vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TN

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 2025-07-04 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
upon reviewing my credit consumer reports, i discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information.it is imperative that this information be reported with utmost accuracy. i have never missed a payment on the following account XXXX  XXXX  /XXXX. XXXX account number started XXXX i request a thorough investigation into these discrepancies and urge you to provide evidence, such as statement, demonstrating the lateness of these payments. if unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on-time, never late for XXXX, days and XXXX no late payments at all. as i have consistently upheld my payment obligations without delay

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 2025-07-04 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
In XX/XX/XXXX, my XXXX was declared a total loss. XXXX paid XXXX in XXXX and XX/XX/XXXX. I attempted to initiate a GAP insurance claim, but Hyundai misinformed me that it would apply automatically. This caused significant delays. From XX/XX/XXXX through XX/XX/XXXX, my Hyundai Motor Finance account showed {$0.00} due each month, and I was not being billed. However, XXXX reported the loan as Paid, Closed. {$2300.00} written off. I filed a dispute, and XXXX  updated the loan status to Paid, Closed. But they did not fix the inaccurate payment history, which now shows charge-offs from XX/XX/XXXX through XX/XX/XXXX, even though I had {$0.00} balances during that time. 

Additionally, the balance history from XXXX to XX/XX/XXXX incorrectly shows full monthly scheduled payments ( roughly {$450.00} each ), even though no payments were due. Hyundai removed the statements from XX/XX/XXXX to XX/XX/XXXX from their website, and the first available XXXX statement was XXXX, which confirmed {$0.00} due. This false reporting has damaged my credit for over a year, even though the account was never in collections/Charged Off and I later paid it off voluntarily.

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 2025-07-04 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: LA

Complaint narrative:
In XX/XX/XXXX, my XXXX was declared a total loss. XXXX paid XXXX in XXXX and XX/XX/XXXX. I attempted to initiate a GAP insurance claim, but XXXX misinformed me that it would apply automatically. This caused significant delays. From XX/XX/XXXX through XX/XX/XXXX, my XXXX XXXX XXXX account showed {$0.00} due each month, and I was not being billed. However, Experian reported the loan as Paid, Closed. {$2300.00} written off. I filed a dispute, and Experian updated the loan status to Paid, Closed. But they did not fix the inaccurate payment history, which now shows charge-offs from XX/XX/XXXX through XX/XX/XXXX, even though I had {$0.00} balances during that time. 

Additionally, the balance history from XXXX to XX/XX/XXXX incorrectly shows full monthly scheduled payments ( roughly {$450.00} each ), even though no payments were due. XXXX removed the statements from XX/XX/XXXX to XX/XX/XXXX from their website, and the first available XXXX statement was XXXX, which confirmed {$0.00} due. This false reporting has damaged my credit for over a year, even though the account was never in collections/Charged Off and I later paid it off voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, Experian, and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX ), XXXX, XXXX XXXX XXXX, AND XXXX  XXXX AND XXXX  XXXX BANKRUPTCY. All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 non-monetary relief
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
XXXX XXXX  XXXX and or XXXX XXXX needs to be removed off my credit report because it was paid. I had hired The XXXX XXXX XXXX XXXX. Claims Processing c/o XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and they filed XXXX  after I paid them to fix my credit. However, XXXX sued me, and I made payments to XXXX XXXX XXXX of which I paid {$77.00} monthly, and I made my final payments in XX/XX/XXXX of which it should be off my credit report in XXXX days. I disputed it with TransUnion, and it is off my account. I disputed it with Experian and Experian refused to take it off my account. I tried to dispute it with Equifax online and their online service was not working. I need XXXX and or XXXX XXXX Credit Card to be removed from my credit report. 
Additionally, they are placing what I paid off under different accounts fraudulently as XXXX and XXXX XXXX XXXX with account ending in 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 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX  regarding an account I have with them XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX * Balance : {$750.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX  buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-04 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I made a payment of {$2400.00} to Comenity XXXX XXXX XXXX via my online banking account with XXXX. This payment was the full amount of the statement. On XX/XX/year>, I received a call from someone claiming to be with Comenity stating my bill was not paid and asked me to make a payment over the phone. I thought it was fraud and hung up. I checked my XXXX online statement to find a payment was not received. I also checked my bank statement to see that money was sent on XX/XX/year> as requested. I immediately called Comenity to inquire. After discussion, they suggested connecting them with my back in a 3 way call. The 2 representatives exchanged some reference numbers on the call and I had hoped the matter was corrected. On XX/XX/year>, I received a letter from XXXX indicating the XXXX XXXX returned the payment of {$2400.00} that was processed through the online banking system. The letter indicated the " XXXXiller Refused Payment ''.

