vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I learned that I was a victim of identity theft when I received a notice about a credit account that I never opened. Shortly after that, I started getting letters and emails about additional accounts and charges that I did not authorize. I checked my credit report and found several unfamiliar inquiries and open accounts in my name. 

I did not open these accounts, and I did not authorize anyone else to do so on my behalf. Its clear that someone used my personal information without my permission. I have since contacted the companies involved to report the fraud and requested that the accounts be closed. I also placed a fraud alert with the credit bureaus and filed this report with the FTC to begin the process of recovering my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have a Chase Credit Card with a line of credit of {$7500.00}. I recently charged {$180.00} for a Car Cover which the company responded they did not have. I told them to refund my money. After a week of no refund I contacted Chase & they credited the charge. Chase then reported to all XXXX XXXX XXXX by putting NOTES that I had disputed the charge. The XXXX XXXX XXXX dropped my credit by XXXX points. By this time the car cover company had crediteted my {$180.00} back. With a {$220.00} balance on a {$7500.00} line of credit card lowering my score by XXXX points is CRAZY. 
In 2025 Chase did the same thing when I disputed a charge. I threatened to sue them & overnite my Credit Score was corrected. I have filed a complaint with all XXXX XXXX XXXX but nothing has changed. They are showing the Credit Card Balance as zero but have not added the XXXX points back to my Credit Score. Chase is at the center of all this by the NOTES they put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated

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 2025-07-08 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated

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 2025-07-08 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: AZ

Complaint narrative:
please see attachments below! I have submitted multiple written disputes, each clearly citing the specific provisions of federal law that have been violated. Despite this, the inaccurate and fraudulent negative accounts remain on my credit report. I have made lawful requests, supported by documentation, which have not been properly addressed within the timeframes required under the Fair Credit Reporting Act. Your failure to take timely and corrective action constitutes continued noncompliance.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my recordsXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX Account NumbeXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I do not recognize this debt and I never authorized this debt of {$400.00} from XXXX. I have been a victim of identity theft, so I believe this collection may be a result of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 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: FL

Complaint narrative:
This account is reporting a {$0.00} balance yet shows that Im currently late, which is inaccurate. A closed/paid account can not be marked late. Please update this account to reflect a correct status : Paid, Closed or remove the late designation entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I spoke with a representative who informed me that I no longer had access to my PayPal Mastercard account because it had been deemed a loss and written off as such. The representative told me that I would only be responsible for paying off my second PayPal card, the PayPal Credit card. I completed my payments to the company in XXXX and have attached the {$0.00} balance to the complaint. I have now received a notification that my PayPal Mastercard account, which was closed in XX/XX/year> and was reportedly settled through PayPal 's tax write-offs, is in the hands of a debt collector, XXXX, seeking {$7600.00} in debt collection. As an XXXX XXXXXXXX currently in training status in the XXXX and XXXX full-time XXXX XXXX, I am curious as to why, now that I have completed paying off one card, I am being informed that the other is being reinstated for collection. Over the past few months, my credit has begun to rebuild, and the company has been notified that my outstanding account has been paid in full. I also notice that new company policies are set to take effect on the XXXX of this month for anyone who fails to close their PayPal accounts. I will now be held to these standards if I am unable to close my account properly. I believe I have been targeted due to credit score monitoring. I am now placed in a situation of financial hardship, and have had an attack on my welfare, placing my occupation in jeopardy. As I regularly check my credit report, this account has not displayed any late payments for the past year. It is now showing as derogatory, with the total amount of debt to pay triple what I had previously paid down. I received no online notifications or paper letters from PayPal regarding their decision to reverse their original statements. Additionally, for the past year, I had no access to this account, as it was removed from their platform, unlike the second card, which I was instructed to pay off and did continue to do so until it was paid in full.

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 2025-07-08 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: NY

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to formally request information regarding a charge-off or collection account that appears on my credit report. Under Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I have the right to request : All information you have in your files related to this account ( including the full name and address of the original creditor ).

A detailed explanation of how this debt was verified, and Documentation used to verify the accuracy and legitimacy of this charge-off or collection, especially any records that bear my signature or legally confirm my obligation to the alleged debt.

I am not disputing for frivolous reasonsI am simply requesting you provide evidence of how this debt was verified before it was reported to the credit bureaus. I want to know : Who verified the debt?

When and how was it verified? 

What documentation supports this verification? 



Under the FCRA, if you can not provide this information, then you are required to remove the account from my credit report. If this information was supplied by a third-party furnisher ( e.g., a creditor or collection agency ), please provide their name, address, and phone number as required under FCRA 609 ( a ) ( 2 ).

Until this verification is completed and the information is validated with proper documentation, I request that you cease reporting this charge-off or collection to any credit reporting agency, in accordance with your obligations under federal law.

Please respond to this request within 30 days of receipt, as required by federal regulations. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! "

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Im writing to report a problem with a debt collector. The company, XXXX XXXXAFFIRM, keeps contacting me about a debt I dont believe I owe. They started reaching out around [ XXXX XXXX, and Ive been getting calls/Text/ from them regularly. 

Ive asked them to send proof that I owe this debt, but they havent done so. Even though Ive told them I dont think the debt is valid, they keep contacting me. I believe this might be against the law under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the account reported by your agency under my name. This account appears on my credit report and is causing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I am requesting the immediate removal of this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ).

According to 15 U.S. Code 1681s-2, you, as a data furnisher, are obligated to provide accurate information and to correct or delete any information that is found to be incomplete or inaccurate. I am exercising my right under 15 U.S. Code 1681i, which requires a reinvestigation of disputed information by the credit bureaus. If you can not provide evidence that this account is valid, verifiable, and accurately reported, it must be removed. 

Additionally, under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide all supporting documentation, including : A copy of the original signed agreement Proof of your legal right to collect this debt A complete payment history and breakdown of the alleged debt Any documentation showing chain of custody or assignment from the original creditor If you are unable to validate this account in accordance with the law, you are required to cease collection efforts and request that all negative reporting be deleted from my credit file immediately. 

Failure to comply with these federal laws may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. I am also prepared to pursue legal remedies as permitted by 15 U.S. Code 1681n and 1681o, which provide for damages due to willful or negligent noncompliance with the FCRA. 

Please respond in writing within 30 days of receipt of this letter confirming the removal of this account from all credit reporting agencies, or provide full validation as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief