vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
What happened was that these inaccurate accounts, unauthorized inquiries, and incorrect personal informations are still on my credit report even though I have already submitted a dispute with the credit bureaus before. I am requesting for a thorough investigation on these items as this is deeply concerning and they have been affecting my credit worthiness. I have attached supporting documentation for your review. The inaccurate accounts appearing on my report are associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized inquiries that are on my credit report would be from 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 XXXXXXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Lastly , there are also some incorrect personal information which would be the employers and previous addresses listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Remove these inquiries I dont recognize Identity Theft and Errors on My Experian Report Dear Consumer Financial Protection Bureau ( CFPB ), Remove these credit inquiries from my Experian report because I dont recognize them. I didnt authorize them, I didnt apply for any credit with those companies, and they were added by mistake. I am a victim of identity theft, and someone else used my information without my permission. 

These inquiries are unfair and are hurting my credit and my peace of mind. Im asking for your help so Experian can delete them as soon as possible. 

Unauthorized inquiries Experian is reporting : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Laws being violated : 15 U.S.C. 1681b ( f ) : No one can access my credit report without my permission. 

15 U.S.C. 1681c-2 : Once I report identity theft and submit proof, Experian must block this information within 4 business days.

15 U.S.C. 1681a ( 4 ) : My private personal information can not be shared without my consent. 

Im including with this complaint : My FTC Identity Theft Report A copy of my ID A proof of address What Im asking for : That Experian removes those inquiries right away That they confirm these wont hurt my credit anymore That they explain why those inquiries were allowed without my permission Thank you for helping me fix these mistakes. This is affecting me a lot, and I just want my credit report to be clean 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 explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$39000.00}

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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchased a XXXX Hyundai XXXX XXXX XXXX ( VIN : XXXX ) from the previous owner on XX/XX/XXXX. A signed bill of sale and a notarized authorization letter confirming the sale were submitted to Hyundai Motor Finance ( HMF ), initially by my legal representative on XX/XX/XXXX. After my legal representation ended, I notified HMF in early XX/XX/XXXX and began handling all communication directly. 

Since then, I have uploaded all required documents ( bill of sale, authorization letter, my ID ) through their portal multiple times and emailed Hyundai Motor Finance and Hyundai Customer Care repeatedly. Ive made it clear that I am the rightful owner and that they must release the lien and allow me to legally register the vehicle. 

On XXXX XXXX XXXX, Hyundai Customer Care responded with a deflection email, telling me to contact Hyundai Motor Finance which I have already done for months. This kind of dismissive response ignores the steps Ive taken and does nothing to resolve the issue. At no point has anyone at Hyundai disputed the documentation or clearly explained why theyre refusing to release the lien.

This failure to act has severely impacted me. I accepted a job with my organization in XXXX XXXX, but I have not been able to leave the United States because I can not take the vehicle with me due to the unresolved title. Nor can I leave it behind legally without being able to register it in my name. Hyundais obstruction is interfering not only with my legal rights as the owner of the vehicle but also with my career and ability to relocate internationally. 

This situation is ongoing, and I am requesting that the Consumer Financial Protection Bureau step in to help resolve the matter.

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 2025-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found fraudulent information on my credit report and Equifax told me to send in another FTC report because the date was wrong. This does not make sense but I am sending another FTC report to bring this to their attention as this has been hurting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Complaint Title : Equifax Reporting Inaccurate XXXX Late Payment on Open Account What happened : I am submitting this complaint regarding Equifaxs inaccurate reporting of a XXXX late payment on my credit report for an installment account that is currently open and in good standing. 

As shown in the attached screenshot ( " XXXX XXXX at XXXXXXXX XXXX.png '' ), Equifax is reporting a XXXX delinquency for XX/XX/XXXX. This is incorrect for the following reasons : The account is open, not closed. 

The account has been in good standing for years, with no missed payments. 

All payments prior to and after XX/XX/XXXX are marked as on time. 

There is no history of a XXXX or XXXX delinquency reported before XX/XX/XXXX, which makes a XXXX mark inconsistent with normal credit reporting logic. 

This false derogatory mark has likely impacted my credit score and XXXX affect my ability to obtain credit, insurance, or employment. 

Steps taken : I have reviewed my other credit reports, and none of them show this inaccurate late payment. 

I contacted Equifax, but have not yet received a resolution. 

Why this matters : In XX/XX/XXXX, the CFPB fined Equifax {$3.00} XXXX for failing to investigate consumer disputes and for reporting incorrect information. This demonstrates a pattern of negligence by Equifax regarding consumer data accuracy, which I believe is reflected again in my case. 

( CFPB XXXX : CFPB XXXX Equifax to Pay {$3.00} XXXX for Failing to Investigate Consumer Disputes XX/XX/XXXX ) What I want : Immediate removal of the inaccurate XXXX late payment from my Equifax credit XXXX. 

A reinvestigation into the accuracy of the accounts reporting. 

Written confirmation once the issue has been corrected. 

Attachment : XXXX showing Equifax reporting a XXXX late payment in XX/XX/XXXX on an account that is open and otherwise in good standing.

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 2025-07-24 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:
Dispute Statement for XXXX  ( XXXX ) I am disputing this account because I believe it was opened in error or is being misattributed to me. I do not recognize this loan, and I never applied for or used any services from XXXX. It may belong to my father, who shares the same name. Please investigate and remove this from my report if it is not verifiable as mine.

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 2025-07-24 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: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding / Resurgent Capital is furnishing a tradeline related to an account originally opened with XXXX That debt was reduced to final judgment in XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) on XX/XX/XXXX, yet LVNV continues to report it as an open collection with a balance of {$1400.00} and interest still accruing. 

This violates FCRA 1681e ( b ), as it misrepresents the legal status of a post-judgment debt. I filed a prior CFPB complaint on XX/XX/XXXX. On XX/XX/XXXX, Resurgent responded but failed to provide any of the required disclosures under FCRA 1681g ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ) including the method of verification, original contract, and chain of assignment. 

XXXX XXXX also requires suppression of collection coding once a judgment is entered ( see XXXX, Exhibit XXXX ). Their continued reporting is both inaccurate and noncompliant. 

I request deletion of the tradeline, correction of all inaccurate data, and full compliance with FCRA and XXXX XXXX reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-24 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9900.00}

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 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am filing this complaint to dispute two incorrect late payments that are being reported on my credit report for the XXXX XXXX  account ( # XXXXXXXX XXXX XXXX XXXX XXXX ). 

The credit bureaus Experian, Equifax, and TransUnion are showing late payment marks for XX/XX/year> and XX/XX/year>, but these are completely inaccurate. 

I have never been late on this account and have always paid on time. These late marks are likely due to a technical or reporting error. 

I am requesting that the bureaus and the furnisher ( XXXX ) investigate and correct this reporting, and that the payment history for these months be updated to show a " paid on time '' status.

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 2025-07-24 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$39000.00} INQUIRIES : XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX XXXX  Date : 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 2025-07-24 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

RESOLUTION :

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