After receiving the returned payment, I made a payment for the return amount as well as the new balance in full. A payment of {$8700.00} was made on line with Comenity on XX/XX/year>. 
Over the last months, I have opened complaints with Comenity and provided the timeline and documentation that I have from the bank. I am seeking a reimbursement of the {$200.00} in interest that was charged because they returned my payment. 
I have never received an explanation on why the payment was returned. In writing they tell me to avoid finance charges by payment my bill on time! No kidding! 
When I speak with them, they sympathize with me, but say they can't understand how that could happen. In a recent call, they accused me of filing a stop payment with the bank. I did not stop payment. 
I feel there was a mistake on their part that they refuse to admit to and they have profited {$200.00} from the interest payment I was advised to pay while this was under investigation. 
My payment history with them will show I always pay through my online banking system and I pay all of my statement in full. 
I seek your assistance in getting them to reimburse my {$200.00}. 
thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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 2025-07-04 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include a credit card at XXXX opened XXXX account XXXX, a collection at XXXX XXXX opened XXXX account XXXX, a collection at XXXX opened XXXX account XXXX, an auto loan at XXXX opened XXXX account XXXX, and an auto loan collection at XXXX XXXX opened XXXX and XXXX account XXXX. These accounts caused unauthorized hard inquiries and collections. I demand removal from all credit reports and cessation of all related collection activity under the FCRA and 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 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 2025-07-04 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: UT

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include a credit card at XXXX opened XXXX account XXXX, a collection at XXXX XXXX opened XXXX account XXXX, a collection at XXXX opened XXXX account XXXX, an auto loan at XXXX opened XXXX account XXXX, and an auto loan collection at XXXX XXXX opened XXXX and XXXX account XXXX. These accounts caused unauthorized hard inquiries and collections. I demand removal from all credit reports and cessation of all related collection activity under the FCRA and 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 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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
RGS Financial will send call bots. As soon as I answer, the line hangs up. As soon as I call the number back, a real human will pick up and ask for my information. After I told them to stop calling me, they said okay and hung up. Shortly after, I get another call from the same phone number. I told them to take me off the call list and they keep spam calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: CA

Complaint narrative:
So Ive been tricked into thinking I had an actual remote job the company or website associated with the scam is called XXXX XXXX  is a scam website portraying to be an actual worksite with the names XXXX and XXXX, XXXX acted like she was a recruiter and XXXX acts like she's a mentor she portrays herself as a XXXX XXXX XXXX lady with a son teaches you how to sell bitcoin and how to transfer bitcoin into your work XXXX  account to load into the data flow they reel you in with high money expectations and little effort put into ur work simple brainless reviews of products and let you withdraw a few times. They will convince you to do anything to get your money out. So they tricked me by letting actual withdraw funds like two times. but the negative balance of the money flow gets bigger and bigger and you use ur actual money to balance it and it supposedly adds ur own funds plus how much money u made off reviews but its impossible.this is how I got to the point of a loan they recommend and I did it only because I was expecting a significant amount of money in return in total I took out two loans to pay off the balance so I can get the in result money in the end when u finish they dont give you anything and make up a last minute rule that u didnt abide by to not give you ur earnings. So when I called clear air and told them I was about a week late telling them after I found out I was scammed they couldnt work with me saying my signed documents state they cant but I dont even have the income I thought I was gon na be up majorly in finance but was played and I can not afford these major loans I was legitimately tricked and scammed out of all my money and ended up in more unfortunate debt.

Company response to consumer: Closed with explanation