vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-05 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: MI

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 2025-08-05 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: MI

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I found XXXXXXXX XXXX not reporting dates right, and others with different dates, there are different company names for the same collections and a lot of dates are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I found XXXX XXXX  not reporting dates right, and others with different dates, there are different company names for the same collections and a lot of dates are wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion of Account # XXXX, which you are reporting to the credit bureaus under my name. 

As of todays date, XXXX  has deleted this account from my credit file, which indicates either : The account could not be verified, The account was found to be inaccurate, Or Southwest Credit Systems failed to respond within the allowed time period under the Fair Credit Reporting Act ( FCRA ). 

However, this same account is still being reported by you to XXXX  and XXXX, which constitutes inconsistent and inaccurate reporting across the XXXX major bureaus. Under FCRA 607 ( b ), furnishers of credit information are required to ensure maximum possible accuracy. Failure to do so is a direct violation of federal law. 

In addition, FCRA 611 grants consumers the right to dispute any information believed to be inaccurate or unverifiable. If you can not provide complete validation and legal documentation supporting the validity of this alleged debt, you must remove it from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
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 XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
Complaint of Unauthorized Disclosure of Protected Health Information Dear Sir/Madam , I am writing to file a formal complaint regarding the unauthorized disclosure of my protected health information ( PHI ) by : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XXXX, I received a collection notice from the agency that included detailed information about my medical billing and procedures performed. I did not give my consent for this information to be shared or disclosed, and I believe this constitutes a violation of the Privacy Rule under HIPAA.

Additionally, in an attempt to validate the debt I requested of Aargon Collections the following : - Please provide a breakdown of any fees including any, and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me I request that HHS investigate this matter and take appropriate enforcement action against the responsible parties. Enclosed are copies of the relevant correspondence supporting 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 explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-08-05 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am filing a complaint regarding what I believe to be predatory and deceptive lending practices related to the purchase of a vehicle. 

In XXXX, I purchased a XXXX XXXX XXXX XXXX for a listed price of {$20000.00}. I made it explicitly clear to the dealership that my maximum monthly budget was {$300.00} and that I was in a desperate financial situation. Despite this, I was given a XXXX loan with a monthly payment of {$560.00} nearly double what I said I could afford. 

I was told that my interest rate was 6.5 %, but somehow this loan has ballooned to a total of over {$41000.00}. To date, I have paid more than {$21000.00}, yet I still owe nearly {$20000.00} more on a car thats now worth only {$6000.00} according to current resale values. 

Over the past three years, this car loan has : Put me at risk of homelessness multiple times Resulted in the vehicle being repossessed Caused severe financial and emotional stress I dont understand how a {$20000.00} car, with a supposed 6.5 % interest rate, could cost me over {$41000.00}. I feel I was manipulated and taken advantage of during a vulnerable moment, and Im struggling to understand how this is even legal. 

I am asking for a thorough review of my loan terms, and for any assistance possible in : Reducing the remaining loan balance Adjusting the interest rate Investigating whether the dealership or lender violated fair lending or consumer protection laws Please let me know what recourse is available to me, as I feel completely trapped and deceived by this situation. 

Ive already paid XXXX. I still owe XXXX. And the car is not even worth {$7000.00}.

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
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally express my concern regarding a deposit I made to my account on XX/XX/scrub>XXXX XXXX XXXX, which has yet to be made available for use. The deposit was made via mobile check deposit, and despite waiting well beyond the standard holding period, the funds remain inaccessible. 

I have contacted customer support previously on multiple occasions, but I have not received a satisfactory explanation or resolution. As per the Expedited Funds Availability Act, I understand that banks are obligated to release funds within a reasonable timeframe unless specific, disclosed circumstances apply. 

Here are the relevant details : Name : XXXX XXXX Bank Account XXXX XXXX Deposit Method : Mobile Check Deposit Deposit Amount : {$540.00} Deposit Date : XXXX  Check Issuer : XXXX XXXX XXXX XXXX XXXX XXXX Refund I would also like to emphasize that the funds in question were a refund from my college XXXX XXXX and were crucial for covering basic living expensesincluding rent, groceries, and essential needs. Due to the extended delay, Ive had to make significant sacrifices just to get by for the past two months. This situation has placed me under considerable financial and emotional strain, and I am urgently seeking resolution. 

I respectfully request a written explanation for the extended hold and a clear timeline for the funds release. If the deposit has been rejected or flagged for any reason, I ask for full disclosure, including supporting documentation. 

Should this issue remain unresolved, I am prepared to escalate the matter. 

Thank you for your attention to this matter. 

Best regards

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 2025-08-05 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriCollect
State: NV

Complaint narrative:
I requested the chain of custody and asked to be informed of all debt owed on a recored phone call on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These ongoing errors are taking a serious toll on me, both emotionally and financially, and are affecting my life in ways that are hard to put into words. These are already difficult times, and having these inaccuracies addressed would be more than just helpfulit would truly be a blessing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am a victim of identity theft. Accounts were opened in my name without my knowledge or authorization, and they are being reported to the credit bureaus as legitimate. I did not apply for these accounts, nor did I receive any benefit from them. I believe my personal information may have been compromised in the XXXX  data breach. I am disputing the accuracy of these accounts and requesting they be investigated, blocked, and removed from my credit reports under the Fair Credit Reporting Act ( FCRA ). I have submitted an FTC Identity Theft Report and provided documentation to the credit bureaus and/or the company reporting the accounts. These accounts are causing harm to my credit and financial wellbeing. 

Including : - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6900.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} - XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$3500.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} - XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4200.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} - XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4100.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}

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
Consumer complaint received 2025-08-05 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:
I am a victim of identity theft. Accounts were opened in my name without my knowledge or authorization, and they are being reported to the credit bureaus as legitimate. I did not apply for these accounts, nor did I receive any benefit from them. I believe my personal information may have been compromised in the XXXX data breach. I am disputing the accuracy of these accounts and requesting they be investigated, blocked, and removed from my credit reports under the Fair Credit Reporting Act ( FCRA ). I have submitted an FTC Identity Theft Report and provided documentation to the credit bureaus and/or the company reporting the accounts. These accounts are causing harm to my credit and financial wellbeing. 

Including : - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6900.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4100.00} - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}

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