vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased some items from KohlsXXXX in XX/XX/XXXX. In XX/XX/XXXX I tried paying the total owed. I went online and could not make the payment. I called Kohl 's credit card phone number and the representative could not complete the payment. I went into the local Kohl 's and tried paying the bill. The system would not accept the payment. The 2 associates present explained to me that Capital One was taking over Kohl 's credit card processing and there were problems with the system that were not worked out yet. They told me that it should be resolved soon and then I could make a payment. I was assured a couple of times that I would NOT be charged a late fee because of the problems they were having. In XXXX I checked on the account and found that not only had I been charged a late fee, there was interest and then an additional late fee because I had not paid the first one! I called the Kohl 's credit card department and explained it to the representative. He looked into it and said he removed the one late fee and the interest and would do something else to remove the second late fee. He said that it would be resolved by the next billing. I checked the account on Saturday ( XX/XX/XXXX ) and I was still being charged a late fee and would be charged another one if I didn't make payment by XX/XX/XXXX. I called Kohl 's credit card dept. that evening and told the guy all about it. He checked and said they could not remove the XXXX late charge and if it wasn't paid by the XXXX I'd be hit with another one. Have a nice day... 


I should NOT have any balance on this credit card. Kohl 's will not resolve the issue. I am not paying a late fee when I tried XXXX different times to pay the total in XXXX. This is a Rip-Off!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-05-13 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: MO

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : URGENT DISPUTE DEMAND FOR DELETION OF INACCURATE AND UNVERIFIABLE ITEMS To Whom It May Concern, This is a formal dispute of the accounts listed below pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ). 

The following accounts are inaccurate, unverifiable, and reporting false or misleading information, and therefore must be removed immediately from my credit report : Items to Be Deleted Immediately : XXXX. XXXX XXXX | Acct # : XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Collection {$710.00} XXXX. XXXX | Acct # : XXXX | XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX | Acct # : XXXX | Charge-Off {$220.00} LEGAL BASIS FOR REMOVAL Under 15 U.S.C 1681i, you are required to verify any disputed information within 30 days. You are further obligated under 1681e ( b ) to ensure all data is accurate and complete. Reporting debts with {$0.00} balances, or without full verification, violates this statute.

Additionally, under FDCPA 809 ( b ), if the debt collector ( furnisher ) can not validate the debt with complete, original documentationincluding signed contracts, itemized charges, and proof of assignmentyou are required to delete the entry.

YOU ARE HEREBY NOTIFIED : - I demand the immediate removal of all inaccurate, incomplete, or unverifiable accounts. 
- Continued reporting of any item that can not be fully validated constitutes willful noncompliance, and I am prepared to file formal complaints with the CFPB, FTC, and Attorney General. 
- I also reserve the right to pursue civil action for defamation, negligent reporting, and violations of my consumer rights under UCC 3-501, which requires presentment of lawful obligation.

FINAL WARNING You are on legal notice. If this dispute is not properly addressed within 30 days, I will escalate. I expect written confirmation of deletion for each disputed account. 

Sincerely, 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-13 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: I.C. System, Inc.
State: NC

Complaint narrative:
I HAVE CONTACTED XXXX  SEVERAL TIMES CONCERNING THIS ACCOUNT UNDER MY NAME THAT WAS OPENED UNDER FRAUD, XXXX STATED I WOULD NOT BE RESPONSIBLY SINCE IT WAS FRAUD, I HAVE BEEN DEALING WITH THIS PROBLEM FOR OVER 3 YEARS, THEY HAVE SENT IT TO OVER 10 COLLECTION COMPANIES AND I DISPUTE IT AND CALL THE COLLECTION COMPANY AND CALL XXXX AND THEY SAY IT DEEMED AS FRAUD, THEY 3 MO LATER IT SHOWS UP AGAIN WITH ANOTHER COLLECTION COMPANY, I KEEP DOING THE SAME THING OVER AND OVER AGAIN. EVERY TIME I CALL XXXX AND THE NEW COLLECTION COMPANY THEY SAY YOUR DOB IS WRONG AND THE ADDRESS IS WRONG AND EMAIL IS WRONG AND PHONE NUMBER. I HAVE NOW FILED LEGAL ACTIONS AGAINST IC SYSTEMS AND XXXX XXXX  TO FINALLY GET THIS PROBLEM FIX. I WANT BOTH COMPANIES TO BE IN COURT AND EXPLAIN THIS TO A JUDGE AND GET A COURT ORDER SIGNED. ITS NOW STOP MY CLOSING ON MY HOUSE AND NOW I MAY LOSE MY DEPOSIT.

