vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are three major credit bureaus, and all three of youse for they can tell are doing the exact same thing. Keep sending me forms to fill out and keep asking me to send copies of my drivers license or my passport and copies of my utility bills and Ive done all of these things multiple times over the years. Its always the exact same information. Its the exact same information thats on my credit file so I dont understand why you keep asking for this exact information over and over again Ive done my part, but youre not doing your part because Ive asked you over and over again to remove the security freezes to remove the fraud alerts. Its not helpful. It makes it virtually impossible to actually get legitimate credit. I want you to remove the credit freeze the fraud alerts I want you to remove all the statements I want you to do it right now. I am actually in the hospital have been for 15 days now and Im having to deal with this Because you wan na just keep asking for the exact same information over again if your system tells you that you need more proof that on me, why did you just look at your records? Youll see you already have copies of everything. Just remove the credit freezes remove the fraud alert remove any statements that are on there. Open up my credit report so that when I do actually apply for credit, I can get it. Thank you.

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 2025-05-01 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-01 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX on XXXX XXXX in XXXX XXXX, GA ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) as well as XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) has run my credit to over XXXX banks without my consent. This is illegal and an impractical use of my credit report. I have only allowed them to check with XXXX banks EACH. I have allowed XXXX to check with two and they have tremendously respected my request. Both of these companies assured me I wouldnt be run through more than one bank and has lied. I have made multiple attempts to get these inquiries removed from my credit report but these companies refuse to remove it. This is an abuse of my trust and my credit. 

The only authorized inquiries by these companies is : XXXX XXXX XXXX - XX/XX/year> and XX/XX/year>. 
XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX HYUNDAI - XX/XX/year> HYUNDAI MOTOR FINANCE - XX/XX/year> 2024

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 2025-05-01 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: NC

Complaint narrative:
I am a victim of a data breach and have confirmed that my personal information has been compromised. As a result, I have noticed unfamiliar accounts and/or activity on my credit reports with Equifax and Experian. 

I have filed an identity theft complaint with the Federal Trade Commission ( FTC ) and have submitted supporting documentation to each credit bureau. Despite this, the disputed information remains on my credit reports without validation or removal. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ), including verifying the accuracy of the information being reported and removing unverifiable accounts. 

Attached are copies of my FTC report and supporting documentation for your review. 

XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$8700.00} XXXX XXXX XXXXXXXX - {$6000.00} XXXX XXXX XXXX XXXX XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
XXXX is misreporting my account as charged off despite actively servicing the loan. 

XXXX XXXXXXXX XXXX reported to the credit bureaus that my auto loan was charged off in XXXX  2025 with a balance of {$9300.00}. However, I made a payment of {$1000.00} on XXXX XXXX, 2025through XXXX own payment portal ( XXXX  ) to bring the account current. This payment was accepted, and the balance was reduced accordingly. 

If this account were truly charged off, I would not still have access to the XXXX XXXX XXXX online portal. They would not allow me to make payments directly. The debt has not been sold to a third-party collector, and I have never received notification of transfer. 

Instead of correcting the charge-off status, XXXX merely reduced the reported balance to {$8200.00} and left the charged off tag in place. Thats inaccurate, misleading, and potentially a violation of the Fair Credit Reporting Act ( FCRA ). It also raises questions about XXXX accounting practiceskeeping the benefits of a charge-off for themselves while continuing to collect directly from me. 

I am also an active-duty service member, and this misreporting violates the protections afforded under the Servicemembers Civil Relief Act ( SCRA ), which exists to prevent exactly this kind of financial exploitation.

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 2025-05-01 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: FL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-01 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

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 XXXX XXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$210.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$71.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$820.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$380.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Management Named as XXXX XXXX this letter is to notify the Management named XXXX XXXX that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX and XX/XX/XXXX I demand under FCRA ; Section 604 1. Permissible purpose 2.My written authorization 3.proof that I personally initiated the inquiry Either provided me strict proof or delete the items immediately.if you don't delete the inquiry in 15 days U.S.C Section 623 you have 30 days to do a reasonable inquiry into this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-01 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Dispute of Late Payment Reporting Request for Investigation and Removal from Credit Report ( TransUnion ) To Whom It May Concern, I am filing a complaint against XXXX  XXXX XXXX XXXX XXXX regarding an incorrect XXXX late payment reported on my TransUnion credit report. This account ( Account No : XXXX ) is listed as having a late payment, but I do not believe this information is accurate, and I would like it removed from my credit report. 

Account Details : Account Name : XXXX  XXXX XXXX XXXX XXXX Account Type : Installment Account Account Status : Open Original Balance : {$1000.00} Late Payment : 60 days past due ( as of XX/XX/XXXX ) Past Due Amount : XXXX XXXX Monthly Payment : {$85.00} Issues : I believe the XXXX late payment reported on this account is inaccurate. I made my monthly payments diligently, and I do not recall a payment being 60 days past due as reported. 

The balance on the account was updated as {$81.00} in XX/XX/XXXX, which reflects a 92 % paid-off status, indicating I have been actively making payments. 

Request : I am requesting the removal of the XXXX late payment from my TransUnion credit report for the following reasons : The late payment is inaccurately reported and affects my credit score.

I have made consistent payments, and the account is nearing full repayment. 

I am requesting that XXXX  XXXX XXXX XXXX XXXX provide full validation and documentation proving this late payment if they claim it to be valid. 

I ask that TransUnion investigate this issue and remove any inaccurate information regarding the late payment. If XXXX  XXXX XXXX XXXX XXXX can not provide proof of this payment being late, I request immediate removal from my credit file. 
Please advise on the next steps or provide any documentation that may be needed for further verification.

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, [ Signature ] 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
A collections account appeared on my credit report in XX/XX/year> for {$2800.00}. I requested debt validation, contract agreement, forward flow agreement, and chain of assignment without any response. I was met with only disrespect and belittling from Jefferson XXXX XXXX XXXXXXXX. I do not have any contract with this company as they're not my original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-01 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX on XXXX XXXX in XXXX XXXX, GA ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) as well as XXXX Hyundai XXXX XXXX XXXX XXXX Hyundai ) on XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA, XXXX ) has run my credit to over XXXX banks without my consent. This is illegal and an impractical use of my credit report. I have only allowed them to check with two banks EACH. I have allowed XXXX to check with two and they have tremendously respected my request. Both of these companies assured me I wouldnt be run through more than one bank and has lied. I have made multiple attempts to get these inquiries removed from my credit report but these companies refuse to remove it. This is an abuse of my trust and my credit. 

The only authorized inquiries by these companies is : KIA MOTOR FINANCE - XX/XX/year> and XX/XX/year>. 
XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX  - XX/XX/year> HYUNDAI MOTOR FINANCE - XX/XX/year> 2024

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 2025-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Credit Collection Services is still reporting a collections debt on my credit report in the amount of {$120.00}. I recently found that this account was a result of identity theft and should have never been reported on my credit report. I filed an identity theft claim with the Federal Trade Commission stating that In XX/XX/XXXX, I received a phone call from a collections agency known as Credit Collection Services saying that they were a debt collector attempting to collect an insurance debt. I had no knowledge of this debt as I'd never purchased XXXX car insurance and my identity was stolen around this time. They continuously harassed me and told me they would ruin my credit unless I paid this debt. I have repeatedly asked them to remove this information was my credit report and they have refused to do so. They are still reporting this account this as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief