vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-29 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Penn Credit Corporation
State: VA

Complaint narrative:
This is the text message I received that was addressed to my daughter and not me. : I believe to be a scam. 

Penn Credit Corp is a debt collector : XXXX XXXX you can make your XXXX XXXX XXXX ( XXXX  ) payment online to Penn Credit Corp. Tap XXXX XXXX XXXXXXXX Ref # XXXX & zip code, or call us, XXXX. Message & data rates may apply. INFO : XXXX XXXX XXXX To optout reply STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Kia Motors Finance charged off my auto loan while I was XXXX XXXX XXXX XXXX XXXX XXXX. Prior to my XXXX, I verbally informed Kia of my upcoming XXXX  XXXX. Despite being protected under the Servicemembers Civil Relief Act ( SCRA ), Kia charged off the account while I was still on XXXX XXXX. 

I was never notified of any court order authorizing this action. Since the charge-off, I have made payments toward the account and am actively trying to resolve the balance. The account remains charged off and past due, and the negative reporting has caused significant harm to my credit. 

I contacted Kia by phone on XX/XX/XXXX, and XXXX, and also followed up by email. I have not received any response or clarification regarding the court order requirement. 

50 U.S. Code 3952 : A person holding a lien on the property or effects of a servicemember may not enforce any lien during any period of military service without a court order granted before foreclosure or enforcement. 
50 U.S. Code 3953 : A sale, foreclosure, or seizure of property shall not be valid if made during, or within 90 days after, the period of the servicemembers military service, except pursuant to a court order. 

These protections apply to secured property, including vehicle loans, and prohibit any enforcement of a lien or contract without a court order during military service. 

According to XXXX guidance from the U.S. Department of Justice : The SCRA prohibits lenders from taking adverse actions on protected accountssuch as repossessions, collections, or negative credit reportingwithout a court order during a servicemembers military service. 

In United States v. Hyundai Capital America, the DOJ required the removal of negative credit reporting and reinstatement of accounts that were harmed by actions taken during XXXX XXXX without court authorization.

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 2025-07-29 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-29 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: NC

Complaint narrative:
Subject : Credit Report Dispute XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) I am writing to formally dispute inaccurate and inconsistent information that appears on my credit report concerning the account listed as XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I noticed several discrepancies in the reporting across the XXXX major credit bureaus that require immediate investigation and correction. 

The discrepancies are as follows : Date Opened : XXXX reports : XX/XX/year> Experian & XXXX  report : XX/XX/year> High Credit : XXXX  XXXX XXXX  report : {$2800.00} Experian reports : {$0.00} Credit Limit : TransUnion XXXX Experian report : {$2700.00} Equifax reports : {$0.00} Additionally, there is a collection/charge-off status, but the High Credit and Credit Limit amounts are not XXXX, particularly with Experian and XXXX  reporting XXXX. 

I am requesting that your office investigate this account and update or remove any incorrect or inconsistent data. Please verify the following with the original creditor ( XXXX ) and ensure all information is accurate and consistent across all three bureaus. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I request that you complete your reinvestigation within XXXX XXXX and notify me of the results of your findings. 

Please confirm receipt of this letter and send me an updated copy of my credit report once the investigation is complete. Also, if there is a generic response of " Verified as XXXX '' I will be seeking legal action under the FCRA Laws. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Subject : Credit Report Dispute XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) I am writing to formally dispute inaccurate and inconsistent information that appears on my credit report concerning the account listed as XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I noticed several discrepancies in the reporting across the XXXX major credit bureaus that require immediate investigation and correction. 

The discrepancies are as follows : Date Opened : XXXX reports : XX/XX/year> Experian & XXXX  report : XX/XX/year> High Credit : XXXX  XXXX XXXX  report : {$2800.00} Experian reports : {$0.00} Credit Limit : TransUnion XXXX Experian report : {$2700.00} Equifax reports : {$0.00} Additionally, there is a collection/charge-off status, but the High Credit and Credit Limit amounts are not XXXX, particularly with Experian and XXXX  reporting XXXX. 

I am requesting that your office investigate this account and update or remove any incorrect or inconsistent data. Please verify the following with the original creditor ( XXXX ) and ensure all information is accurate and consistent across all three bureaus. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I request that you complete your reinvestigation within XXXX XXXX and notify me of the results of your findings. 

Please confirm receipt of this letter and send me an updated copy of my credit report once the investigation is complete. Also, if there is a generic response of " Verified as XXXX '' I will be seeking legal action under the FCRA Laws. Thank you.

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 2025-07-29 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:
I am requesting the immediate and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit report. These items were not opened or authorized by me and are the direct result of identity theft. Despite submitting all required documentation, these entries are still reporting which constitutes non-compliance with the FCRA.

