vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing a charged-off credit card account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account was charged off and sold to a third-party debt buyer in XXXX However, XXXX continues to report the account on my credit file, even though they no longer own it. 

According to the FCRA, only the current debt owner should report the account. XXXX is reporting outdated and potentially inaccurate information, including no updates, no payments, and no ownership validation since the charge-off. 

I submitted a dispute through Equifax and no action was taken. The account is over 6 years old and nearing the 7-year deletion mark. I believe it should be removed immediately due to : 1. Lack of ownership by XXXX XXXX. Data gaps and outdated reporting XXXX. Harm caused to my creditworthiness I am requesting that the CFPB investigates this matter and directs XXXX to either validate their legal right to report this account or delete it from my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Diverse Funding Associates LLC
State: FL

Complaint narrative:
Dnf associates I have no prior history with them. Nor did I enter into a contract with them. This debt says charge off & the original contractor sold the debt. Im legally not responsible

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 2025-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
* This debt was not charged off in XXXX. 

I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX for their attempts to collect and report a loan originated by XXXX  ( Rosebud Lending LZO ), a tribal lender whose loans are void and uncollectible in Indiana. This is also a company the CFPB has already sued for this same reason. 

Under Indiana state law, consumer lenders must be licensed, and interest rates are capped at 21 % APR. XXXX  is not licensed in Indiana and issued a loan with illegal, triple-digit interest rates. Because of this, Indiana courts will not enforce these loans, and they are legally unenforceable and void. 

Despite this, XXXX XXXX XXXX : Is attempting to collect on this unenforceable debt, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
Has reported this illegal loan to credit bureaus, which constitutes false and inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
Has re-aged the account on my credit report, falsely updating the delinquency date to appear recent, in violation of FCRA 605 ( c ). 

If XXXX XXXX XXXX sues over this loan, the case can be easily defeated in court based on state law, and may open them up to counterclaims for unlawful collection attempts. 

This is not a duplicate complaint. It focuses on the legality of the underlying loan, and the credit reporting and collection activity stemming from a void, illegal debt.

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 2025-06-29 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/year> -- {$0.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I found hard inquiries on my credit report that I did not authorize, I havent applied for credit, and I believe these were made in error or without my consent. I asked for them to be removed but havent received a proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NC

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
A new Hyundai XXXX was leased on XX/XX/XXXX. XXXX of the conditions set by the buyer was to maintain the same monthly payment amount and payment date ( the XXXX of each month ) as their previous Hyundai XXXX XXXX, which they had regularly serviced at the same dealership and traded in for the new vehicle. 

The dealerships finance representative assured the buyer that this would not be an issue, stating that the payment date could be changed either through the Hyundai XXXX XXXX online portal or by calling them directly. 

On XX/XX/XXXX, the buyer called Hyundai XXXX XXXX to request the payment date change, as the portal did not allow this modification. Hyundai XXXX XXXX updated the payment date in their system and began automatically debiting monthly payments from the buyers bank account. 

However, on XX/XX/XXXX, the buyer received a statement indicating late fees were owed. Upon contacting Hyundai XXXX XXXX a representative informed the buyer that the issue was due to the dealership not disclosing that payment dates can not be changed on leases. The representative assured the buyer that the late fees would be voided. 

Despite this, the next months statement again showed late fees. On XX/XX/XXXX, the buyer called and spoke with XXXX, who transferred the call to his supervisor, XXXX. XXXX promised that someone would reach out to resolve the issue, but no one did. Subsequent statements continued to show accumulating late fees. 

On XX/XX/XXXX, the buyer spoke with XXXX XXXX from collections, who was reportedly rude and insisted the late fees must be paid. Unsatisfied, the buyer called again and spoke with XXXX XXXX, who escalated the case to another supervisor and promised a follow-up within XXXX business days. The buyer informed them of upcoming travel out of the country. It appears Hyundai XXXX XXXX attempted to call in XXXX, but the buyer was unavailable at that time. 

The buyer then visited the dealership and spoke with XXXX XXXX, who said he would escalate the issue and follow up within a week. Despite sending XXXX emails at XXXX request, the buyer did not receive a response. The buyer continues to receive statements with late fees, and repeated attempts to resolve the issue have been ignored. 

