vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am disputing the accuracy and completeness of the following account in my credit file : Creditor Name : SELF Financial / Lead Bank Account Number : XXXX The current reporting contains multiple inaccuracies and inconsistencies : The account is being reported with a past due balance of {$1700.00} as of XX/XX/XXXX, despite having been charged off in XX/XX/XXXX. This creates a false impression of a current, ongoing delinquency. 

The payment history shows a charge-off notation both in XX/XX/XXXX and again in XX/XX/XXXX, which is misleading and suggests multiple charge-off events. 

No data ( ND ) is displayed for large portions of the payment history, yet a recent past due balance is still being reported this is inconsistent and potentially unverifiable. 

The Date of First Delinquency ( XX/XX/XXXX ) should be verified to ensure the accounts scheduled removal date of XX/XX/XXXX is correct and not being extended improperly. 

Under FCRA 611 ( a ), I request that you reinvestigate this account, confirm the original delinquency date with the furnisher, and correct or delete any inaccurate or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
These accounts are being reported under my name without my authorization or knowledge. I have never applied for, opened, or managed these accounts. This is unacceptable, as it results in inaccurate and misleading information being associated with my financial history. 

I take the accuracy of my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct and measurable harm to both my credit and my credit score. I previously contacted your agency regarding this matter and was assured by your representative that all unauthorized inquiries would be removed. That commitment has not been honoredthese inquiries remain on my report. 

This inaction is unacceptable. The continued presence of these unauthorized and potentially fraudulent entries raises serious concerns of identity theft. Your failure to address this matter is causing ongoing financial damage and emotional distress.

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 2025-08-11 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: FL

Complaint narrative:
inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 15 USC 1681.

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 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 15 USC 1681.

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 2025-08-11 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: 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 explanation
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I reviewed my credit reports and found five accounts that I do not recognize, never applied for, and never authorized. I have filed an FTC Identity Theft Report and attached it. The fraudulent accounts are : ( 1 ) XXXX XXXX Acct # XXXXXXXX XXXX  ~ {$1000.00} XXXX : XXXX XXXX XXXX ; TU shows Open/Collection while Experian shows Closed/Collection ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and conflicting Last Activity/Reported dates ; no payment history. ( XXXX ) XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} OC : XXXX XXXX. ; XXXX XXXX XXXX Experian Closed ; inconsistent Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and Last Activity ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) ; no terms or payment recordXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX dates ; no payment history. ( XXXX ) Portfolio XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX XXXX  ; TU Open vs Experian Closed ; different Date Opened ( XX/XX/XXXX TU vs XX/XX/XXXX EXP ) and XXXX ; no payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX ; TU Open vs Experian/Equifax Closed XXXX conflicting Date Opened/Reported ( TU XX/XX/XXXX & XX/XX/XXXX ; EXP/EFX XX/XX/XXXX & XX/XX/XXXX ) ; nonstandard remarks at Equifax ; no payment data. These inconsistencies create inaccurate and misleading files in violation of FCRA 607 ( b ), 609, 611 and 623 ( a ) ( 5 ). Because these are the result of identity theft and are inaccurate, incomplete, and unverifiable, I request immediate deletion from TransUnion, Experian, and Equifax.

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 2025-08-11 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: OH

Complaint narrative:
SUBJECT : illegally sharing my information without my permission In the Staff Commentary on the Fair Debt Collection Practices Act, 53 Fed. Reg. 50097 ( XXXX ) ( " XXXX XXXX '' ), and staff opinion letters, XXXX staff have consistently read Section 809 ( b ) to permit a debt collector to continue to make demands for payment or take legal action within the thirty-day period. See 53 Fed. Reg. at 50,109, comment 809 ( b ) -1 ( " A debt collector need not cease normal collection activities within the consumer 's 30-day period to give notice of a dispute until he receives a notice from the consumer. " ) ; letter from XXXX XXXX XXXX, FDCPA Program Advisor, to XXXX XXXX XXXX ( XX/XX/XXXX ) : We interpret the " thirty-day period '' as a period within which consumers must dispute their debts in writing in order to avail themselves of their Section 809 ( b ) rights, but not as a " grace '' period.

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 2025-08-11 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: NJ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-11 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-11 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-11 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai of XXXX XXXX and XXXXXXXX XXXX are not in the business of selling cars as much as they are in the business of selling unnecessary warranties and addons, examples include : Paint Protection, Windshield Etching ( Theft Protection ), Tire Replacement, Extended Warranties to cover minor things like scratches or stains, etc. 

Once you are rushed through digital documents that are simply sign this, sign this, sign this, until you're blue in the face from signing, and want nothing more than to get out of there after waiting for hours in the lobby, you've gone on to sign some thirty documents that make your loan tens of thousands of dollars more than the value of the car. But they fish you out first to see if you are going to agree to the warranties, otherwise, it feels like it is highly likely they won't happen to have the car you want in stock. 

Here 's the kicker : Even if you purchase all the warranties, only one of them is actually with Hyundai, the rest of them will be through " XXXX XXXX ''. That means if you go to another Hyundai location, they will not service your vehicle, the only place it can be " serviced '' is at the location you purchased it, because apparently, they are individually owned. 

According to the terms and conditions, you have 30 days to cancel the warranties. After XXXX  days I returned to Hyundai of XXXX XXXX to cancel the warranties and addons. They directed me to a website where I could choose what to keep and what to request to cancel. However, not all of them are on that website. All the addons are missing, and the one Hyundai one is missing. This request goes to " XXXX XXXX '' who, once they find out you are trying to cancel, will completely ignore you and never return your phone calls. Hyundai will not help you one bit in cancelling anything. After finally talking to XXXX XXXX, they said they couldn't cancel any of the addons because they might have already been done ( or were supposed to be ) at the shop. XXXX XXXX informed me that he would talk to his manager and call me back, that never happened. 

This happened in XXXX  at Hyundai XXXX XXXX XXXX. 

Hyundai XXXX XXXXXXXX sold me a Paint Protection addon for {$1400.00}, which was supposed to include windows tint. Afterwards, I went back to cancel because I found out I could do it for half price elsewhere, they said it was impossible to cancel because it was a warranty contract. However, since I no longer have that car, because I traded it in to XXXX XXXX, because the body shop at XXXX refused to fix my car after I proved to them that the sensors were bad, they still refuse to give me back my money, that they did nothing on. 

This is happened at Hyundai of XXXXXXXX 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: DC

Complaint narrative:
This collection has been closed and removed, but it is still being reported on my credit report through my XXXX  account. Although it is not on my credit report, it is still showing collections being reported. It needs to be removed and updated, but I am unsure of how to resolve this issue. ''

Company response to consumer: Closed with explanation