vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
On XX/XX/XXXX, my student loans eere reported as past due on my credit report. My loans were forgiven under the Covid debt relief program and prior to that also because XXXX filed bankruptcy and closed because of a lawsuit and lost their accreditation. Department of Education, put those loans back on my credit report and reported as negative making my credit score go down XXXX points.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
EXETER FINANCE LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research EXETER FINANCE LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a Bank of America acct and someone wrote me a check to fund my business and the check bounced and BOA closed my acct.

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 2025-06-19 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX and reflected on my report with Equifax Information Services LLC. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with Equifax Information Services LLC, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose.

Despite my dispute, Equifax Information Services LLC responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 
Additionally, the actions of Equifax Information Services LLC and XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Request for Deletion of Collection Account Metro 2 Compliance and Legal Citations Dear Sir or Madam, I am writing as a responsible consumer to formally dispute the accuracy and validity of the following collection account currently being reported on my credit file. This dispute is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Please investigate and remove the account listed below, as it does not comply with the accurate reporting standards under Metro 2 Format Guidelines and relevant federal laws : * Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened/Placed for Collection : [ XX/XX/year> ] * Reported Balance : XXXX XXXX XXXX ] Legal Basis for Dispute : 1. 15 U.S. Code 1692g Validation of Debts : I have not received proper debt validation as required within the 30-day period. Since the debt has not been verified with the appropriate documentation, this account should not continue to be reported. 
2. 15 U.S. Code 1692c Improper Communications : I request a review of any communication practices used by the debt collector, as there may have been unauthorized or prohibited contact made without my consent.

3. 15 U.S. Code 1681e ( b ) Accuracy of Information : The continued reporting of this account, without full verification and in compliance with Metro 2 standards, may constitute inaccurate reporting and a violation of my rights under the FCRA. 

I respectfully request that you investigate this matter and delete the account from my credit report if it can not be fully verified according to Metro 2 data standards and federal law. Please provide me with the results of your investigation, and if any updates are made, send an updated copy of my credit report. 

Thank you for your attention to this matter. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-19 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: WV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Social security number XXXX my complaint is that experian refused to remove negative account ending in XXXX that's 30 days late their a federal trade commission identity report on filed normally they remove information and on trans union theirs 4 negative account s ending in XXXX XXXX charge off and inquiries

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 2025-06-19 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: NY

Complaint narrative:
Social security number XXXX my complaint is that experian refused to remove negative account ending in XXXX that's 30 days late their a federal trade commission identity report on filed normally they remove information and on trans union theirs 4 negative account s ending in XXXX XXXX charge off and inquiries

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, my personal information was used without my knowledge or consent to obtain a personal loan from Upstart. 

In XX/XX/XXXX, I learned of the fraudulent account after it was reported on my XXXX  credit report. 

In XX/XX/XXXX, I filed an Identity Theft Report with the FTC on XXXX. I also filed a dispute with XXXX. In support of my dispute I attached a copy of the FTC identity theft report, a copy of my drivers license, and proof of address. XXXX  advised that they contact Upstart and Upstart refused to remove the account from my credit report. 

In XX/XX/XXXX, I received a letter from Upstart that included loan documents that I did not sign, had no knowledge of, and did not belong to an account that I authorized or opened. Upstart requested a copy of the FTC Identity Theft report, my drivers license, and a letter from my bank indicating fraudulent unauthorized charges to the account. Therefore, I submitted a copy of my competed Identity Theft Report filed with the Federal Trade Commission ( FTC ) at identitytheft.gov and a copy of my valid government-issued ID ( drivers license ) and documentation related to a XXXX XXXX account ending in XXXX. Accordingly, I have provided all of the requested documentation in support of my dispute. 

Upstart has continued to disregard my dispute and continues to sell the debt to various creditors who contact me from various different phone numbers throughout the day and refuse to assist with my dispute in violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Formal Dispute Under FCRA and 15 USC -1681 - XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the accuracy of the information being reported on my credit file related to the above-mentioned account. As per the Fair Credit Reporting Act ( FCRA ) and 15 USC -1681, I request that this item be thoroughly investigated and validated. 
The account currently reflects a charge-off with a balance of {$3500.00}, which I believe is either inaccurate, unverifiable, or reported in error. I am requesting that this item be deleted from my credit report unless the furnisher can provide competent evidence of the validity of the debt, including original signed documents. 
Please complete your investigation within the 30-day period as required by federal law, and send me written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: 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 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
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/scrub>XXXX XXXXXXXX  Date : 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 2025-06-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, RE : Formal Dispute & Request for XXXX XXXX XXXX  Account Date Reported : XX/XX/XXXX Balance : {$0.00} | XXXX XXXX : {$200.00} Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment Status : 6089 Days Late Remarks : Paid Closed by XXXX XXXX I am writing to formally dispute the continued reporting of the above-referenced XXXX XXXX account . While the account is listed as paid with a {$0.00} balance, it continues to reflect a derogatory 6089 days late payment status and contains several violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data furnishing guidelines. I am requesting the immediate and permanent deletion of this tradeline from my credit report for the following reasons : Violations & Inaccuracies : 1. Incomplete Reporting Missing Monthly Payment Field The account lists No Info under the monthly payment field. 
Violation : According to Metro 2 compliance standards, all revolving accounts must include a properly populated monthly payment field. Failure to do so constitutes incomplete reporting and violates FCRA 1681e ( b ), which requires data to be both accurate and complete. 

2. Derogatory Status with {$0.00} Balance and Paid Designation The account is marked as paid with a {$0.00} balance and closed status, yet continues to reflect a current 6089 days late status.

Violation : This is both misleading and contradictory. No delinquency should exist if the account was settled and closed. Continued reporting of a derogatory status under these conditions mischaracterizes my credit profile and violates FCRA 1681e ( b ).

3. Improper Use of Warning Codes in Payment History The payment history is populated with vague Warning indicators across multiple years instead of clear and accurate industry-standard codes ( e.g., OK, XXXX, CO ). 
Violation : This is a clear Metro 2 formatting violation, resulting in inaccurate and potentially damaging credit analysis. It renders the data unreadable and non-compliant with credit industry standards.

4. Negative Notation Closed by XXXX XXXX The remark Account closed by XXXX XXXX may suggest a negative event. Since the account was paid and no charge-off is listed, this language is ambiguous and implies risk to underwriters. 

Violation : If this notation is inaccurate or unsupported by documentation, it constitutes a violation of FCRA 1681i ( duty to correct inaccurate information after dispute ).

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