vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
I am filing this complaint because several items on my credit reports are being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX Format Guidelines. 
I previously filed disputes for these accounts, but the credit bureaus and furnishers have failed to provide proper verification or proof of investigation within the required XXXX period under FCRA 611 [ 15 U.S.C. 1681i ( a ) ]. Instead, the accounts were reinserted on my credit file without proper written notice of reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ). This violates my rights to a complete and accurate investigation and the credit bureaus duty to report data with maximum possible accuracy under FCRA 607 ( b ).

The following accounts are being reported inaccurately and require correction or deletion : XXXX  Acct # XXXX Reinserted after previous dispute without verification ; balance and status not consistent across bureaus. 
XXXX XXXX Acct # XXXX Shows charge-off on XXXX bureau and open on another ; balance and status conflict with XXXX XXXX XXXX for account closure. 
XXXX XXXXt # XXXX Reports a charge-off with {$120.00} past due but XXXX balance ; this is an internal reporting error and inconsistent with XXXX XXXX XXXX Field XXXX ( Account Status Code ). 
XXXX Acct # XXXX Shows Consumer disputes after resolution but no supporting verification documents provided. 
XXXX XXXX ( XXXX XXXX ) Reporting inconsistent past-due amounts and delinquency dates that do not match payment records. 
Violations : FCRA 602A : Failure to maintain accurate consumer reporting.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) : Failure to reinvestigate and verify disputed information within 30 days.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information without proper notice.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers continued to report information they knew or should have known was inaccurate. 
Metro 2 Reporting Guidelines : Violation of data integrity standards regarding account status, payment rating, and date of first delinquency fields.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, i submitted a written request by email to cancel my UpstartXXXX XXXX XXXX ( Loan ID : XXXX ) before it originated. The loan did not originate until XX/XX/year>. 

Despite my timely cancellation request, Upstart did not acknowledge or act on it until XX/XX/XXXX, after the loan was already in origination. I was then told that cancellation was no longer possible and that the loan would be funded. 

This means my cancellation request was effectively ignored until it was too late. I acted in advance, but Upstart 's delay in responding forced me into a loan I no longer wanted. 

I also requested confirmation and clarification on the origination fee refund over the phone multiple times. I was told that no one knows how this is calculated and that the system just does it. 

I am requesting : An explanation of why my XX/XX/XXXX cancellation request was not honored. 

Confirmation that I can immediately repay the disbursed funds without penalty and receive the partial origination fee refund, as provided under Section 9 of my Promissory Note.

Assurance that this situation will not negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally protest the failure of Chime to adequately investigate an unauthorized transaction dispute on my account. Your summary denial of my claim, despite my immediate report of fraudulent activity, demonstrates negligent execution of your consumer protection protocols. The denial provided zero transparent explanation or supporting evidence, indicating a failure to conduct the fair and thorough review required by law. This operational failure was worsened by your customer service team 's unprofessionalism and lack of clarity, leaving me unable to resolve this matter or appeal a clearly flawed decision. My experience directly reflects the systemic issues for which Chime has been penalized, including recent regulatory actions by the DFPI and CFPB concerning inadequate dispute investigation and poor customer service standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: LA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found several unauthorized inquiries and unverifiable accounts on my credit report. I never applied for or authorized a credit pull for any of the inquiries listed below, violating the permissible purpose standard of 15 U.S.C. 1681b. Furthermore, the accounts listed are either fraudulent, inaccurate, or I dispute the validity and ownership of the debt itself.

The following inquiries were made without my knowledge or authorization : Company Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are disputed and require full validation : Company Name Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-06 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-06 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I refinanced a personal loan through XXXXXXXX XXXX ( XXXX ) using their online system. At no point was it clearly disclosed that refinancing would automatically pay off my existing loan. I also was not informed that I would have no right to rescind or cancel the loan once I realized what had happened. I believed I was taking out a new loan, not replacing my old one. The process was entirely online, with no opportunity to speak with a representative for clarification. Why this is a problem : I feel the lender failed to provide clear and conspicuous disclosures about : How the refinance would be applied ( automatic payoff of the prior loan ). The absence of any rescission or cancellation option. And the address that is listed to contact this company is not valid I researched and found another address for this company so they are providing false and misleading contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the handling of my recent credit card application with Barclays for a Hawaiian Airlines credit card. Unfortunately, the process has been fraught with errors and misinformation, which I believe requires the CFPBs attention.

First, I was asked by Barclays to provide multiple forms of identification, including my ID, Social Security card, and account statements, which I promptly provided. Despite my cooperation, the information I received from their representatives was inconsistent and misleading. 

At XXXX point, an agent named XXXX informed me that my credit card application had been approved for a limit of {$27000.00}. However, when I called again to confirm, I was told that the card was not approved and was instead undergoing a secondary review by a XXXX named XXXX. When I spoke to XXXX, I experienced a lack of patience and a reluctance to assist me, which added to the confusion and frustration. 

In summary, the handling of my application has been extremely unprofessional, with incorrect information being relayed and a lack of clear communication. I kindly request that the CFPB review this matter and assist in ensuring that Barclays addresses these issues appropriately. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IA

Complaint narrative:
I got a recent copy of my credit report and there were accounts fraudulently reporting that do not belong to me and harming my credit report. These accounts do not belong to me.

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 2025-10-06 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: IA

Complaint narrative:
I got a recent copy of my credit report and there were accounts fraudulently reporting that do not belong to me and harming my credit report. These accounts do not belong to me.

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 2025-10-06 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: OH

Complaint narrative:
I have companies reporting things on my credit report that is not fair and I did not give consent to report a few other companies or credit collection agencies, and they are exporting to Trans Union Equifax and experience and I feel like these XXXX agencies have not given me the proper investigation to report these things on my credit report, I have also filed dispute claim letters and disputed with the personal Creditors, and also the credit agencies.

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 2025-10-06 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: OH

Complaint narrative:
I have companies reporting things on my credit report that is not fair and I did not give consent to report a few other companies or credit collection agencies, and they are exporting to Trans Union Equifax and experience and I feel like these XXXX agencies have not given me the proper investigation to report these things on my credit report, I have also filed dispute claim letters and disputed with the personal Creditors, and also the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I found several unauthorized inquiries and unverifiable accounts on my credit report. I never applied for or authorized a credit pull for any of the inquiries listed below, violating the permissible purpose standard of 15 U.S.C. 1681b. Furthermore, the accounts listed are either fraudulent, inaccurate, or I dispute the validity and ownership of the debt itself.

The following inquiries were made without my knowledge or authorization : Company Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are disputed and require full validation : Company Name Account Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation