vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Throughout my whole loan with Kia Motor Finance I never missed a payment. Now they are reporting derogatory remarks. I received the paid in full letter dated XX/XX/2025 stating that the loan had been closed and paid in full. Kia Motor finance reported the balance as {$0.00} and closed to XXXX  on XX/XX/2025. On XX/XX/XXXX, they then reported a {$3100.00} balance. They then charged off the loan on XX/XX/2025 for {$2300.00}. On XX/XX/2025, they reported derogatory remarks for XXXX and XXXX. 


My actions : I called them on XX/XX/XXXX and informed them I was given a paid in full letter and I emailed it to them. I was then informed that i would be given a call back from a manager. I called them again on XX/XX/XXXX because no one called me back and I spoke with a manager and he informed me that the loan was not paid and full and does not know how i got the paid in full letter. He says i have to pay the loan but I told he I was already informed it was paid off. They sent me an email of a balance due letter On XX/XX/2025 and it was dated XX/XX/2XXXX 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 2025-09-19 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: KY

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company 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 2025-09-19 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:
Federal law ( 15 U.S. Code 1681g ) requires that you delete these disputed accounts within 15 days.

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 2025-09-19 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: CT

Complaint narrative:
After reviewing my credit report I noticed fraudulent activity and inaccuracies. My personal information was exposed in a XXXX  DATA BREACH. According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on 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 2025-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Consumer USA is inaccurately reporting a charge-off on my auto loan. The vehicle was repossessed and sold by Santander. After the sale, Santander either collected the full balance or failed to properly update the account. Despite this, they continue to report a charge-off status with an outstanding balance. 

This inaccurate reporting is harming my credit standing and preventing me from accessing fair credit opportunities. It does not accurately reflect the resolution of the account after repossession and sale of the collateral. 

I disputed this directly with XXXX XXXX XXXX XXXX  and also contacted Santander by phone but the account remains inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX agency XXXX Bank or XXXX agency LVNV funding collection agencies use collection agencies have targeted me without giving formal notice of giving the credit unions credit reporting agencies negative credit information its all stated in my PDF what I am requesting 15 USC 1681s- ( a ) ( 2 ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-09-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: OH

Complaint narrative:
See this is the problem I have nothing. I withdraw from XXXX University with nothing more than a phone call. I received financial aid and paid off the balance in full for 1 semester. After XXXX  out the account I got with my XXXX XXXX XXXX And told them that the program wasn't for me. They tried to talk me into staying. I refused and withdrew from the school with a balance of XXXX dollars. I then shut off my financial aid. After that I received another bill for a class which I never attended. Apparently they didn't withdraw me because I got charged for another full semester. The balance is not the problem. The problem is I shouldn't owe them anything. They charged me for an entire semester that I never attended. I have conveyed this information multiple times. My original XXXX who I withdrawed with is no longer there? So I have no proof that the conversation ever even took place. I think this school knows exactly what they're doing and since it's financial aid, they're just used to people not paying attention.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 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: KS

Complaint narrative:
I am filing this complaint because all three nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate, incomplete, and unauthorized credit information and multiple hard inquiries in my credit file.

I have no such accounts or authorized inquiries from XXXX XXXX  ( or any of its variations ) or XXXX, yet each bureau lists these items. I disputed these entries directly with each bureau and provided notice that they are inaccurate. Despite this, they remain on my credit reports, damaging my creditworthiness. 

Equifax ( XXXX XXXX XXXX XXXXXXXX GA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX plus multiple inquiries between XX/XX/XXXX and XX/XX/XXXX ( full dates attached ). 

Experian ( XXXX XXXX XXXX XXXXXXXX TX XXXX ) : Lists XXXX XXXX  - XXXXXXXX XXXX XXXX  plus numerous inquiries from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion ( XXXX XXXX XXXXXXXX, XXXX PA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX and XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX with dozens of unauthorized inquiries between XX/XX/XXXX and XX/XX/XXXX. 

These entries are completely inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy, to reinvestigate disputes promptly, and to delete or correct unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: KS

Complaint narrative:
I am filing this complaint because all three nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate, incomplete, and unauthorized credit information and multiple hard inquiries in my credit file.

I have no such accounts or authorized inquiries from XXXX XXXX  ( or any of its variations ) or XXXX, yet each bureau lists these items. I disputed these entries directly with each bureau and provided notice that they are inaccurate. Despite this, they remain on my credit reports, damaging my creditworthiness. 

Equifax ( XXXX XXXX XXXX XXXXXXXX GA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX plus multiple inquiries between XX/XX/XXXX and XX/XX/XXXX ( full dates attached ). 

Experian ( XXXX XXXX XXXX XXXXXXXX TX XXXX ) : Lists XXXX XXXX  - XXXXXXXX XXXX XXXX  plus numerous inquiries from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion ( XXXX XXXX XXXXXXXX, XXXX PA XXXX ) : Lists XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX and XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX with dozens of unauthorized inquiries between XX/XX/XXXX and XX/XX/XXXX. 

These entries are completely inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy, to reinvestigate disputes promptly, and to delete or correct unverifiable information.

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 2025-09-19 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: GA

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 2025-09-19 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CATHAY BANK
State: CA

Complaint narrative:
Cathay Bank at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX TEL # ( XXXX ) XXXX The incident took place on XX/XX/year> and we already reported the problem to the branch office in XXXX CA on XX/XX/year> by following their instruction to open a NEW checking account and moved 98 % of the funds from the old account to new account, it has been more than a month, we still have not received the reimbursement of a forged signature on an altered check incident. I contacted the customer service at Cathay bank about it and they advised they do not have updated info about it and urged me to contact the branch office of Cathay Bank in XXXX CA instead. I spoke to a reprehensive on XX/XX/year> to inquire update about it and she said she will look into it and call me back. I didn't receive a return call so I followed up today only to find that the branch office XXXX that took care of the problem on XX/XX/year> has left the job and the clerk who helped to open a new account said it is not bank 's responsibility that the check got cashed. 

Originally, we wrote the check to XXXX home owner insurance company of {$1900.00}. However, the mail was stolen from a vandalized mail stop at postal office and then it has been altered and forged. We kept all of the evidences and filed the police report, freeze credits through all three credit bureaus and reported to post office of such incident. Bank is held liable for altered check and forged signature. It is upsetting that we are the victim of the negligence and now they are telling us they will not be responsible for this check fraud incident due to their inattentiveness to verify the authentication of the check is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted TO WHOM IT XXXX CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Prior disputes are marked resolved but errors remain indicating a failure to reinvestigate. 
DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE, I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT XXXX NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED. 
WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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