The buyer 's complaint : - Miscommunication regarding the ability to change lease payment dates. 
- Repeated late fees despite assurances of resolution. 
- Lack of effective follow-up from both Hyundai XXXX XXXX and the dealership. 
- Poor customer service and unresponsiveness.

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 2025-06-29 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-06-29 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical data systems has placed a collection on I am formally disputing the reporting of the above-mentioned account on my credit report. This account appears to relate to medical services, yet it includes information that may violate my privacy rights under HIPAA and FCRA 15 U.S.C. 1681.

I request immediate validation of this account, including : The name and credentials of the original creditor ( not just a collection agency ). 
Proof that I granted permission to disclose any medical details to a third party.

Complete itemized billing showing how the balance was calculated, without disclosing protected medical information in violation of HIPAA.

Until proper validation is provided, this account must be deleted per FCRA guidelines. 

Please complete your investigation within XXXX XXXX and confirm the results in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am filing this formal complaint against the following entities who are reporting inaccurate and unauthorized information to the consumer reporting agencies. This letter serves as a debt validation request, a cease and desist notice, and a demand for full chain of assignment and original contract agreements under my rights granted by : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c Fair Credit Reporting Act ( FCRA ), 605B Green v. Portfolio Recovery Associates, LLC ( 2019 ) -- - Accounts in Question ( Inaccurate and Unverified ) : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} XXXX. XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$12000.00} I dispute the accuracy and legality of these accounts. The collectors and furnishers listed above have not provided any signed contracts, proof of ownership, or full chain of assignment showing they legally acquired any debt allegedly owed. Without proper validation, these debts can not be legally collected or reported. 

Demand for Validation and Assignment Proof In accordance with 15 USC 1692g ( b ), I demand full validation of these accounts. Specifically, I require : 1. A signed contract bearing my wet ink signature.

2. A complete chain of assignment from the original creditor to the current entity. 


XXXX. The name and address of the original creditor. 


XXXX. Proof of legal ownership of the debt and authorization to collect in my state. 



Without the above documentation, you are requested to permanently delete these accounts from all consumer reports, as continued reporting constitutes willful misrepresentation under the FCRA and FDCPA. 


-- - Cease and Desist Notice Under 15 USC 1692c ( c ), you are hereby notified to cease all forms of collection activity, including phone calls, emails, letters, and reporting to consumer reporting agencies. Continued contact beyond this notice will be considered harassment and a violation of federal law. 


-- - Unauthorized Reporting and Inquiries Furthermore, I demand the removal of all hard and soft inquiries related to these accounts and entities from my credit report. I never gave written authorization to any of these third-party debt collectors or furnishers to access or report information to the credit bureaus. Their actions are in direct violation of FCRA 604 ( a ) ( 3 ) and 605B. 

Legal Precedent : Green v. PRA In Green v. Portfolio Recovery Associates, LLC, the court held that failure to validate debt or prove legal ownership renders the debt unenforceable and void of collection activity. This precedent supports my position and reaffirms that unverified, unverifiable debts must be removed from the consumers credit file. 


-- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2025, I disputed several accounts on my Experian credit report, including : XXXXXXXX XXXX XXXX  ( Account ending in XXXX ) XXXX XXXXXXXX XXXX Credit Card ( Account ending in XXXX ) I have screenshots from XX/XX/2025 clearly showing both accounts were marked as under dispute at that time. 

