vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CORELOGIC INC
State: SC

Complaint narrative:
I am submitting this complaint against CoreLogic and any related CoreLogic consumer reporting or data analytics subsidiaries because I am a documented victim of identity theft, and fraudulent credit accounts continue to circulate through consumer reporting systems despite my providing extensive proof of identity theft and data compromise. 


Multiple fraudulent credit accounts were opened in my name without my knowledge or consent. These accounts are not mine. Those accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which have been identified as ID theft.

CoreLogic and its related entities are maintaining, distributing, or reselling inaccurate and fraudulent information about me, including identity theft tradelines and related inquiries, to lenders and other users. CoreLogic operates as a consumer reporting agency and data broker, and I understand it supplies merged credit reports, tenant and risk reports, and other consumer files to mortgage lenders and financial institutions.

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 2025-11-07 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: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute an inaccurate delinquency reported by Hyundai XXXX XXXX XXXX XXXX XXXX and to request immediate reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). Despite repeated outreach and my submission of indisputable proof of timely payment, Hyundai has failed to take corrective action or provide any substantive response. 

Account Information Creditor : Hyundai XXXX XXXX XXXXXXXX Account # : XXXX Reported Delinquency Month : Redacted Consumer : Redacted Background I initially contacted Hyundais Credit Disputes department to correct an erroneous delinquency reported for redacted date. I have since provided clear, verifiable documentation proving the payment was made within Hyundais contractual grace period. 

In addition to the formal disputes sent through Hyundais internal Credit Disputes listserv, I escalated the matter to multiple company executives with direct visibility, including " names redacted ''. 

None have responded despite receipt of the latest evidence showing that payment was made properly and on time. 

Evidence of Timely Payment I have the supporting documents at the ready : Hyundai XXXX XXXX billing statement for redacted date reflecting the payment due and account terms. 

XXXX  XXXX XXXX payment confirmation showing that payment was initiated and cleared within Hyundais grace period. 

Hyundai internal correspondence identifying the specific bill Hyundai flagged delinquent despite verified payment. 

These materials establish that Hyundais reporting is factually inaccurate, unjustified, and harmful.

Requested Actions Pursuant to FCRA 611 and 623, I am requesting the following : Each credit bureau should be directed to remove or correct the inaccurate delinquency from my credit file. 

The CFPB is requested to review Hyundai XXXX XXXX handling of this dispute for potential noncompliance and consumer harm, including the lack of response in the face of documented proof. 

Damages This inaccurate reporting has resulted in credit denials, reduced credit standing, and reputational harm. I respectfully request that this matter be reviewed for appropriate restitution and enforcement consistent with consumer protection law. 

Please confirm receipt of this correspondence and provide written notification of your findings and the corrective actions taken. 

Thank you for your immediate attention to this matter.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-11-07 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:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am a XXXX XXXX  working for a XXXX XXXX  XXXX  since XXXX and I have been paying on multiple federal direct loans for my youngest child 's college education since XXXX. I continued to make monthly payments during the pandemic pause. XXXX of the loans were paid in full during the pandemic. XXXX of the loans were XXXX, although there was a remaining credit on these XXXX totaling approximately {$3000.00} that was never returned to me. The remaining XXXX loans should have been XXXX at the beginning of XXXX. One shows a payment count of XXXX and XXXX of XXXX, a count that has not changed since the beginning of XXXX even though I continue to make monthly payments. I submitted my PSLF certification form in XXXX & again in XXXX. I also submitted reconsideration forms for these XXXX loans in XXXX, which should have been processed within a XXXX to XXXX business day period. Again I am way past the XXXX payments on each loan that would qualify me for discharge and yet there is no movement to rectify this issue. I have been a loyal and hard-working XXXX XXXX for more than XXXX  years and would appreciate my government 's respectful treatment of my concern. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MN

Complaint narrative:
XX/XX/XXXX : Paid off student loan XXXX XXXX XXXX 

XX/XX/XXXX : Mohela sent letter of confirmation for my paid student loan XXXX & XXXX. 

XX/XX/XXXX : I contacted Mohela why student loan XXXX is- {$15.00} with a frozen interest balance. 

XX/XX/XXXX : I filed a complaint to XXXX XXXX website for the same inquiry as above. My case number is XXXX for reference. 

XX/XX/XXXX : XXXX XXXX responded for nothing to be worried about as student loan XXXX XXXX XXXXXXXX are paid off in full. 

XX/XX/XXXX : I called Mohela to inquire about student loan XXXX - {$15.00} balance. The representative confirmed they will ask team members to distribute the - {$15.00} to my other remaining student loans. This has not happened. 

XX/XX/XXXX : Mohela sent an email letter that I owe {$12.00} for student loan XXXX. 

