vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have an ongoing loan with XXXX XXXX XXXX, i ought to pay about XXXX XXXX monthly but since inception of the loan which was between XX/XX/XXXX and XX/XX/XXXX I have been making automated monthly payments of {$400.00} and I have missed no payments. Sometime in XXXX or early XXXX, I called customer service informing the representative to apply all my excess payment of about XXXX XXXX monthly against principal and she noted that she could only do that for the last 6 months which i was okay with. By late XXXX, I got a call from collections stating I had an overdue balance of {$93.00} which was completely shocking. I was connected to customer service, she reviewed my file, apologized and promised to take care of their accounting, she said to give them 3 business days that the representative I spoke with messed the accoutning up. A week later I got another call from collections on the same payment, she connected me with customer service rep again who repeated the apology process. 2 weeks after I got another call, she read the notes during our conversation and apologized. I told the collections lady to put a XXXX since this was their mess and they said they were fixing it. XX/XX/XXXX i got an Email requesting for a past due payment of {$89.00}, i guess the extra {$5.00} on my monthly autopay for the month of XXXX was applied to reduce their original demand. Clearly no one is working on this accounting error on their end and they are threatening to report this to credit bureau even though it's 100 % XXXX XXXX XXXX error and I have communicated this to them 3 times already with an apology from each representative and a promise to fix it each time. I also tried chatting with their chat representative who was also very rude and insulted I can only speak to collections because in their book this is a collections account. I have the chat snapshot. I also have my statements that shows I have made XXXX XXXX monthly for almost 3 years now

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 2025-05-28 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:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These ongoing errors are taking a significant emotional and financial toll on me. In these challenging times, having these inaccuracies corrected or removed would provide much-needed relief and be deeply appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: MD

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 XXXX 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 2025-05-28 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
RE : FORMAL DISPUTE REQUEST FOR PERMANENT DELETION OF UNVERIFIABLE NEGATIVE ITEMS To Whom It May Concern, I am formally disputing the following negative items currently appearing on my credit report. These accounts are inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any such information if it can not be verified within the legal timeframe. 
THE FOLLOWING NEGATIVE ITEMS ARE DISPUTED : All charge-off accounts All late payments ( 30180 days ) Any accounts marked as 'Derogatory ', 'Voluntary Surrender ', or 'Repossession ' All collections ( previously disputed ) LEGAL BASIS FOR DISPUTE : - FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate or unverifiable information.

- FCRA 605 ( a ) : No negative account may be reported longer than 7 years.

- FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers must ensure accuracy.

- FDCPA 807 : Prohibits any false, deceptive, or misleading representation by collectors. 
I DEMAND THE FOLLOWING : - Permanent deletion of all listed negative items if verification can not be completed within 30 days. 
- Full details on the method of verification, including the name, address, and supporting documents. 
- Written confirmation of your findings and a revised copy of my credit report. 
- All items marked as 'Disputed by Consumer ' during the investigation period.

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. I reserve the right to pursue legal remedies for any violations. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
RE : FORMAL DISPUTE REQUEST FOR PERMANENT DELETION OF UNVERIFIABLE NEGATIVE ITEMS To Whom It May Concern, I am formally disputing the following negative items currently appearing on my credit report. These accounts are inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any such information if it can not be verified within the legal timeframe. 
THE FOLLOWING NEGATIVE ITEMS ARE DISPUTED : All charge-off accounts All late payments ( 30180 days ) Any accounts marked as 'Derogatory ', 'Voluntary Surrender ', or 'Repossession ' All collections ( previously disputed ) LEGAL BASIS FOR DISPUTE : - FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate or unverifiable information.

- FCRA 605 ( a ) : No negative account may be reported longer than 7 years.

- FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers must ensure accuracy.

- FDCPA 807 : Prohibits any false, deceptive, or misleading representation by collectors. 
I DEMAND THE FOLLOWING : - Permanent deletion of all listed negative items if verification can not be completed within 30 days. 
- Full details on the method of verification, including the name, address, and supporting documents. 
- Written confirmation of your findings and a revised copy of my credit report. 
- All items marked as 'Disputed by Consumer ' during the investigation period.

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. I reserve the right to pursue legal remedies for any violations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a written dispute letter to Navy Federal Credit Union regarding an account they are reporting as a charge-off. I formally requested verification under the Fair Credit Reporting Act ( FCRA ), including the original contract, full transaction history, and details of the charge-off calculation. 
The company did not respond within the required timeframe and failed to provide any supporting documentation. The account continues to be reported with an inaccurate charge-off status, and unverifiable information. 
This is a violation of FCRA 609 ( a ) and 623. I am requesting this account be deleted from all consumer credit reports due to the companys failure to validate the information they are furnishing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Today, XX/XX/XXXX, I checked my XXXX  account and saw in it's XXXX XXXX XXXX area that I had a new line of credit from Barclays Bank in Delaware as of XX/XX/XXXX. I didn't open this line of credit and want it removed from my name/account.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit score with Experian has disappeared entirely. This happened right after a trade line was deleted from my report. Since then, my score has shown as " unavailable, '' even though I still have active credit history. 

When I contacted Experian, they told me I would need to wait XXXX months for a score to generate again. This is not a reasonable explanation, especially when other bureaus are still showing my score. I have open and active credit accounts and there is no reason a score should not be present. 

Because of this, Ive been denied credit due to " no score available '' from Experian, which is affecting my ability to secure financing and housing.

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 2025-05-27 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 2025-05-28 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: FL

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 2025-05-28 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:
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 2025-05-28 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: KS

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Kansas XXXX XXXX XXXX To : experian XXXX XXXX XXXX tx Subject : Identity Theft Dispute Request for Block of Fraudulent Information Under XXXX XXXX. XXXX Dear Experian, I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I have been a victim of identity theft, and accounts or transactions have been reported in my name that I did not open or authorize.

Please note : Under 15 U.S.C. 1681c-2, a police report is not a prerequisite for blocking information resulting from identity theft. My submission includes the necessary identifying documentation to trigger your obligation to block this information from my credit report. 
The following accounts/information are fraudulent and must be blocked from my file immediately : * XXXX XXXX account number XXXX * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * I demand that these items be permanently blocked from my credit file within 4 business days from your receipt of this letter and documentation, as required by law. Please send me a written confirmation once the fraudulent data has been removed.

Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may subject your organization to penalties and damages under the FCRA.

Thank you for your immediate attention to this matter. I expect your full compliance with federal law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation