vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-20 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$5.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was the victim of a sophisticated scam involving an individual posing as a spiritual advisor. I was manipulated into taking out a personal loan through Upstart under the false pretense that the funds would be cleansed and returned to me shortly after. Instead, I was defrauded of over {$25000.00} through multiple transfers ( including XXXX, XXXX XXXX, and credit card payments ), including the proceeds of this loan. 

The person who defrauded me used emotional and psychological manipulation to convince me that this was a spiritual process. I have since filed a police report with the XXXX XXXX XXXX Department ( Case # : XXXX ) and a formal complaint with the FBI Internet Crime Complaint Center ( IC3 Submission ID : XXXX ). 

I have contacted XXXX XXXX  Servicing multiple times in writing since early XX/XX/XXXX, formally requesting loan forgiveness or hardship relief due to the fact that I never received any personal benefit from the loan funds. I submitted full documentation including the police report, IC3 complaint, and detailed email explanations. Despite this, Upstart has denied my requests and continues to only offer generic hardship options that do not address the fraudulent origin and misuse of the loan proceeds. 

I am requesting the CFPBs assistance in reviewing this matter and encouraging Upstart to reconsider loan forgiveness, partial discharge, or settlement in compromise under documented fraud hardship. I acted in good faith and am now left with overwhelming debt due to a crime I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've checked my credit report and see some incorrect information, such as the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH 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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Do not have car listed on credit report belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information listed on my credit report issued by TransUnion, dated XX/XX/XXXX. 

Upon reviewing my credit reports from all three major credit bureaus ( XXXX XXXX, and TransUnion ), I noticed a significant inconsistency in the reported balances. Both XXXX XXXX XXXX accurately show {$0.00} balances, while TransUnion reports a balance of {$52000.00}, which is highly suspect and unsupported by any legitimate or verifiable debt. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation into this discrepancy. Please conduct a full re-investigation of the account ( s ) contributing to the reported balance of {$52000.00}. If you can not provide verifiable proof of the debt, including the original creditors name, contract, and payment history, the information must be permanently deleted from my credit report.

Additionally, I request that you provide a written response with the results of your investigation, and an updated copy of my credit report reflecting any changes, within the XXXX time frame as required by federal law.

Please note that continued reporting of unverifiable or inaccurate information constitutes a willful violation of the FCRA and may result in legal action. 

Thank you for your prompt attention to this matter. I expect this dispute to be handled with the urgency and diligence it warrants. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DISCHARGED XX/XX/XXXX Account owner XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid

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 2025-05-20 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I purchased a car thru carvana. When it arrived it had a hole in the floor and scratches on the window that were not disclosed. I had to fight and argue with them and silver rock multiple times over the last 30 days. 

When I decided I did not want to deal with their horrible warranty company- even tho they guarantee the repairs if silver rock says no your dead in the water. 

I attempted immediately to swap it for 2 different cars and couldnt figure out how the payments were so insanely higher than what I was quoted and guaranteed les than 24 hours earlier. They specifically raised my interest rate from 18.361 to almost 25 % ( I believe it was 25.96 % ). When I asked multiple employees why this is not a single one can give you a response. So I ended up with a car I like but not what I wanted because they changed the rate. They tried to say ( @ least two employees ) it was bc my credit had changed. Not possible as I pulled my reports and there are XXXX changes for the last 30 days that arent positive. 

Clearly Carvana will drive you happily into trapping you in a car then do EVERYTHING possible to make the repairs a nightmare, the guaranteed repairs not covered, and PURPOSELY PRICE GOUGING people with bad credit. Thats a bait and switch. Offer me one rate and I decide to utilize you guarantee and raise the rate.

The employees at carvana save one or two were beyon
d amazing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I asked company for a agreement letter with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. 
XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 XXXXXX/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 2025-05-20 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 writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. 
XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-20 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: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
Regarding the student loan account : I believe this account does not belong to me and may have been reported in error or fraudulently. The balances are unusually high and inconsistent with any financial obligations I have ever entered into. The account shows an open date of XX/XX/year>, with a reported balance of {$100000.00} with XXXX  and {$100000.00} with XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed my Trip Delay Reimbursement claim, a benefit of my Chase Sapphire Reserve credit card, on XX/XX/year>, uploading what I believed were all required documents to chasecardbenefits.com, the web portal for the associated travel insurance. After XXXX  days with no acknowledgment or status update, I called on XXXX XXXX then did Chase send an email to inform me XXXX document was missing ; I uploaded it that same day. On XX/XX/XXXX, I received a formal denial, citing delay under XXXX hours, despite the policys plain-English or requires an overnight stay clause and the fact that my XXXX flights XXXX delay forced me to miss my rental-car pickup after XXXX XXXX closing and require an unplanned overnight stay. 
There is no way to formally verify document completeness or appeal online. The instructions online just say to call customer service to appeal, nothing more. I called on XX/XX/XXXX, was told to email and portal-upload an appeal letter ( this was only told to me verbally as no documentation for the appeal process exists ), and did so on XX/XX/XXXX. I could get no information on the phone as to whether or not a claims adjuster actually read my detailed travel itinerary and summary letter that proves that I had an unplanned overnight stay, which is covered based on the chase card benefits guide terms. 

As of XX/XX/XXXX, Ive heard nothing despite following the instructions I received on the phone. The web portal showed no updates to my case, even thought my letter was now present and I had sent an email. A second call today confirmed theyll reopen my claim but will not send any email or portal notificationI must keep checking a portal that updates slowly, with no timeline for review.

At every stage, Chase only acts when I personally call. They never proactively acknowledge receipt, notify me of missing docs until prompted, or confirm appeal delivery. This pattern of poor communication and misapplication of their own OR policy clause has burdened me with repeated phone calls and uncertainty, and appears to be a systemic failure in their claims-handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Meridian Financial Services, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions P.O. XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Immediate Removal of Inaccurate Collection Account To Whom It May Concern : I am writing as a formal demand for the immediate deletion of the following inaccurate and unverifiable account being reported by your bureau. This account is a gross violation of the Fair Credit Reporting Act ( FCRA ), and I insist it be removed from my credit file immediately. 

The account in question is : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX * * * * Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements This account is not valid, not verified, and should have never been reported. You are reporting damaging and inaccurate information that violates my rights under FCRA Sections 609 and 611. I have never authorized this debt, and you have failed to provide proper verification or proof of contract with my signature. I demand the following : 1. Immediate deletion of this account from my TransUnion credit file.

2. No further reporting or sharing of this erroneous information to any third party.

3. Written confirmation of the deletion within 30 days from the date of receipt of this letter.

Failure to comply will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I will also seek legal counsel for violations of the FCRA if necessary. 

I have enclosed a copy of my government-issued ID and proof of address for verification purposes. 

This is your final opportunity to correct this reporting or face escalated legal consequences. 

Sincerely, 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 2025-05-20 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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