vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX Kia XXXX was repossessed by XXXX XXXX coordinated by XXXX XXXX XXXX. The tow was done improperly my vehicle was pulled from the rear with the front wheels on the ground, which is not safe for this type of electric vehicle and caused damage. 

I filed a claim ( # XXXX ) with the towing companys insurer ( XXXX XXXX, through their XXXXXXXX XXXX XXXX ). I repeatedly requested copies of factual claim documents such as tow photos, condition reports, and the alleged release form. For weeks, the XXXX ( XXXX XXXX ) refused, claiming work product. When documents were finally sent after long delays, they were incomplete and included false information : A forged release with a signature that is not mine. 

A condition report that exaggerated damage ( falsely stating all XXXX tires were poor and nearly every panel was scratched ). 

The company delayed for more than 40 days before sending partial records, has withheld key custody photos, and continues to deny responsibility. These actions have left me without repairs, reimbursement, or safe use of my car for over XXXX months. 

I am requesting that the company take responsibility, release all factual claim records, and cover the cost to repair my vehicle to its pre-repossession condition.

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 2025-09-23 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting of my credit information. 

Specifically, XXXX XXXX has reported the same account to the credit reporting agencies more than once. This duplicate reporting makes it appear as though I have multiple accounts with the same balance and payment history, which is misleading and harmful to my credit profile. 

This practice violates my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Duplicate reporting of a single account is not accurate.

15 U.S.C. 1681i ( a ) I have the right to dispute inaccurate or incomplete information and request an investigation to correct or remove it.

15 U.S.C. 1681s-2 ( a ) Furnishers of information ( such as XXXX XXXX XXXX have a duty to provide accurate information to the credit reporting agencies. Duplicate entries are not accurate. 

I am requesting that the CFPB investigate this matter to ensure XXXX XXXX corrects the duplicate reporting and that the credit bureaus remove the inaccurate entry immediately. 

This duplicate reporting is negatively impacting my creditworthiness, which may affect my ability to obtain credit, employment opportunities, and fair lending terms. 

I respectfully request that this matter be reviewed and corrected in accordance with my rights under the FCRA. 

PLEASE DELETE/REMOVE THE CLOSED XXXX XXXX ACCOUNT with the {$0.00} balance opened on XX/XX/year>.

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 2025-09-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The dates wrong form XXXX 2025 with amounts totaling to about XXXX. I have taken multiple actions to get documentation and proof from goldman sach apple card to submit to XXXX  and can not get anywhere with their support. XXXX is asking me to send documenation and proof from them that the trasnactions have been reverted and that there is not outstanding trasnactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I attempted to purchase a phone from XXXX on XX/XX/year> using XXXX, tried the XXXX time to checkout and hit an error message on the website, however I got Charged the down-payment amount of {$190.00}. I retried it the XXXX time and it went through and I got charged same amount {$190.00}. Unfortunately, XXXX was unable to complete the order because they had my email address wrong. So it got canceled on XXXX 's end. I reached out to XXXX and redid the order but this time the down-payment charged was {$230.00}. 
Next few days {$190.00} got reversed by XXXX back to my account. I did not get the other duplicate charge of {$190.00} back so I disputed it with Chase bank. After 90 days chase denied the claim and reversed the credit they initially issued. And since then I have spent over XXXX hrs on phone calls between, Chase, XXXX and XXXX on who is responsible for my refund. All XXXX firms have denied responsibility and successfully tossed me around from XXXX to post.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 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 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 2025-09-23 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:
Subject : Formal Demand for Removal of Student Loan Account ( XXXX ) Based on Violations of Federal Law and Failure to Comply with Proper Verification Requirements To the Supervisor of the Department : This letter serves as a formal dispute and opt-out notice pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.. It is also a demand for deletion of the following student loan account ( XXXX ) due to a failure to provide proper legal authorization, verification, and disclosure. 
Violation of Privacy and Disclosure Requirements ( GLBA ) Per 15 U.S. Code 6802, financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties including credit bureaus without giving the consumer clear and conspicuous notice and the ability to opt-out. At no time was I provided : Clear written notice that my nonpublic personal information would be reported to credit bureaus. 
An opportunity to opt out of this data sharing. 
An explanation of how to exercise my opt-out rights. 
Because this requirement was not met, the transmission of my personal and financial data to any consumer reporting agency is unauthorized and unlawful. You are hereby instructed to permanently cease and desist from sharing or reporting any of my account history or personal information related to these student loans. 
Violation of FCRA Incomplete and Inaccurate Reporting Under 15 U.S.C. 1681i ( a ) and 1681s-2, you are legally obligated to conduct a reasonable investigation upon receiving a dispute. Furthermore, you are required to verify the accuracy of the data by obtaining documentation from the original creditor or furnisher of the account. 
This includes physical verification of an original, signed Promissory Note, not a digital or reproduced version, to validate that : I legally entered into a financial agreement. 
The reporting party has lawful standing to collect, report, or assign this alleged debt. 
The account is not fraudulent, inaccurate, or unlawfully reported. 
If you can not produce original signed contracts and documentation proving the legal basis for reporting, you are required to remove the account immediately under federal law. 
Account to be Deleted I am disputing the following account and demanding its deletion : Account Name/Servicer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation : This account was reported without valid authorization, legal verification, or proper consumer disclosure under the Gramm-Leach-Bliley Act and Fair Credit Reporting Act. The Promissory Note has not been provided, and the information reported is both incomplete and potentially fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance repossessed my vehicle account number XXXX without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. 

After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
These fraudulent accounts do not pertain to me. I ask that you promptly investigate and erase them from my credit history. Supporting documentation has been attached.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Reference to Prior Complaint : CFPB Ref # XXXX Issue : The company did not resolve my issue. Capital Ones response did not address my request for proper validation of the late payments reported on my account ending in XXXX. Their letter only confirmed the reporting and listed months marked as XXXX days late but did not provide any supporting documentation. 

Requested Information : Billing statements for the disputed months Payment posting records showing actual dates of receipt vs. due dates Companys Response Issue : Capital XXXX  acknowledged my request but refused to provide these records, instead instructing me to call separately for verification. This does not meet the standard of a proper investigation under the Fair Credit Reporting Act ( FCRA ). Without documented proof, they can not substantiate that the reported delinquencies are accurate. 

Reason for New Complaint : Because the company has failed to provide the required documentation and continues to report unverifiable late payments, I remain unsatisfied with their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Re : Request for Account Information Account Number : CB/VICSCRT - XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OR

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXX XXXX XXXX XXXX  XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX State Regulatory Agency

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 2025-09-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 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 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