vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Reporting XXXX  Account To Whom It May Concern, I am formally disputing the XXXX account reporting on my credit file under the name XXXX XXXX XXXX XXXX This account is marked as Paid, yet it continues to report negatively across all three major credit bureaus. This is inaccurate, outdated, and misleading and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The continued presence of a paid account that has been satisfied but still affects my credit standing violates multiple provisions of federal law, including but not limited to : - FCRA 607 ( b ) Duty of furnishers to provide data with maximum possible accuracy. 
- FCRA 1681i ( a ) ( 1 ) ( A ) Right to dispute and request reinvestigation of any item believed to be incorrect or unverifiable.

- FCRA 1681i ( a ) ( 5 ) ( A ) Requires permanent deletion of information that can not be verified within 30 days.

- FCRA 623 ( a ) ( 1 ) ( A ) Prohibits the reporting of information known to be inaccurate. 

I am demanding a full reinvestigation of this account across all three credit bureaus. You are required by law to verify the accuracy and completeness of the data being reported. If this account has been paid and is no longer legally reportable in a derogatory status, it must be permanently deleted from my file. 

Please provide the following within 30 days : 1. Verification of the current account status directly from the furnisher.

2. Legal documentation supporting any remaining derogatory status.

3. Written confirmation of the outcome of your reinvestigation. 

Failure to comply will constitute willful noncompliance under FCRA 616 and/or negligent noncompliance under FCRA 617, and I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or initiate further legal action if necessary.

This is a formal dispute and legal request. I expect deletion of this item if it can not be verified with documented evidence. 


Sincerely, 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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: DE

Complaint narrative:
I have a credit card with XXXX XXXX since XXXX. The credit card limit had a credit line of {$1000.00}. I had a balance of {$980.00} and have it automatically debited from my bank account, so it has never been late. They saw that I had other credit cards on my credit history and down graded my limit to {$500.00} without telling me. I went to pay more on my balance and saw that it was {$480.00} over my limit because that took away my credit, and suspended my account. I paid {$500.00} to get it down and called them to see what happened. They said they were sorry, but I have no recourse and they can downgrade it again next month if they so choose, even if I pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
In XX/XX/year>XXXX  I was on the market to purchase a car. I visited both XXXX of XXXX XXXX  and XXXX  XXXX of XXXX XXXX XXXX. Between XXXX XXXX of XXXX  approx XXXX hard inquires were made on my credit by XXXX of XXXX Connecticut without my permission or consent. Between XXXX XXXX of XXXX  approx. XXXX hard inquires were made on my credit by XXXX XXXX XXXX XXXX XXXXXXXX XXXXt, also without my permission or consent. I reached out to all the credit agencies and was told I had to request the car companies call to have all hard inquires removed or otify police as fraud. I called told it was standard for credit to run as many times necessary. I informed both XXXX companies that I never agreed to numerous pulls on my credit. List of finance companies dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALLY FINANCI ) inquiry total : XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX ( XXXX XXXX, ALLY FINANCE, XXXXXXXX XXXX  ) On XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: FL

Complaint narrative:
THIS APPLICATION XXXX IS XXXX AND KEEPS WAITING AND MONITORING YOUR ACCOUNT AND AS SOON AS YOU HAVE SOME MONEY IN THE BANK THEY CHARGE YOU, XXXX  TIME THIS HAPPENS THEY ARE NOT AUTHORIZED TO ACCESS MY ACCOUNT I TEXTED THEM THIS MORNING AND THEY STILL HAVE ACCESS AND WITHDRAW FUNDS, THEIR PERMISSION TO ACCESS HAS NOT BEEN GRANTED SINCE XXXX!!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3900.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I enrolled my SYNCB/CARE CREDIT account into a XXXX XXXX XXXX debt management program in XX/XX/year>. Despite this, Synchrony Bank has continued to report late payments on my credit report after my enrollment, even though I have made consistent, on-time payments through XXXX. I have disputed this with XXXX  and XXXX, but they say Synchrony verified the information. This is inaccurate and damaging to my credit. I am requesting that the late payments from XX/XX/year> onward be removed and the account marked appropriately under the counseling program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 SC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$64000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application through StudentAid.gov on XX/XX/year>, for my federal student loans, serviced by MOHELA. I am a XXXX XXXX working for a XXXX XXXX and am pursuing Public Service Loan Forgiveness ( PSLF ). Despite repeated attempts to follow up, my application has still not been processed as of XXXX XXXX. 

As a result, my loans were placed in administrative forbearance, and I have not been able to make qualifying payments toward PSLF. For months, I was not accruing interest due to a court-ordered 0 % rate. However, I received a notice from the U.S. Department of Education that interest will begin accruing on XX/XX/year>, even though I still can not make payments because MOHELA has not processed my IDR application. 

I have made multiple calls to MOHELA with estimated hold times exceeding two hours and received no meaningful updates. I also submitted two formal complaints through the Federal Student Aid Feedback Center ( first on XX/XX/year> ) and have received no response from the Department of Education. 

I have taken every required action to repay my loans responsibly, including : Submitting my IDR application with IRS tax data Maintaining full-time public service employment Following up regularly with my servicer and the Department of Education The failure to process my application has caused : Loss of PSLF-qualifying months Unjustified loan forbearance Imminent interest accrual against my will Significant emotional and financial stress I am requesting urgent intervention to : Force MOHELA to process my IDR application immediately Backdate PSLF credit for time spent in involuntary forbearance Prevent further financial harm due to their delay

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: NC

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 Services , 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 XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-07-11 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I used to be a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My husband and I moved out at the end of XX/XX/XXXX. We gave proper notice and only lived there for a year. The unit was left in good conditions, almost the same as when we first moved in. We moved out because the apartments had many issues. 

I received a collection letter back in XX/XX/XXXX and immediately went to the office to ask why was I being charged and was told by the manager I didn't owe any money, that I was sent to collections by mistake and should be getting my deposit back by XX/XX/XXXX. 

I waited and went back in XXXX to ask what was going on and I was told they will find out and give me a call back. No one ever called me back. 

I have called the office multiple times at different hours of the day and no one ever answers, I have stopped by the office and it's always closed and none of my e-mails have been answered. I'm still getting debt collection letters. At this point I don't know how can I get a hold of someone to give me an answer on what is going on. 

Their management company it's Pivotal and this is the only address I could find of them based on the resident portal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Samuel Whitaker & Associates LLC
State: TX

Complaint narrative:
Has called my phone, family members, spouse numerous times despite requests to stop. 
Number used : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX That they claimed to sue you over a debt from XXXX with no proof. Stated I was to be served, sued, lien put on property, wage garnishment

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XXXX/XXXX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hey I don't know who trying run my business an local bank wells fargo towers ceo XXXX  if my account not correct an take out business day close every local bank it is fraudulent defraud tampering with documents i.d must match ceo account one owner one trust account no power of attorney get this right payrolls if I didn't hire u fired

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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