vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
What is the issue youre experiencing? 
I am having issues with how Upstart handles XXXX paymentsspecifically, their refusal to explain how to make XXXX  payments, and a lack of transparency around how regular payments are applied between interest and principal. 

What did the company do that you think is wrong? 
I contacted Upstart XXXX to get a clear explanation of how I can apply extra payments directly to principal on my loan. Both times, I was told I must " make the payment on the same day '' with no further clarification. This was repeated several times with no acknowledgement of my specific request or any actual guidance on how to pay down my balance more effectively. 

Upstart appears to have no documented or accessible method for making principal-only payments, and their customer service representatives could not explain how to do so. When I review my account dashboard, I see no option or instructions for making a principal-only payment, and no clear breakdown of how interest is appliedeven when payments are made early or in excess of the minimum. 

This is unacceptable. As a borrower, I have the right to reduce my principal balance and should not be prevented from doing so due to vague policies or a deliberately confusing system. 

What would you like the company to do to fix this problem? 
I want Upstart to : Clearly explain how I can make principal-only paymentsnot if, but how. 

Provide written documentation on how payments are allocated between interest and principal. 

Offer a transparent method ( such as a separate portal option or mail-in instructions ) for principal-only payments. 

Clarify why they are making it difficult or impossible for borrowers to reduce their loan balance early. 

Revise their customer service training and online portal to make this information clear and accessible. 

This issue is impairing my ability to manage my finances responsibly, and I believe it could be harmful to other borrowers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This is my second complaint. I called and tried to resolve the problem with no luck. First issue is XXXX  bills are not allowed on credit reports anymore. Second issue is the XXXX XXXX XXXX failed to file the claim properly but since the hospital has been sold to XXXX XXXX and after speaking with these people, they have no way to contact the former provider and do not have records of the claim so Im stuck with the balance. I have XXXX but have discovered that they have no record of that claim ever being filed. The balance is {$1200.00} without the claim being filed correctly and I have no way of knowing what the true amount would be if the claim had been filed correctly. This should not be my responsibility because the claim was not filed correctly and in a timely manner. Please help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: KY

Complaint narrative:
XXXX, THIS IS A COMPLAINT NUMBER ON CFPB IN 2024. COLLECTION COMPANY NEVER ANSWER. 

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 2025-05-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-28 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 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 2025-05-28 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial XXXX  and has severely impacted my XXXX. The process of addressing these errors has been both frustrating and XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2025-05-28 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: TX

Complaint narrative:
I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX tax payer. XXXX is a XXXX XXXX XXXX XXXX department of education. XXXX as of XX/XX/year> has illegally posted XXXX different XXXX loans as payment over XXXX days late. For XXXX years my loans were paid for through my taxes and paid in full. All XXXX major credit reporting agencies will Not change the status to paid in full. My XXXX student loans were in good standing for XXXX  years including XXXX, XXXX and XX/XX/year>. So how am I XXXX days late when illegal XXXX different loans all of a sudden show up? Credit reporting agencies allowing other older than XXXX  years to actively report as well for things I paid off too. So fraudulent and I want all this bad XXXX wiped off my credit report because I've worked hard to get my credit over XXXX now it's XXXX 's??? Wrong and illegal and I want it corrected ASAP because I'm trying to buy a XXXX house. My lease is up in XXXX  days. I won't be able to buy or rent with this XXXX going on. Please someone do the right thing for once! 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: TN

Complaint narrative:
b'These are the dates that inquires were made by Credit Karma on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX TX, XXXX Subject : Dispute of XXXX Account Request for Deletion Under FCRA Dear Experian I am writing to formally dispute the accuracy and validity of a XXXX  account reported on my credit file. The account in question is listed as follows : Creditor Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : ACCOUNT PAID IN FULL Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I am exercising my right to dispute incomplete or inaccurate information that is negatively affecting my credit profile. This XXXX  account is either inaccurate, incomplete, or unverifiable. I am requesting that it be investigated and removed in accordance with the law. 

Additionally, under XXXX XXXX XXXX XXXX, a furnisher of information to a credit bureau XXXX XXXX that the information is accurate and must conduct a reasonable investigation upon receiving notice of a dispute. 

I am requesting the following : A full reinvestigation of this account. 

All documentation used to verify the validity and accuracy of this XXXX 

Removal of the XXXX if verification can not be provided or if the data is incomplete or inaccurate. 

If the original creditor sold this debt to a collection agency, please also provide documentation of the transfer of ownership, including a signed contract or bill of sale. As required by the FDCPA ( XXXX XXXX Code XXXX ), if this debt is being reported by a XXXX debt collector, I request written validation of the debt, including the original amount and any interest or fees that have been added. 

Please complete your reinvestigation within XXXX  days of receiving this letter, as required under federal law. If this information is not verified as accurate, I respectfully request that it be deleted from my credit report entirely.

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 2025-05-28 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: DE

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
I was notified of a possible exposure of my personal information due to a data breach that was leaked. It wasn't my XXXX time receiving an alert like this but i didn't think nothing of it. Fast forward 2 years later i discovered dozens of accounts, inquiries that were not opened by me. It turns out someone used my information illegally to open numerous of XXXX  cards. As of right now i only have information for XXXX accounts. The XXXX are as follows. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$4100.00}. A " XXXX '' opened XX/XX/XXXX reporting an open balance of {$0.00}. A " XXXX XXXX '' opened XX/XX/XXXX reporting an open balance {$35.00}. To top it off the final " XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$460.00}. These XXXX accounts are the only accounts i have proper information about. There are XXXX XXXX XXXXXXXX  more i have to get proper information for to properly dispute them.

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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Hello, We had an insurance  claim on our house due to flooding from XXXX. In order to receive our insurance disbursement we require the mortgage company to endorse our checks. We satisfied ALL requirements on the letters ( see Attached ) we received from the mortgage company including the final inspection from XXXX XXXX however they are refusing to release our funds and have made XXXX effort to communicate why. 

We mailed our checks and all supporting documentation on XX/XX/2025 and have heard literally nothing from them so we called today XX/XX/2025 only to be told that we have to schedule an inspection with them and that it could take another XXXX business days. At NO point was this made clear that a XXXXXXXX XXXX inspection was required and we consider this to be materially interfering with our ability to be made financially whole. It shouldn't take nigh on a month to sign a check. 

We've provided them with the XXXX XXXX inspection, release of XXXX from the contractors everything we can possibly think of to prove that we've repaired our property using our own money and we just need them to sign but they keep dragging their feet. I consider this to be dereliction of their responsibility as a XXXX holder at this point, and regardless of whether its due to Freedom Mortgages incompetence, laziness or fraudulent intent is irrelevant, I just need the money that im rightfully owed and have been patient for long enough I genuinely hope your office can help me Thank you for your time.

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 2025-05-28 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 was told that Experian has put a hold on the removal of medical bill debt and is not following the law

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