vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I made contact with XXXX XXXX XXXX on XXXX2025 about an account that had appeared on my credit report. XXXX XXXX XXXX agreed to a settlement of {$330.00} and to delete there company information from my credit profile after payment was made. I made the payment of {$330.00} on XXXX/2025 with the original balance being {$590.00} from the original creditor XXXX XXXX. I disputed this account with Experian Credit reporting agency to investigate this account and to accurately report this account. Experian Credit Reporting Agency Failed to investigate this account and uphold XXXX XXXX XXXX to the agreement between myself and the creditor made to delete there company information from my credit profile. ( There is a voice recording of the agreement between myself and the creditor of the conversation that took place on XXXX/25 ). During the the conversation between myself and XXXX XXXX XXXX  I requested to be emailed the terms of our agreement and I requested to have a hard copy of our agreement to be mailed, but I never received the terms of our agreement after being told that I would receive the.

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 2025-05-22 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX is inaccurately reporting multiple late payments on my mortgage account during a time I was approved for a COVID-19 forbearance. Under the CARES Act and related federal guidance, accounts in forbearance due to a pandemic-related hardship are not to be reported as delinquent. 

Specifically, they are showing : 30/60/90-day lates in XXXX, XXXX, and XXXX of XXXX No data reported for XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX 180+ day lates for XX/XX/XXXX through XX/XX/XXXX, even though I was still under a hardship plan and had communicated with them about the forbearance. 

This reporting is both incomplete and misleading under the Fair Credit Reporting Act ( FCRA 607 ( b ) ). It misrepresents the true status of the loan during a forbearance period and is severely impacting my creditworthiness as I prepare to purchase a home.

I am requesting that XXXX XXXX XXXX immediately investigate this matter and either : Remove all late payment reporting during the forbearance period and correct any gaps or errors in reporting ; OR Delete the tradeline entirely, as the data is not being reported accurately, consistently, or in accordance with federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-22 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: RentDebt Automated Collections, LLC
State: UT

Complaint narrative:
XXXX XXXX is reporting a negative on my credit. I used to live XXXX XXXX XXXX back in 2020/XXXX. I never had any issues and gave them a 60 days notice when I left. I paid my last month rents and they kept my deposit. I never got a call or an email from XXXX XXXX XXXX about any due balance for my apartment. It wasn't until I checked my credit that I even noticed a collection. I tried calling XXXX who I had not heard from, I didn't get a 30 day right to dispute notice, any debt validation, contracts, etc from them. I did call to see if I could get it paid just to take it off my credit but they were unwilling to set up any kind of arrangement of really discuss the debt other than to pay it. However, I am still unsure what this debt is even for. I ask they please provide the original debt contract, any validation statements, and proof of debt. Otherwise, this needs to be removed from my file as you continue to report 2 separate collections which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX KY sent my personal information and broke XXXX by sending my info without consent to XXXX XXXX XXXX in XXXX XXXX KY. They keep billing me and every time the amount is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I am having problems with my whole finance account and car. The dealership changed paperwork AFTER I drove off. This fraudulent act caused me to not get my first statement in time, added extra money to the loan, changed the car amount, and overall payments. I asked XXXX XXXX for an amortization table and they said they were not able to provide one ( XXXXXXXX XXXX XXXX XXXX ). They said the loan is a daily compounding interest loan so they can not give me a table, because of how the interest compounds. Furthermore, I am also not able to use features on the website like 'reset username ' or 'reset password ', the website keeps telling me that my information is not verified or correct and the information presented on the website looks crazy. The numbers and dates are running into each other, no matter where I log in. There was also confusion on what my loan number was at one time AND title number. Furthermore the dealership sent me a happy birthday email yesterday ( XX/XX/XXXX  ), however it's not my birthday - not even close. This may be where the discrepancy is coming in at with Hyundai Finance not being able to find my information when I put in my username, DOB, and email. Furthermore, the car is already having electrical issues -because the car apparently was damaged before it was sold to me, and no one disclosed it. The car started having electrical issues at about 3,000 miles. It's not over 5,00 miles right 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 2025-05-22 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 requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} Inquiries XXXX XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I have attempted several times to get back into my old cash app account they keep denying me access to my cash app account but yet they keep saying that I verified my identity. They have sent me documentation of my most recent transactions and all my past transactions they have tried working with me but they are unable to grant me access to my account even though I better find my identity. I requested help from a manager they say a manager can not talk to me unless it is on email also the manager was unable to help me with my request even though I verified all the information that she needed me to. I do not wish to take any actions against any employees just the company itself because they keep on denying me access to my account in my funds which is about {$790.00} which is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
I disputed a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ) that was filed on XX/XX/XXXX and dismissed by court order on XX/XX/XXXX. I submitted new and relevant documentation including the court-stamped dismissal order and confirmation that XXXX and XXXX  have already removed the record. 

Despite this, Experian refused to process my new dispute. Their system blocked the submission, stating bankruptcy already dismissed, and did not allow me to upload the new documents. This denies my right to dispute under FCRA section 1681i ( a ), which requires reinvestigation when new, relevant information is submitted.

The bankruptcy record has the same case number that was originally reported by XXXX. Since XXXX has deleted the record, Experian no longer has a verifiable source and is reporting unverified, outdated public record data in violation of FCRA section 1681e ( b ). 

I also disputed a charged-off XXXX XXXX account XXXX Acct # XXXX ) that is closed with a {$0.00} balance. The account was charged off in XX/XX/XXXX and is listed as purchased by another lender. I requested that Experian verify whether XXXX XXXX still retained the legal right to report the account, and I asked for proof of ownership transfer or supporting documentation. Experian has not provided any proof of verification or legal basis for continued reporting. Under FCRA section 1681i ( a ) ( 7 ), I am entitled to the method of verification, and without proper documentation, the item must be removed.

I am requesting the CFPB to compel Experian to fully remove both the dismissed bankruptcy and the unverifiable XXXX XXXX account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This complaint is for Citizens Bank, claim number XXXX first called and created on XX/XX/XXXX. 
On XX/XX/XXXX, I discovered seven ( 7 ) unauthorized ACH transactions withdrawing money from my business checking account with Citizens Bank, account ending XXXX, I called Citizens Bank to reported about the fraudulent transactions and requested the bank to rolled back the transactions and recover the funds. A week later, four of them were recovered, but three transactions were still not. I called Citizens again on XX/XX/XXXX asking for the status of the outstanding transactions, they told me to give them more time to investigate the case, told me to call back in a week or ten days. I called again on XX/XX/XXXX, they said they are working with XXXX XXXX and told me to wait. After 2 weeks, I called them again I learned that the case was closed. I asked them why they closed the case without fully recovered my fund but they did not give me a clear reason at their end and they would reopen the case but told me to call XXXX XXXX and work with them. I keep calling them many times after but the problem is still not resolved. 
Until now, my fund is not recovered yet. I believe Citizens Bank failed to act properly to keep my money deposit safely at the bank and failed to act in a timely manner to recover the fraudulent ACH transactions, resulting a big loss for me as their customer. I demand the bank responsible for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXXL Date : XXXX/2024 XXXX XXXX Date : XXXX/2024XX/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 2025-05-22 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: SC

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXXL Date : XXXX/2024 XXXX XXXX Date : XXXX/2024XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX2024, Balance : {$22000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/scrub>XXXX/2024 XXXX Date : XXXX/2024XX/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