vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MI

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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Netcredit deposited {$3900.00} USD with me on XX/XX/XXXX. I made XXXX payments for a total of {$3600.00} USD. The last payment was made on XX/XX/XXXX. 

Netcredit offering to pay {$5100.00} USD in XXXX payments. If the payments are made every two weeks, it will take me almost two years to pay you. In the end, I will end up paying {$8700.00} USD, which is equal to XXXX XXXX. 

It's a lot of money that I don't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Re : Accounts in Dispute XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the accuracy of the above-referenced accounts pursuant to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA, 15 USC 1666b ). 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a {$0.00} balance but also states Unpaid balance reported as a loss. This is contradictory. 

Payment history shows repeated CO notations each month through XXXX, which constitutes illegal re-aging under FCRA 605 ( c ).

Dates of last activity inconsistent with other bureaus. 

Inconsistent dispute notations ( Account was in dispute now resolved ) compared to XXXX XXXX violating FCRA 611 . 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports XXXX lates in XXXX and XX/XX/XXXX, while XXXX  reports no lates and XXXX  is incomplete. This is inconsistent and inaccurate. 

Balance reported as {$20000.00}, conflicting with XXXX XXXX 

Repeated late payment reporting violates 15 USC 1666b, requiring accurate and timely crediting of payments. 

XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status reported as Late 180 Days here, while XXXX  and XXXX  report 120 Days Late. This is a material inaccuracy under FCRA 607 ( b ).

Payment history does not align with other bureaus different months marked late vs. current.

Inaccurate late payment reporting also violates 15 USC 1666b. 

Verification Required Under FCRA 611 ( a ) ( 7 ), I demand disclosure of the method of verification for each account listed above, including : The name and job title of the person you spoke to at XXXX, XXXX XXXX, and XXXX 

The date and time of verification contact. 

The method and documentation relied upon to verify accuracy ( signed contracts, original statements, payment records, etc. ). 

If you can not provide full verification, you must delete these accounts under FCRA 611 ( a ) ( 5 ) ( A ).

Requested Action : Delete or correct these accounts immediately. If proper verification can not be provided, the accounts must be removed in full compliance with FCRA 607 ( b ), 611, 623 ( a ), and TILA 1666b. Continued reporting without proof will be treated as willful noncompliance. 

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a personal loan with Pentagon Federal for {$5000.00} which the balance is {$2300.00} but its reporting that my debt has increased on a personal loan {$15000.00} or more, my credit rating suffered an impact in the midst of me acquisitioning another account I was denied this account is also showing inaccurate payment history showing almost a year of unknown payments.

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 2025-09-03 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate, mixed, and unauthorized items that fail the FCRAs maximum possible accuracy standard and are causing serious, ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX, I became aware through my credit report notifications that there were two loans that total a little bit more than {$800.00}, opened in my name at Uplift ( later acquired by Upgrade , Inc ) around XX/XX/XXXX. I promptly disputed these tradelines with all 3 credit bureaus because I have never applied for a credit with this company. I filed a police report for ID theft with my local police precinct and also filed an ID theft report with CFPB. I sent this information to all three major credit report bureaus along with my supporting documentation. The credit bureaus removed the fraudulent information from my credit file and placed a freeze on my credit report. I also sent this information to the lender, Upgrade via email and they responded on XX/XX/XXXX. I replied back and provided additional information and the company erroneously has continued to ignore my request to remove this from my credit file and now have sold this debt to a collection agency. I most recently provided additional information on XX/XX/XXXX. 

These fraudulent accounts have caused significant harm to my credit profile. The accounts appear as delinquent or unauthorized lines of credit, which has negatively impacted my credit score. This has interfered with my ability to qualify for legitimate credit and financial services and has caused undue stress and damage to my financial reputation. These consequences are entirely unjust, as I was not involved in or aware of the accounts creation or activities. 

I am the victim of identity theft and did not authorize or have any knowledge of the account opened with Upgrade/Uplift , Inc . I did not apply for any financial products or services with this company, nor did I give consent for anyone to use my personal information for such purposes. The accounts in question were opened without my knowledge or approval, and I only became aware of it when I noticed suspicious activity on my credit report and/or received unexpected correspondence regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon logging into my Experian credit profile, I noticed an address attached to my name. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have no knowledge of this address and I have never lived outside of XXXX. 

I attempted to delete the address online with Experian but was notified that it was attached to an " account '' without specifying which account. I have henceforth written to Experian to remove and provide all information related to the fraudulent address and accounts. I have also filed and obtained a police report number from the XXXX, XXXX  Police Department, which is the police department my address falls under. I have also locked my credit file with Experian. 

I need a fraud alert attached to my credit report until this matter is fully resolved.

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Experian The following debt MUST be removed as per Federal Law since it is related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480 : The XXXX XXXX {$730.00}

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 2025-09-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Re : Accounts in Dispute XXXX  # XXXXXXXX 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  To Whom It May Concern, I am disputing the accuracy and completeness of the above-referenced accounts under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA, 15 USC 1666b ). 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a balance of {$7500.00}, conflicting with XXXX  {$0.00} balance. 

Date of last activity reported as XX/XX/XXXX, while other bureaus show XX/XX/XXXX and XX/XX/XXXX. These discrepancies extend the reporting period unlawfully. 

Remarks only state Charged off account, without the same dispute notation reflected at other bureaus incomplete reporting under FCRA 611. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance shows {$21000.00}, conflicting with Experians {$20000.00}. 

Status shows Late 30 Days, but payment history is incomplete and missing months. 

Failure to maintain uniform payment history is misleading and inaccurate. 

Misreporting of late payments violates 15 USC 1666b, which requires proper crediting and application of payments. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status reported as 120 Days Late here, while XXXX  shows 180 Days Late and XXXX  also shows 120 inconsistency under FCRA 607 ( b ).

Last verified date is XX/XX/XXXX, over a year behind other bureaus ( current through XX/XX/XXXX ). This is outdated and incomplete reporting. 

Payment history does not match other bureaus, reflecting different months of delinquency. 

Inaccurate late payment reporting also violates 15 USC 1666b.

Verification Required Pursuant to FCRA 611 ( a ) ( 7 ), I am demanding disclosure of the method of verification for each account above, including : The name and job title of the individual you spoke with at XXXX, XXXX XXXX, and XXXX 

The date and time of each verification. 

The exact method and documentation relied upon to verify the accounts ( signed agreements, original statements, payment records, etc. ). 

If Equifax can not provide full verification, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete these accounts. 

Requested Action : I demand immediate deletion or correction of these accounts. If proper verification can not be provided, the accounts must be removed in full compliance with FCRA 607 ( b ), 611, 623 ( a ), and TILA 1666b. Continued reporting without documented proof will be treated as willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I just got an answer from the bank and you the consumer finance protection agency. It was not an answer at all didn't say anything about my check I wanted to return to social Security check. Nothing about the money that they gave away in unauthorized payments. I'm starting to think there is some criminal felony type fraud going on here because they keep skirting the issues. I do believe the police department will be the next agency I go to. 
GIVE ME BACK MY SOCIAL SECURITY AND THE MONEY YOU GAVE ON THE 3 UNAUTHORIZED DEBITS CHARYES.

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 2025-09-03 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: GA

Complaint narrative:
Experian, Equifax, Transunion reporting inquires from several companies that I did not approve, recognize, nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
To Whom It May Concern : I dispute the accuracy and completeness of the XXXX XXXX XXXX tradeline in my TransUnion file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This item is inaccurate and/or unverifiable. Please conduct a reasonable investigation and delete or correct it. 

Furnisher : XXXX XXXX XXXX Account # : XXXX Requests Under the FCRA Under FCRA 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), please : Conduct a reasonable investigation and delete or correct the XXXX XXXX  tradeline within 30 days of receiving this dispute. 

Mark the item as in dispute for the duration of your reinvestigation and ensure any credit reports issued during that period reflect the dispute. 

Provide the method of verification, including the name, address, and telephone number of the furnisher and a description of the procedures used, as permitted by 611 ( a ) ( 6 ) ( B ) ( iii ). 

Send me an updated free copy of my TransUnion credit report reflecting the results of your reinvestigation, per 611 ( a ) ( 6 ) and 612.

Ensure the furnishers compliance with FCRA 623 ( 15 U.S.C. 1681s2 ), including its duties to investigate, report the dispute, and correct any information it determines is inaccurate or can not be verified. 

If any previously deleted information is reinserted, notify me in writing within XXXX business days and identify the furnisher, as required by 611 ( a ) ( 5 ) ( 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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