vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a XXXX  impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts reinserted to credit file XX/XX/year> & XX/XX/year> after deleted previously

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 2025-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: GA

Complaint narrative:
I went to court on XX/XX/XXXX and enter into an agreement with Sallie Mae bank including to stop reporting to the credit Im not paying and this debt was sold. I have been making monthly payments and they are still reporting that Im not. Even though they have sent me letters saying they have received my payments for months. They are still reporting as if nothing has changed and the already charged the debt off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I am trying to settle my balance and I have sent a cashier check to the address provided by the company ( it bounced back ) and now I'm trying to pay online and they still are refusing to accept my final settlement payment.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-11 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus Affected : TransUnion ( primary ) Possibly Experian and Equifax ( cross-reporting to be verified ) Companies Complained About : XXXX XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX including XXXX XXXX, XXXX XXXX XXXX XXXX, First Premier Complaint Summary ( 500 characters for CFPB Form ) : I am disputing multiple inaccurate and derogatory accounts being reported by FirstPoint Collection, IC System XXXX and XXXX XXXXXXXX XXXX among others . These accounts are either unverifiable or falsely reported. There are also several unauthorized hard inquiries violating 18 USC 1028a. I request immediate removal of all disputed items in accordance with FCRA 611 and FDCPA 1692c.

Full Complaint Narrative : I am submitting this complaint to dispute and demand removal of several inaccurate, unverifiable, and unauthorized entries on my credit report. The following accounts are falsely reported or have discrepancies in dates, balances, and legal compliance : XXXX. XXXX XXXX XXXX XXXX : {$1200.00} Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Violates FDCPA 15 USC 1692c and FCRA 1601 reporting without verified consent or contract. 

XXXX. XXXXXXXX XXXX ( for XXXX ) Balance : {$54.00} Opened : XX/XX/XXXX Improper collection reporting. No contract or invoice was authorized. 

XXXX. XXXX XXXX XXXX  Balance : {$25000.00} Only 34 % on-time payments, inaccurate late reporting, and hardship not reflected. 
Violates FCRA 1666b due to improper billing cycle adjustments. 

XXXX. XXXX XXXX XXXX XXXX : {$7200.00} Account closed, but being reported as unpaid. Only 25 % on-time payment shows misreporting. 

XXXX. XXXX Account Overutilized at 104 % despite {$700.00} limit. 
Opened XX/XX/XXXX. 
Violates FCRA 1666b for incorrect payment tracking. 



Unauthorized Hard Inquiries ( Violating 18 USC 1028a ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my written consent or application and harmed my credit profile without a permissible purpose.

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 2025-07-11 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:
Complainant : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus Affected : TransUnion ( primary ) Possibly Experian and Equifax ( cross-reporting to be verified ) Companies Complained About : XXXX XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX including XXXX XXXX, XXXX XXXX XXXX XXXX, First Premier Complaint Summary ( 500 characters for CFPB Form ) : I am disputing multiple inaccurate and derogatory accounts being reported by FirstPoint Collection, IC System XXXX and XXXX XXXXXXXX XXXX among others . These accounts are either unverifiable or falsely reported. There are also several unauthorized hard inquiries violating 18 USC 1028a. I request immediate removal of all disputed items in accordance with FCRA 611 and FDCPA 1692c.

Full Complaint Narrative : I am submitting this complaint to dispute and demand removal of several inaccurate, unverifiable, and unauthorized entries on my credit report. The following accounts are falsely reported or have discrepancies in dates, balances, and legal compliance : XXXX. XXXX XXXX XXXX XXXX : {$1200.00} Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Violates FDCPA 15 USC 1692c and FCRA 1601 reporting without verified consent or contract. 

XXXX. XXXXXXXX XXXX ( for XXXX ) Balance : {$54.00} Opened : XX/XX/XXXX Improper collection reporting. No contract or invoice was authorized. 

XXXX. XXXX XXXX XXXX  Balance : {$25000.00} Only 34 % on-time payments, inaccurate late reporting, and hardship not reflected. 
Violates FCRA 1666b due to improper billing cycle adjustments. 

XXXX. XXXX XXXX XXXX XXXX : {$7200.00} Account closed, but being reported as unpaid. Only 25 % on-time payment shows misreporting. 

XXXX. XXXX Account Overutilized at 104 % despite {$700.00} limit. 
Opened XX/XX/XXXX. 
Violates FCRA 1666b for incorrect payment tracking. 



Unauthorized Hard Inquiries ( Violating 18 USC 1028a ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my written consent or application and harmed my credit profile without a permissible purpose.

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 2025-07-11 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: NH

Complaint narrative:
I am submitting this complaint regarding a payment reported as late by XXXX XXXX XXXX in XX/XX/year>, related to my auto loan account number XXXX, which was opened on XX/XX/year>. The current status of the account shows a {$360.00} past due balance as of XX/XX/year>, with a monthly payment of {$740.00}. However, this information is not accurate. I had sufficient funds available in my account to cover the payment, but XXXX XXXX XXXX failed to process the payment on time, resulting in a past-due mark that is clearly due to an error on their partnot mine. The record shows that the last payment was made on XX/XX/year>, which demonstrates my intent and effort to remain current. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, all information furnished to credit reporting agencies must be complete and accurate. Reporting a payment as late when the consumer had sufficient funds and was not properly notified constitutes a violation of the FCRA. This also goes against CFPB Regulation V ( 12 CFR Part 1022 ), which protects consumers from inaccurate credit reporting and provides the right to dispute and correct errors. I respectfully request that this late payment be completely removed from my credit history. It was not due to negligence or failure on my part, but rather a processing error by the creditor. This negative mark is unjustly damaging my credit profile and should be corrected immediately in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the 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 2025-07-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing multiple inaccurate and misleading entries on my credit report under the Truth in Lending Act ( TILA, 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ).

