vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
After numerous attempts to the company to correct all the incorrect information to include but not limited to incorrect names and dates, ammouts owed, charge-off dates and amounts, and numerous other incorrect information there sham reviews and inaccurate information still being reported inaccurately to the credit reporting agencies. After reporting the information that is incorrect to the company and the credit reporting agencies and receiving the same sham investigations by both the company and the reporting agencies showing more of the same inacute information instead of the correct and complete information reporting back correctly its reporting back verified with the wrong information over and over again due to sham investigations on the credit reporting agencies part and the complete lack of the companyto follow CFPB regulations. Both the company and the reporting agencies are not following CFPB laws by reporting inaccurate and incomplete information which after numerous attempts to correct are by CFPB regulations violating my consumer rights and I will be pursuing legal action if this information is not corrected properly. CFPB regulations state that the information must be reported fair, accurate, and complete but after numerous violations of this the company and the reporting agencies with there sham investigations keep violating my consumer credit rights. This information should be correct, accurate, and complete or be removed from all credit reporting agencies immediately before. I am being forced to peruse legal action due to the blatant violations to CFPB regulations by both the companyandthereportingagencies. All I have been requesting is that the information be corrected or now be removed since the company and the reporting agencies can not or will not follow CFPB regulations this shows how they just don't care about reporting the correct information and continue to violate the fair credit reporting act, along with other numerous violations of the CFPB regulations. Please remove the information from my credit report immediately.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and capable of verification. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
b"Cashnet USA has send a debt to a law firm that is calling around to all my family members. I had this debt in XXXX I lost my job In XXXX XXXX and was out of work until XXXX XXXX This is debt is predatory lending for one and they are now having this law firm threaten me for wage garish here in SC. I didn't get that much from them, and they are trying to get me to pay them XXXX XXXX XXXX if they take it to court. This amount is not near what I borrowed this is a scam and rip off. This isn't right I was already in a hardship unemployment last year mos. and this year 3 months I just started back working XXXX. I can not afford it or the harassment.  I haven't heard anything about this loan since before I was laid off no other collection process from themXXXX XXXX XXXX called around today to 6 people. there number is XXXX XXXX and case number XXXX  They want XXXX a month that I cant afford and threating to garish wages and breach of contract all kinds of harassing things. Need to stop harassing me about old debt especially when they scammed me with that interest rate. I didn't get any communication since before now and calling around to every family member trying to locate someone is ludcious."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains collection accounts that I believe may include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting that these accounts be reviewed, and if they can not be verified as accurate, they should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My XXXX XXXX credit score has dropped over XXXX points in the last couple months and I can see no reason for this. There are no new accounts, no late payments and no dramatic increase or decrease in balance with the exception of making a purchase and paying it off within 30 days for a Kohls charge and XXXX XXXX for airline tickets. Can I please get an explanation of why my credit score has decreased?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-01 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: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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 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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe may include incorrect details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit file. I am requesting a review of these accounts, and if they can not be verified for accuracy, I request their removal.

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 2025-10-01 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Between XXXX and XX/XX/year>, I made XXXX payments totaling {$10000.00} USD to a company calling itself XXXX XXXX XXXX, which claimed to offer XXXXXXXX XXXX XXXX including eligibility assessment, application preparation, and visa processing. 

Transaction Summary : XX/XX/year> {$1800.00} XX/XX/year> {$3400.00} XX/XX/year> {$2300.00} XX/XX/year> {$2300.00} I was told I had qualified for immigration and was pressured to pay quickly in order to proceed through a three-phase process. However, the charges were not processed under the name XXXX XXXX XXXX. Instead, they were routed through unrelated third-party companies, including XXXX XXXX XXXXXXXX, XXXX I had no prior knowledge of, no interaction with, and did not authorize to charge my card. 

The company later falsely claimed that I had authorized these charges. I now believe this was done deliberately to disguise the true origin of the charges and obstruct any attempt to dispute or recover the funds. 

Despite paying the full amount, I received no services, no official documents, and no confirmation that any immigration application was ever submitted. All communication has since ceased. I can not reach the company by phone, and they no longer respond in any way. Their website is now non-functional and returns errors, offering no way to contact them. This has become a one-way interaction with no accountability. 

In addition, XXXX of the charges was processed under the name XXXX, and the phone number listed on my billing statement ( XXXX ) connects to a medical device company which has no relation to immigration services. I never authorized any transaction with that business, further confirming that my payment was intentionally routed through unrelated or possibly fraudulent entities to conceal the nature of the scam. 

This coordinated use of deceptive billing practices, non-delivery of services, and lack of contact demonstrates that this is a deliberate and organized scam operation. I was misled, charged without informed consent, and received nothing in return. 

I am requesting a full refund of {$10000.00} USD and a formal investigation into the actions of XXXX XXXX XXXX and the associated third-party processors involved.

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 2025-10-01 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: MI

Complaint narrative:
Formal Dispute of Inaccurate Account Reporting Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading account information being reported on my credit file by XXXX XXXX, currently listed as a mortgage account. This information is factually incorrect, unverifiable, and must be removed immediately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The issues are as follows : 1. The account is being inaccurately reported as a mortgage, which is categorically false. This account was never a mortgage loan. Misclassification of an account type materially misrepresents my credit history and constitutes inaccurate reporting.

2. The company has failed to provide proper validation of this debt. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency must conduct a reasonable investigation. Simply marking the item as verified without documented proof from the furnisher does not satisfy this legal requirement. 
XXXX. XXXX XXXX is reporting derogatory information that is not supported by a legally enforceable obligation. If they can not provide a complete payment history, contract, and proof that I am responsible for this debt as reported, the entry must be deleted. 

Accordingly, I demand that this account be deleted from my credit report immediately. If XXXX can not fully validate and provide documented evidence that this account is being reported accurately and in compliance with the FCRA, it can not remain on my file. 

Please provide me with written confirmation of deletion. Failure to remove inaccurate information after proper dispute will be considered willful noncompliance with the FCRA and may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action to enforce my rights.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

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 2025-10-01 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief