vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: AR

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 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 2025-09-01 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: CA

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

1681c2 ) that you, the TransUnion 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 XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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, 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 2025-09-02 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

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 4 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 30 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 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$24000.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I was convinced by a shareholder of a company called XXXX to take out a {$12000.00} loan through Upstart to purchase a water filtration machine as part of a business opportunity. I was promised that I would receive three times the pay for sales and referrals, but in reality, XXXX only offers one times the pay. The shareholder downplayed details and pushed me to take the loan to join. During a XXXX call, the shareholder/coach walked me through the Upstart loan application by having me share my screen. She specifically instructed me to select medical reasons as the purpose of the loan, even though the loan was actually intended for the Enagic water filtration purchase. When I asked about the interest rates, she told me not to worry about it. I would not have selected medical reasons or agreed to the loan terms if I had been fully and honestly informed. 

I was not told clearly that the only real way to make money was to recruit others, which was misrepresented as an investment opportunity. If I had known this, I never would have borrowed the money. 

I am now left with a {$12000.00} loan debt for a product that can not generate income as promised. I believe this was fraudulent inducement, and I am requesting the CFPBs help in reviewing the situation, including whether Upstart properly evaluated this loan, given it was tied to a deceptive business scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company : [ Experian / Equifax XXXX XXXX  ] Account : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> Balance Reported : {$4400.00} Complaint The credit bureau is reporting a collection account from XXXX XXXX XXXX that is false and unverified. 
I never signed any agreement with XXXX XXXX XXXX. 
They never rendered me services. 
They are a third-party company misusing my personal data. 

Under FCRA 611 ( 15 U.S.C. 1681i ), the credit bureau must delete any account that can not be verified. Instead, they continue publishing this inaccurate account. This false account is lowering my credit score, blocking approvals, and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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 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 2025-09-01 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: AL

Complaint narrative:
PLEASE SEE THE ATTACHED DOCS I am a victim of identity theft, supported by my official FTC Identity Theft Report ( # XXXX, filed XX/XX/XXXX ). Despite proper notice, Equifax continues to report fraudulent information on my credit file. 
Fraudulent Accounts & Inquiries : XXXX XXXX XXXX. Acct # XXXX Fraudulent credit card, {$690.00} XXXX XXXX XXXX of XXXX Unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry XX/XX/XXXX Legal Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires CRAs to block/remove fraudulent information within 4 business days of receiving an identity theft report and affidavit. 
FCRA 1681i & 1681e ( b ) : Failure to reasonably investigate disputes and maintain maximum accuracy. 
FDCPA 1692g : No proof of debt validation or verification provided.

FCRA 1681b : No permissible purpose for inquiries.

Harm Caused : These violations have led to adverse credit denials, discrimination, emotional distress, and XXXX XXXX  shows rolling XX/XX/XXXX late codes since XXXX, but XXXX listed as XX/XX/XXXX. This is re-aging & Metro 2 violation. Inaccurate, misleading under FCRA 1681e ( b ) & 623. 

I am disputing inaccurate late payment reporting by Equifax for XXXX XXXX XXXX ( Acct ending in XXXX, XX/XX/XXXX & XX/XX/XXXX ). Payments were made timely, but delays in creditor processing caused false late notations, violating 15 USC 1666c. 

Equifax is reporting inaccurate late payments ( XXXX Acct XXXX XXXX XXXXXXXX, XXXX ). Payments were made on time. Reporting violates 15 USC 1666c. Request correction and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I wrote to Citi cards and to the Comptroller of the Currency after several phone calls with Citi ; Citi threw my late husband into debt collection. When my husband, XXXX XXXX, XXXX  XX/XX/XXXX of this year it was my intention as his spouse to pay any balance owed and close this account, which was in his name. I called to explain, and the person I first spoke with waived the late payment fee ( but I did not realize that meant interest would accrue -- I've never paid interest on a credit card. My husband and I have always paid on time or even early! ) I paid the interest but called to ask about the " double cash credit, '' a point system this card uses to entice folks to become card holders and spend more money. I wanted the value of the points subtracted from what I owed so I could pay the balance. I was told I would have to call a second number, the Double Cash Department -- to inquire about the value of those points. I did, then sent a check for everything but those points, as directed by the Double Cash representative. The following month, they charged interest and late fee, said I would again have to call double cash number. This time the person sent me a check for {$120.00}, which I cashed, but that money is owed back to Citi -- but none of the interest. When I called again, I was told I had to write to the double cash office to straighten this matter out. But since my husband, the account card holder was dead, they threw this into debt collection. Debt collection assured me I would not have to pay -- but then pursued me, probably assuming there would be a court case they could win. My husband and I ( 58 years of marriage ) have always paid bills on time or early, so this experience has been dreadful for me. I can add that one of my friends had a smilar issue with Citi when her husband died! I'm also a small Citi shareowner -- I certainly do not like this kind of behavior. The Citi employees I have spoken with do not listen to me -- and worse they do not inform each other! The complaint ID is XXXX The two letters I got from CFPB also had this code : 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 monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I reserved an accessible room for my XXXX son but we were not provided an accessible room the first night nor moved to an accessible room the second night. Instead we were place in a room next to the gym where XXXX XXXX knew would flood every time someone showered because the curtains were known to be too short but they were waiting for replacements. I filed a dispute with Goldman Sachs ( Apple Card ) on XX/XX/year> for a {$220.00} charge from XXXX XXXX. Goldman Sachs ( Apple Card ) requested more information on XX/XX/year>, which I provided on XX/XX/year>. Then Goldman Sachs ( Apple Card ) sent an email on XX/XX/year> that " based on available information, we determined that the purchase was provided as described. '' When I immediately contacted Goldman Sachs ( Apple Card ) to inquire whether XXXX XXXX was claiming that they provided an accessible room and that there was not a problem with the shower curtain, they did not provide an answer. I also asked whether they even bothered to pursue my matter with XXXX XXXX but similarly did not get a response. Instead, I just received a generic response from the agent that they just submitted my dispute again and will reach out for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Payment of full balance on CapitalOne XXXX credit card was made XX/XX/2025. 
CapitalOne reported suspicious activity immediately. 
Called CapitalOne customer service, CapitalOne called bank the payment was made from, bank said they do not confirm client information over the phone, was advised to upload bank statement proving ownership of account. 
Bank statement uploaded XX/XX/2025. 
Payment cleared from bank account on XX/XX/2025. 
Interest charged to account on XX/XX/2025. 
CapitalOne called and left voicemail on XX/XX/2025. 
Returned phone call on XX/XX/2025, was asked to provide void check to prove ownership. 
Voided check uploaded XX/XX/2025. 
CapitalOne called and left voicemail on XX/XX/2025. 
XXXX call on XX/XX/2025, customer service told me they could not help and I would have to wait for another phone call. 
CapitalOne called and left voicemail on XX/XX/2025, returned call, customer service said they needed to verify the voided check and I needed to answer when they call. 
Credit card account is still restricted at the time of complaint.

Company response to consumer: Closed with monetary relief