vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I applied for a {$1000.00} loan through Upstart, a company advertising through XXXX. This company asked questions that would not be necessary for a loan ( vehicle mileage ) and asked to link to bank account, which is unusual. And although my credit is good, the loan was denied because they claim the credir utilization is too high, which it is not and too many inquiries. ( only have XXXX ). I believe the company is fraudulent and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
After checking my report, I found numerous accounts that I have never given my consent to report. The Fraudulent accounts are ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further XXXX to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
On XX/XX/year>, I disputed a closed account reported by XXXX XXXX XXXX XXXX ( account # XXXX ) through Equifax. I requested full verification of the account under the Fair Credit Reporting Act ( FCRA 611 ), including original signed documentation, payment history, and proof of ownership. 

On XX/XX/year>, Equifax responded stating the account had been verified as accurate and merely updated fields such as actual payment and closed date. No documentation or validation was provided to support the continued reporting of this account. 

This does not meet the FCRAs requirements for a reasonable reinvestigation. Updating data fields without furnishing evidence is not verification. I believe this violates FCRA 611, and I am requesting federal intervention to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I understand there should be a small difference between credit scores but XXXX point seems a bit drastic to me XXXX  has me at XXXX and Equifax has me at XXXX reason being Equifax has not removed a car loan that got taken care of and possibly other accounts that XXXX  resolved I requested them to remove the accounts with no resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: LA

Complaint narrative:
Ed Financial has XXXX different personal loans for education listed on my credit report. I never applied for student loans, nor did I receive money form that institution. Both loans originated XX/XX/year>, XXXX loans original amount was {$1100.00} and the XXXX loans original amount was {$2000.00}. Both loans are listed as over XXXX XXXX XXXX  bringing the current balances to {$1200.00} and {$2200.00}. This has drastically reduced my XXXX XXXX and I would like them to be removed and score corrected. My parents paid out of pocket when I attended XXXX XXXX XXXX and documentation can be provided showing that if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reached out to this company several times, wanting the wrong information off of my report. They have yet to provide a debt verification after their data breach exposing my information. This issue has yet been resolve and next will come a lawsuit towards the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: KY

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.

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 2025-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$1400.00} you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. 
You are hereby notified that I dispute the alleged debt {$1400.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ XXXX ] Full and Complete validation of the alleged debt. [ XXXX ] The original signed contract bearing my signature and open date XX/XX/2023. [ XXXX ] The complete payment history showing how the alleged amount was calculated. [ XXXX ] The name and address of the original creditor. [ XXXX ] Proof that you are legally authorize to collect in this state. [ XXXX ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ XXXX ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : TRANSUNION 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 ALL HARD INQUIRIES REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX  days. 
I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 
YOU ARE HEREBY PUT ON NOTICE : You have XXXX  days from the receipt of this letter to complete a lawful investigation. 
If this account is not XXXX  % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
In XX/XX/year>, I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX  ) for an account they reported as charged off with a {$6400.00} balance. I filed this dispute through Experian and also submitted a complaint to the CFPB. 

In response, XXXX XXXX failed to properly verify the account. They sent only a transaction history, which does not prove the account belongs to me. They did not provide a signed application, proof of identity, IP address logs, or any supporting documents that show I opened or used the account. 

I also formally requested validation under the Fair Credit Reporting Act ( FCRA ), Section 609, and XXXX XXXX has not complied with the law. 

Additionally, under FCRA 611, they are required to conduct a reasonable investigation when a consumer files a dispute. Providing a list of charges or payment dates is not sufficient evidence of ownership or responsibility. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if the company can not verify the information with sufficient evidence, they are required to delete it from my credit report. Despite failing to verify, XXXX XXXX continues to report the account as charged off and delinquent, damaging my credit. 

This is now a pattern of non-compliance, and I am requesting that the CFPB intervene and direct XXXX XXXX to : Provide actual evidence that I opened and used the account Delete the account entirely if they can not prove ownership Stop furnishing unverifiable information to the credit bureaus I am exercising my legal rights and asking for accountability under FCRA 609, 611, and 623. This inaccurate and unverified account is continuing to harm me, and I am seeking a full resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MD

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card with Capital One on XXXX, XXXX. As of today, more than a month has passed and I have not received the card. 

I have contacted Capital One multiple times. I called to inform the situation on XXXX XXXX App, XX/XX/XXXX and XXXX XXXX and on XX/XX/XXXX office and XX/XX/XXXX I even went to an office to try and find a solution. Each time I was told that the card would arrive soon. However, the card has still not arrived, and I have not received a tracking number or a clear explanation for the delay. The last few times I even received an email informing me that the carrier could not find my address. Yet when you sent me my debit card there was no problem with the shipping of it to my address. So I am specially confused about why this is happening now. 

This delay is causing me inconvenience and preventing me from accessing funds or building credit as planned. 

I am requesting that Capital One issue my card immediately and provide an explanation for the delay. I also expect better communication and accountability from their customer service. 

I want Capital One to send my card immediately and ensure that I receive it within a reasonable timeframe. I also request a formal explanation of why my card has not been sent or received after more than 30 days and multiple tries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
These accounts was open fraudulently i had nothing to do with those 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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

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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I've disputed these voice verifying and in writing online they have all the notes and writing statements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
15 U.S. Code 1681c-2- Remove and Block of information resulting from identity theft XX/XX/XXXX, I recognized an account that did not belong to me or authorize for this account to be open. Kohl 's Capital One opened XX/XX/XXXX, amount reported balance {$340.00}. 

Due to Data Breach with my bank, XXXX XXXX  XXXX XXXX in XX/XX/XXXX, my information was affected and they offered XXXX years of free credit monitoring and identity theft protection. 
Both personal information ( PII ) and bank account details, enabling fraudsters to directly access and drain my bank accounts. 

The consumer reporting company has XXXX business days to block the fraudulent information after accepting your identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
Someone put {$500.00} in my Cash app account. I did not log into my Cash app accept the money or send the money back. A few minutes later a different person tried to get {$480.00} but it was declined. The same person tried a second time and the money was moved. I was never sent an authorization code or any other notification that this was happening. The only notification I received was afterwards. I disputed the transaction and cash app the next day, declined it and said they would send me a report of their investigation. The only thing on the report was the date and the information I gave them which wasnt anything that they investigated. The date of the transaction was XX/XX/year>. Additionally, there was an international fee for the merchant, but I never received any goods. Based on my history of use of cash app, which is minimal, I have only purchased services that were local like lawn service and tithing.

Company response to consumer: Closed with explanation