However, my XX/XX/2025 Experian credit report ( attached ) omits the legally required dispute remark for the XXXX tradeline. It fails to include the FCRA-mandated language like : Account information disputed by consumer ( Meets requirements of the FCRA ) This omission violates : FCRA 1681s-2 ( a ) ( 3 ) furnisher must notify agency of dispute FCRA 1681e ( b ) Experian must furnish only complete and accurate information FCRA 1681i ( a ) ( 5 ) when accurate dispute info is not verified, the tradeline must be deleted Experian knew the account was disputed on XX/XX/XXXX but still published a report the next day without reflecting that fact. This misled anyone reviewing my credit file and caused harm to my credit reputation. Furthermore, I was denied prequalification for an auto loan by XXXX after they pulled my Experian credit report. This occurred after my dispute was filed and before Experian had corrected or marked the XXXX tradeline as disputed. The report furnished to XXXX did not contain the required dispute notation, resulting in a materially misleading report and contributing to my loan denial. This demonstrates clear harm caused by Experians FCRA violation, and further supports my demand for deletion of the tradeline. I am requesting deletion of the XXXX account, not just correction, because Experian already violated the FCRA by publishing a materially misleading credit report after receiving my dispute. The account was not marked as disputed, making the tradeline inaccurate and incomplete under 1681e ( b ) and 1681s-2 ( a ) ( 3 ). Correction at this point is inadequate deletion is the only proper remedy.

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 2025-06-29 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: WY

Complaint narrative:
I am forwarding a letter sent to FBI Inspector General, XXXX XXXX this morning concerning a scam I have been involved in which XXXX refuses to address. I filed a complaint with CFPB ( above ) which was absolutely useless as most CFBP complaints are since nothing is ever done to address the offending institution.

This scam issue involves many more individuals than myself as detailed in my letter to XXXX XXXX. I am requesting your assistance with this because XXXX has a negative track record supporting customers who have been scammed and also because the documentation sent to me by XXXX in their response to CFPB includes letters from Experian and Equifax. What do they have to do with my XXXX complaint and charges I have disputed on my account? 

They are negatively impacting my FICO reports by stating I do not have enough revolving credit. My FICO is XXXX and I use XXXX to purchase items in order to have ongoing payments to boost my credit score. XXXX has informed me they do report to these agencies, and my account is in very good standing. I also pay utilities, internet, gas and electric monthly which should be reflected in ongoing accounts. 

Why has XXXX involved Experian and Equifax in my dispute? No one from XXXX has ever spoken to me regarding the scam issue. They state the merchant disagrees and they side with the merchant. I have informed XXXX XXXX and leadership I never purchased anything from XXXX XXXX XXXX XXXX. I purchased XXXX soaker hoses from XXXX which is a scam website- and they sent the charges to XXXX XXXX XXXX XXXX - apparently another scam site. No order confirmation was received ; a fraudulent shipping email was sent to my junk mail from XXXX and no items purchased have been received. How can XXXX blatantly allow fraudulent charges on my credit card? 

FBI XXXX XXXX and all those copied will not receive the letters I mailed to them until probably XX/XX/year> due to the Holiday.

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 2025-06-29 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: WY

Complaint narrative:
I am forwarding a letter sent to FBI Inspector General, XXXX XXXX this morning concerning a scam I have been involved in which XXXX refuses to address. I filed a complaint with CFPB ( above ) which was absolutely useless as most CFBP complaints are since nothing is ever done to address the offending institution.

This scam issue involves many more individuals than myself as detailed in my letter to XXXX XXXX. I am requesting your assistance with this because XXXX has a negative track record supporting customers who have been scammed and also because the documentation sent to me by XXXX in their response to CFPB includes letters from Experian and Equifax. What do they have to do with my XXXX complaint and charges I have disputed on my account? 

They are negatively impacting my FICO reports by stating I do not have enough revolving credit. My FICO is XXXX and I use XXXX to purchase items in order to have ongoing payments to boost my credit score. XXXX has informed me they do report to these agencies, and my account is in very good standing. I also pay utilities, internet, gas and electric monthly which should be reflected in ongoing accounts. 

Why has XXXX involved Experian and Equifax in my dispute? No one from XXXX has ever spoken to me regarding the scam issue. They state the merchant disagrees and they side with the merchant. I have informed XXXX XXXX and leadership I never purchased anything from XXXX XXXX XXXX XXXX. I purchased XXXX soaker hoses from XXXX which is a scam website- and they sent the charges to XXXX XXXX XXXX XXXX - apparently another scam site. No order confirmation was received ; a fraudulent shipping email was sent to my junk mail from XXXX and no items purchased have been received. How can XXXX blatantly allow fraudulent charges on my credit card? 

FBI XXXX XXXX and all those copied will not receive the letters I mailed to them until probably XX/XX/year> due to the Holiday.

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