vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/2025, XXXX opened case number XXXX for my brand-new vehicle, which already has a major defect ( timing belt/engine issue ). I was told I would be contacted within 48 hours. 

By XX/XX/2025, no one had contacted me, so I called again. I was told my case would be escalated and I would be contacted within another 48 hours. It has now been several days, and I still have not been contacted or assigned a case manager.

I purchased a brand-new vehicle and should not be dealing with used car problems such as engine failure. Driving this defective vehicle put me in a dangerous situation that could have cost me my life. Despite my repeated calls, XXXX has done nothing except tell me the case is escalated again and again.

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 2025-08-29 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-29 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: GA

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated
. 

XXXX XXXX- Account Number- XXXX XXXX XXXX- Account Number- 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 2025-08-29 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: GA

Complaint narrative:
I am filing this complaint regarding my XXXX Credit Card, issued by XXXX XXXX XXXX XXXX ( XXXX ). My account is currently showing XXXX late payments in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

These late payments occurred during a period of financial hardship. Since that time, I have brought my account current and have made consistent on-time payments. Despite my efforts to request a goodwill adjustment directly with XXXX, the late payment notations remain on my credit report. 

I am respectfully requesting that XXXX review my case and, as a gesture of goodwill, remove the XXXX late payment entries from my reports with Equifax, XXXX, and XXXX. This adjustment would more fairly reflect my current responsible use of credit and support my efforts to rebuild financial stability. 

Supporting documents are attached showing proof of account status and on-time payments since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/year>, I was scammed via a hacked XXXX account impersonating my friend. I transferred funds through Wise between XXXX XXXX  XXXX. At XXXX XXXX  XXXX XXXX realized it was fraud and immediately contacted Wise at XXXX XXXX  XXXX to cancel or dispute the transfer. Wise told me they needed 5 days to review instead of disputing immediately with the recipients bank. 

Between XXXX XXXX  XXXX, I also contacted the recipients bank directly, but they told me only the sending bank ( Wise ) could initiate a dispute. Wise failed to act, so as a last resort I contacted my U.SXXXX bank between XXXX XXXX  XXXX, and they were able to withhold the funds. 

On XX/XX/year>, Wise informed me they had already advanced the money to the recipient out of their own pocket and now demand that I repay them. From their response, it appears Wise never even attempted to dispute the transaction with the recipients bank, despite my timely complaint. 

This is unfair and negligent. Wise ignored my urgent request, failed to initiate a dispute, then unilaterally advanced the funds and is now holding me responsible. As a U.S.-registered money services business, Wise has obligations to protect consumers from fraud, not shift losses to victims. 

I have also filed reports with the FTC ( fraud report # XXXX, XX/XX/year>, XXXX XXXX  XXXX ) and XXXX XXXX XXXX XXXX ( report # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I issued you a formal cease-and-desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), instructing you to cease all communication with me regarding the alleged account XXXX Despite this clear directive, you have continued to engage in indirect communication by placing and/or updating negative information on my credit report. This is an unlawful attempt to use my credit report as a medium of communication, which violates both : FDCPA, 15 U.S.C. 1692c ( c ) Ceasing communication upon written request. FCRA, 15 U.S.C. 1681s-2 ( a ) Furnishing information you know or should know is inaccurate or being used for unlawful purposes. You are hereby demanded to immediately : Cease all direct and indirect communications, including credit reporting activity related to this disputed account. Remove all negative and disputed information from all consumer reporting agencies to which you have furnished it. Provide written confirmation that you have complied with this demand. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action for statutory, actual, and punitive damages under 15 U.S.C. 1681n, 1681o, and 1692k. You have 15 days from receipt of this letter to respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity 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 2025-08-29 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: LA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Failure to Validate - XXXX XXXX Account To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning Equifaxs inaccurate reporting and failure to properly validate my Mission Lane account.

This account is currently reported as a charge-off with ongoing monthly balances, which inaccurately suggests the account is still open. This representation is misleading and violates the Metro 2 reporting standards, which require accurate account status codes to reflect the true state of the account. Furthermore, the last payment date reported does not correspond with the actual payment history or schedule, further distorting the account information.

I previously disputed this inaccurate information with Equifax. Although Equifax claims to have conducted a reinvestigation, they failed to provide any documentation or evidence showing how the account was verified or validated by Mission Lane or any other source, as required under FCRA Section 611 ( 15 U.S.C. 1681i ). This failure to provide validation constitutes noncompliance with federal law.

Under FCRA Section 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ), furnishers and consumer reporting agencies must ensure the accuracy and completeness of all reported information and must fully investigate and verify disputed information. Equifaxs failure to produce evidence of validation means this inaccurate, misleading, and incomplete information continues to unlawfully harm my credit profile.

I hereby demand the immediate removal or correction of this account to accurately reflect its true status, supported by proper validation or verification documentation. Please provide a detailed explanation of the reinvestigation process, including all evidence used to validate this account, or remove the account from my credit report immediately.

Failure to comply with these requirements is a violation of the FCRA and subjects Equifax to legal liability.

Please acknowledge receipt of this complaint and provide a written response detailing your resolution plan within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Equifax Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

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

Please delete the following accounts : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXnquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXnquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
LVNV is furnishing false and misleading information about this account. They are reporting incorrect dates, balances, and claiming recent activity that never occurred. This is re-aging, which is illegal under the Fair Credit Reporting Act ( FCRA ). I have not made any recent payments on this account, yet they are reporting it as if I have, restarting the XXXX reporting period. I requested full validation of the debt, including the original creditor contract, complete payment history, and accurate reporting of dates, but they have not provided it. Instead, they continue to furnish unverifiable and inaccurate data to the credit bureaus, damaging my credit, causing financial harm, and preventing me from obtaining fair access to credit and housing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I just checked my credit report today and was shocked to find that inaccurate accounts are still showing up. I dont understand why they are there, and even after refreshing my browser, nothing changed. This has left me very upset, and I am urgently requesting that the documents I provided be carefully examined so this can be resolved once and for all.

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 2025-08-29 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: TX

Complaint narrative:
As required under USC 1681g, these erroneous accounts must be expunged within 15 days.

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