vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against UPSTART NETWORK INC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. UPSTART NETWORK INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
1. What happened?

TransUnion is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to ensure maximum possible accuracy. They are reporting a bankruptcy on my credit file that is legally impossible for them to have verified. 
I previously disputed this item directly with TransUnion, providing a clear legal and logical argument for its deletion. They responded with a generic, boilerplate letter stating the item was " verified '' and would remain on my report. Their so-called " verification '' is a sham, and their actions demonstrate a complete disregard for federal law and consumer rights. 
2. Whats the legal violation? TransUnion is in violation of two key sections of the FCRA : 15 U.S.C. 1681e ( b ) - Failure to Follow Reasonable Procedures : TransUnion can not possibly have verified this bankruptcy because the public records are redacted under Federal Rule of Bankruptcy Procedure XXXX. This rule mandates the redaction of full Social Security Numbers and other key identifiers. Therefore, there is no public record that contains the complete, unredacted data required to conclusively link this bankruptcy to me. Their reliance on a flawed, automated system ( ACDV ) to " verify '' redacted data is the definition of an unreasonable procedure. 
15 U.S.C. 1681b - Lack of Permissible Purpose : I challenge the very legality of TransUnion possessing and reporting the unredacted, non-public information that would be necessary to accurately report this item. If they have the data required to report it, they obtained it without a permissible purpose. If they don't have the data, then they are reporting incomplete and inaccurate information. It's a XXXX of their own making that proves their non-compliance. 
3. The " Smoking XXXX '' Evidence : I have attached a letter from the U.S. XXXX XXXX XXXXXXXX XXXX Office which explicitly states that bankruptcy courts do not verify public record information for credit reporting agencies. 
This creates an undeniable contradiction : The Source ( Bankruptcy Court ) says : " We do not verify this data for TransUnion. '' The Public Record is Redacted ( Bankruptcy Rule 9037 ). 
Yet, TransUnion claims : " We verified it. '' This proves that TransUnion 's " verification '' process is a complete fiction. They are either lying about verifying it, or they are using a third-party data aggregator that does not meet the legal standard for accuracy. This is a systemic failure and a pattern of reckless disregard for the law.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I reviewed my credit report and seen I had a collection for a XXXX  XXXX credit card I didnt open from Portfolio Recovery Associates of a balance for {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
DEBT VALIDATION LETTER Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Subject : Request for Debt Validation Dear Huntington Debt Holdings LLC , I am writing in response to a debt listed on my credit report and/or for which I have received collection attempts. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. 
Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of interest, fees, and principal.

3. A copy of the signed contract or agreement showing that I am legally obligated to pay this debt.

4. Proof that you are authorized to collect on this account.

5. Documentation showing when the debt was incurred and the date of the last payment. 
Until this debt is fully validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you have already reported this debt, please inform the credit bureaus that the account is currently in dispute. 
Please send your response to my mailing address above. I am requesting that all communications be in writing. 
Thank you for your cooperation. 
Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XXXX U.S.Bank repeatedly charged my checking account {$12.00} Overdraft Protection Fees linked to an automatic ReserveLineofCredit transfer, even though I did not make any transactions that would overdraw the account. 

I have maintained this account for over twenty years and stopped using it for everyday spending after opening an account at XXXX. The only recurring activity in the U.S.Bank account is a {$5.00} automatic monthly transfer from checking to savings ( required to waive the maintenance fee ) and a {$6.00} maintenance fee that is reversed the same day. The checking balance has consistently remained positive. 

Despite that, between XXXX, the bank recorded more than forty XXXX transfers ( typically in {$50.00} or {$300.00} increments ) and charged {$12.00} each time, along with periodic interest. I made multiple payments that reduced the XXXX balance to zero, but new overdraft protection transfers and fees continued to occur even when the account was paid off and unused. None of these events correspond to customerinitiated transactions. 

This appears to be an internal U.S.Bank process that is triggering overdraft protection automatically and assessing fees without consumer action. I have screenshots showing the full checking history, ReserveLine activity, and all payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting on my credit report regarding the following charge-off accounts and inquiries, which are negatively affecting my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts and inquiries may have been inaccurately reported, and under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to maintain procedures to ensure maximum possible accuracy and must conduct a reasonable investigation when a consumer disputes inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting on my credit report regarding the following charge-off accounts and inquiries, which are negatively affecting my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts and inquiries may have been inaccurately reported, and under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to maintain procedures to ensure maximum possible accuracy and must conduct a reasonable investigation when a consumer disputes 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 non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-10-22 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:
I am submitting this complaint to formally address discrepancies I have discovered on my credit report that do not accurately reflect my financial history. These inaccuracies have caused me undue stress and have negatively affected my ability to access fair financial opportunities.One item of particular concern is a reported charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing a balance owed of {$0.00}. This account does not accurately represent my financial activity, and I request that it be carefully reviewed and removed if it can not be verified as accurate. Under FCRA 609 ( a ), I have the right to request verification of any account on my file, and I am exercising that right to ensure my credit report is correct.In addition, there are multiple inquiries on my report that are either unauthorized or do not reflect my financial activity, including XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX. I respectfully request a thorough reinvestigation of these items in accordance with FCRA 611 ( a ) ( 1 ) .Credit reporting agencies have a responsibility to ensure the maximum possible accuracy of the information they report. As stated in FCRA 607 ( b ), reasonable procedures must be in place to maintain accurate credit information, and FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report complete and accurate data. Based on these provisions.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I have noticed that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. 
Specifically, my previous address should be removed, as it no longer aligns with my current residence. Additionally, my name and employer must be corrected to accurately reflect my current legal name and place of employment. These inaccuracies could cause confusion, lead to potential misrepresentation of my creditworthiness, and negatively impact the accuracy of my credit report. 
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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, a Bank of America manager ( XXXX ) promised that the XX/XX/XXXX late payment on my credit card would be removed entirely from all credit bureaus. This was not a goodwill requestit was a direct assurance after I explained that my autopay failed even though sufficient funds were available. 

I later filed a CFPB complaint ( # XXXX ). Bank of Americas Executive Care department ( XXXX XXXX, XX/XX/XXXX ) confirmed internal notations showing that promise. Despite this, the bank only reversed the late fee while continuing to report the negative mark. 

In XX/XX/XXXX, the company re-aged the accountmoving the late from XX/XX/XXXX to XX/XX/XXXX instead of deleting it. This violates FCRA 623 ( a ) ( 2 ) and 605 ( c ) ( altering the original delinquency date ) and California CCCRAA 1785.25 ( a ) ( reporting misleading or incomplete information ). 

After I sent proof of this re-agingincluding certified mail with exhibits and follow-up emails showing my credit reportthe bank issued another letter correcting the error by simply moving the late back to XX/XX/XXXX, rather than removing it as promised. 

Bank of America has therefore committed multiple violations : Deceptive misrepresentation of a confirmed promise to delete the late ( UDAAP 5531 ).

Inaccurate and misleading furnishing of credit data through unlawful re-aging ( FCRA 623 ( a ) ( 2 ), 605 ( c ) ; CCCRAA 1785.25 ( a ) ). 

Failure to correct known errors after receiving certified documentation. 

These repeated actions have caused financial harm, emotional distress, and wasted time. I am requesting that the XXXX and XX/XX/XXXX late marks be permanently deleted from all credit bureaus. 
If the issue is not resolved immediately, I will pursue legal action to recover damages and enforcement under the FCRA, CCCRAA, and UDAAP.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
On XX/XX/year>, I transferred approximately {$470.00}. worth of XXXX ( XXXX ) from my XXXX exchange account to my Robinhood crypto wallet address. 

The transaction was completed successfully on the XXXX ( XXXX ) XXXX, and I can verify it through the XXXXXXXX XXXX XXXX 

Transaction Hash ( XXXX  ) : XXXX However, Robinhood does not currently support USDT or XXXX-based deposits, and as a result, the funds never appeared in my Robinhood account.

I contacted Robinhood Support several times. They confirmed that : The transaction can not be reversed because blockchain transfers are final. 

Robinhood does not support XXXX or XXXX deposits. 

My assets remain untouched and unaltered until a potential recovery process becomes available. 

Despite these responses, no recovery option or resolution has been provided. My funds remain locked in an unsupported wallet address that I can not access. 

I am requesting assistance from the Consumer Financial Protection Bureau ( CFPB ) to : Facilitate communication between Robinhood and XXXX, or Encourage Robinhood to create a process for recovering unsupported XXXX transfers. 

This issue has caused a financial loss of about {$470.00} USD, and I am seeking help to recover or restore these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am submitting a formal request to have this erroneous account deleted from my credit report, as I never authorized its establishment or usage. Attached are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Lincoln Financial Services
State: OH

Complaint narrative:
I went to purchase a product that advertised as a cat house for {$39.00} on XX/XX/year> with my Lincoln Financial Savings Checking Account XXXX debit card ending in XXXX. {$39.00} was debited from my account. The debit deducted was from a XXXX XXXX from XXXX Florida XXXX. I disputed this charge with Lincoln Financial but they refused to refund my account saying the company was legit. I never received my item and after investigating on my end found the merchant had scammed several other consumers with the same fake item. XXXX had many searches on this company as being fraudulent. However, I did not know this till after my purchase.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 
It has destroyed my credit score resulting in homeless from not being able to obtain a apartment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe have inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am asking for these accounts to be reviewed, and if they can not be confirmed as correct, they must be deleted.

Company response to consumer: Closed with explanation