vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before 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 non-monetary relief
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the TransUnion data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit 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 non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
In accordance when the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) ( XXXX ) ( Original Creditor XXXX XXXX XXXX XXXX  ) has violated my right. 15 U.S. C 1681 section 602 A. establishes the foundation for fair and accurate credit reporting practices. This section highlights the need for fair and accurate credit reporting to ensure the efficiency of the banking system and maintain public confidence. It also outlines the importance of credit reporting agencies exercising their responsibilities with fairness, impartiality, and respect for consumer privacy. 15 US.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
They took out 2 payments. One payment of {$540.00} and another payment of {$810.00}. Totalling the amount to {$1300.00} The amount of {$540.00} was taken out on XX/XX/year>. The amount of {$810.00} was taken out on XX/XX/year>. Both {$540.00} and {$810.00} were allegedly returned on XX/XX/year>. 
On XX/XX/year> I received a call saying that I hadn't paid my car loan bill yet. So I called them at XXXX XXXX XXXX XXXX to get things cleared up. The call lasted about 30 minutes with the resolution that I needed to FAX ( who uses fax anymore ) a statement of my bank account to prove that I didn't receive the return. 

On XX/XX/year> I drove to my bank, a XXXX XXXX XXXX, to ask if there is anything on their end that they could do. They printed out my most recent transactions and told me I needed to contact the car loan bank and get it straightened out right away. I called the car loan bank same day at XXXX. That call lasted XXXX minutes. This is where I find out that they took the first payment out ( {$540.00} I didn't originally know about ). The operator on the phone made me look on my app and read to him what I saw. Which was that both amounts had been taken out and supposedly returned. He told me the same thing the first operator told me, I needed to FAX them my bank statement and then call them back. I went to the nearest fax machine and fixed them the statement I had with me, called them back and they had closed all offices at that point. 

Today, XX/XX/year>, I called them back, like they told me to do. I called them at XXXX. That call lasted 1 hour and 4 minutes. They made me go through the whole process like before, except they couldn't find my fax. Eventually they let me docusign and upload a picture of my statement without ever needing a fax. Which is a whole other thing I am mad about. The operator then looks at the statement, where there is a CLEAR image of my transactions. Both amounts had been taken out of my account, but never returned. He can clearly see this. It's the same name with 2 different amounts. He tells me he can refund me the {$810.00} but not the {$540.00} because he doesn't see that it on his end as being a complete transaction. Which is weird, since the operator on XX/XX/XXXX said he could. The last operator refused to refund me that amount. 

This has caused me nothing but anger and stress. {$1300.00} might not be a lot to some people, but that is my money that they basically stole and are refusing to give a full amount back. 

The first operator had me agree to a forgiveness plan so that I wasn't behind on my payments anymore. Which takes my car loan and extends it for 1 month adding the debt to the end of my loan cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
For the past XXXX months, I have contacted XXXX XXXX several times at their official phone number XXXX. In XXXX and XX/XX/2025, I was told that my XXXX payment schedule was already closed and that I did not need to make any payment for XXXX. 
However, in XXXX and XXXX, I called the same number again, and other representatives told me that the XXXX payment schedule was not closed. 
This conflicting and inconsistent information is unacceptable. I am filing this complaint to request a clear and official written answer from XXXX XXXX : Was the XX/XX/2025 payment schedule closed or not? 
I ask CFPB to require XXXX XXXX to provide a final answer and resolve this contradiction.

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 2025-06-12 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: TX

Complaint narrative:
Im writing to bring to your attention a serious and time-sensitive issue regarding inaccurate information that is currently being reported on my credit file. Let me be very direct this error is unacceptable, and Im demanding immediate action to correct it.

There is an account/inquiry/tradeline listed on my report that is factually incorrect and should never have been associated with me in the first place. Whether this is due to identity theft, a clerical mistake, a system glitch, or negligent reporting by a third party, I honestly dont care the bottom line is : it's wrong, and its hurting me. 

This kind of inaccuracy impacts my creditworthiness, my ability to make financial decisions, and my peace of mind. And I refuse to let it slide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
[ XX/XX/2025 ] [ CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

Thave never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I was targeted by a XXXX XXXX XXXX XXXX program after filing XXXX XXXX bankruptcy. I purchased a vehicle from XXXX XXXX in XXXX, Kentucky, which was financed through Consumer Portfolio Services ( CPS ).

I was told by the dealership that I would not need to bring any money to complete the purchase before I drove 3 hours to their lot. When I arrived, I was unexpectedly pressured into putting down {$200.00} toward a down payment funds that were originally meant for another bill. I never intended to pay anything that day and was misled. I was then told that a payment plan would be set up for the remaining balance, which I did not fully understand at the time. 

My signed loan agreement with CPS falsely reflects that I paid {$1600.00} in cash as a down payment. I only paid {$200.00}, and the dealership created a side payment agreement that was not disclosed to CPS. I was instructed by the salesperson ( XXXX XXXX ) to lie during the CPS welcome call and state that I had paid the full {$1600.00} in cash.

I was later harassed with phone calls from XXXX XXXX, even on weekends, threatening to send me to their lawyers if I didnt complete the rest of the unofficial payment plan. This pressure continued even after I had already received my registration and tags from the XXXX XXXX XXXX without paying the remaining amount proving that the dealerships threat was false.

Additionally, my CPS loan includes over {$3000.00} in inflated fees, including {$790.00} for GAP insurance and {$2300.00} for a service contract, neither of which were clearly disclosed or explained.

I have formally disputed this loan with CPS in writing and requested a full review, loan cancellation or correction, refund of padded fees, and immediate halt to all collections and credit reporting during the investigation. I am also filing complaints with the Tennessee and Kentucky Attorneys General, and the FTC.

This loan was originated under false pretenses and involved predatory dealer behavior. I am requesting that the loan be reviewed and corrected or canceled entirely based on misrepresentation, fee padding, and deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
This company has already Taken this tradeline off my credit reports admitting FRAUD however they are withholding my title my payments and downpayments and have illegally been involved with pooling asset backed securities on a fraudulent transaction and selling them to investors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 2025-06-12 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-12 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
All three major credit reporting agenciesEquifax, Experian, and XXXXare currently reporting a charge-off account associated with XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/year>, with a charged-off balance of {$25000.00}. I dispute the accuracy, completeness, and legal verifiability of this account as it is currently reported. 

To date, I have not received any original documentation that establishes a clear and verifiable basis for this charge-off. I have not been provided with a signed contract, a complete payment history, or a charge-off statement substantiating how the {$25000.00} figure was calculated or validated. Without such foundational evidence, the presence of this entry on all three of my credit reports is both harmful and unjustified. It reflects a derogatory status tied to a large balance that, absent proper verification, may be the result of misattributed debt, reporting error, or a failure by the data furnisher to comply with federal requirements for furnishing accurate credit information.

Equifax, XXXX XXXX XXXX are all subject to the provisions of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), they are obligated to maintain procedures that ensure the maximum possible accuracy of the information included in a consumers file. Once a consumer initiates a dispute, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable reinvestigation. If the disputed information can not be verified, corrected, or documented with evidence, then it must be promptly deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

The continued reporting of this XXXX XXXX XXXX charge-offespecially with such a significant balance and without documented verificationconstitutes a violation of these statutory obligations. This entry misrepresents my financial standing and creditworthiness and creates substantial and unjust damage to my credit profile across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I notified TransUnion about the hard inquiries that I found on my credit report to be removed they refused to remove the first one XXXX XXXX XXXX hotel and travel ) on XX/XX/year>, XXXX 's ( hotel and travel ) XX/XX/year>, XXXX XXXXXXXX XXXX XX/XX/year> these inquiries I wanted removed they violated my rights based on 1601- AB 1602 - AB. I am writing this complaint to you for assistance as a US citizen on things I did not do.

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