vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I have carefully reviewed my report and found a collection account that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. Pursuant to 15 U.S. Code 1681i ( a ), upon receipt of this dispute, you are required to investigate the disputed information. 

The account : XXXX XXXX # XXXX Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 
I have carefully reviewed my report and found a collection account that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. 

Pursuant to 15 U.S. Code 1681i ( a ), upon receipt of this dispute, you are required to investigate the disputed information. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 have a vehicle loan with Kia Finance America that began in XX/XX/year>. My monthly payment is approximately {$590.00}, but I have regularly paid more ( around XXXX  XXXX ) with the intent of reducing my loan principal and shortening the term. 

I recently discovered that these overpayments have not been applied toward principal, but rather toward future payments meaning I am not receiving the interest savings I expected. 

When I called customer service, I was told that I must call every month to request this manually, and that they do not allow permanent instructions to apply overpayments to principal. 

I believe this practice is unclear, inconvenient, and ultimately works against customers attempting to pay down their loans faster. Im requesting that past overpayments be applied to principal where possible and that a standing instruction be allowed for future payments.

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 2025-03-28 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: CITIBANK, N.A.
State: ID

Complaint narrative:
My father opened a credit card under my name without my consent to be accepted for card eligibility. He maxed out card limit. Due to this it has negatively affected my score. Disputed twice with XXXX and was denied both times. I had Citi-card remove me as authorized user on card. They have yet to remove the rating from my account. 
I want the Citi-card account completely removed from my credit reporting and all history tied to that account. Again, I did not consent, authorize or agree to opening or putting my name on this card.

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 2025-03-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-03-28 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed several inquiries among the records held by all ( XXXX ) of the credit bureaus from XXXX that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The XXXX INQUIRIES in question specifically are as follows : " XXXX XXXX XXXX '' - On XX/XX/year> : -- - Appears On Reports At : TRANSUNION, XXXX " XXXX XXXX XXXX '' - On XX/XX/year> : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. If they are unable to prove that these inquiries were in fact for a legitimate business purpose and requested by myself, then I would like them removed immediately. 

Thank you. 
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 2025-03-28 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 looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was involved in a XXXX data breach, Upon pulling my credit report XXXX notices several enquires appearing on my credit report. I am requesting that Trans Union remove the all inquiries from my credit report. These inquiries are preventing me fiancially.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a credit card with Bank of America ending in XXXX. 
I have struggled to pay this credit card with them because it does not show up on my " payment center with them. '' I have been charged multiple late fees because I essentially have to trick their system into sending it to a credit card I know longer have with them to credit my right card. 
I fear this is messing up my credit as well as I am getting charged interest and late fees. 

I have contacted them and they have tried to " walk me through '' how to correct this with no avail. They essentially do not believe me. 

I am disputing my late fees and any interest associated with my card ending in XXXX I uploaded my payment history showing where I have to " trick their system '' paying a card I dont have. Also where I paid a card I do have and they are saying I did not. But now charging my late fees.

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 monetary relief
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$470.00} Account name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Formal Complaint Improper Debt Collection, Misrepresentation in Legal Proceedings, and Credit Reporting Violations by XXXX XXXX XXXX XXXX Blitt and Gaines PC Dear CFPB, I am filing a formal complaint regarding the unethical and deceptive actions taken by XXXX XXXX XXXX and the third-party collection agency Blitt & Gaines PC , XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

Summary of the Issue : I originally had an auto loan account with XXXX XXXX XXXX, which was later charged off and is reflected as such on my credit report. 
XXXX XXXX XXXX then transferred or sold the account to Blitt & Gaines PC, who began contacting me as if they now owned the debt. 
I received a letter directly from XXXX XXXX XXXX stating they no longer own the debt and that I should contact Blitt & Gaines instead. 
However, Blitt & Gaines filed a lawsuit under XXXX XXXX Credits name, misrepresenting themselves as acting on behalf of the original creditor. 
I do not have a signed agreement or contract with Blitt & Gaines PC.

The legal action initiated by Blitt & Gaines under XXXX  name ultimately led to a bankruptcy filing that is now reflected on my credit report. 
This is deeply misleading, as the bankruptcy was not caused by XXXX, and XXXX was no longer the rightful owner of the debt when legal action was taken. 
Furthermore, I never gave permission for XXXX to share, sell, or transfer my personal data to any third party, which may constitute a violation of privacy and data protection laws.

Violations to Investigate : Misrepresentation and abuse of legal process by Blitt & Gaines PC, acting under XXXX XXXX XXXX name. 
Potential Fair Credit Reporting Act ( FCRA ) violations due to inaccurate and misleading reporting of a bankruptcy and charge-off. 
Potential Fair Debt Collection Practices Act ( FDCPA ) violations for pursuing a debt they do not rightfully own. 
Unauthorized sharing of personal and financial data without my consent, possibly violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$3700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$12000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX 2021

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