XX/XX/XXXX : I called Mohela and they asked me why can't I just pay the {$12.00}? I will not pay for a loan that was paid in full. I want to focus on paying my other student loans. Mohela has " expedited '' my case with a ticket number of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Product : Checking account Issue : Problem with funds availability or deposit hold On XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> at approximately XXXXXXXX XXXX XXXX XXXX ( right after the branch opened ), I walked alone into my local Chase branch XXXX XXXX XXXX Chase Bank to deposit a valid XXXX XXXX {$10000.00} personal check drawn on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The teller : 1. Illegally refused the federally mandated XXXX XXXX  {$270.00} next-day availability XXXX XXXX required by * * Reg CC 229.10 ( c ) ( 1 ) ( vii ) * * ( increased to {$270.00} in XX/XX/year> ). 
2. Threatened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which violates the * * absolute maximum 7-business-day exception hold * * under * * Reg CC 229.13 ( g ) * *. 
3. When I demanded reversal, they immediately canceled the deposit and returned the physical check but left me with * * {$0.00} cash * *, my gas light on for over XXXX miles, and no way to get home. 

This was not a new account opened over XXXX  months ago, I have no overdraft history, and the check was local and legitimate. Chase had * * XXXX legal basis * * to threaten any hold beyond XX/XX/XXXX ( XXXX business days ). Their actions were * * textbook intimidation and gaslighting * *. 

This caused extreme distress, financial hardship, and stranded me with an empty tank. I had to borrow money from family to buy gas. 

Demands : - * * {$2000.00} goodwill compensation * * for illegal Reg CC violation, emotional distress, and hardship - Written apology from Chase executive leadership - Permanent account flag preventing future holds - Confirmation that staff will be retrained on Reg CC Chase account ending : [ last XXXX digits - XXXX ] Check number : [ if you know ] Date of incident : XX/XX/year> @ XXXX AM I arrived alone, no witnesses needed this is on camera. ( Chase Bank - XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: DC

Complaint narrative:
I am submitting a dispute regarding the following accounts on my Equifax credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$620.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$740.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date Open : XX/XX/XXXX Positive Accounts : No positive accounts to dispute under Equifax. 

Late Payments : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I called XXXX  times to see if I could get lower monthly payments especially during XXXX, XXXX  when government is shutdown and XXXX  was not released for XXXX. They turned down lower payments and refused to lower the monthly payments. I have never had a problem with them working with me before about lowering my payments, but now I do. My budget has changed now that electric costs and food costs have gone up and the problem with the government shutdown for XXXX. The cost of the car is higher than what the car is even worth.

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 2025-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-11-07 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: OK

Complaint narrative:
I am reporting inaccurate credit information being furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  has been reporting a balance of {$140.00} on my account for several consecutive months. This information is incorrect because the XXXX XXXX XXXX XXXX is a secured charge card, not a revolving credit line. You can only spend funds you have already deposited, and every transaction is automatically paid in full using those funds. 
I first notified XXXX on XX/XX/year>, about the inaccuracy. As of XX/XX/year>, the incorrect {$140.00} balance is still being reported to the credit bureaus. This misreporting has caused my credit scores to drop due to false utilization reporting. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX and its issuing bank are required to report accurate information and promptly correct errors once notified. I request that the balance be corrected to {$0.00}, reflecting on-time payments and no revolving balance, and that XXXX confirm updates have been made with XXXX XXXX  and TransUnion. 
Please provide written confirmation once the correction is comp

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am reporting inaccurate credit information being furnished by CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  has been reporting a balance of {$140.00} on my account for several consecutive months. This information is incorrect because the XXXX XXXX XXXX XXXX is a secured charge card, not a revolving credit line. You can only spend funds you have already deposited, and every transaction is automatically paid in full using those funds. 
I first notified XXXX on XX/XX/year>, about the inaccuracy. As of XX/XX/year>, the incorrect {$140.00} balance is still being reported to the credit bureaus. This misreporting has caused my credit scores to drop due to false utilization reporting. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX and its issuing bank are required to report accurate information and promptly correct errors once notified. I request that the balance be corrected to {$0.00}, reflecting on-time payments and no revolving balance, and that XXXX confirm updates have been made with Equifax, XXXX XXXX XXXX 
Please provide written confirmation once the correction is comp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-07 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: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have inquries on my report that do not belong to mee I did not authoirze these inquires

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 2025-11-07 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-07 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: AL

Complaint narrative:
I am disputing the following accounts with Equifax, as they are either inaccurately reported or do not reflect the correct information. Please review these accounts for verification and accurate reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF ACCOUNTS XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged Off Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Status : Charged Off

Company response to consumer: Closed with non-monetary relief