vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
DEARNATIONAL RECOVERY NATIONAL XXXX MASSACHUSETTS : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am an active-duty service member protected under the Servicemembers Civil Relief Act ( SCRA ). I have two personal installment loans with Upstart : Loan XXXX : {$5000.00} origination on XX/XX/XXXX, outstanding principal {$1800.00}, interest rate 7.2 %. 
Loan XXXX : {$2500.00} origination on XX/XX/XXXX, now fully paid, interest rate 23.28 %. 

When I first contacted Upstart, I requested that SCRA protections be applied to my loans, including reducing the interest rate to 6 % and confirming the correct coverage period. I provided multiple official documents, including my XXXX, XXXX, and XXXX XXXX, showing my XXXX  XXXX  from XX/XX/XXXX, through XX/XX/XXXX. 
Despite this, Upstart continues to insist that my SCRA coverage ends in XX/XX/XXXX, using the date listed on my XXXX  orders from XXXX XXXX  and XXXX to XXXX XXXX. This is not my actual XXXX  date and can not legally limit SCRA protections. 
Additionally, when I originally opened my loans, my last name was XXXX ( maiden name ). After XXXX XXXX XXXX, I legally changed my last name to XXXX and have provided documentation linking both names to the SCRA team. Upstart can not refuse or limit SCRA protections due to a name change, yet they continue to ignore verified documentation. 
I have contacted Upstart multiple times via [ email/portal messages/calls ] to correct the coverage period and confirm SCRA protections. However, the company has refused to acknowledge or adjust my loans. As a result, interest may have been applied above the 6 % SCRA limit, and Upstart is knowingly disregarding verified military documentation. 
I am requesting that Upstart : Correct the SCRA coverage period to reflect my verified active-duty service through XX/XX/XXXX. 
Refund or adjust any interest or fees applied above the 6 % limit during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security number:XXXX My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXXFLORIDAXXXX

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 2025-10-27 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-27 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: MA

Complaint narrative:
I am filing a complaint against Equifax Information Services LLC for reporting inaccurate and inconsistent information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

On XX/XX/year>, I obtained my Equifax credit report and found several derogatory accounts reporting inaccurate and inconsistent payment histories. These errors have caused me measurable financial harm, including credit denials and higher borrowing costs. 

I sent a formal dispute letter dated XX/XX/year>, requesting Equifax to conduct a reasonable reinvestigation under 1681i ( a ) ( 1 ) ( A ) and verify each account using original source documentation rather than automated e-OSCAR data. I also cited 1681e ( b ) requiring maximum possible accuracy and 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring written results within 30 days. To date, these issues remain unresolved. 

The specific accounts in dispute are : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) Reports 6089 days late as of XX/XX/year>. 

I dispute this late payment as the due date, payment receipt, and balance history appear inconsistent with prior reporting months. 

I request verification of due date, payment date, and how the alleged delinquency was calculated. 

XXXX XXXX XXXX XXXX XXXX a late payment from XX/XX/year> with unclear delinquency details. 

I request verification of the amount due, the date of delinquency, and when the payment was applied. 

I reminded Equifax that Metro 2 reporting standards require consistency across all credit bureaus and that payment history, balances, and delinquency codes must be accurately reflected. 

As a result of these reporting errors, I have been denied a personal loan and a cell phone financing plan, leading to financial hardship, embarrassment, and emotional distress. I am a working mother doing my best to rebuild my credit, and these inaccurate reports have caused setbacks and unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Im writing to share my concerns about how Chime handles account disputes, especially in light of the recent CFPB lawsuit that revealed serious issues with their practices. Ive personally experienced problems with transactions and, despite reaching out to Chime multiple times, my disputes were not properly investigated. I was told that my lost funds couldnt be recovered and that there was no way to trace the transactions. 

Its troubling to learn that Chime has a pattern of failing to protect its customers from repeat offenders and scams. This lack of transparency and accountability has left me and many others feeling unprotected and unheard. I hope the CFPB will continue to hold Chime accountable and ensure better safeguards for consumers moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 am submitting this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate and unverifiable information on my consumer credit files, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my written disputes sent on XX/XX/year>, the bureaus have failed to properly verify or remove these accounts and incorrect personal data. 

Unverifiable / Inaccurate Accounts Each bureau continues to report one or more accounts that I have formally disputed as inaccurate or unverifiable. 
These furnishers have failed to provide any signed consumer contracts or validation documentation proving that I authorized or owe these debts, as required under FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). 

Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False reporting / FDCPA 807 violation misleading and inaccurate account Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No response to validation request in over 30 days Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No response to validation request unverifiable TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False reporting / FDCPA 807 violation unverifiable TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days These entries have not been verified with original signed applications or contracts. Reporting unverifiable information is a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( failure to properly reinvestigate disputed information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 am submitting this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate and unverifiable information on my consumer credit files, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my written disputes sent on XX/XX/year>, the bureaus have failed to properly verify or remove these accounts and incorrect personal data. 

Unverifiable / Inaccurate Accounts Each bureau continues to report one or more accounts that I have formally disputed as inaccurate or unverifiable. 
These furnishers have failed to provide any signed consumer contracts or validation documentation proving that I authorized or owe these debts, as required under FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). 

Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False reporting / FDCPA 807 violation misleading and inaccurate account Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No response to validation request in over 30 days Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No response to validation request unverifiable TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False reporting / FDCPA 807 violation unverifiable TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days These entries have not been verified with original signed applications or contracts. Reporting unverifiable information is a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( failure to properly reinvestigate disputed information ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NV

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : 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 2025-10-27 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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