vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability 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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing how XXXX XXXX XXXX is reporting my closed auto loan. 

I had an auto loan with XXXX XXXX ( XXXX XXXX XXXX ) opened in XX/XX/XXXX. In XXXX my vehicle was declared a total loss. My insurance company paid the remaining loan balance in full on XX/XX/XXXX. After that payment there was no past-due amount and no charge-off. The account should report as paid in full, closed, with on-time payments. 

However, Equifax and TransUnion have repeatedly shown this account with derogatory remarks such as charge-off, paid profit and loss, or payment after charge-off/collection. I filed disputes with both bureaus multiple times. At XXXX point the tradeline was corrected, but then the same negative remarks were reinserted again. Experian currently shows the account correctly as Paid, Closed/Never late, which confirms how it should report. 

I contacted XXXX XXXX and asked them to correct their reporting to all credit bureaus and to provide their method of verification. They only directed me to send a letter to a XXXX XXXX and did not resolve the issue or explain why they are furnishing charge-off language on an insurance-paid total loss. 

These inaccurate and reappearing derogatory remarks have significantly lowered my credit scores and affected my ability to obtain credit on normal terms. 

I am requesting that XXXX XXXX be required to : XXXX. Correct the tradeline with all credit bureaus to Paid, Closed, Never late ; XXXX. Remove all charge-off/P & L/collection/derogatory notations for this account ; XXXX. Provide proper verification and ensure this incorrect information is not reinserted again.

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 — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am disputing how Kia Finance America is reporting my closed auto loan. 

I had an auto loan with Kia Finance ( Hyundai Motor Finance ) opened in XX/XX/XXXX. In XXXX my vehicle was declared a total loss. My insurance company paid the remaining loan balance in full on XX/XX/XXXX. After that payment there was no past-due amount and no charge-off. The account should report as paid in full, closed, with on-time payments. 

However, XXXX  and XXXX  have repeatedly shown this account with derogatory remarks such as charge-off, paid profit and loss, or payment after charge-off/collection. I filed disputes with both bureaus multiple times. At one point the tradeline was corrected, but then the same negative remarks were reinserted again. XXXX  currently shows the account correctly as Paid, Closed/Never late, which confirms how it should report. 

I contacted Kia Finance and asked them to correct their reporting to all credit bureaus and to provide their method of verification. They only directed me to send a letter to a PO Box and did not resolve the issue or explain why they are furnishing charge-off language on an insurance-paid total loss. 

These inaccurate and reappearing derogatory remarks have significantly lowered my credit scores and affected my ability to obtain credit on normal terms. 

I am requesting that Kia Finance be required to : 1. Correct the tradeline with all credit bureaus to Paid, Closed, Never late ; 2. Remove all charge-off/P & L/collection/derogatory notations for this account ; 3. Provide proper verification and ensure this incorrect information is not reinserted again.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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: 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX -- -- Unauthorized Inquiry REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mortgage is with Shellpoint mortgage company. Mortgage number is XXXX under the name XXXX XXXX address XXXX XXXX XXXX, XXXX XXXX SC XXXX. Ive had this mortgage for two years. The payment comes out automatically the first of every month. This month, I noticed the payment didnt come out and when I went to go online to check out why it showed my mortgage was inactive. I dont know why my mortgage will be inactive. I still owe a lot of money. I havent done anything to cause the mortgage to be inactive. I am unable to get a hold of the Shellpoint mortgage company. They have a number that you call but it routes you according to your phone number Social Security number or mortgage number. It wont connect me to anybody or help me because it says it cant verify me. It cant verify me because my loan is inactive. Its a very frustrating situation. I would just like to talk to a person and get this situation fixed, but XXXX cant talk to a person. It wont connect me to a person. It just cuts me off because it cant verify me because my mortgage is inactive. Theres definitely a flaw in the system and meanwhile my mortgage payment was due on the first and hasnt been taken out of my account because my mortgage is supposedly inactive. Please help

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: CarMax, Inc.
State: VA

Complaint narrative:
CARMAX AUTO FINANCEXXXX {$15000.00}. THE COMPANY HAS FALSELY REPORTED LATE PAYMENTS AND REFLECTED A DELINQUENT ACCOUNT INACCURATELY CLOSING ON XX/XX/XXXX ; WHEN IN FACT THE ACCOUNT WAS PAID ON TIME MONTHLY, THE ENTIRE 72 MONTHS, AND ULTIMATELY PAID OFF IN XX/XX/XXXX ( NOT XX/XX/XXXX ), BY CHECK, WHICH I HAVE RECEIPTS AND RECORD OF. I HAVE REACHED OUT SEVERAL TIMES TO CARMAX AUTO FINANCE TO RECTIFY THIS ISSUE, WHERE THEY ASSURED ME THEY WOULD. CARMAX AUTO FINANCE ONLY CONTINUES TO UPDATE THE COMMENT OF " DISPUTE-SUBSCRIBER DIAGREES '', INSTEAD OF ACCURATELY UPDATING THE ACCOUNT INFORMATION BY PROVIDING FACTUAL DATA. I WOULD LIKE THIS ACCOUNT REFLECTED ACCURATELY IMMEDIATELY, OR THEREFORE IMMEADATELY REMOVED UNDER MY PROTECTED FCRA RIGHTS OUTLINED IN 18 U.S. CODE S. 1014, THAT HAVE BEEN BREACHED BY THIS COMPANY DUE TO THE INACCURACIES REPORTED.

