vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
When I first entered into this loan agreement in I believe XX/XX/XXXX. I didnt have job the income used was my daughters ssi and I had to go on the loan for credit purposes. The cosigner met the income requirements and was supposed to pay for the car. He did not keep up his end which is a whole other situation we have separated but he houses me still again different situation. I was managing/ struggling to make these very high payments. I did get part time job XXXX XXXX 30 hrs per wk ( XXXX XXXX XXXX children and my own medical conditions ) I only make {$14.00} per hr. The car pmt is {$640.00} per month the insurance almost {$200.00} and other bills and necessities. I can not afford to survive. This car takes over one of my two checks per month. Ive been trying to refinance trade down anything I can do. Ive been told I have no options. Ive been told there is XXXX negative equity. Things have gotten harder and harder and for the month of XX/XX/XXXX I was not able to make that payment until XX/XX/XXXX. I tried communicating with my lender Hyundai Motor Finance several times about any options. All they offer is a voluntary surrender. Obviously cant be without a car and Ive been trying so hard and I am continuing to try. Also a voluntary surrender is still a repo still very damaging. Towards the end of XXXX my lender told me if I pay XXXX payment by XX/XX/XXXX I can defer XXXX payment. Not going to solve my problem but Then called back again around XX/XX/XXXX and was told the same thing. I begged and borrowed and I made the payment on XX/XX/XXXX. Then I was told o could not defer my XXXX payment the representative told me I had at this point 5 on time payments and not the necessary 6 and I had to argue and prove them wrong. Then the representative said I still could not defer XXXX because I had to have 12 consecutive on time payments not 6. They proceeded to say its company policy because I was given a 2 month deferral for XXXX and XX/XX/XXXX. Naturally I was furious. This is the first Ive heard anything about this policy. Not to mention why did they Telly me why did 2 different people tell me I would be able to defer XXXX?!? Further more I was given that 2 month deferment automatically because I fell in a qualifying zip code affected by the back to back hurricanes to hit Florida! And they should tell their clients these things at that time! Not surprise them later. Again this deferral for XX/XX/XXXX will not solve my problem as a whole but this is not right! Yes I would like the deferral and better business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVERCARD has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I put in a check into the American Express account and it cleared from my job and they even helped call and confirm it that it was cleared into my American Express account and I've been calling them telling them once it's cleared into that bank account they have to give it to me back cause my employer office even said the same thing and there giving me problems when I called to ask why I haven't been able to get my money back that I worked hard for them I got ta letter from them saying that they closed my account saying that they think i didnt authorize the account I opened on my own!!! when I'm the one that put the check in I've never had this problem before!!! I've also reported this to the XXXX but they just closed my complaint since the American Express company never got in touch with me again...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
This morning, while checking my credit report as I normally do, I discovered unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the inaccurate accounts still appeared. Given this situation, I kindly request that the documents I submitted be carefully reviewed so I wont have to deal with this concern anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
old credit report, hindering me from renting an apartment. 
such as XXXX, XXXX XXXX. XXXX XXXX  - all from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of one opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a reported balance of {$5700.00}, and another opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$700.00}. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from each of my consumer credit reports and that all collection activity related to them cease, pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Violations of FDCPA and FCRA Failure to Validate Debt and Inaccurate Credit Reporting To Whom It May Concern : I am submitting this formal complaint regarding serious compliance violations by third-party debt collectors and the national credit reporting agencies , specifically concerning their failure to validate alleged debts and correct inaccurate credit reporting as required under federal law. 

On [ XX/XX/year>, XX/XX/year> ], I submitted written requests for debt validation, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), to the following third-party debt collector ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These letters were sent via certified mail and included clear requests for verification of the debt. To date, I have received no documentation or validation from these entities. Despite the lack of verification, the disputed debts remain on my credit reports, in direct violation of federal law.

Additionally, I submitted written disputes to the three major credit reporting agencies ( Experian, Equifax, and TransUnion ) under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). Each agency acknowledged receipt of my dispute and initiated an investigation. However, more than 30 days have passed without any resolution or removal of the unverifiable accounts from my credit file.

This is a violation of my rights under both FDCPA and FCRA, and the continued reporting of inaccurate and unverified information has materially harmed me, including adverse decisions on credit applications and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
My information was compromised in XXXX  and Ive been denied loans, credit cards and apartments. My information was leaked before I was even XXXX XXXX XXXX this is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
My information was compromised in XXXX  and Ive been denied loans, credit cards and apartments. My information was leaked before I was even XXXX XXXX XXXX this is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
incorrect information reporting on chex systems, fraudulent accounts, wrong addresses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for XXXX a deposit-related account ( a former checking account ) to the credit bureaus as a derogatory tradeline, despite never validating the information or properly classifying the account under FCRA guidelines XXXX 

The account in question was a checking account that was overdrawn, which XXXX XXXX subsequently closed. They are now reporting it to my credit reports as a deposit-related account with negative remarks, which is being treated by the credit bureaus as a standard credit tradeline. 

I have disputed this item multiple times with the credit bureaus, requesting that XXXX XXXX : Validate the account and explain their legal right to report a deposit account as a derogatory credit tradeline, Provide an itemized breakdown of the overdraft and associated fees, Clarify how this type of account is classified and why it appears as a loan or credit product, And supply documentation proving I was notified of the closure and reporting. 

No such documentation was ever provided, and XXXX XXXX responded by verifying the tradeline with the bureaus despite the fact that this is not a credit-based account, and should not be subject to the same credit reporting standards. 

The continued presence of this account on my credit report is : Misleading and inaccurate, since it appears similar to a charge-off or loan default, Harmful to my credit profile, since lenders may interpret it as a major derogatory, And a violation of FCRA 611 and 623, since no verification or explanation was provided when challenged. 

If XXXX XXXX can not provide clear documentation of the account terms, authorization to report to credit bureaus, and accurate categorization, this tradeline must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for reporting a deposit-related account ( a former checking account ) to the credit bureaus as a derogatory tradeline, despite never validating the information or properly classifying the account under FCRA guidelines .

The account in question was a checking account that was overdrawn, which Mission Federal subsequently closed. They are now reporting it to my credit reports as a deposit-related account with negative remarks, which is being treated by the credit bureaus as a standard credit tradeline. 

I have disputed this item multiple times with the credit bureaus, requesting that XXXX XXXX : Validate the account and explain their legal right to report a deposit account as a derogatory credit tradeline, Provide an itemized breakdown of the overdraft and associated fees, Clarify how this type of account is classified and why it appears as a loan or credit product, And supply documentation proving I was notified of the closure and reporting. 

No such documentation was ever provided, and XXXX XXXX responded by verifying the tradeline with the bureaus despite the fact that this is not a credit-based account, and should not be subject to the same credit reporting standards. 

The continued presence of this account on my credit report is : Misleading and inaccurate, since it appears similar to a charge-off or loan default, Harmful to my credit profile, since lenders may interpret it as a major derogatory, And a violation of FCRA 611 and 623, since no verification or explanation was provided when challenged. 

If XXXX XXXX can not provide clear documentation of the account terms, authorization to report to credit bureaus, and accurate categorization, this tradeline must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I demand proof that the bureau contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the following account or delete the fraudulent accounts FCRA 611 15 U.S.C 16811.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, my Suncoast checking account showed a {$29.00} NSF withdrawal fee on a {$3.00} subscription balance. I called the bank, and they told me they couldn't remove that fee. It seems absurd to me that they would charge such a high fee for {$3.00}, and they told me it's bank policy, which I consider a bad proceed against consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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