vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am filing this complaint because Upgrade , Inc. is reporting inaccurate, false, and misleading information across ALL XXXX  credit bureaus XXXX XXXX XXXX XXXX  in violation of : - Fair Credit Reporting Act ( FCRA ) 623 ( a ) - FCRA 607 ( b ) Maximum Possible Accuracy - CFPB Furnisher Rules- XXXX Credit Reporting Standards I received a letter from XXXX XXXX XXXX dated XX/XX/year>, stating that Upgrade sold my account to XXXX on XX/XX/year>. Despite this sale, Upgrade continues to report as if they still own the account. 

Across XXXX XXXX XXXX XXXX, Upgrade is reporting : - A balance - Scheduled payments - Past-due amounts - Late payments after the sale date - OK statuses during delinquency - Ongoing updates after the account was sold These errors violate federal law. 

SPECIFIC VIOLATIONS XXXX. Reporting a Balance After Selling the Account XXXX. Reporting Late Payments After Sale 3. Conflicting Status Codes ( OK and delinquent simultaneously ) XXXX. Reporting Scheduled Payments After Sale XXXX. False Ownership Representation XXXX. Harm Caused to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
These are not any of my account I am a victim of identity 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX GA XXXXEquifax Information Services, LLC\nP.O. Box XXXX GA XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear Equifax,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Dear Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for ActionXXXX Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated timeframeXXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all XXXX  credit bureaus so they can update my report accordingly.XXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal Notice:XXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  ongoing and inaccurate derogatory reporting of my credit card account to all three major credit bureaus. This issue has created a significant and undue burden on my ability to build and maintain my credit health, and Capital One has repeatedly refused to correct the inaccurate information despite multiple attempts on my part to resolve this matter. 

It has been over a full year since my last late paymentyet Capital One continues to report my account as delinquent/adverse, which is factually incorrect and in direct violation of accurate credit reporting standards. I contacted Capital One to address this matter, and instead of investigating or correcting the erroneous reporting, the representatives informed me that their reporting was correct and refused to make any adjustments. This refusal to correct inaccurate data is both unprofessional and unacceptable, especially given the impact this is having on my XXXX XXXX, my financial stability, and my ability to obtain new credit opportunities. 

XXXX XXXX  refusal to correct their reporting, despite clear evidence demonstrating that the derogatory information is outdated and no longer applicable, constitutes a failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), which requires all furnishers of credit information to report data that is accurate, complete, and up to date. By allowing inaccurate, year-old derogatory information to remain on my fileand continuing to furnish XXXXCapital One is causing direct harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-25 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: NJ

Complaint narrative:
I have contacted this company multiple times regarding the alleged debt they are reporting. I first requested proper debt verification, and then requested the method they used to verify this information with the credit bureaus. In response, the company sent a packet containing monthly statements and a generic customer agreement, but they did not provide a signed contract or any agreement bearing my signature. They also failed to provide any documentation showing what evidence was used to verify the information they are furnishing to Experian, XXXX, or XXXX. 

Because they did not provide proof of the original agreement, proof of liability, or evidence of what was submitted to the credit bureaus, their response does not meet the legal standards for verification under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). They also did not provide any documentation demonstrating compliance with FCRA 1681s-2 ( b ), including verification of dates, balances, or account history. 

Despite this, the company continues to report and verify this account with all three major credit bureaus as accurate. They are furnishing negative information and confirming its accuracy without providing legally sufficient proof, which constitutes violations of FCRA 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation ), and 1681s-2 ( b ) ( furnisher duties to investigate and verify ), as well as FDCPA 809 ( b ) / 15 USC 1692g ( b ), which requires collection activity to cease until proper validation is provided.

Due to their continued reporting and verification of unvalidated information, I have also filed reports with the Federal Trade Commission ( FTC ) documenting these violations and the companys failure to provide required verification.

I am requesting the CFPBs assistance to require the company to provide the full documentation used to verify this account, including the original signed agreement and the evidence they relied on when verifying my disputes. I am also requesting that the company cease reporting and verifying this account until proper validation is provided, and that the account be deleted from all credit bureaus if they can not produce legally sufficient verification. I have acted in good faith, but the company continues to report unverified information, leaving me with no choice but to seek regulatory intervention.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I no longer attend that school I been XXXX XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
I am filing a complaint against Lennar Mortgage regarding unfair and improper FHA underwriting practices. 

My loan included a non-occupying co-borrower ( XXXX XXXX, who has been a long-standing, substantial family-type relationship in my life since XXXX. FHA guidelines ( Handbook 4000.1 ) allow non-blood, long-standing family-type co-borrowers, but Lennar denied this without reviewing any of my supporting documentation or allowing me to submit evidence of the relationship. 

When I asked the lender whether this denial was based on FHA rules or an internal policy, they did not provide clarification and instead stated that HUD said it was not allowed, which contradicts FHA policy and my understanding of HUD procedures. 

After the denial, my co-borrower agreed to be an occupying borrower. Under FHA rules, an occupying borrower is only required to sign the Intent to Occupy certification. However, Lennar Mortgage is now requiring documentation that goes far beyond FHA guidelines, including : termination of his current lease, removal from his current rental agreement, adding children to his lease, and a detailed explanation of household composition. 

These requirements are not part of FHA guidelines, conflict with FHA 4000.1, and impose unnecessary and prohibited conditions on the loan process. FHA does not require proof of lease termination, landlord documentation, or modification of a borrowers rental agreement in order to occupy a new FHA property.

I am requesting CFPB review because the lender : Misrepresented FHA/HUD guidelines Denied an FHA-allowed co-borrower type without reviewing documentation Imposed non-permissible, unnecessary conditions Required documentation beyond what FHA allows Refused to escalate or clarify their internal policy This has caused significant delays and placed me in a position where I am being required to alter a private rental contract in ways that are not required under FHA rules.

I am requesting CFPB assistance to ensure Lennar Mortgage follows FHA guidelines and removes any prohibited or unnecessary conditions.

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 2025-11-25 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: TX

Complaint narrative:
I am submitting this complaint intentionally and not in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing significant distress and negatively impacting my life in profound ways during challenging times. Correcting or removing them would provide substantial relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Subject : Misleading Pre-Approval Denial Reason / Inaccurate Explanation Provided Complaint : On XX/XX/year>, I submitted an online pre-approval request for the Capital One T-Mobile credit card. I received a written notice stating that I was not pre-approved and that my income was insufficient for the amount of credit requested. 

The letter also states that this was not a credit application, and no credit check was performed. This is the issue : 1. It is not possible to determine insufficient income without a credit evaluation. 

If no underwriting, credit inquiry, or verifiable assessment took place, the stated reason ( insufficient income ) is misleading and inaccurate. This contradicts the Fair Credit Reporting Act and Equal Credit Opportunity Act requirements that denial reasons must be accurate and reflect the actual basis for the decision. 

2. I believe the denial reason was a generic or automated explanation that does not reflect the true basis for the decision.

A creditor can not state income insufficient without reviewing any data related to income, debt, or creditworthiness. Since Capital One confirmed they performed no credit check, the reason given can not logically be the true factor.

3. I am entitled to a clear, accurate explanation of the factors used. 

XXXX requires that adverse action notices provide a correct reason for a denial. Even though Capital One states this was a pre-approval and not a formal application, the company still provided an adverse-action-style notification containing an incorrect, mechanically generated reason. 

4. I am requesting clarification and correction. 

I am requesting : A statement of the actual reason my pre-approval was declined. 
Confirmation of whether an internal policy restriction or other non-income-related reason was the real basis for the decision. 
Whether any internal historical account data ( even decades old ) was used. 

I am not disputing Capital Ones right to approve or deny credit ; I am disputing the accuracy and honesty of the reason given. 

The explanation provided does not reflect the facts and appears intentionally misleading. I am requesting that the CFPB ensure Capital One issues an accurate explanation of the basis for this pre-approval denial. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I signed up for a new credit card with Bank of America. Upon activating it I attempted to sign-up for auto pay, but Bank of America 's system would not allow this until I received my first statement. Upon receiving my first statement on XX/XX/XXXX, I signed up for autopay on XX/XX/XXXX, assuming this would be applicable for my upcoming payment as of XX/XX/XXXX. To my surprise the payment did not go through. I contacted XXXX from Bank of America customer support who stated this was the way the system is designed. I was charged {$290.00} in interest. This is predatory and deceiving. For me to setup autopay and then for it to skip the upcoming statement nonsensical. When I raised the issue with XXXX he said he would not be refunding my interest and I should have performed a one off manual payment. My belief is Bank of America knows about this issue, but encourages it to persist to assess consumers with high credit card interest rates on their first 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 2025-11-25 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: CA

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 2025-11-25 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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