Fraudulent Inquiries and Accounts to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am requesting the following resolution : Permanent deletion of all accounts and inquiries listed above Blocking of all identity theftrelated data under 15 U.S.C. 1681c2, within 4 business days Reinvestigation and removal of unverifiable or unauthorized items under 15 U.S.C. 1681i ( a ) Written confirmation of all deletions and blocks A corrected, updated credit report sent directly to me Documentation Already Provided : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report If these items are not deleted or blocked within the legally required time, I will escalate this issue by filing formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) The Office of the Attorney General in both my state and the companys I also reserve the right to pursue legal action under FCRA 616 for statutory damages of up to {$1000.00} per violation, as well as actual damages and attorneys fees.

This is a serious matter of identity theft. I have provided everything required, and I expect full resolution and written confirmation without further 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 2025-07-29 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: GA

Complaint narrative:
The investigation of the companies did not fix the errors on my credit report

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 2025-07-29 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: GA

Complaint narrative:
The investigation of the companies did not fix the errors on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

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 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 2025-07-29 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:
Summary of the Complaint : I am submitting this complaint regarding a disputed auto loan account from XXXX XXXX XXXX ( Account # XXXX ), which is being reported with conflicting and inaccurate information across the three major credit bureaus. 

Although this account is currently in dispute, both XXXX XXXX XXXX are reporting it as negative with a 30-day late payment, which is inaccurate and not verifiable under the Fair Credit Reporting Act ( FCRA ). Meanwhile, Equifax is reporting the account as negative, despite no delinquency history for XXXX in their payment log. 

Additionally, there are discrepancies in balance, terms, and last activity dates across the bureaus, further indicating inconsistent furnishing of data. 

Account Details : Creditor : XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Monthly Payment : {$510.00} Date Opened : XX/XX/XXXX Balance Reported : Equifax : {$9500.00XXXX XXXX : {$8000.00XXXX XXXX  : {$8000.00} Terms : Equifax/XXXX : 74 months XXXX : 72 months High Balance : {$33000.00} ( all XXXX bureaus ) Late Payment Reporting : XXXX : 30 days late ( XX/XX/XXXX ) XXXX XXXX 30 days late ( XX/XX/XXXX ) Equifax : XXXX late payments shown in payment history for XXXX, yet marked as Negative Account Status : Equifax : XXXXXXXX XXXX : In Dispute XXXX XXXX XXXXn Dispute Legal Violations : FCRA 15 U.S. Code 1681e ( b ) : Credit reporting agencies and furnishers are required to report with maximum possible accuracy. 

Reporting an account as delinquent while it's in dispute violates this statute. 

Discrepancies in balance and terms across bureaus reflect failure to ensure data accuracy. 

FCRA 15 U.S. Code 1681i ( a ) : Once an account is disputed, the bureaus must conduct a reasonable reinvestigation within 30 days. 

This account has been in dispute since early XXXX, yet the status and late notations remain unresolved. 

FCRA 15 U.S. Code 1681s-2 ( a ) and ( b ) : Furnishers must correct and update inaccurate information and must not report information that has been disputed without noting it as such. 

Reporting derogatory information without confirming or updating the dispute status is noncompliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
XXXXI sent a certified letter to Equifax on XXXX  with tracking #XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX in XXXX  GA.. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX  (account # XXXX XXXX XXXX XXXX  (account # XXXX XXXX XXXX XXXX XXXX  (account # XXXX XXXX XXXX XXXX (account # XXXX XXXX XXXX XXXX XXXX XXXX  (account # XXXX)XXXX XXXX XXXX XXXX (account # XXXX)XXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
The investigation of the companies did not fix the errors on my credit report

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am disputing an account being reported by Bank of America that is both inaccurate and harmful to my credit profile. The account is a credit card opened on XX/XX/XXXX, with a credit limit of {$500.00}. It is currently reporting as charged off with a balance of {$830.00} and shows a status update as of XX/XX/XXXX. 

There are multiple issues with how this account is being reported : XXXX. Balance Exceeds Credit Limit : The account reflects a balance of {$830.00} despite having a {$500.00} credit limit. There is no breakdown or explanation for how the balance increased to XXXX XXXX over the limit, and no recent activity is shown to justify this inflation. This is misleading and suggests either excessive fees or inaccurate reporting. 
XXXX. Charged-Off + Past Due = Duplicate Damage : The account is reported as charged off and simultaneously listed as {$830.00} past due. A charged-off account should no longer be accumulating a past due balance. Reporting both statuses creates duplicate derogatory impact, which may violate FCRA 1681e ( b ) regarding accurate and fair reporting. 
XXXX. No Recent Payment History or Activity : The tradeline shows no recent payment activity or updates except for the balance refresh on XX/XX/XXXX. This lack of updated or verifiable account history calls into question the legitimacy of the reporting. 

This reporting pattern damages my creditworthiness and does not meet the standard of maximum possible accuracy required under federal law. The information appears to be stale, inflated, and is harming my ability to access fair credit.

Company response to consumer: Closed with explanation