vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-11 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: CA

Complaint narrative:
My credit report contains inquiries I do not recognize. I never gave permission for these companies to access my credit report, nor did I apply to them. This is a clear violation of my rights as a consumer, and I will not tolerate it, especially during an already stressful time in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I placed an order with Nordstrom ( XXXX # XXXX ) that included multiple items. The total for the items that never arrived is {$360.00}. The order shows as delivered to my buildings lobby, but when I retrieved the packages, those items were missing. 
I contacted Nordstrom to dispute the charges for the missing items and requested my bill be adjusted so I would only pay for what I actually received. They denied my dispute, claiming that because the tracking shows delivered, I am responsible for the full amount.

Nordstrom ( or their credit provider ) is now attempting to collect {$360.00} for merchandise I never received, plus additional charges such as : Late payment fee of {$29.00} posted on XX/XX/year> Interest charge of {$8.00} posted on XX/XX/year> I have already paid for the items I did receive. I am requesting that the {$360.00} charge for the missing items, along with any related late fees and interest, be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I want to emphasize that this complaint is valid and supported by evidence. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to me, both personally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The loan was paid off because the car was totaled in an accident. Therefore XXXX XXXX  wiped out the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$300.00} REPORTING ON EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$310.00} REPORTING ON EXPERIAN XXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2025 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXXXXXX that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Equifax, Experian and Transunion are reporting inaccurate information on my credit reports. I am formally disputing the accuracy and completeness of the reporting for the account listed below, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ) : Creditor : XXXX Account Number : XXXX Status : Paid Charge-Off This account is inaccurately and inconsistently reported. The following issues violate federal law : 1. Conflicting dates for Last Reported, Date Last Active, and Date of Last Payment between credit bureaus.

2. Misleading status descriptions combining paid in full, settled, and charge-off, implying the account is still derogatory despite a {$0.00} balance.

3. Inconsistent comments across bureaus, violating 15 U.S.C. 1681e ( b ) s maximum accuracy requirement. 

Furthermore, I am aware that in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for failing to conduct lawful dispute investigations. In light of this, I demand a full and lawful reinvestigation, not a superficial or automated response.

Per 15 U.S.C. 1681i, please : Conduct a full reinvestigation into this accounts accuracy.

Provide documentation from the furnisher verifying all reported data.

Delete the account entirely if it can not be verified.

Provide a written description of your reinvestigation procedures per 1681i ( a ) ( 7 ).

Remove this account while reinvestigation is being performed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Equifax, Experian and Transunion are reporting inaccurate information on my credit reports. I am formally disputing the accuracy and completeness of the reporting for the account listed below, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ) : Creditor : XXXX Account Number : XXXX Status : Paid Charge-Off This account is inaccurately and inconsistently reported. The following issues violate federal law : 1. Conflicting dates for Last Reported, Date Last Active, and Date of Last Payment between credit bureaus.

2. Misleading status descriptions combining paid in full, settled, and charge-off, implying the account is still derogatory despite a {$0.00} balance.

3. Inconsistent comments across bureaus, violating 15 U.S.C. 1681e ( b ) s maximum accuracy requirement. 

Furthermore, I am aware that in XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for failing to conduct lawful dispute investigations. In light of this, I demand a full and lawful reinvestigation, not a superficial or automated response.

Per 15 U.S.C. 1681i, please : Conduct a full reinvestigation into this accounts accuracy.

Provide documentation from the furnisher verifying all reported data.

Delete the account entirely if it can not be verified.

Provide a written description of your reinvestigation procedures per 1681i ( a ) ( 7 ).

Remove this account while reinvestigation is being performed.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
CFPB Complaint Upgrade , Inc. ( Upgrade XXXX  Account Freeze ) I have an Upgrade XXXX  account with a low credit line that I have always used responsibly. My payment history is perfect I regularly made XXXX payments a month, always on time, and always above the minimum required amount. I rarely used the account except for small, necessary purchases. 

Despite this, Upgrade suddenly froze my accounts draw capabilities ( credit line access ) without prior notice. This was done after months of responsible use and payment history, which makes the decision both unjustified and harmful. 

Why I believe this is wrong : No advance warning before restricting my account No specific or transparent explanation for the action Punitive treatment despite perfect payment behavior Emotional and financial stress caused by an unexpected freeze on an account I relied on for occasional needs Upgrades email stated I could view an Adverse Action Notice in my dashboard, but no direct explanation was given. This feels like a breach of trust and a poor business practice especially when a customer has shown consistent good faith in repayment and responsible usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
Experian has failed to fulfill its obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurayed accounts unresolved. The CFPB has recently filed a lawsuit against Experisn, alleging systemic issues such as failing to forward consumer provided evidence to firnishers, accepting unreliable responses and failing to notify consumers of disputed outcomes. These failures alighn with my experience, where Experian has neither-corrected nor removed disputed items despite the evidence I provided. Im requesting immediate corrective action to remove this 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 2025-08-11 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-08-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WA

Complaint narrative:
Experian emailed me notifying me that an account at XXXX XXXX XXXX  was opened in my name on XX/XX/2025. I did not open this account. Upon receiving this information I contacted XXXX to report the fraud and close the account ( the account is closed ) but XXXX refused to report the activity as fraud. Next, I contacted Experian to request that the account be reported as fraud and removed from my account. Despite me providing a police report, my credit being frozen when the account was open, there being an active fraud alert when the account was opened, and having another account removed from report due to fraud in XX/XX/2025, Experian declined to remove the account from my credit report stating there wasn't enough evidence to suggest this account was fraudulent.

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 2025-08-11 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: SC

Complaint narrative:
1. I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
We received a text with the following message : This text is from XXXX XXXX, a debt collector regarding your SoFi Bank, N.A. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit XXXX XXXXXXXX XXXX  XXXX. Report stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. California License XXXX Reply STOP to opt out. 

We do not have an account with any of the companies mentioned, nor do we have any debt that isn't being paid on. We have no idea where this message came from or what they are talking about. 

( We did not reply to this message. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing a collection account being reported by LVNV, I contacted the company and requested validation of the debt, including proof that the account is mine and that they have the legal right to collect it, i never received proper documentation or verification.. This account does not belong to me, and I believe it may have been added to my credit report in error, I am asking for this account to be fully investigated and removed from all credit bureaus if it can not be verified.

Company response to consumer: Closed with non-monetary relief