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: EQUIFAX, 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 30 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 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I tried to make a withdraw of XXXX dollars from the XXXX bank branch ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. 

The machine decline and never dispersed my funds. They refuse to investigate any camera footage. My bank is showing that the funds were dispersed so they won't refund me. 

I also tried to withdraw money at the XXXX XXXX the next day for XXXX which didn't go through. I tried to contact XXXX XXXX XXXX ATM and they would not help either. 

My card was locked and that is why the machines declined the transaction but somehow the money was taken out of my bank account and they refuse to refund me or offer any assistance. Please help

Company response to consumer: Closed with 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: NJ

Complaint narrative:
I dispute the inquiry made by XXXX as I do not recall authorizing it. Under FCRA 1681b ( c ), I request proof of my consent for this inquiry. If no such proof can be provided, I request that this inquiry be removed from my credit report. 


CHARGED OFF : INQUIRIES : XXXX  Date of Inquiry : XX/XX/XXXX Statement : I dispute the inquiry made by XXXX as I do not recall authorizing it. Under FCRA 1681b ( c ), I request proof of my consent for this inquiry. If no such proof can be provided, I request that this inquiry be removed from my credit report. 

XXXX CARD Date of Inquiry : XX/XX/XXXX Statement : This inquiry by XXXX CARD was made without my consent. Under the FCRA, I request proof of my authorization for this credit check or the removal of the inquiry from my report. 



LATE PAYMENTS : XXXX XXXX XXXX Account Number : XXXX Late Payment Date ( s ) : ( Please include any specific dates ) Statement : I dispute the reported late payments on this account. These payments do not match my records. I request verification under FCRA 607 ( b ) to confirm the accuracy of the reported payment history. If these entries are unverifiable, I respectfully request their removal from my credit report. 

XXXX & XXXX BANK Account Number : XXXX Late Payment Date ( s ) : ( Please include any specific dates )

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: Experian Information Solutions Inc.
State: NC

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 30 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 30 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime mishandled my dispute for unauthorized XXXX Bet charges on my debit card. I reported the transactions as fraud and filed a dispute, but Chime entered the wrong dispute amount and later withdrew my claim without my consent during a call where I specifically asked to refile it. 

I made it clear that I did not authorize or benefit from these charges, yet Chime refused to reopen the claim or issue a provisional credit as required under Regulation E ( 12 CFR 1005.11 ). They also failed to properly investigate or provide written documentation supporting their decision.

I am requesting that the CFPB require Chime to : 1. Reopen and properly investigate my dispute, 2. Provide documentation of their findings, and 3. Issue a provisional and/or final credit for the unauthorized charges Ive been victim of a XXXX  XXXX  these past weeks and im having issues with memory and other things, i feel like Chime took advantage of me while theyre supposed to protect me as prejudice of my appearance

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Account and Violation of FCRA ( 15 U.S.C. 1681b ) I am writing to formally dispute a derogatory collection account that appears on my credit report. The information reported is inaccurate, incomplete, and not verified in compliance with federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Upon reviewing my credit reports from XXXX XXXX and XXXX, I have found that the dates associated with these accounts ( XXXX  and XXXX ) are inconsistent across all three bureaus. The reported Date Opened, Date of First Delinquency, and Date Updated differ between bureaus, which raises serious questions regarding the accuracy and validity of this information. 

Additionally, the reporting of this derogatory collection account appears to be incorrect and potentially unlawful, as it does not meet the standards for permissible purpose and accuracy required under 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ). These sections mandate that consumer reporting agencies must ensure the maximum possible accuracy of all information reported and that no information should be included or shared without a legitimate and verifiable purpose. 

Because the reporting contains discrepancies and unverifiable data, I am demanding the immediate deletion or correction of this account from my credit file. Please conduct a full reinvestigation as required under 15 U.S.C. 1681i, and provide me with : 1. The name, address, and contact information of the entity that furnished this information to you ; 2. Documentation used to verify the accuracy of the reported account ; and 3. Written confirmation of deletion if the account can not be fully verified. 
Please complete this reinvestigation within the 30-day time frame allowed by law and send me written confirmation of the outcome. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am filing this complaint against IQ Data XXXX for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I mailed two certified debt validation requests to IQ Data XXXX, the first on XX/XX/XXXX, and a follow-up on XX/XX/XXXX ; requesting verification of the alleged debt and that all collection activity cease until proper validation was provided. I have proof of certified delivery for both letters, yet I have not received any response, documentation, or verification from the company. 
Despite their failure to validate the debt, IQ Data XXXX continues to report an alleged balance of {$2400.00}, which is inaccurate and not owed. They claim my move-out date was XX/XX/XXXX, but I have email confirmation from the property management showing my actual move-out date was XX/XX/XXXX. I also made an advance rent payment of {$1000.00} on XX/XX/XXXX ( verified by my bank statement ) and paid a {$750.00} security deposit, which should have been applied to my account balance. 
IQ Data XXXX has ignored lawful debt validation requests, continued reporting unverified information to the credit bureaus, and failed to provide evidence supporting the alleged debt amount. I respectfully request that the CFPB investigate IQ Data XXXX for these violations and assist in having this inaccurate collection removed from my credit report.

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: OH

Complaint narrative:
I dispute the accuracy of this account. I believe the reported information is incorrect, and I request a full investigation and correction of this account. 

Charge Off Accounts : Disputed Account ( s ) : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$470.00}

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