vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I dispute the bankruptcy reporting on my credit file. Pursuant to 15 U.S.C. 1681i and 1681e ( b ), you are required to verify this information with the original source the court. I contacted the court, and they advised they do not report or verify to credit bureaus. If you can not obtain direct verification from the court, you must delete this item from my file. 

Under 15 U.S.C. 1681i ( FCRA Reinvestigation ) : When I dispute an item, the bureau has 30 days to verify it with the source. 
If they can not verify it with the original source ( the court ), they must delete it. 
If XXXX XXXX and Experian are relying on XXXX instead of the actual court, that it is argued as : Failure to conduct a reasonable investigation ( 1681i ).

Failure to assure maximum possible accuracy ( 1681e ( b ) ).

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I responded to an advertisement stating that I could bring in a trade-in, regardless of how much I owed, and they would help me get into a car. My trade-in was ultimately not accepted, and no one clearly explained what I was being asked to sign. I visited the dealership on XX/XX/year>, but the decision regarding the loan was not mailed to me until XX/XX/year>. They indicated that they were going to change the loan because the collateral was not sufficient. 

I was offered to take a car home to test for the n

ext three business days, but the initial loan was denied, and another loan offer was made without my agreement. The dealership expected me to take their vehicle along with my own tr
ade-in, effectively committing me to two car loans, which I did not agree to and was never the reason I came to the dealership. I have worked hard to maintain a credit score above XXXX and will not take on multiple loans unnecessarily. 

Throughout the process, things were moving very fast. I requested to speak with a manager or someone from the finance team to clarify, but my request was ignored. I felt that the situation was mismanaged and handled poorly, and the experience did not align with what the dealership advertised.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This communication is to dispute fraudulent accounts wrongfully tied to my credit report. I have no connection to these accounts and did not authorize or open them in any form. Their presence constitutes a serious inaccuracy that misrepresents my financial history, damages my reputation, and creates harmful consequences for my ability to maintain a fair credit standing.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
They contacted my sister repeatedly for weeks demanding for us to pay for the debt. My sister had told them how the money they were trying to make me pay back isnt available because I was scammed out of it. They didnt even ask my sister to put me on the phone at any given time. They just kept calling and demanding that we pay it. This was so embarrassing for my family to find out, I want to take legal action if this is not taken off my credit. I had given the XXXX bank proof of me getting scammed and how I am not responsible of having any of the money and they told me they were gon na take care of it. Then I start getting calls from sunrise saying Im supposed to paying over XXXX. XXXX should be held responsible for clearing a check then having it bounce back.

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 2025-09-09 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/year> put in hardship request for loan # XXXX. I just paid the loan on XX/XX/year> for {$100.00}. I pay when my SSDI is received once a month the XXXX each month. No one helped adjust the new due date from XX/XX/year>. I called spoke to two reps and stated I can not make a payment until XX/XX/year>. Upstart offered bad customer service for hardships, it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Original Creditor was XXXX XXXX. It was Purchased by LVNV FUNDING LLC. They will not provide proof of debt agreement between them and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I disputed a purchase that was paid with Affirm but was never received. Despite showing abundant evidence that the merchant never shipped my order, Affirm keeps ruling in favor of the merchant. There is no way that they seriously considered my evidence. The evidence is very clear in my case. On XX/XX/XXXX, I placed an order with a company called XXXX ( order # XXXX ). On XX/XX/XXXX, XXXX canceled my order, without ever shipping it. The merchant provided a promo code as a store credit, but then deactivated the promo code so that I couldn't use the credit. 
When I disputed the purchase with Affirm, the merchant provided Affirm with a tracking number that was for a previous order ( order # XXXX ) and, even though I sent screenshots showing the old order number ( # XXXX ), date the order was placed, and shipping confirmation ( with the tracking number ) -- for the order that was placed and shipped BEFORE I even placed the order with Affirm ( XX/XX/year> ) -- Affirm keeps siding with the merchant, saying that the order was shipped and I'm responsible for payment. There is no way that they actually looked at the evidence in my case. It's very clear to see that the order that was shipped is not the order that I am disputing with Affirm. The order I disputed with Affirm was canceled and I've not been given a refund or a valid credit towards a new purchase. Yet, Affirm ruling in the merchants favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX DOB : XX/XX/XXXXXXXX  SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Identity Theft Request for Immediate Blocking of Fraudulent Information To Whom It May Concern, I am submitting this complaint because I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( FCRA ), a consumer reporting agency must block the reporting of information identified by the consumer as resulting from identity theft no later than 4 business days after receiving such notice. It has been more than 30 days since I notified you, and you remain in violation of this federal law. 

The following accounts are fraudulent and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for permissible purposes and with the written consent of the consumer. I never authorized or provided written consent for these fraudulent accounts to be reported. Reporting this information without my consent is a violation of my rights as a federally protected consumer. 

I have attached supporting documentation, including : 1. Government-issued ID 2. Proof of current address 3. Identity Theft Report ( FTC affidavit and/or police report ) Requested Action : Immediately block and permanently delete the fraudulent accounts listed above. 
Provide written confirmation that the items have been removed. 

If these items are not removed, I request that the CFPB take action to enforce compliance. 

Sincerely, 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 2025-09-09 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: SC

Complaint narrative:
Two XXXX XXXX XXXX XXXX credit cards are reporting balances of {$650.00} and {$360.00} with late payments in XXXX and XXXX. Both are showing past due amounts that I believe are inaccurate. A XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX for {$14000.00} was paid and closed on XXXX, but the report shows four late payments that I dispute. XXXX XXXX is reporting a closed account opened XXXX with a {$380.00} balance in collections, showing XXXX negative months in XXXX. I also see hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX, and XXXX XXXX on XXXXXXXX  that I did not authorize. I request investigation, correction, and removal of inaccurate or unauthorized items.

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 2025-09-09 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
The company sent the debt to a lawyer. I settled the debt and the debt is still showing in my credit report. Under 15 U.S.C. 1681i ( a ), I am requesting that your agency conduct a reasonable reinvestigation of this/these item ( s ) and remove or correct the information if it is found to be inaccurate, incomplete, or unverifiable. Please delete off my credit report.

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 2025-09-09 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: GA

Complaint narrative:
I am filing this complaint because I already disputed the DeptdeXXXX account with the credit bureaus, and it is still being reported inaccurately. 

TransUnion shows it as open/current with a balance of about {$5300.00}. 

Experian reports it as a collection/charge-off and sometimes as disputed. 

Equifax reports it differently again, with a balance closer to {$3500.00}. 

These contradictions prove that the account is not being reported in a way that is accurate, consistent, or verifiable. This violates the FCRA ( 607 ( b ) ) and fails Metro 2 reporting standards.

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 2025-09-09 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:
I am filing this complaint because I already disputed the DeptdeXXXX account with the credit bureaus, and it is still being reported inaccurately. 

TransUnion shows it as open/current with a balance of about {$5300.00}. 

Experian reports it as a collection/charge-off and sometimes as disputed. 

Equifax reports it differently again, with a balance closer to {$3500.00}. 

These contradictions prove that the account is not being reported in a way that is accurate, consistent, or verifiable. This violates the FCRA ( 607 ( b ) ) and fails Metro 2 reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal dispute regarding fraudulent accounts listed on my credit report. I did not authorize or open these accounts, nor do I have any connection to them. Their reporting is inaccurate, harmful, and constitutes a serious misrepresentation of my financial history.

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 2025-09-09 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: MO

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 2025-09-09 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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