vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I am reporting a complaint against the Kia Finance Collections department for harassment. 

In the span of two weeks, from XX/XX/XXXX to XX/XX/XXXX, I have received 22 calls from Kia Finance. XX/XX/XXXX to XX/XX/XXXX is XXXX calls total. 
XX/XX/XXXX to XX/XX/XXXX is 9 calls total. 

On XX/XX/year>2025 at XXXX XXXX, I called Kia Finance to see what my options were so I do not fall too far back on my car payment, as I am currently unemployed. I was told I can not defer payments to the end of my loan due to not making 6 payments yet, and was asked how I would like to pay. I stated I was unable to at the time and was looking for other options. I also asked to speak with a supervisor, I was put on hold but never was able to speak to anyone. 

After XX/XX/XXXX, Kia Finance called me on XX/XX/XXXX at 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 2025-06-18 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: FL

Complaint narrative:
MULTIPLE ATTEMPTS MADE TO XXXX  XXXX FOR INCORRECTLY REPORTING MY XX/XX/year>XXXX XXXX PAYMENT XXXX OR MORE DAYS LATE. ALL PAYMENTS MADE WERE BEFORE XXXX  DAYS. REQUESTED PROOF AND EACH REQUEST WAS DENIED. SEE the ATTACHED LETTER, WHICH INCLUDES THE PAYMENTS MADE. NONE OF WHICH ARE XXXX OR MORE DAYS LATE. THIS INFORMATION IS DIRECTLY FROM THE XXXX  XXXX XXXX XXXX APPLICATION. 

ALSO, THIS PAYMENT WAS REPORTING " PAID ON TIME '', THEN IT WAS CHANGED TO " LATE '', THEN CHANGED AGAIN TO " PAID ON TIME '', THEN LATE AGAIN. SERIOUS FCRA VIOLATIONS SEE ATTACHED LETTER

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 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding multiple erroneous collections that Collection Management has placed on my credit reports. They are claiming that I owe several debts to Tennessee XXXX XXXX. I have never used any medical facilities associated with Tennessee XXXX XXXX and do not owe these debts. 

I mailed Collection Management requesting proper documentation showing ( 1 ) they are authorized to collect these debts and ( 2 ) that I received services from Tennessee XXXX XXXX and owe the amounts listed. Collection Management failed to provide any supporting documentation.

Additionally, Collection Management has placed seven separate collections on my credit profiles. The details are as follows : Account # XXXX {$1400.00} Account # XXXX {$1400.00} Account # XXXX {$790.00} Account # XXXX {$1400.00} Account # XXXX {$1400.00} Account # XXXX {$640.00} Account # XXXX {$790.00} I have made multiple attempts to resolve this issue directly with Collection Management, but each interaction has been frustrating and unhelpful. Their representatives have consistently demonstrated poor communication and a lack of willingness to assist in resolving this erroneous reporting.

I am demanding that Collection Management immediately remove all seven of these inaccurate collections from my credit profiles, as they are false debts that I do not owe. Their failure to verify these debts and refusal to correct their error is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am seeking the immediate and complete removal of these erroneous collections from all credit reporting agencies.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
My name is XXXX XXXX. I am a wife, XXXX  and XXXX XXXX XXXX XXXX  to XXXX children. I am being sued for medical bills. The debt being sought is tremendously inaccurate and illegal including fraudulent charges on the bill. There are numerous federal violations associated with these bills. There are also federal FDCPA and state violations regarding the interest being sought. 
Since the last hearing, I have made multiple attempts to understand, negotiate and rectify this debt but have no intelligent conversations with XXXXAmericollect. XXXXAmericollect has been deceptive, dismissive, flat out rude and provided me with misinformation. The burden of proof falls upon the plaintiff ( XXXX ) and XXXX has provided no evidence or explanation supporting their claims other than a bill riddled with errors. Furthermore, my medical records support my assertations. 
Not only are there fraudulent charges, including a duplicate charge, on this bill, there are charges for an unnecessary procedure that was performed without my knowledge or consent and an unnecessary procedure I declined ( multiple ) times that was forced onto me without any discussion of the procedure, materials or necessity of the test and without signing an additional consent form ( even though it involved ingesting and injecting dyes ). These are violations of numerous federal and state codes as well as XXXX own agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX XXXX  Date : XXXX/XXXX/24

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 2025-06-18 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: AK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AK XXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
In XXXX and XXXX of 2025, two late payments were reported on my student loan serviced by Aidvantage. However, at the time, Aidvantage had incorrect contact information on file - both my email address and mailing address were outdated or wrong. As a result, I never received any notifications, bills, or correspondence indicating a payment was due. 

XXXX became aware of the loan in XX/XX/ 2025, I immediately took action and have made every payment on time since then. I contacted Aidvantage and explained that the missed payments were due to their failure to notify because of the incorrect contact information. Despite this, they declined my request to remove the late payments, state the reporting was accurate. 

While the reporting may reflect missed payments, I believe this is a result of a servicing error - not intentional neglect on my part. The miscommunication prevented me from fulfilling my obligation in good faith. I am requesting that the late payments be removed from my credit report as a goodwill adjustment due to the circumstances and my consistent payment history since.

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
2. Discover Card Account Ending XXXX I am filing this complaint regarding an account reported by Discover through XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The payment history shows gaps and inconsistencies. I formally disputed the account under FCRA 609 and 611 and requested original documentation.

No adequate verification has been returned.

I request the CFPB require the deletion of this tradeline if Discover and XXXX  can not produce complete, verifiable records under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2018, Balance : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Dear CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 

In light of these regulations, I must highlight that XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX/XXXX/2025

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 2025-06-18 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: LA

Complaint narrative:
Dear CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 

In light of these regulations, I must highlight that XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/ 2025, American Express abruptly closed several of my credit card accounts without providing any prior notice, explanation, or opportunity for resolution. These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have always used these cards responsibly, made regular payments on time, and never violated any terms of service. There were no indications of any issues with my accounts. 

As a result of these unexpected closures, I lost all Membership Rewards points and gift cards associated with these accounts. These rewards were earned through legitimate use and have substantial value. My credit scores are also impacted by these account closures. In addition, I lost all the membership fees from these account closures. 

I am requesting that American Express explain the basis for these closures and restore my points and rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX INQUIRY, INQUIRY, INQUIRY XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose XXXX  of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IA

Complaint narrative:
Subject : Cash App is blocking access to my XXXX  after submitting verified tax info What happened : I sent {$1700.00} worth of XXXX to a company through Cash App. That company is now returning the money to me in weekly XXXX payments ( around {$300.00} each ). However, I cant sell, withdraw, or access the XXXX because Cash App claims my tax information doesnt match IRS records. 

I have already completed and confirmed my XXXX tax information multiple times using the link Cash App provided. The site shows my information is confirmed. Despite this, the app still blocks me and keeps asking me to re-submit the same information. 

I contacted Cash App support under case number XXXX using my email XXXX. After repeating the process and following every step, they eventually told me I would have to wait up to XXXX days for a review. They also refused to escalate the issue, even after I asked. 

I am unable to access my own money, and more XXXX payments are scheduled to come in weekly. This situation is urgent and unfair. Im requesting that Cash App restore my ability to sell or withdraw XXXX immediately or provide an expedited review. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUN TS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief