vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This is my second dispute about the same inaccurate and inconsistent information on my credit report. My first dispute was sent on XX/XX/XXXX, and the only response I got was through Experian.com, which is not acceptable. I clearly asked to receive the results in writing to my mailing address, as the law requires.

The problem is that no real reinvestigation was done because the same errors are still there. This violates my rights under 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2.

The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The way it is being reported is wrong : They are showing Charge Off every single month from XXXX through XXXX, when a charge-off can only be reported once, not over and over again.

The last date of activity is also not consistent. Experian shows one date, XXXX  and XXXX  show another ( XX/XX/XXXX ). That makes the information inaccurate and misleading.

Another big issue is the payment history. At first, my report said I was 90 days late in XXXX and then it jumped to 150 days late in XXXX. After my dispute, Experian changed it again to say I was 90 days late in XXXX and 120 days late in XXXX. These changes dont make sense, and they never explained to me what procedure they used to make these updates. 

All of this is harmful to me because it keeps inaccurate and negative information in my credit file.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Old debt not removed like repo since 2015. Its been over 7 years. Several items on report not correct with balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. 
UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE MAY, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

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 2025-09-24 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. 
UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE MAY, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Issue : Improper origination fee charged after loan cancellation Company : Upstart Network , Inc .

Details of the complaint : On XX/XX/year>, I received written confirmation from an Upstart representative that my loan had been canceled before origination. Despite this written cancellation notice, Upstart still deposited the loan funds into my account and kept the loan active.

I repaid the loan in full. However, Upstart is now attempting to charge me an origination fee of {$490.00}. Because the loan was explicitly canceled prior to origination, this fee should not exist.

This is a clear contradiction : a canceled loan should not have been disbursed, originated, or subjected to origination fees. Charging me {$490.00} in this circumstance is both improper and unfair.

What I am requesting : Immediate waiver and removal of the {$490.00} origination fee.

Written confirmation that my account balance is {$0.00}.

Assurance that this incident will not result in any negative reporting to the credit bureaus.

Supporting Documentation ( attached ) : Email from Upstart confirming cancellation ( XX/XX/year> ). 
Proof of loan disbursement despite cancellation. 
Proof of repayment in full. 
Account statement showing the {$490.00} origination fee. 

Desired Resolution : Waive the origination fee of {$490.00} and ensure my account reflects a {$0.00} balance with no adverse credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX / XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized inquiries on my credit report, which are severely affecting my creditworthiness, access to financial services, and overall financial stability. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, demanding immediate investigation and correction of these erroneous items. 
The items in dispute are as follows : XXXX  XXXX Account # XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$560.00} ) Chargeoff XXXX XXXX This account is inaccurately reported as a charge-off despite being in good standing. This violates FCRA 1681i ( a ) requiring reinvestigation of disputed items. False charge-off reporting also constitutes a misrepresentation that can create actionable claims under FDCPA 1692e for deceptive practices. 
XXXX Account XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ) Late Payment This account has been erroneously reported as late. False reporting under FCRA 1681s-2 ( b ) is misleading creditors and negatively impacting my credit score. Prompt correction is legally required to ensure accurate representation of my payment behavior. 
Unauthorized/Inaccurate Hard Inquiries : The following inquiries were made without my authorization or are being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ), all hard inquiries require my express authorization. I dispute all unauthorized inquiries listed above and demand their immediate removal. These inquiries negatively impact my credit score, create confusion for lenders, and constitute a violation of federal law. Continued reporting of these inquiries without authorization may be considered willful noncompliance and actionable under FCRA 1681n. 
Requested Action : I request that each disputed item, including both collection accounts and unauthorized inquiries, be reinvestigated, corrected, or removed in accordance with federal law. I also request written confirmation of all actions taken, including updated reporting to all relevant credit bureaus. 
Failure to correct these inaccuracies will leave me no choice but to pursue further legal remedies under the FCRA, FDCPA, and applicable state consumer protection laws. I demand immediate attention to this matter and resolution in full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
They made two ATM withdrawals without my consent and without a card today at XXXX XXXX : {$200.00} and {$130.00} at an ATM called XXXX XXXX. 
I already reported it to the company because they reportedly cloned my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: ND

Complaint narrative:
Calling continuously to collect dept from a move out procedure, caller seamed automated, previous property and property management company did not match. Threatened action in case of non-payment of {$520.00}. Asking the amount I can pay in the next 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
An automaton was taken out through Santander bank. The vehicle was hit and deemed as being a total loss. Santander bank representatives lied, misinformed, and were negligent with handling my auto loan. They were contacted for months to send a letter of guarantee to finalize the pay off. Multiple representatives lied on a recorded like to both the XXXX XXXX representative and myself. I have made over XXXX phone calls to this bank to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Sent debt validation and negative remarks on credit profile. Account fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone stole my identity and opened a checking account in USBANK. Also they added a new adress where i have never lived. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX It seems to be a lawyer 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite multiple disputes and a full payoff of the account on XX/XX/year>2024, this account continues to reflect delinquencies that are not only misleading but also violate multiple federal statutes and consumer protections. Your failure to correct this record constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Violations Cited : 15 U.S.C. 1666b : Late payments were reported despite the required 21-day grace period not being properly observed.

15 U.S.C. 1637 ( b ) : XXXX failed to provide clear, itemized billing statements during key periods, especially while the account was paperless. Without proper documentation, these delinquencies are legally unsubstantiated.

15 U.S.C. 1681e ( a ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting unverifiable and disputed data violates this mandate.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Information based solely on internal creditor experience is not considered a consumer report and should not be furnished to third parties.

15 U.S.C. 6802 : The continued disclosure of this joint accountespecially with name discrepancies and without proper authorizationviolates federal privacy protections under the Gramm-Leach-Bliley Act.

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 2025-09-24 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: NV

Complaint narrative:
Despite multiple disputes and a full payoff of the account on XX/XX/year>2024, this account continues to reflect delinquencies that are not only misleading but also violate multiple federal statutes and consumer protections. Your failure to correct this record constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Violations Cited : 15 U.S.C. 1666b : Late payments were reported despite the required 21-day grace period not being properly observed.

15 U.S.C. 1637 ( b ) : XXXX failed to provide clear, itemized billing statements during key periods, especially while the account was paperless. Without proper documentation, these delinquencies are legally unsubstantiated.

15 U.S.C. 1681e ( a ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting unverifiable and disputed data violates this mandate.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Information based solely on internal creditor experience is not considered a consumer report and should not be furnished to third parties.

15 U.S.C. 6802 : The continued disclosure of this joint accountespecially with name discrepancies and without proper authorizationviolates federal privacy protections under the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
The following reporting account is fraudulent please remove now. Transunion, Experian, and Equifax reports XXXX XXXX opened XXXX with the following account number XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
The following reporting account is fraudulent please remove now. Transunion, Experian, and Equifax reports XXXX XXXX opened XXXX with the following account number XXXX {$4500.00}

Company response to consumer: Closed with explanation