Specifically : My billing records were not properly updated to reflect correct payments.

There are computation or accounting errors affecting balances and status.

I did not receive billing statements with the legally required 21 days notice, making any reported late payments invalid under federal law.

The creditor failed to provide original billing statements, payment history, or verifiable documentation to support the reported information. Only generic responses were issued in return, which do not meet the standards for verification. 

Under 15 U.S. Code 1681i ( a ) ( 5 ), unverifiable information must be deleted or blocked from the credit report. Continuing to report such data is a violation of federal law.

I am requesting the following accounts be corrected to reflect Paid as Agreed or removed entirely : XXXX XXXX XXXX XXXX ( XXXX separate accounts ) XXXX XXXX XXXX I have escalated this issue to the CFPB, FTC, XXXX and State Attorney Generals Office. If it is not resolved within 15 days, I will pursue legal remedies under 15 U.S. Code 1681n, which allows for up to {$1000.00} per violation.

Each dispute must be handled individually and not dismissed with generic or automated responses.

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 2025-07-11 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: UPGRADE, INC.
State: TX

Complaint narrative:
Uplift account # XXXX Prior to making the payment, I was informed by a representative of Uplift that if I did not pay, my credit would continue to be severely damaged, but that if I did pay the account, they would delete the charge-off from my credit report. I relied on this verbal agreement when deciding to resolve the debt, trusting the company would honor their word. Unfortunately, despite fulfilling my part of the agreement, Uplift has failed to follow through on their promise and the charge-off remains on my credit profile.

I believe this is unfair, misleading, and violates the principle of good faith. Im seeking assistance in having this item removed as originally agreed. I have made multiple attempts to resolve this directly with Uplift to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Deletion of Unverified and Inaccurate Information Re : FCRA Dispute with Experian To Whom It May Concern, This letter serves as a formal dispute under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and permanent deletion of the following inaccurate, incomplete, or unverifiable information : Creditors : XXXX XXXX  Account Number : XXXX Violation : This account is being reported as charged-off with a past due balance of {$5600.00}. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This collection account for {$21000.00} is inaccurate and unverifiable. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This debt buyer is reporting a collection account for {$2500.00} originally from XXXX XXXX. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This account contains a reported 30-day delinquency for XXXX and/or XX/XX/XXXX, which I dispute as inaccurate. 

: XXXX XXXX  Account Number : XXXX Violation : This account is reported as charged-off and reflects several delinquencies. I am challenging the completeness and accuracy of the payment history. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This auto loan was included in a XXXX XXXX bankruptcy and is improperly reported as a repossession. This dual reporting violates 15 U.S.C. 1681c and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report information accurately.

I assert this information is inaccurate, incomplete, and potentially unverifiable. Pursuant to 15 U.S.C.

1681i ( a ), you are required to conduct a reasonable reinvestigation. If verification from the original creditor, including a signed contract and detailed account history, can not be produced, you must permanently DELETE this account. Reporting unverifiable data is a direct violation of 15 U.S.C.

1681e ( b ) which mandates maximum possible accuracy.

This reporting is damaging and legally noncompliant. If you can not substantiate this data with verifiable evidence from the original creditor, you must PERMANENTLY DELETE this entry from my file within 30 days per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply will constitute willful noncompliance and may subject your organization to civil liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Deletion of Unverified and Inaccurate Information Re : FCRA Dispute with Experian To Whom It May Concern, This letter serves as a formal dispute under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and permanent deletion of the following inaccurate, incomplete, or unverifiable information : Creditors : XXXX XXXX  Account Number : XXXX Violation : This account is being reported as charged-off with a past due balance of {$5600.00}. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This collection account for {$21000.00} is inaccurate and unverifiable. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This debt buyer is reporting a collection account for {$2500.00} originally from XXXX XXXX. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This account contains a reported 30-day delinquency for XXXX and/or XX/XX/XXXX, which I dispute as inaccurate. 

: XXXX XXXX  Account Number : XXXX Violation : This account is reported as charged-off and reflects several delinquencies. I am challenging the completeness and accuracy of the payment history. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This auto loan was included in a XXXX XXXX bankruptcy and is improperly reported as a repossession. This dual reporting violates 15 U.S.C. 1681c and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report information accurately.

I assert this information is inaccurate, incomplete, and potentially unverifiable. Pursuant to 15 U.S.C.

1681i ( a ), you are required to conduct a reasonable reinvestigation. If verification from the original creditor, including a signed contract and detailed account history, can not be produced, you must permanently DELETE this account. Reporting unverifiable data is a direct violation of 15 U.S.C.

1681e ( b ) which mandates maximum possible accuracy.

This reporting is damaging and legally noncompliant. If you can not substantiate this data with verifiable evidence from the original creditor, you must PERMANENTLY DELETE this entry from my file within 30 days per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply will constitute willful noncompliance and may subject your organization to civil liability under 15 U.S.C. 1681n and 1681o.

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 2025-07-11 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: IL

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief