vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, and Equifax credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX  XXXX up to open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I am writing to notify you that several accounts appearing on my credit reports are the result of identity theft following a data breach involving my personal information. I did not open, authorize, or use these accounts. Please investigate and remove or block all fraudulent information from my credit file as required under the Fair Credit Reporting Act ( FCRA ) 5 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I sent in an extra {$3000.00} in XXXX to go directly to tue loan principal. I called them in XXXX and instructed them to put it all towards the principal. 

I received a statement in XXXX relating that I did not owe a monthly balance because I had over paid. I called on XX/XX/XXXX and spoke with supervisor XXXX. She related that I had over paid and the future payments were being deducted from the {$3000.00} that I paid and that I wouldnt owe a car payment until XX/XX/year>. 

I informed XXXX that the {$3000.00} was to be applied to the principal only and that I had called to ensure it. She related that she saw the notes and was not sure what happened. She said she would call me back and never did. 

I am now paying interest on money that I have already paid back and they will not apply my money to principal only. I also would like to be refunded the interest that I paid on the money I paid them back.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
Fell behind due to XXXX XXXX and XXXX. CBE did not validate nor consider hardship. 
Requested : Validation Hardship correction Removal of inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint as a follow-up to my previous letter requesting the removal of remaining unauthorized inquiries that continue to appear on my credit report. These inquiries include XXXX XXXX  dated XX/XX/year> and XXXX XXXX  XXXX XXXX XX/XX/year>. The continued reporting of these inquiries, which I did not authorize, is inaccurate and appears to be in breach of federal regulations under the Fair Credit Reporting Act ( FCRA ). Despite my prior written request for investigation and removal, these inquiries remain on my file without proper verification or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TN

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX * XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-13 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Re-inserted information at the police report was filed and presented to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. Accounts were Deleted from other credit bureau stating deleted as well. 

XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$600.00} past due as of XX/XX/XXXX. Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 
Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account charged off. {$670.00} written off. {$980.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Account Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments in Dispute : XX/XX/year> - 30 days late Dates of Late Payments in Dispute : XX/XX/year> - 60 days late These reported late payments are being challenged as both factually inaccurate and legally improper, based on the following federal statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ) This law requires creditors to investigate billing disputes before reporting any adverse action. I assert that these late payments were either misapplied, incorrectly recorded, or are subject to billing error and therefore must not be reported to credit bureaus until a thorough reinvestigation is completed. 
15 U.S.C. 1666bThis section mandates that payments must be credited in a timely and accurate manner and within the grace period, if one exists. If payments were received on time or if grace periods applied and were ignored, the creditor is in violation of federal law.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) The FCRA excludes transactions or experiences between a consumer and a creditor from being considered consumer reports. In other words, a late payment is a transactional experience, not a factual or verified item, and therefore does not belong in a consumer report if not validated or if disputed.

15 U.S.C. 1681aDefines a consumer report and outlines what information may and may not be furnished to consumer reporting agencies. Furnishing inaccurate, unverified, or excluded information ( like disputes involving billing errors ) violates this section.

15 U.S.C. 1681s-2This law places a duty on furnishers to ensure the accuracy and integrity of information they report. Any failure to conduct a reasonable investigation upon notice of a dispute, or reporting information known to be incorrect, is a direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I filed a dispute with Transunion to remove XXXX accounts with XXXX XXXX XXXX because they are inaccurate accounts that are not showing up on XXXX  and XXXX. 
They did not delete the accounts, but told me they were verified and updated it as closed.They did not give detail of how it was verified.I did not give permission or sign any contract with this company

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Account tied to medical hardship. XXXX did not validate or acknowledge hardship. 
Requested : Validation Removal if unvalidated Hardship adjustment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-13 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-13 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:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the 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 2025-11-13 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: CA

Complaint narrative:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I XXXX XXXX am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified entries that I believe to be inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that you investigate these discrepancies and correct or remove them if found to be in violation of the FCRA. Furthermore there are unauthorized inquiries on my report that I did not initiate which constitutes a case of identity theft pursuant to 18 U.S.C. 1028 I do not owe any debt to these entities and I demand immediate deletion of the items and inquiries in question of correcting my credit report.Thank you for your immediate attention to this serious matter. I expect a prompt resolution in compliance with the 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous & Associates is reporting a XXXX XXXX collection that is inaccurate. 
I attempted to cancel my XXXX XXXX membership multiple times by phone in XXXX and XXXX. The gym never processed the cancellation, continued billing me after my cancellation requests, and did not provide proper cancellation instructions or notices. 

Under XXXX  Health Studio Services Act ( Civil Code 1812.841812.97 ), a gym must provide a clear cancellation process and must stop billing once a member cancels. That did not happen here. The charges that make up this collection were generated after my cancellation attempts, so the balance being collected is the result of XXXX XXXX failure to comply with XXXX  law. 

I have never received a copy of a signed contract, billing history, notice of delinquency, or any documentation explaining the basis of this amount. The dates reported by the collector do not match the time period when the account was active. 

I am requesting full validation, including : a copy of the signed membership agreement documentation of my cancellation requests the gyms cancellation procedures provided to me accurate billing statements required notices prior to collections If the collector can not validate the debt in accordance with XXXX  law, I am requesting removal of this collection from all credit bureaus.

Company response to consumer: Closed with explanation