vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-15 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: TX

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-08-15 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: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act. I am writing on my own behalf as a natural person. For several months, I have sent multiple written disputes regarding inaccurate and unverifiable information on my credit reports with all XXXX bureaus. In each letter, I have made it clear that I am submitting the disputes myself and that I have provided proper supporting documents. Despite this, the bureaus continue to claim that an unauthorized third party is involved falsely.

Pursuant to 15 U.S.C. 1681i ( 7 ), I have the right to receive a description of the reinvestigation procedure used to verify disputed information. This includes the business name, address, and telephone number of any furnisher of information that was contacted. I have repeatedly requested this information, but the bureaus have failed to provide it within the required timeframe. 

The disputed items include inaccurate personal information, unauthorized inquiries, late payment notations, and multiple charge offs that I believe to be inaccurate and unverifiable. Specifically : Incorrect previous addresses Incorrect employer names Unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX  Late payment entries for XXXX XXXX XXXX XXXX and XXXX  Card Charge offs for XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX  I have also requested the following information for each disputed account : The name of the original creditor The creditors address and telephone number The name of the person who verified the dispute The valid documentation used to validate the dispute The bureaus procedures to ensure maximum possible accuracy The bureaus have failed to provide this information or to remove the disputed items when they can not be verified. This is a violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act. I am writing on my own behalf as a natural person. For several months, I have sent multiple written disputes regarding inaccurate and unverifiable information on my credit reports with all XXXX bureaus. In each letter, I have made it clear that I am submitting the disputes myself and that I have provided proper supporting documents. Despite this, the bureaus continue to claim that an unauthorized third party is involved falsely.

Pursuant to 15 U.S.C. 1681i ( 7 ), I have the right to receive a description of the reinvestigation procedure used to verify disputed information. This includes the business name, address, and telephone number of any furnisher of information that was contacted. I have repeatedly requested this information, but the bureaus have failed to provide it within the required timeframe. 

The disputed items include inaccurate personal information, unauthorized inquiries, late payment notations, and multiple charge offs that I believe to be inaccurate and unverifiable. Specifically : Incorrect previous addresses Incorrect employer names Unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX  Late payment entries for XXXX XXXX XXXX XXXX and XXXX  Card Charge offs for XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX  I have also requested the following information for each disputed account : The name of the original creditor The creditors address and telephone number The name of the person who verified the dispute The valid documentation used to validate the dispute The bureaus procedures to ensure maximum possible accuracy The bureaus have failed to provide this information or to remove the disputed items when they can not be verified. This is a violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C.1681g ), and 604 ( 15 U.S.C.1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that Ido not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used Experian Account Not FounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
My payments are due on the XXXX every month. I make my payment and it takes over a week for them to withdraw and apply the payment to my account. Twice I attempted to make a payment, and when they withdrew had non-sufficient funds, thinking the payment had already come out of my account. Since XXXX payments were declined from XXXX payments, they locked that account. I only have the XXXX checking account, so I can't make payments. They took a payment over the phone using my debit card. When I called today to make my payment, they told me that I couldn't pay via debit card unless my account is past due. ( They did not inform me of this the first time ) they denied me paying my account. Telling me I would have to send in a cashiers check or money order, it is XXXX, the post will not be open, and my letter will not be postmarked and my payment will be late. Banking revisions speak of timely debits and credits to accounts. I should be able to pay my bill on time, using whatever means I have available. I believe this bank entity to be a predatory lender, and should be treated as such.

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 2025-08-15 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. This account in question include XXXX XXXX XXXX XXXX. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is a follow up from previous complaint as this is unresolved. Hyundai Motor Finance continues to string me along and lie. As I mentioned after being there were no options for me except a month deferment for XXXX and then being told I did not qualify. Then the company responded to the complaint saying they tried to contact me and give me a deferment which is untrue. I have called my finance company almost every day trying to resolve this. I sent them a copy of their response certified mail. Then told now I owe {$1900.00} and obviously dont qualify for a deferred payment. I have been passed around to different numbers and departments left on hold given wrong phone numbers all kinds of methods to get rid of me. Every day before work and after work I stay calling for resolution. While also contacting charities looking for assistance. This amount of stress is unbearable! A couple days ago XXXX told again that they tried to give me a deferment and cant now. I just have told this scenario about a XXXX times. Then this morning XXXX told by the XXXX XXXX  that they can offer me a XXXX XXXX deferment. I asked how is this going to help me now you sent a repossession letter and I owe {$1900.00} because you guys have been stringing me along. The agent tells me XXXX get the deferment and anything I pay towards the loan will be lowering my past due balance and days past due protecting the loan. She tells me the team emailed me and is waiting for my signature. I advised o did not receive the email. She transfers me to another department who says the email has not been sent it takes a couple days. Which it has never taken days when I had a deferment in the past. She tells me if I dont get the email call back. Right another call! This is what they did in XXXX told me I had an email coming then when I didnt receive it told me its because the deferment was rejected and I had to make XXXX on time payments that is what started this whole thing! So it seems to me they are just brushing me off while I scrub more and more debt and I call and call wasting time and energy. I actually feel like XXXX is killing me. They have been completely dishonest unprofessional and unhelpful!

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 2025-08-15 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: GA

Complaint narrative:
Requested debt verification from this company and credit bureaus and have not received a response. This is a violation of FAIR DEBT COLLECTIONS PRACTICES ACT and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX  late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my reports to this complaint on the following dates ( Transunion XXXX XXXX XXXX Experian XXXX XXXX and Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX ). Also, the last payment and closed date differ as well ( Transunion and Equifax XX/XX/XXXX and Experian XX/XX/XXXX ). I am now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated as paid on time immediately. Thank you for your understanding and prompt action.

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 2025-08-15 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX  late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my reports to this complaint on the following dates ( Transunion XXXX XXXX XXXX Experian XXXX XXXX and Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX ). Also, the last payment and closed date differ as well ( Transunion and Equifax XX/XX/XXXX and Experian XX/XX/XXXX ). I am now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated as paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
WHAT IS GOING ON I CANT UNDERSTAND WHAT IS THE REASON?! WHO IS DING THIS?? I LITTERALY CANT UNDERSTAND IT WHY WOULD THIS EVEN HAPPEN, IF YOU CAN FIND THESE PEOPLE I WOULD REALLY APPRICIATE IT I AM LOOKING FOR A GOOD OUTCOME FROM THIS BECAUSE I HAVE CONTACTED TOO MANY COMPANIES AND TALKED TO A LOT OF SUPERVISORS INCLUDING THE ONES FROM THE CREDITORS. ON MY NAME THERE ARE COUPLE OF INQUIRES WHICH ARE NOT MINE AND THEY ARE COMING BCAUSE OF THAT PEOPLE WHO I AM TRYING TO FIND AND MAKE THEM PAY LEGALLY FOR THIS, PLEASE HELP ME HOWEVER XXXX CAN TILL I FIGURE IT OUT MYSELF AS WELL, HERE ARE THE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX. I HOPE I HEAR BACK AND THANK YOU

Company response to consumer: Closed with non-monetary relief