vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am disputing the XXXX due 30 days that was reported for XX/XX/XXXX to all three credit bureaus by XXXX XXXX XXXX XXXX for my XXXX car lease payments. This is an error. It has caused me great harm, causing my credit score with all three bureaus to drop approximately XXXX points. 

If you see the attached lease agreement, youll see that I owe {$180.00} monthly on my lease. After I leased the vehicle in XXXX, I set up automatic payments for {$180.00} and those payments were consistently initiated on the XXXX of every month from XX/XX/XXXX through today. My attached brokerage statements show {$180.00} coming out of my XXXX brokerage account every month to pay " XXXX '' ( XXXX XXXX XXXX ). Ive also attached the confirmation emails from XXXX showing these payments being paid every month without exception. None of these lease payments were past due 30 days. 

Separately from my lease payments, XXXX charged me a property tax amount of {$170.00} on my vehicle this year. I disputed this amount with XXXX and asked for proof that a taxing entity charged XXXX this amount on my vehicle. After waiting for weeks for a resolution and proof from XXXX, I went ahead and made the {$170.00} property tax payment before hearing from XXXX to avoid further escalation. I've attached an email from XXXX communicating a due date of XX/XX/XXXX for the {$170.00} property tax payment, and I made the payment on XX/XX/XXXX. So the payment was made well within 30 days of the due date XXXX communicated to me. 

In conclusion, none of my XXXX payments should have been reported as XXXX  days late. My lease payments through today have all been consistently made on time on the XXXX of each month by automatic payment, and the property tax bill they sent me was paid within 18 days of the due date.

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 2025-10-13 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: FL

Complaint narrative:
XXXX ) Central Portfolio Paragon Contracting Acct [ XXXX ] Subject : Demand for Independent Reinvestigation XXXX XXXX Acct [ XXXX ] EX reports Collection Installment, Status : Open, XXXX XXXX XXXX Placed for collection, while TU shows Installment/Closed with XXXX XXXX. Violations : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ) ; XXXX XXXX XXXX XXXX. 
XXXX XXXX corrections : Portfolio/Type ( Collection ), Status, XXXX XXXX XXXXXXXX XXXX XXXX {$1500.00} with Past Due {$0.00} ), Special Comment, XXXX name. 
Demands : Running ledger ; all months disputed ; codes proof ; correct or delete under XXXX ( a ) ( XXXX ) ( A ) ; XXXX requires more than parroting XXXX codes. 
Enclosures + signature block. 
XXXX ) XXXX XXXX XXXX XXXX Acct [ XXXX ] Subject : XXXX & Deletion if Unverified XXXX XXXX XXXX Acct [ XXXX ] EX shows Open Collection, XXXX XXXX XXXX Placed for collection, conflicting with XXXX Installment/Closed and earlier DLA. Not XXXX ( b ) compliant. 
XXXX XXXX : Fix Portfolio/Type, Status, XXXX XXXX XXXXXXXX XXXX XXXX Comment, XXXX name. 
Demands : XXXX ; all months disputed ; codes proof ; correct or delete ( XXXX ( a ) ( XXXX ) ( A ) ; XXXX ). 
Enclosures. 
XXXX ) XXXX XXXX XXXX Acct [ XXXX ] Subject : Improper Collection Coding & Conflicts XXXX XXXX Credit XXXX ), Acct [ XXXX ] EX shows Open/Collection, Past Due {$880.00}, XXXX XXXX XXXX and ( improperly ) late-count PHP on a collection XXXX This conflicts with XXXX and XXXX XXXX ( b ), XXXX XXXX XXXX XXXX XXXX FDCPA 807 applies. 
XXXX XXXX : XXXX XXXX segment ; remove late-grid ; reconcile XXXX vs XXXX ; fix DOFD/DLA ; retain XXXX name. 
Demand : XXXX ; all months disputed ; codes proof ; correct or delete per 611 ( a ) ( 5 ) ( A ) and XXXX. 
Enclosures.