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have been leasing cars since the XXXX XXXX XXXX XXXXXX/XX/XXXX my lease on my XXXX XXXX XXXX was up. I went to lease a XXXX XXXX Both fall under XXXX XXXX I had no problem getting a new lease. The problem was I was promised by XXXX that XXXX would work with me on termination fee and excess mileage. To get XXXX XXXX I put {$3000.00} down on a charge. No problem. XXXX sent me a {$2300.00} bill for termination and mileage. When I called them they told me they had no loyalty to XXXX even though Hyundai finance is the mothership and my payments go to the same place as my previous XXXX Hyundais. They would not accept a credit card for the {$2300.00}. Cash or debit which as a senior citizen I did not have. They reported me to the credit bureau. They need to be looked into cause if they would have accepted my credit card they would have gotten their money immediately. It has taken me a bit of time to get the cash available and Im in the process of paying them now. They were unreasonable and nasty. Thank you. Also my son referred me to XXXX and was promised a {$250.00} referral fee and they sent him {$100.00}. This corporation is definitely pulling fast ones.

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 2025-05-13 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Wells Fargo Credit Card Services, I am following up on my phone call with your customer service team on XX/XX/scrub>XXXX XXXX XXXX regarding a billing discrepancy on my credit card account. 



During the call, your representative acknowledged that a {$310.00} charge from XX/XX/year> was never processed and should not have been added to my XXXX billing cycle. Despite this acknowledgment, my minimum payment due for XXXX was adjusted to over {$600.00}, which still includes the unprocessed XXXX charge. 



I am formally requesting the following : Written confirmation that the {$310.00} charge has been corrected or removed as discussed. 

An updated billing statement reflecting the correct minimum payment and accurate account balance. 

Confirmation that no negative marks have been placed on my credit report as a result of this error. 

If any negative information has been reported, I am requesting that it be fully removed and corrected with all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 



As a precaution, I have temporarily XXXX autopay until this matter is resolved. 



Please confirm resolution of this issue in writing as soon as possible. I can provide supporting documents, including bank statements and payment confirmations, if needed.

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 2025-05-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal won't give me my {$160.00} from a guy that is living at my house and paying for utilities monthly. They won't tell me why they won't give me my money. They refuse to give me any information! They are stealing from me. They wouldn't transfer me to this so called " back office '' who is keeping my money from me. This is a terrible business and is stealing from me. I want them punished and I want my money. I will also be canceling my account with them. They are the worst company I have ever dealt with. Why in the world would you keep a couple XXXX dollars?! What is so material about that??? I hate this company and they won't give me any answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding Amex and the reporting of negative payment history on my credit report related to my open credit card account. The negative payment entries in question date back to XXXX - XXXX of 2018 and are beyond the statute of limitations for credit reporting and/or legal collection in my state. 

Under the Fair Credit Reporting Act ( FCRA ), negative information such as late payments must not be reported for longer than 7 years from the date of delinquency. Additionally, the statute of limitations for collecting on this type of debt in my state is [ insert number ] years, and that period has expired. 

Despite this, Amex continues to report this outdated payment history on an open account, which is unfairly impacting my creditworthiness. I am requesting that these obsolete late payment entries be removed from my credit report as they are no longer legally reportable and do not reflect my current payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief