vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I paid a full settlement to XXXX XXXX XXXX for an Upstart account. Since then, all three companies involved Upstart, XXXX, and XXXX  have failed to take responsibility. The account is still being reported as derogatory across XXXX XXXX XXXX XXXX 

I have sent XXXX formal notices demanding correction and deletion, and I received a response from XXXX on XX/XX/XXXX, acknowledging payment but their letter falsely listed the wrong amount. 

Despite multiple contacts and proof of settlement, no one has corrected the credit reporting, no one has updated the bureaus, and no one is accepting accountability. 

This is not a request for reinvestigation. 
This is a demand for deletion under the FCRA and Metro 2 standards.

The debt was settled.

I have proof. 
Continued inaccurate reporting constitutes a willful FCRA violation and will be pursued through all available regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : Not listed in report ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
I have information on my credit report that dont belong to me and also 2 accounts that have unauthorized charges on them. I have filed FTC and Police reports. Next I will be taking legal action. You have violated my 1681a and b privacy rights and also 605b. Thank You

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 2025-08-02 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: MI

Complaint narrative:
I have information on my credit report that dont belong to me and also 2 accounts that have unauthorized charges on them. I have filed FTC and Police reports. Next I will be taking legal action. You have violated my 1681a and b privacy rights and also 605b. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized and fraudulent activity on my credit report when I reviewed my Experian account. Several accounts were opened in my name without my knowledge or consent. These accounts are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Additionally, there are unauthorized hard inquiries on my credit report from XXXX XXXX and XXXX 

I believe my personal information was compromised through data breaches related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. As a result of this identity theft, my credit has been negatively impacted by accounts and inquiries I did not authorize or initiate.

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 2025-08-02 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: WA

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized and fraudulent activity on my credit report when I reviewed my Experian account. Several accounts were opened in my name without my knowledge or consent. These accounts are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Additionally, there are unauthorized hard inquiries on my credit report from XXXX XXXX and XXXX 

I believe my personal information was compromised through data breaches related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. As a result of this identity theft, my credit has been negatively impacted by accounts and inquiries I did not authorize or initiate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I just checked my credit report and notice several inaccurate information on some of my accounts, and in accordance with 15 U.S. Code 1681e - Compliance procedures sec B its violation of my rights also in accordance with the Fair Credit Reporting act - XXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX # XXXX has violated my nighis 15 US C 1681 section 602 A States I have the right to privacy 15 US C 1681 Section 604 A Section 2. it aiso states a consumer reporing agency can not furnish a account without my written instructions

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding the inaccurate and unverifiable information being reported on my credit file by Experian, Equifax, and TransUnion. I submitted a formal dispute on XX/XX/year>, requesting a reinvestigation and deletion of any data that can not be verified under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 607 ( b ).

Despite the FCRA requiring a response and reinvestigation within 30 calendar days, the credit bureaus have continued to report unverifiable information that has negatively impacted my ability to obtain housing, credit cards, and personal loans. I provided valid identification, proof of address, and supporting documentation, and expected a lawful reinvestigation.

As of today, the disputed information remains on my report, and I have not received any documentation proving that the accounts were verified through the original furnishers, as required by law. This failure to correct or remove unverifiable data is damaging my financial standing and preventing access to essential financial resources.

I am requesting that the Consumer Financial Protection Bureau hold the credit bureaus accountable for their compliance failures and ensure the immediate deletion of any unverifiable information in accordance with FCRA regulations.

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 2025-08-02 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: FL

Complaint narrative:
On XX/XX/year>, a collection/charge-off account from XXXX XXXX XXXX  appeared on my TransUnion credit report for {$150.00}. This account does not appear on XXXX XXXX XXXX and I never received any prior notice, validation, or legitimate documentation regarding this debt. 

I disputed this account because I do not recognize it, and TransUnion marked it as verified without sending any explanation or evidence. I specifically requested proper debt validation including original signed contracts and a breakdown of charges, but I was never provided with any documentation by the company. 

This situation raises serious concerns about inaccurate reporting and failure to follow the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this account be removed immediately if proper validation can not be provided.

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 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: LA

Complaint narrative:
I dispute this debt in its entirety and formally request that you provide full validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, please be advised that this alleged debt was included in my XXXX XXXX XXXX. As such, any attempt to collect on this debt is a direct violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ).

Additionally, if the alleged debt is of medical origin, I remind you that your agency has no legal access to my private health information without my express written authorization under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ). Therefore, unless you possess legal documentation that proves this debt is valid, belongs to me, and is not subject to bankruptcy discharge, you must cease all collection activities immediately.

Specifically, I request the following : 1. The name and address of the original creditor ; 2. A copy of the original billing agreement or signed contract proving I owe the debt ; 3. A full breakdown of the alleged amount, including fees and interest ; 4. Evidence that you are legally authorized to collect on behalf of the original creditor ; 5. Proof this debt is not subject to my bankruptcy discharge.

Until such documentation is provided, you must cease all collection efforts and remove any reporting from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Bankruptcy Court.

I also demand that you cease all calls to me regarding this matter. All communication must be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MS

Complaint narrative:
XXXX when I tried to use my card it wouldn't work so I went to login and it says card status invalid. I've called XXXX times and no response but a recording. The amount is my balance on my XXXX probably about {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My home was damaged XX/XX/XXXX due to hurricane helene. The contractor I hired completed all repairs XX/XX/XXXX. There is a current balance of {$23000.00} left from the insurance check in which the contractor is owed that full amount. I have been speaking to supervisors every week since XXXX about Shellpoint Mortgage releasing the remainder funds so that the contractor can get paid. The contractoXXXX is now wanting to place a lien on my home because it has been 2 months since the work has been completed and he has not been paid. Every time I call I am promised there will be a resolution within XXXX business days or XXXX business days just depending on what supervisor you speak to on that day. I have send email correspondences on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to multiple supervisors requesting different documents so that the additional funds are released. No one has contacted me and we still have no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from Factual Data appeared on my Equifax credit report. According to the listing, this inquiry was made on behalf of XXXX XXXX XXXX XXXX ( XXXX ). However, at no time did I apply for credit with XXXX or provide authorization for any credit inquiry. 

On XX/XX/XXXX, both my spouse and I explicitly informed XXXX both phone and emailthat only my spouses credit file was authorized to be accessed for mortgage prequalification. I clearly withheld authorization for any access to my credit report. 

On XX/XX/XXXX, I submitted a written dispute to Equifax via mail. The dispute package included : A signed letter asserting that the inquiry was unauthorized A screenshot of the inquiry as reported by XXXX XXXX A legal summary citing FCRA 604 and Washington XXXX XXXX, both of which prohibit consumer credit access without informed, documented consent On XX/XX/XXXX, Equifax responded that they were unable to locate my credit file and requested identification and address verification in order to proceed. 

On XX/XX/XXXX, I mailed a second certified dispute. This submission included : A copy of my government-issued photo ID Proof of current address An updated credit report showing the same disputed inquiry A renewed written demand for removal of the unauthorized inquiry In response, Equifax issued a generic form letter stating that inquiries are a factual record of file access and would remain for two years. The response did not address the lack of authorization, nor did it disclose how the inquiry was verified, as required by FCRA 611 ( a ) ( 7 ).

As of the date of this submission, the unauthorized hard inquiry remains on my credit report. Equifax has failed to demonstrate that it conducted a reasonable reinvestigation, as mandated by federal law, and has not provided any documentation showing that proper consumer authorization was obtained prior to the inquiry.

I respectfully request that the Consumer Financial Protection Bureau require Equifax to fully comply with the Fair Credit Reporting Act, remove the unauthorized inquiry from Factual Data dated XX/XX/XXXX, and provide written confirmation of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I have no knowledge or consent to the fraudulent accounts and hard inquiries. Also XXXX, Experian and XXXX are reporting medical bills with my personal information and the account is a result of identity theft. XXXX XXXX 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 2025-08-02 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: GA

Complaint narrative:
I have no knowledge or consent to the fraudulent accounts and hard inquiries. Also XXXX, Experian and XXXX are reporting medical bills with my personal information and the account is a result of identity theft. XXXX XXXX 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 2025-08-02 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: T.S. Holdings
State: OK

Complaint narrative:
I am filing this complaint against [ [ Creditor/Collection Agency Name ] ] for and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I paid hotel XXXX {$1200.00} for myself On XX/XX/year> I paid hotel XXXX {$310.00} for my cousin. 

I fly visit XXXX XXXX, Ca on XX/XX/year> for event XXXX XXXX XXXX XXXX. And hotel told me they dont have any reservations or information my name for booking. I was upset and I ask refund back which I did paid. They say no and call XXXX I did call my bank Chase and report dispute. Chase decide denied my claims dispute. Im very mad. I lost money {$1500.00}. Im not going waste my time or money please help me Im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: CT

Complaint narrative:
I am filing this updated complaint regarding KeyBank NA due to inaccurate and misleading credit reporting. The account was closed on XX/XX/XXXX, yet is still reporting a {$1500.00} balance against a {$1000.00} credit limit, resulting in an artificially inflated utilization rate of XXXX %. 

Additionally, the account is showing derogatory payment marks in XXXX, even after the closure date, which is both factually inaccurate and harmful to my credit standing. 

I previously filed a complaint on XX/XX/XXXX, but was unable to add this new information through the CFPB system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was stolen from data breach this account is not mine

Company response to consumer: Closed with explanation