vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance had my vehicle repossessed by a third-party vendor called XXXX XXXX XXXX on XX/XX/year>. I contacted XXXX to schedule retrieval of my personal property, which includes federal identification documents ( my U.S. passport ). 

The company responded to my email with unprofessional and hostile messages, mocking my concern and refusing to provide respectful communication. Their representatives told me my threat to contact police was meaningless and called my request nonsensical, which is unacceptable behavior from a repossession agent handling a customers personal property. 

I have already forwarded this correspondence to Kia Finance for escalation, but I am requesting the CFPBs assistance to ensure my belongings are safely returned, that my federal documents are not tampered with, and that Kia Finance reviews this vendors conduct for compliance violations. 

Attached are screenshots of the full email exchange showing the unprofessional responses.

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 2025-11-10 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-10 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: CT

Complaint narrative:
I am submitting this dispute statement to request that the following accounts be investigated and corrected, as they may not be accurately reported. I am requesting corrections as per my rights under the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts and disputes. 
Charged-Off Accounts : XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries : XXXX XXXX  XXXX Date : XX/XX/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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am disputing the following accounts with Experian for inaccuracies in reporting. Please investigate and correct these discrepancies. 

============================== CHARGED OFF XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$150.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} ============================== INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-10 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had set this account on autopay multiple times, but the payments failed to process. While I was traveling internationally, their app did not function due to IP restrictions, which prevented me from managing the payment. ''

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXX IL XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court llinois Northern Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX Bank and their handling of my XXXX XXXX Credit Card account ( ending in XXXX ). 

On XX/XX/year>, I received a letter from XXXX XXXX Bank responding to my prior CFPB complaint ( Ref. No. XXXX ). While they claim to have issued a {$6.00} refund and requested that the XX/XX/year> delinquency be removed from my credit report, the matter remains unresolved for the following reasons : Credit Reporting Inaccuracy : XXXX acknowledges that they previously submitted a request to remove the XX/XX/year> delinquency but are asking me to allow up to 45 days for the credit bureaus to update their records. As of now, the delinquency remains on my credit reports, continuing to negatively impact my credit profile despite their admission that the reporting was inaccurate. 

Inconsistent XXXX and XXXX : XXXX letter states that my account balance is XXXX and that all late fees and related charges were credited as a courtesy. This contradicts their earlier reporting of a delinquency and implies acknowledgment of an internal error. However, despite this acknowledgment, they have not confirmed in writing that the correction has actually been processed with all three credit bureaus. 

Unclear and Delayed Remediation : It is not acceptable for a consumer to be left in uncertainty for over a month while inaccurate negative information remains on file. XXXX courtesy language does not change the fact that the original reporting was incorrect and harmful. 

I am requesting the CFPBs assistance to ensure : The XX/XX/year> delinquency is completely removed from all credit bureaus ( Experian, Equifax, and TransUnion ). 

XXXX XXXX Bank provides written confirmation that the correction has been made and verified with all bureaus. 

Any future negative reporting related to this resolved account be prevented to avoid further credit damage. 

I have attached XXXX full letter ( signed by XXXX XXXX, XXXX XXXX ) for your review. 

Thank you for your attention to this matter and for ensuring consumer rights are protected against inaccurate or misleading credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Sparks, NV

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 2025-11-10 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX Bank and their handling of my XXXX XXXX Credit Card account ( ending in XXXX ). 

On XX/XX/year>, I received a letter from XXXX XXXX Bank responding to my prior CFPB complaint ( Ref. No. XXXX ). While they claim to have issued a {$6.00} refund and requested that the XX/XX/year> delinquency be removed from my credit report, the matter remains unresolved for the following reasons : Credit Reporting Inaccuracy : XXXX acknowledges that they previously submitted a request to remove the XX/XX/year> delinquency but are asking me to allow up to 45 days for the credit bureaus to update their records. As of now, the delinquency remains on my credit reports, continuing to negatively impact my credit profile despite their admission that the reporting was inaccurate. 

Inconsistent XXXX and XXXX : XXXX letter states that my account balance is XXXX and that all late fees and related charges were credited as a courtesy. This contradicts their earlier reporting of a delinquency and implies acknowledgment of an internal error. However, despite this acknowledgment, they have not confirmed in writing that the correction has actually been processed with all three credit bureaus. 

Unclear and Delayed Remediation : It is not acceptable for a consumer to be left in uncertainty for over a month while inaccurate negative information remains on file. XXXX courtesy language does not change the fact that the original reporting was incorrect and harmful. 

I am requesting the CFPBs assistance to ensure : The XX/XX/year> delinquency is completely removed from all credit bureaus ( Experian, Equifax, and TransUnion ). 

XXXX XXXX Bank provides written confirmation that the correction has been made and verified with all bureaus. 

Any future negative reporting related to this resolved account be prevented to avoid further credit damage. 

I have attached XXXX full letter ( signed by XXXX XXXX, XXXX XXXX ) for your review. 

Thank you for your attention to this matter and for ensuring consumer rights are protected against inaccurate or misleading credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Sparks, NV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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 am submitting this complaint and request for investigation regarding inaccurate or questionable information appearing on my credit reports with XXXX, Experian, and XXXX. I am a consumer seeking an accurate and fair credit report as required by the Fair Credit Reporting Act ( FCRA ). 

Inquiries : I am disputing the following Experian inquiries as unauthorized or questionable : XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
i am requesting a XXXX for the charge off of XXXX XXXX by consumer portfolio services. we did a voluntary surrender. they claimed it as a repo. We did do a dispute and then their was a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-11-10 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: CA

Complaint narrative:
The following inquiries and late payments listed on my Experian credit report are disputed as inaccurate. I request that you investigate these items and correct any errors or remove them if they can not be substantiated.

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation