vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a formal complaint against Experian on XX/XX/year>, regarding being locked out of my online account and denied access to my credit file. Experian acknowledged receipt on XX/XX/XXXX but did not respond until XX/XX/XXXX, well beyond the XXXX legal timeframe for resolution under the FCRA. Their response falsely claimed I had no online account and instructed me to re-register. However, I experience repeated system errors every time I attempt to do so ( screenshot attached ). 

I also attempted to reset my password, but your system attempts to text a verification code to an outdated phone number that I can no longer access. Experian refuses to offer a way to update my contact info without logging in, which I can not do. Ive tried calling multiple times but your automated system does not allow escalation to a live representative, effectively trapping me in a loop and denying me any form of real help. 

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I am unable to access my credit report, unable to file disputes on inaccurate data, and Experian is blocking resolution by refusing human assistance or working alternatives.

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 2025-07-23 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: IL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-23 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-23 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My name is XXXX XXXX I checked my credit report and I see more accounts resulting from identity theft. I need these accounts to be removed. I checked the FCRA handbook and I request a 4 day block and removal of these fraud accounts in accordance to FCRA XXXX ( XXXX U.S.S.C. XXXX XXXX ) Here is the list of accounts Child Support Enforcement XXXX XXXX XXXX XXXXXXXX XXXX As mentioned these accounts were not opened by me please block and remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
My name is XXXX XXXX I checked my credit report and I see more accounts resulting from identity theft. I need these accounts to be removed. I checked the FCRA handbook and I request a 4 day block and removal of these fraud accounts in accordance to FCRA XXXX ( XXXX U.S.S.C. XXXX XXXX ) Here is the list of accounts Child Support Enforcement XXXX XXXX XXXX XXXXXXXX XXXX As mentioned these accounts were not opened by me please block and remove these accounts.

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 2025-07-23 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: CA

Complaint narrative:
I disputed XXXX XXXX & XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
This is an update as cashapp says it is working on still which is XXXX. 
They have closed all my disputes and my account No access total fraud company that admited fault and why they closed my account I got cashapp once to get money my mom sent then never used. I checked with my bank after odd transactions and see cashapp Go to app and see account in my name still after I deleted old XXXX years ago. Over XXXX $ in payments made. I reported and cashapp agreed fraud and closed account. They refuse to refund me any amount and just make excuses now after admitting fraud and closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were opened in my name without my permission. I submitted an FTC Identity Theft Report. I properly disputed the following accounts with [ Experian/Equifax/TransUnion ] XXXX including all supporting documentation. Despite this, they have failed to block or remove these accounts from my credit report. 
My name was in XXXX different website security breaches.

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 2025-07-23 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: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-23 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: AL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I did an investigation on all my credit reports and found many items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
Recently I did an investigation on all my credit reports and found many items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
On or about XX/XX/year>, I sent a formal written demand to XXXX XXXX XXXX after they initiated collection efforts on an alleged {$32000.00} debt originally issued by Upstart Network Inc. I requested full validation of the debt under FDCPA 809 ( b ). My request included : ( 1 ) a copy of the original signed agreement; ( 2 ) the complete chain of assignment from Upstart to XXXX XXXX ; ( XXXX ) a full itemized accounting ; ( XXXX ) notice of XXXX XXXX XXXX XXXX to collect in Oregon ; ( 5 ) a certified copy of the most recent billing statement ; and ( 6 ) the Date of First Delinquency with supporting calculation. 

Despite this lawful and timely demand, XXXX XXXX XXXX failed to provide proper validation. They continue to pursue collection activity without complying with federal law. If they are furnishing any data related to this debt to consumer reporting agencies, this may also constitute a violation of FCRA 623 ( a ) ( 3 ). 

I request that XXXX XXXX XXXX all collection efforts until full validation is produced, and that any tradeline be permanently deleted if lawful verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Nelnet, Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report ( or loan history ), I discovered that this account contains errors that need to be investigated and corrected. The specific issues I am disputing include : I have no knowledge of this loan The balance is incorrect The account status is misreported ( e.g., showing late or in default while in deferment/forbearance ) Payments are missing or unrecorded Duplicate account reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
under consumer law 15 usc 1692 c, consumer law 15 usc 1681i, and 15 usc 1692 cc, company violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify the

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
XXXXm contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-23 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:
TransUnion is reporting multiple variations of my legal name on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. None of these alternate names accurately represent my true and legal name, which is XXXX XXXX. This is a critical and fundamental error that not only undermines the accuracy of my credit file but also creates significant confusion and potential misidentification in the credit reporting ecosystem. 

In addition to the incorrect names, TransUnion is listing inaccurate employment information under the employer name XXXX. This employment data is outdated and does not reflect my current or correct employment status. Employment details are a vital part of my credit profile used by lenders and other third parties to verify identity and stability. The presence of incorrect employer data further damages my credibility and misleads anyone reviewing my report. 

TransUnion is legally obligated under the Fair Credit Reporting Act to ensure the accuracy and completeness of all information in my credit file. Under 15 U.S.C. 1681e ( b ), TransUnion must maintain reasonable procedures to assure maximum possible accuracy of the information it reports. Clearly, these procedures have failed, as they are allowing multiple inaccurate versions of my name and erroneous employer details to persist on my report. 

I have previously disputed these errors, yet TransUnion has either failed to conduct a meaningful reinvestigation or has accepted false data without verification. This violates 15 U.S.C. 1681i ( a ), which requires a prompt, reasonable reinvestigation of disputed information to ensure correctness. Instead, the inaccuracies remain, causing ongoing harm. 

This misinformation has caused me significant practical and emotional hardship. Incorrect names can cause lenders, landlords, and employers to reject or delay applications, or worse, associate me with someone elses negative credit history. This leads to unwarranted stress, anxiety, and financial barriers. The erroneous employer information compounds this problem by further misrepresenting my professional background, increasing the risk of lost opportunities and unfair judgments.

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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I applied for a {$1200.00} loan through Minto Money in XX/XX/year>. On their website, the advertised interest rate was 36 % APR. I was never provided a Truth in Lending Disclosure or any documentation outlining the full terms of the loan before agreeing to it. The loan was presented as being repayable in XXXX and half biweekly payments. Based on that, I accepted the loan to cover a financial emergency. 

After making my XXXX biweekly payment of {$320.00}, I contacted Minto Money to discuss postponing a payment due to financial hardship. That is when I was informed - for the first time - that my loan did not have a 36 % APR but rather a 758 % APR, and that it would not be paid off in XXXX and half payments as expected. Instead, I would be required to continue making {$320.00} biweekly payments for an entire year, totaling over {$8000.00} for a {$1200.00} loan. 

I was misled and not given required loan disclosure. This is deceptive and exploitative lending behavior. I am requesting a full investigation into Minto Money and their practices and to seek relief from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: TX

Complaint narrative:
VIN # XXXX Account No XXXX I was incorrectly charged {$1900.00} in XX/XX/year> on my Tesla Vehicle Lease for the property tax on lease vehicle and I am requesting an immediate refund. 

Texas XXXX XXXX XXXX : This section of the Texas XXXX XXXX outlines the exemption for leased motor vehicles used for purposes other than income production. 

My lease is for personal use only and I should have not been billed this tax by Tesla. 

Please review and advise when I can expect a refund?

Company response to consumer: Closed with explanation