vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have three revolving lines of creditone with my credit union, one with XXXX XXXX, and one with XXXX. Only the credit union account is appearing on my Experian credit report, and the XXXX  XXXX and XXXX  accounts are also missing from specific other bureaus : XXXX  XXXX is not on my Equifax report, and XXXX is not on my TransUnion report. Below are the details of the issue, including dates. 

XXXX XXXX Line of Credit Date Account Opened : XXXX XXXX XXXX  Line of Credit Date Account Opened : XX/XX/XXXXXXXX  Credit Union Line of Credit Date Account Opened : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-09-17 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: AZ

Complaint narrative:
I am disputing the reporting of a late payment status on my credit file. The information being reported is inaccurate and does not reflect my true payment history. I have either paid this account on time or never missed the reported payment. Therefore, the late payment entry is false, misleading, and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting that this late payment status be fully investigated and permanently corrected or deleted if it can not be verified with complete, accurate, and documented proof. Any continued reporting of unverified or inaccurate information is a direct violation of my rights under federal law.

I demand the immediate removal or correction of this false late payment notation and written confirmation once the matter has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
On XX/XX/year>, I noticed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are reporting inaccurate and unverifiable information on my credit file. I have never received a valid contract, signed by me, that authorizes them to report these accounts. I have asked multiple times for them to provide physical verification of the original signed agreement as required by the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) ( A ) ), but they have failed to produce it. Instead, they continue to report these accounts, which are causing financial harm to me. 
The continued reporting without proper verification violates the FCRA and is misleading to other creditors who rely on this data. I have also reviewed the Consumer Financial Protection Bureaus own complaint database and found similar consumer complaints where the CFPB obtained relief for the consumer in these situations. 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 explanation
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hyundai Motor Finance kept me informed through their on line statements that no payment was due until XX/XX/XXXX ( due to a large total loss insurance payment ). A hard copy invoice was sent by regular mail months after the on line statement continuously showed a payment due date of XX/XX/XXXX. The invoice said a payment was due 30 days from the date of the invoice ( XX/XX/XXXX ) which would mean by XX/XX/XXXX while their on line statement still said a payment wasn't due until XX/XX/XXXX. This hard copy invoice was not received until about a week after the date of the invoice. 
When I asked many of the Hyundai phone representatives I spoke to, what superseded what, I was told the on line statement superseded the hard copy invoice as they couldn't even see the invoice in their system. 
Regardless of not having a payment due according to their own on line statement, I did pay the balance due of {$7100.00}. 
Regardless of the above my account was reported as written off and then update to paid written off.

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 2025-09-17 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:
these charges are not mine an fraudulent remove from my credit files. i have attached the items were disputed by me an removed then re appeared. as a victim of identity thief the bureaus are failing after multiple attempts to block remove an protect my identity. the credit bureaus asked me to send documents verifying my identity which was my address social security card untily bill showing | residence i have lived qt more then 2 years. i have sent this in multiple timew including 2 weeks ago via certified mail. they need to be fined an immediately remove an block items which is causing me financial hardship an they keep responding they need 60 days to complete. i have been doing this same cycle for the last 10 months when my identity was stolen an these are car loans for XXXX. i am single father with XXXX XXXX  girls to take care of not this for 10 months

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 2025-09-17 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
My home was sold on XXXXXXXX XXXX XXXX. The title company informed us at the time that we have an escrow balance of over {$1500.00} that would sent to us from Wells Fargo. After months of waiting, I contacted the mortgage/loans dept and was told that they sent the check by mail to my old address from 7 years ago. They've had my current address on file for years. I was told a new check would be sent out to my correct address. After waiting a couple months, I called back and notified that I still had not received the check. The representative read me the address they sent the second check to and the street address was misspelled, although I had spelled out the name to the representative during my second phone call. I was then told that the money would be deposited in to my checking account instead and all of my information about my account # and routing # were taken at that time. After another couple months of still not receiving it, I called back and was told they ran into a problem with depositing it into my account and would need to mail out a new check. I was told it would take 10-14 business days. It has now been over 3 weeks and I still have not received it in the mail. It has now been over 5 months of attempting to get my escrow balance refunded to me. The representatives on the phone continue to tell me there is nobody else in the chain of management that can help me.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citi responded to CFPB Case # XXXX regarding the closure of my accounts ending in XXXX and XXXX. Citi claimed they were closed due to lost/stolen card or unusual activity within the past 12 months. However, Citi provided no details no dates, no specific transactions, and no documentation to substantiate this explanation. Without supporting evidence, I can not verify or dispute their claims. This lack of transparency denies me a fair process and suggests Citi acted arbitrarily. 

I want the CFPB to publish this description on consumerfinance.gov so others see Citis lack of accountability. I consent to publication after the CFPB removes personal information.

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 2025-09-17 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : LVNV Funding - Improper Collection Reporting Body : I dispute the LVNV Funding collection [ Account number XXXX ]. 
LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
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 non-monetary relief
Consumer complaint received 2025-09-17 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding multiple unresolved inaccuracies, unauthorized inquiries, and unverifiable information being reported on my credit files by Experian, Equifax, and TransUnion. These errors have negatively affected my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes and the clear statutory protections provided under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), the information remains uncorrected. Specifically, my Experian report includes addresses that do not belong to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX in XXXX XXXXXXXX well as inaccurate employment information under XXXX XXXX and XXXX. Additionally, Experian is reporting accounts from XXXX XXXX XXXX with false late payment notations between XXXX and XX/XX/XXXX, despite those accounts showing {$0.00} balances. These entries are inconsistent with other bureaus and must be removed under FCRA 611 and 623 ( a ) ( 2 ). Experian has also recorded an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, which lacks permissible purpose as required under FCRA 604 ( a ) ( 3 ). Similarly, my Equifax report lists an address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX well as an unauthorized inquiry from XXXX XXXX XXXX on XX/XX/XXXX. TransUnion is reporting the same incorrect address, along with inaccurate employment entries under XXXX and XXXX XXXX. It is also reporting a collection account from XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) with a balance of {$1700.00}, which is not mine and appears to be reported in error. TransUnion has additionally reported false late payments for DeptEdXXXX  accounts from XXXX to XX/XX/XXXX, despite those accounts also showing {$0.00} balances. Furthermore, there are several unauthorized hard inquiries on my TransUnion report, including those from XXXX ( dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX XXXX ( XX/XX/XXXX ). These inquiries were made without my consent and have no legitimate purpose, in violation of FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ). To date, none of these disputes have been resolved, and I have not received proper validation or investigation results from the credit bureaus.

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 2025-09-17 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding multiple unresolved inaccuracies, unauthorized inquiries, and unverifiable information being reported on my credit files by Experian, Equifax, and TransUnion. These errors have negatively affected my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes and the clear statutory protections provided under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), the information remains uncorrected. Specifically, my Experian report includes addresses that do not belong to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX in XXXX XXXXXXXX well as inaccurate employment information under XXXX XXXX and XXXX. Additionally, Experian is reporting accounts from XXXX XXXX XXXX with false late payment notations between XXXX and XX/XX/XXXX, despite those accounts showing {$0.00} balances. These entries are inconsistent with other bureaus and must be removed under FCRA 611 and 623 ( a ) ( 2 ). Experian has also recorded an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, which lacks permissible purpose as required under FCRA 604 ( a ) ( 3 ). Similarly, my Equifax report lists an address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX well as an unauthorized inquiry from XXXX XXXX XXXX on XX/XX/XXXX. TransUnion is reporting the same incorrect address, along with inaccurate employment entries under XXXX and XXXX XXXX. It is also reporting a collection account from XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) with a balance of {$1700.00}, which is not mine and appears to be reported in error. TransUnion has additionally reported false late payments for DeptEdXXXX  accounts from XXXX to XX/XX/XXXX, despite those accounts also showing {$0.00} balances. Furthermore, there are several unauthorized hard inquiries on my TransUnion report, including those from XXXX ( dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX XXXX ( XX/XX/XXXX ). These inquiries were made without my consent and have no legitimate purpose, in violation of FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ). To date, none of these disputes have been resolved, and I have not received proper validation or investigation results from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I disputed a charge with XXXX for {$180.00} on XX/XX/XXXX, dispute case number : XXXX. Goldman Sachs Bank USA denied my dispute, claiming I agreed to the merchants terms and conditions. However, the charge meets the definition of a billing error under the Fair Credit Billing Act because goods/services not received. I checked into the hotel on XX/XX/XXXX, but I had to check out after only 20 minutes due to unacceptable room conditions. The ceiling had visible mold, the shower water wasnt working, and the room had a strong, unpleasant odor. I immediately brought these issues to the attention of the front desk, but I was informed that the hotel was fully booked, and no alternative room was available. Due to the unsafe and uninhabitable conditions, I was left with no choice but to leave the property and rebook at another location. I attempted to resolve this with the merchant and the bank, but the issue remains unresolved.

Company response to consumer: Closed with explanation