vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Due to a period of XXXXXXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-24 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: CA

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review. 

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. Ive always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
] XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX fl XXXX ] [ XXXX ] [ XXXX ] Date : [ Insert Date ] To : Consumer Finance Department / TransUnion Consumer Relations XXXX XXXX XXXX XXXX PA XXXX Subject : Request to Remove Fraudulent Information from My Credit Report Dear Sir or Madam, I am writing to formally request an immediate investigation and removal of fraudulent information from my TransUnion credit report. My name is XXXX XXXX, and I have recently been the victim of identity theft and fraudulent attacks that have resulted in unauthorized accounts and inaccurate information appearing on my credit file. 

I did not authorize these accounts or transactions, and they are severely affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate and remove all fraudulent or inaccurate information from my report as soon as possible.

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 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
On today XX/XX/year> a process server provided two envelopes, for myself, XXXX XXXX, and my husband, XXXX XXXX. It had no case number on the court documents included. It listed a court date as XX/XX/year> at XXXX. I called the court clerk ( XXXX in XXXX XXXX XXXX, CO ) and confirmed there is no court case and no filing. I called the listed collections agency BC Services. I was put on hold multiple times. Anytime I was put on hold or transferred, the line was just dead -- no hold music -- no message, so it was unclear regularly if the call was even going. They refused to let me speak to the attorney who signed this document, XXXX XXXX XXXX, even though I am myself an attorney. I was sent to his voicemail. Someone else called me back who claimed it was legal to " serve '' me in this way. I repeated it is not. They repeatedly stated I could " look it up '' but it was valid service. It is not. They said that will be the court date. I explained there is no court date. I looked at their itemized " bill '' which listed " redact '' and told them very clearly I do not have any record of seeing a doctor that day.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Equifax regarding multiple inaccurate, incomplete, and unverifiable negative items on my credit report. My dispute included detailed explanations of each issue and supporting evidence. I also attached all required identification documentsa copy of my government-issued ID, Social Security card , and proof of addressso Equifax could verify my identity as required by the FCRA. 

Despite this, as of XX/XX/year>, I have not received any response, acknowledgment, or investigation results from Equifax. This failure violates my consumer rights under FCRA 611 ( a ) ( 1 ), which requires Equifax to investigate disputes within 30 days of receipt, and 611 ( a ) ( 6 ), which requires them to notify me of the results.

The disputed items in my letter include inaccurate and unverifiable reporting for the following : CITI conflicting account status and payment history across bureaus ; incomplete and misleading reporting. 

XXXX  inconsistent status, balance discrepancies, and missing payment information across all three credit bureaus. 

XXXX XXXX contradictory account status, unverifiable balance, and bankruptcy reporting errors. 

Public Record XXXX XXXX XXXX XXXX. XXXX ) incomplete and unverifiable bankruptcy information with missing critical details. 

Multiple unauthorized inquiries, including from XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. 

Incorrect addresses listed on my credit report that do not belong to me.

Equifaxs continued reporting of these disputed items without responding to my investigation request constitutes noncompliance with the FCRA and has caused ongoing harm to my creditworthiness and ability to obtain fair credit opportunities.

611 ( a ) ( 1 ) Failure to conduct an investigation within 30 days. 611 ( a ) ( 6 ) Failure to provide written results of the investigation. 607 ( b ) Failure to maintain m
aximum possible accuracy of consumer information.

Equifaxs inaction directly violates these federal provisions and demonstrates a lack of compliance with consumer protection standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
I still have a open account but they are unable to send out a debit card I can send and receive money but I don't have a card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My Identity has Been Stolen by XXXX XXXX XXXX JP Morgan Chase Bank on XX/XX/XXXX In Written Disclosure by XXXX XXXX XXXX Fraud Report Claimant XXXX XXXX XXXX is Investigating Character Assination by Cybercrime in XX/XX/XXXX With Chase Bank XXXX Final Termination Account Abuse by XXXX Embezzlement This Is A Serious Breach of Contract with JP Morgan Chase Bank in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due Process of Law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-10-24 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am in the process of purchasing a new home. I requested Carrington Mortgage on XX/XX/XXXX to please correct false information being reported by them to XXXX XXXX XXXX to be removed. I paid of my mortgage in full on XX/XX/XXXX. Carrington has reported that i have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. How is this possible when i paid them off in XXXX of XXXX. I have my receipt of final payment to them. They are refusing to move the late payments saying that they are not reporting them but XXXX ( a credit company being used by my lender to check my credit ) is the one reporting the false information. My loan is scheduled to close on XX/XX/XXXX. This loan will fall through if this issue is not corrected. I have spoken with XXXX XXXX didn't get his last name ) who said he is the senior escalation specialist on several occasions and he is still refusing to correct the issue. This is bad business and i will get a lawyer to help me if they continue to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Upstart XXXX XXXX keeps calling me and emailing me about missed payments. I had payment arrangements set up with them so many times and one of the reps was on the phone with me and walked me through the entire process. She even stayed on the phone with me to make sure my banking information was updated and corrected because this company kept trying to take money out of an old account, after I told them I do not use that account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing a hard inquiry on my Equifax credit report that was made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only report inquiries made with my consent. XXXX XX/XX/year>, since I did not authorize this inquiry, I request that it be removed immediately. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report, and this inquiry is inaccurate as it was not authorized by me. Please note that the FTC website is currently unavailable, preventing me from filing an FTC Identity Theft report at this time. However, under the FCRA, I am still entitled to dispute this inaccurate information, and I expect it to be removed from my report within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA Federal Savings Bank XXXX is Involved in Illegal Military Lending Act Violations in XX/XX/year> A Illegal Unauthorized USAA Auto Insurance PHISHING Fraud by E Mail To Victim of Identity Theft /Character Assination XXXX My USAA Auto Insurance telephone Agent Reported An Illegal HACKED by Unauthorized Illegal Military Deployment Classification Fraud To XXXX XXXX XXXX Requirement Immediately by CFPB Omnibusman In XXXX Texas in USAA Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL Verification in Fraud Waste and Abuse 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 2025-10-24 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: AZ

Complaint narrative:
This complaint concerns XXXX XXXX  repeated violations of the Fair Credit Reporting Act XXXX XXXX by XXXX and the major credit bureaus. 

This is my XXXX XXXX third dispute XXXX XXXX XXXXegarding inaccurate reporting of a XXXX delinquency with no prior XXXX or XXXX late notations. Nelnets letter dated XX/XX/year>, stated no adjustment is needed, refusing to reinvestigate. Despite two previous disputes with Experian, Equifax, and TransUnion, the inaccurate data remains.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXXPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX5 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation