vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent account that do not belong to me and continue to report unverifiable information.

This conduct is in direct violation of federal law and my consumer rights. The account listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

This account is fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove this account immediately, and provide supporting verification if you continue to report them : 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 2025-05-22 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX  - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX 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 2025-05-22 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX XXXX EXPERIAN XXXX 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. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud as well as A POLICE REPORT provided to me by my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I received an email from TransUnion stating that my most recent dispute results were ready to review, but when I tried to review them on the TransUnion Website, there was no record of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$520.00} XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXXXXXX XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$100.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX {$450.00} XX/XX/XXXX XXXX XX/XX/XXXX -- {$17000.00XX/XX/XXXXXX/XX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00}XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$260.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$81.00} XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX {$1100.00} UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. This entry contains inaccurate payment history information that has negatively affected my credit profile. 

Upon my review, I found the following discrepancies : Payments reported as late were actually made on time, Date account opened does not match, High credit amount does not match, Credit limit and last reported is showing discrepancies as well. 

These inaccuracies violate the FCRA and have caused unfair damage to my credit standing. I am requesting that your agency conduct a reasonable reinvestigation of this information and, based on the lack of accuracy and compliance with FCRA standards, remove this charge-off from my credit report. 





Upon reviewing my Consumer Reports, i discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. If unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on time. as i have consistently upheld my payment obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am writing to express my serious concerns regarding several discrepancies I have discovered on my credit report. Upon reviewing it, I identified numerous inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I urgently seek your support in addressing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MT

Complaint narrative:
I applied for a HELOC from a local credit union. When they submitted the hard credit check on XX/XX/year>, the next morning at XXXX am sharp phone calls started. I answered XXXX. They were all mortgage brokers who spoke fast and tried to talk over me. All XXXX stated they called because my credit had been checked for a mortgage. I asked who gave them my credit information and phone number and they all said Experian. 
I rec 'd XXXX call 's yesterday and XXXX today. The ones I spoke to I told them my mortgage information was not there business, and not to call back. They did over and over. I have blocked all of the numbers. Experian giving out my phone number to people they have not background checked. None of these people 's identity or business is discoverable on XXXX. Experian gave out my phone number to scammers. I have put a security freeze on my Experian credit file. They have no phone # where you can talk to a person, but I will write a letter and let them know my displeasure with having my information given to scammers. Here are the phone numbers and times. As you can see this is harassment, it is disruptive, and it is upsetting to me having these unscrupulous people having my information. XXXX calls in 2 days. From unidentified people trying to talk over me and strong arm me over the phone because I am a single, older woman I would guess. 
I do not deserve this very upsetting harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I leased a Hyundai XXXX  XXXX  on XX/XX/XXXX, and contributed {$6000.00} of my own funds using an external XXXX  XXXX XXXX ( XXXX ) credit toward the down payment. Under Colorados EV tax credit program, I was entitled to receive the {$5000.00} state EV tax credit as a point-of-sale benefit or claim it on my taxes. 

However, in XX/XX/XXXX, when I attempted to claim the credit through the Colorado Department of Revenue, my application was rejected. I was informed that Hyundai Motor Finance had already claimed the credit in my name without my knowledge or consent.

I never signed Form DR 0168, which is required when a finance company claims the credit instead of the lessee. I have reviewed all documents I signed at lease inception and can confirm this form was not among them.

After contacting Hyundai Motor Finance, I was told that {$5300.00} had been deposited into my Hyundai account on XX/XX/XXXX, rather than refunded to me directly. This was done without notice or explanation. I spoke with a representative, XXXX XXXX, on XX/XX/XXXX, who confirmed the deposit but was unable to process a refund or explain next steps. 

Prior to that, I visited the dealership on XX/XX/XXXX, and spoke with the General Manager and sales staff, who admitted an error and promised to issue a check. I received no further contact, despite repeated follow-ups via text and phone over several weeks. I also left multiple voicemails with Hyundai Finance, which went unanswered. 

The failure to disclose the credit claim, the lack of required authorization, and the unwillingness to process a refund have caused me serious stress and concern. Additionally, I am worried that the {$5300.00} may be reported as income on a 1099-MISC, which could create unexpected tax liability.

I am requesting that Hyundai Motor Finance refund the {$5000.00} tax credit to me by check, as originally intended, and that they cease any claim to the credit in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
XXXX money flag my account 30 days late which is inaccurate i made XXXX payments in XXXX and a payment in XXXX according to FCRA you must report accurate information or will be taken to court for legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
There were multiple unauthorized transactions on my account. I believe that my account was compromised. Somebody stole multiple amounts from my CashApp totaling {$1600.00}. I asked CashApp to investigate and refund the money. I asked them what they had done to investigate and they refused to give me an answer. All they would say is to look at my email from them. The email gives almost no information and just says that my request was denied. I do not believe that they adequately investigated, or even investigated at all. And I do not believe that they blocked the individual who stole my money. I rely on cash app for my Social Security benefits, so I can not close my account. I did, however, change my password. There have been no further incidents since I changed my password. XXXX photos are attached showing the results of the investigation into the {$1600.00} that was scammed from me. Its visually and psychologically and legally disturbing how very little information they provided for me in these emails. All it says is dispute denied. And the representatives, utterly refuse to give me any further information in writing. I believe that this does not comply with the law.

Company response to consumer: Closed with explanation