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 2025-10-13 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-13 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : TBOM/FORTIVA - 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 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 2025-10-13 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: NC

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

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 2025-10-13 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XX/XX/XXXX. 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
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the XXXX XXXX XXXX XXXX and mixed file reporting. The enclosed credit report ( Ref # XXXX, dated XX/XX/XXXX ) contains multiple items that do not belong to me. This includes incorrect names, false addresses, and fraudulent accounts. 
Pursuant to FCRA 605B ( a ), you are required to block and remove all information resulting from identity theft within XXXX business days of receiving this notice. Incorrect Personal Info : Names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX variations ( XXXX, XXXX, XXXX ) Employers : GOVERNMENT ASSISTANCE, HOUSEWIFE, XXXX, XXXX XXXX Fraudulent Addresses : My correct and only address is XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Fraudulent Accounts : XXXX  / XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX {$590.00} CEASE & DESIST DEMAND Under FDCPA 805 ( c ), you and any third-party collection agencies ( listed below ) are hereby ordered to cease all communication with me except written confirmation that these accounts have been permanently deleted and collection ceased. 
Source XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 616 617, continued reporting or failure to correct these inaccuracies after receiving this dispute will constitute willful noncompliance, entitling me to statutory, actual, and punitive damages. 
You are also required under Metro 2 Compliance Guidelines ( Section 2.1 & 2.2 ) to report only accounts that are verified and belong to the correct consumer. 
Failure to comply within 30 days will result in a formal complaint to the CFPB, FTC, State Attorney General, and private civil action for violations of the FCRA, FDCPA, and CFPB Regulation V. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating several accounts listed on my credit report. Upon review, I noticed that some of the information appears to be outdated or inaccurate, and I would like my report to accurately reflect my current financial 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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint because Midland Credit Management is reporting a collection account for {$610.00} that is inaccurate and unverifiable. I previously disputed this account with XXXX  in XX/XX/year>, and the credit bureau verified it without providing any documentation of validation from Midland.

Midland has failed to provide proof that I owe this debt, such as a signed agreement, full payment history, or original creditor information, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA 609 and 611 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : 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 2025-10-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Im filing this complaint because Chime refused to honor a referral bonus that was clearly advertised as Send your link once your friend receives a qualifying direct deposit of {$200.00} or more, you both get {$100.00}.

I referred a family member using my Chime referral link. They activated their Chime card and received their first direct deposit of {$710.00}, which meets and exceeds the {$200.00} qualifying requirement.

The problem arose because their employer mistakenly mailed their first paycheck instead of processing it as a direct deposit. We returned the check and successfully set up direct deposit, which went through correctly and should have qualified for the referral.

Chime later denied the bonus, citing a 45-day condition that was not clearly disclosed in the app or visible in the referral offer at the time it was sent. That condition only appears later in small-print legal text, which was not obvious to users.

I contacted Chime support multiple times, and the response was dismissive and unhelpful. The representative showed no concern when I mentioned I might close my account over this issue. 
I have been a loyal Chime customer with regular direct deposits for over two years. I believe I acted in good faith, followed the advertised steps, and that Chimes refusal to honor the offer constitutes deceptive or misleading marketing under the CFPBs standards. 

I am requesting that Chime : XXXX Review this case and issue the {$100.00} referral bonus owed to me. 
XXXX. Clarify and make visible all terms of their referral promotions going forward. 

I have screenshots and transaction proof available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of XXXX I submitted an identity-theft documentation package ( FTC Identity Theft Report, ID, proof of address, and supporting evidence ) under 15 U.S.C. 1681c-2.

XXXX XXXX XXXX XXXX deleted all disputed accounts using this same documentation. Experian acknowledged in writing that it appears you may be a victim of identity theft, yet failed to delete or block XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX .

This omission violates FCRA 1681c-2 ( a ) ( c ) and 611 ( a ). I am requesting that Experian immediately delete or block the same accounts to mirror XXXX  corrections and provide written confirmation within 15 days.

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