vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-04 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: MA

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the XXXX XXXX reporting XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I used Money Lion only for their XXXX. Basically it gives you your pay check ahead and you pay it back. Well someone hacked my account and I have the email that shows it. They opened a credit builder loan and transferred the funds to an unknown XXXX XXXX. Ive never used the digital account since using the application. I have disputed this with my bank but now they have my checking account linked to pay back the credit builder loan I never opened! You dont have to put your information in to open the loan because the app does it for you so whoever hacked my account has access to my information to open because they hacked my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I am filing a formal complaint against Kia Finance America regarding an ongoing billing dispute and unfair collections activity. 

XXXX XXXX : A Kia Finance XXXX previously confirmed that a miscalculation on their end resulted in an incorrect balance on my account. Despite this acknowledgment, I have been repeatedly contacted for payment and subjected to collections activity. 

Attempts to Resolve the Issue : I have spoken to Kia Finance representatives multiple times and have chat transcripts confirming these discussions. 
I have repeatedly requested written confirmation of the miscalculation and corrective action, but Kia Finance refuses to provide any documentation. 
When I asked to escalate the matter, I was told to call their Customer Assistance Team, but they were unavailable when I attempted to contact them. 
Unfair and Deceptive Practices : Kia Finance continues to attempt collection on a balance that was admitted to be a miscalculation. 
They refuse to provide any written confirmation or documentation explaining the issue. 
They have failed to provide clear resolution steps despite multiple contacts.

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 2025-02-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX, I held a CD which had a 24-month term, APR of 4.32 percent with a maturity date of XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the APR changed to 4.29 percent. I was guaranteed the APR was locked in for 24 months. Between XX/XX/XXXX to XX/XX/XXXX, I held two other CDs with a 10-month term, APR was XXXX percent with a maturity date of XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the term changed to 10 months with a 5.30 percent to 4.50 percent with the maturity date changed to a 12 month term. The same happened with other CD where APR was 5.31 percent to 4.50 percent and term changed to 12 months. Can someone please explain the logic behind this and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : DIV OF CHILD SUPPORT - XXXX - {$31000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-02-04 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: MN

Complaint narrative:
All collections and charge off accounts and hard inquiries needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within 4 business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to ^r XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have a KIA MOTOR FINANCE inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I would like these collections removed from my credit report because I was never informed of them or billed for them in the first place. Also, the rule that CFPB has in place says that medical debts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXXPhone : XXXXEmail : XXXX Subject : Formal Complaint Against Experian for Non-Compliance with FCRA and CFPB Consent Order Dear Consumer Financial Protection Bureau , I am filing this formal complaint against Experian Information Services for their failure to conduct a proper investigation regarding disputed items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting a formal dispute on XX/XX/XXXX, and providing clear documentation of reporting inaccuracies, Experian has failed to take any corrective action. 

Background of the Dispute On XX/XX/XXXX, I submitted a formal dispute to Experian, citing multiple inaccuracies on my credit report. I specifically requested verification or deletion of the following accounts due to inconsistencies, errors, and non-compliance with FCRA and IRS 1099-C charge-off reporting requirements : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Despite the 30-day timeframe required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian failed to conduct a meaningful reinvestigation. Instead, they responded with a generic statement affirming the accuracy of the disputed information without providing supporting documentation or a clear methodology used in their investigation. Additionally, my updated Experian credit report from XX/XX/XXXX shows that no changes were made, proving their failure to act.

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 2025-02-04 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: NY

Complaint narrative:
I kindly urge you to remove these fraudulent accounts from my credit report, as I neither initiated them nor was aware of their existence. According to USC 1681g, I am requesting their deletion within 15 days. Supporting documents have been provided.

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 2025-02-04 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have two different occasions, one is where I sent to wrong person and they didn't give it back. Two is where I was trying to rent a car, and they kept my money and I got no car. I have scene shots attached. There was no one to speak to to get this resolved at cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.

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 2025-02-04 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: FL

Complaint narrative:
I thought I had resolved the issue with XXXX XXXX in regards of the personal loan with them. I had sought legal representation to resolve this issue, they removed it then they RE-INSERTED this information without my knowledge, I signed the documentation per their counsel 's requested, I initially wanted to seek financial compensation for them re-inserting the information on ALL OF MY CREDIT REPORTS, however I realized that I was going to be in breach of the agreement ( in which I agreed to stick to them removing the information from ALL OF THE CREDIT REPORTS AND RECORDS ). I signed and provided the signed documentation along with the tracking information for the signed document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NE

Complaint narrative:
I am filing this report due to having incorrect and fraudulent accounts on my fico credit profile. I am demanding under the FCRA law that these items are removed as soon as possible within 4-15 business days. These items are associated with hard inquiries, collections and bad debt. Here are the items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX, DEPT OF EDUXXXX ( 3 ACCOUNTS IN TOTAL ) DP OF EDUC ( 4 ACCOUNTS IN TOTAL ). THESES ARE THE ACCOUNTS I DEMAND TO BE CLOSED DUE TO FRAUDULENT ACTIVITY!

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 2025-02-04 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: IL

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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an Everbank XXXX XXXX XXXX account XX/XX/XXXX. As of XX/XX/XXXX I noticed that I am not receiving the current published rate of 4.3 % advertised online for this account and instead received a rate of 4.05 %. Upon calling the first time I was told that rates change. Upon further questioning I was told I was no longer a new customer. I was told I could close the account and open a new one and would then be a new customer. I was told only rates would change and could not get an answer as to how long I would remain a new customer. This was reiterated by a manager who called me back today. 

My complaint is nowhere does it divulge in the advertisements that you no longer receive the advertised rate for this account type when you are no longer a new customer and when that might occur. I am not sure when I didn't receive advertised rate. On XXXX and XXXX advertised is 4.3 %. I formally request I receive the advertised rate and damages of 10 % FINDERS FEE of those damaged by the same lack of information. From their actions they knew they were in error. This follows code ( S 230.2 ( b ) ) truth in advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681i which mandates the responsible investigation of disputes. Furthermore, Equifax'sactions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of Investigation.

These are the account that I marked as in accurate 1. XXXX XXXX XXXX 2. XXXX XXXX A 3. XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief