vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
CAVALRY PORTFOLIO SERVICES Last reported XX/XX/XXXX {$3000.00} Open balance CAVALRY PORTFOLIO SERVICES Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) (???? I did not open this account ) Account status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NC

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 2025-03-06 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:
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 non-monetary relief
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVEREAL ACCOUNTS THAT WERE OPENED AS A RESULTS OF IDENITY THEFT.

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 2025-03-06 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: IN

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
Attention care department P.O XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Outstanding Balance on Loan GAP Insurance Coverage To Whom It May Concern, I am writing to formally dispute the outstanding balance on my auto loan for my XXXX XXXX XXXX, which was totaled in an accident caused by another driver. My vehicle had Guaranteed XXXX XXXX ( XXXX ) insurance coverage, which should have fully covered the remaining balance after my primary auto insurance payout. 

Details of the Loss and Payment Submission Vehicle : XXXX XXXX XXXX Loan Account Number : XXXX Accident Date : XX/XX/XXXX Insurance Settlement Paid : {$39000.00} Remaining Loan Balance : {$7000.00} ( covered by GAP ) GAP Coverage Provider : [ Kias GAP program or Third-Party GAP Provider ] Documents Submitted : Letter of Total Loss, Insurance Payment Proof, GAP Policy Despite submitting all required documentation and proof of total loss, XXXX has failed to honor the GAP coverage, leaving a balance that should have been cleared. Instead of resolving the matter appropriately, I have been informed that the loan was sold to a debt collection agency, which is unacceptable given that the XXXX policy explicitly covers the remaining balance. 

Request for Immediate Resolution I am formally requesting : The loan balance should be immediately closed, as the XXXX policy should have covered the remaining debt. 
Correction of any negative credit reporting associated with this issue. 
I am confirming in writing that the account has been resolved and that I no longer owe any balance. 
If XXXX has already sold this debt to a collection agency, I demand that the account be recalled and rectified per XXXX coverage guidelines. 
If this matter is not resolved within XXXX  days, I will be forced to escalate this dispute by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). 
Contacting my state attorney generals office regarding potential consumer protection violations. 
Seeking legal counsel for potential claims under Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) if this negatively impacts my credit. 
I expect a prompt response confirming that this issue has been resolved. Please direct all correspondence to the email above or 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 2025-03-06 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: OH

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. I have contacted TransUnion a number of times regarding inaccuracies of accounts and addresses to removed and deleted from my credit report. These accounts are showing inaccurate late payments and are in violation of my rights under the Fair Credit Reporting Act. 
I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the XXXX XXXX XXXX against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act TransUnion has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' XXXX # XXXX Please verify this account. 


LVNV FUNDING # XXXX Please verify this account. 





XXXX XXXX # XXXX Please verify this account. 





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 non-monetary relief
Consumer complaint received 2025-03-06 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:
Transunion Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
" 15 U.S.C. 1681s-2 ( a ) requires businesses that provide information to credit reporting agencies to ensure the accuracy of the information they report, correct any inaccuracies, and notify credit agencies when information is disputed and found to be incorrect. ''

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 2025-03-06 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: FL

Complaint narrative:
" 15 U.S.C. 1681s-2 ( a ) requires businesses that provide information to credit reporting agencies to ensure the accuracy of the information they report, correct any inaccuracies, and notify credit agencies when information is disputed and found to be incorrect. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-06 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$37000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX CARD Date Opened XX/XX/XXXX Balance {$8700.00} XXXX XXXX XXXX. 
Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$18000.00} **inquires** XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am reaching out to address multiple issues with my credit report, including incorrect account information, inaccurate and incomplete accounts, an unfamiliar collection, and billing discrepancies. Your assistance in resolving these matters is crucial to protecting my financial stability.

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 2025-03-06 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: PA

Complaint narrative:
I am reaching out to address multiple issues with my credit report, including incorrect account information, inaccurate and incomplete accounts, an unfamiliar collection, and billing discrepancies. Your assistance in resolving these matters is crucial to protecting my financial stability.

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 2025-03-06 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: FL

Complaint narrative:
I recognized a large amount of fraudulent hard inquiries on my report today XX/XX/year> and this situation keeps happening ; I need to find a solution as soon as possible because this situation is affecting my reputation tremendously.

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 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
I can no longer afford this vehicle and reached out to this company to let them know and I was willing to pay the balance after it was sold to auction I requested for surrender papers and I never received them after numerous calls and text and still no reply or given the correct documentation I am the primary holder of this vehicle yesterday I received a call that I recorded and ask how are they picking up the vehicle without the proper documentation saying I surrender the lady responded that everything was ok for the surrender with out the paper work and they will be back in touch with me after a month only to find out that they repossessed the vehicle and claim I never provided them paper work to surrender my apr rates has changed month to month I put in XXXX on this car and it only shows I paid a little over XXXX this place does illegal activity and it will hurt my credit they dont follow the XXXX rule they reach out to everyday all day my phone email and rec messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
I left a message with the debt collector and have not had a return call. The debt is from a XXXX business that was bought out by another XXXX. We never received notice about the initial debt. Also, why wouldn't the debt be transferred to the new company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
REMOVE THESE HARD INQUIRIES : XXXX  XXXX XXXX, XXXX, XXXX. I did not apply for credit with these companies, nor did I provide authorization for them to access my credit file. Under the FCRA, hard inquiries require consumer consent. Since I did not grant such consent, these inquiries are unauthorized and should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief