vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I have contacted this company to find out the charge off that they have on my credit report. Why is it reporting late and I also requested for a 1099C which I have not received yet or received any feedback about either question that I asked, so I need you guys to intervene to see if I can come to some kind of closure dealing with the matter of false reporting.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX ( Account No. XXXX ) and XXXX XXXX  ( Account No. XXXX ) were opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. 
Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 filing a complaint against XXXX XXXX XXXX for reporting a late payment inaccurately on my credit reports. The account in question ( Account # : XXXX ) was initially reported as late in XX/XX/year>, but it has now been changed to show a late payment in XX/XX/year> across the credit bureaus. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy, and raises concern over possible re-aging or mishandling of my payment history.

I have disputed this with XXXX, XXXX, and TransUnion, and I am requesting that the CFPB investigate this matter and require the furnisher and bureaus to provide verifiable documentation or remove the inaccurate late payment entirely. 

This incorrect reporting is damaging my credit and does not reflect accurate or consistent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
This company has charged off debt, request a 1099 c but was not given this documentation but the account was sold to a third party whos trying to sue me for the full debt amount. Per all credit reporting agencies its stating CHARGED OFF/PROFIT LOSS, secondly I have used my full name for the last 17 years the name in which they are trying to sue under isnt my legal name, per passport and state issued drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Opened on XXXX XXXX, XXXX Balance : {$3200.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX. 
Opened on XX/XX/XXXX Balance : {$2500.00} XXXX Opened on XX/XX/XXXX Balance : {$1400.00XXXX XXXX Opened on XX/XX/XXXX Balance : {$1500.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Opened on XXXX XXXX, XXXX Balance : {$18000.00}

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 2025-08-06 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: NC

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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 seven 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 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 2025-08-06 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:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-06 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: FL

Complaint narrative:
Im following up on my previous request to remove fraudulent items from my credit file. These accounts are not connected to any transactions I made or authorized, and I believe they resulted from identity theft.

Some of these items have already been removed by other credit bureaus, which raises further concerns about their accuracy. The payment history reported is unclear and unfamiliar to me.

Under FCRA 605B ( c ) ( 1 ) ( C ), I understand you may only keep such information if it's proven to be accurate. So far, I havent received any valid proof.

Please review and remove the disputed items from my file as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Denied consumer credit type of transaction breach of fiduciary duty and depravation of XXXX given right to obain credit as Original creditor. and due to improper use of my private Trademarked information & Property Tribally owned. I provided Value and Collateral and recieved nothing in return and due to Fact I am XXXX XXXXXXXX i believe public law states that i am eligible to incur debt See also 18 USC 8. Also 12 USC 411. Also see Federal reserve attached OC 10 agreement and OFAC Document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
In XXXX, a fraudulent child support account was opened under my name by the XXXX XXXX XXXX XXXX ( XXXX  ). I was never legally established as the father in the original divorce, and this was confirmed in court documents I submitted. Despite this, the XXXX  continued reporting the account to credit bureaus. 

In XX/XX/XXXX, I disputed the account with Experian. The account was removed from my report however, shortly after, Experian added a variation of my Social Security Number that I never submitted or authorized. 

Meanwhile, XXXX  and XXXX  still report the account as closed, but it is accruing monthly charges and reporting a new balance of {$22000.00} despite the XXXX  own portal still showing a balance of {$39000.00}. 

It now appears that the XXXX used or submitted a fraudulent SSN variant to maintain the account after removal. This raises serious concerns about identity fraud, FCRA violations, and data tampering by a state agency. I am requesting an immediate investigation into how this SSN variation was introduced and why credit reporting continues on a closed and disputed account.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX credit card account {$1700.00} had {$74.00} payments made toward the account the last 6 months and they failed to properly indicate payment history, also account was paid in full over ( 30 ) days ago and company has not updated any and or all three bureaus. I requested the payment history be updated and account status be updated and still no action. This Account needs to reflect PAID IN FULL OR DELETED IMMEDIATELY. 

XXXX XXXX XXXX No balance due and account was deleted by XXXX  however, still negatively and improperly reflecting with XXXX  and XXXX  XXXX Resulting in adverse action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Money was sent to unknowingly from my account to people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
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
Consumer complaint received 2025-08-06 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:
To Whom It May Concern, I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Disputed Account Details : Creditor Name : XXXX Card Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines. 
Legal Grounds for Dispute : XXXX U.S.C. XXXX : Mandates a minimum XXXX-day grace period before a payment can be reported as late. 
XXXX U.S.C. XXXX ( XXXX ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly. 
XXXX U.S.C. XXXX : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act. 
XXXX U.S.C. XXXX ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation. 
XXXX. Immediate reinvestigation of the reported entries. 
XXXX. A written summary of the results. 
XXXX. An updated copy of my credit report reflecting any amendments made.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am requesting an investigation into inaccurate and negative information reported on my credit file by Equifax, Experian, and TransUnion. I have reviewed my credit report and identified items that I believe are either outdated, unverifiable, or incorrect. These entries are negatively impacting my credit standing and do not reflect accurate reporting based on my records. 

I have attempted to dispute these items directly with the credit bureaus, but the responses have not resolved the issue. Therefore, I am filing this complaint in hopes that the CFPB will assist in reviewing the matter and ensuring that only accurate and verifiable information remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-08-06 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: AK

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AK

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief