccurate collection account is damaging my credit and causing ongoing harm.

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 2025-04-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-26 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:
In XX/XX/XXXX, I was the victim of identity theft involving fraudulent credit card accounts opened in my name without my knowledge or consent. Specifically, accounts with XXXX Bank, XXXX, and XXXX XXXX Bank were opened and used to accumulate debt. I did not authorize these accounts or transactions, and I had no knowledge of them until reviewing my credit report. 

I filed an official police report with the XXXX XXXX Police Department ( Incident # XXXX ) on XX/XX/XXXX, detailing the fraudulent activity under the offense of False Personation to Receive Money or Property. 

Despite this, these accounts remain on my credit report as charge-offs or derogatory accounts, which are negatively impacting my credit profile. I have already disputed these items and submitted supporting documentation, including the police report, but the accounts are still listed. 

I am requesting a full reinvestigation and the permanent removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, which allows identity theft victims to block fraudulent 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