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 — Account status incorrect
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX service member and have been continuously serving since XXXX. I took out a personal loan from Upstart ( serviced by XXXXXXXX XXXX XXXX on XX/XX/XXXX. During a temporary financial hardship in late XXXX, I fell behind and a XXXX late payment was reported. That loan has since been fully paid off as of XX/XX/XXXX. 

I submitted a formal request for a goodwill adjustment to Upstart, asking them to voluntarily remove the negative entry due to the loans full repayment, the isolated nature of the delinquency, and the potential impact on my XXXX XXXX XXXX XXXX XXXX which is affected by negative credit entries. I also inquired about XXXX XXXX XXXX XXXX ( XXXX ) protections, which were denied because my loan originated after the start of my XXXX XXXX. 

I understand the Fair Credit Reporting Act ( FCRA ) requires furnishers to report data accurately ( 15 U.S. Code 1681s2 ), and I am not disputing the accuracy of the reporting. However, under the FCRA and guidance from the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), furnishers may choose to voluntarily suppress or remove accurate derogatory information as a matter of internal policy : FCRA statute : 15 U.S. Code 1681s2 FTC Furnisher Rule guidance XXXX XXXX XXXX XXXX CFPB FCRA resource : https : //www.consumerfinance.gov/compliance/compliance-resources/fair-credit-reporting-act/ My request was denied, with Upstart stating they are obligated to report accurately. However, I am seeking regulatory review to encourage Upstart to consider a discretionary removal due to my unique circumstances as an XXXX XXXX military service member with a fully resolved debt.

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: MS

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

Company 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 — Account information 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 2025-05-20 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
he account with XXXX XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/2025 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX Address : 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 non-monetary relief
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: FL

Complaint narrative:
he account with XXXX XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/2025 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My information was exposed in a data breach. I want all negative items removed from my credit report.

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: NC

Complaint narrative:
I am filing this report due to unauthorized accounts and fraudulent accounts and inquiries appearing on my credit report. I was also impacted by the date breach. I have disputed these accounts and they failed to provide me with proof or a legal document showing me these accounts belong to me, Here are the unauthorized accounts : DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please review the report entirely to see all fraudulent accounts. Also here are the inquiries reporting!!! 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 2025-05-20 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:
On XX/XX/year>, I submitted a certified identity theft dispute to TransUnion under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). My submission included a valid FTC Identity Theft Report, a police report, government-issued ID, proof of address, and a list of fraudulent accounts, inquiries, and public records. I attached a copy of all the accounts to be blocked to this complaint. 

TransUnion was required by law to block the disputed identity theft-related items within XXXX business days of receipt. Instead, on XX/XX/year>, I received a written response stating that they would not block the information because the accounts may reflect a payment history or were opened prior to the reported fraud. 

This is not a valid reason to deny a blocking request under 1681c-2. The law does not permit delay or refusal based on creditor verification, payment activity, or account age. TransUnion is treating this as a standard 30-day investigation under 1681i, which does not apply to identity theft blocking requests under 1681c-2. I am requesting that the C
FPB enforce the 4-day blocking requirement and ensure TransUnion removes all identity theft-related information from my credit file immediately.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: MS

Complaint narrative:
After reviewing my credit report I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposing in several data breaches as well. I have no recollection of apply for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract must be removed off my credit report in 4 days!!! 

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
After reviewing my credit report I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposing in several data breaches as well. I have no recollection of apply for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract must be removed off my credit report in 4 days!!! 

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After reviewing my credit report I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposing in several data breaches as well. I have no recollection of apply for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract must be removed off my credit report in 4 days!!! 

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am attempting to resolve a debt with XXXX XXXX XXXX on behalf of Discover Bank ( File number # XXXX ) I have made multiple documented efforts to contact the firm directly via phone, including calls on XX/XX/XXXX at XXXX PM XXXX, and XX/XX/XXXX at XXXX AM and XXXX XXXX. No representative has answered and no return contact has been received. Additionally, I submitted a written message through their websites contact form on XX/XX/XXXX clearly stating my intent to pay my debt through a payment plan. I also, created a formal Notice of intent to resolve to protect my legal standing, so that I can send it in good faith. 

Despite all of this, the firm has made no attempt to respond or contacting me. The ongoing lack of communication is preventing me from resolving the debt and avoiding unnecessary court involvement. I am not disputing my debt, I am asking to be allowed to pay it. 

I am asking that CFPB assists in compelling XXXX XXXX XXXX to engage with me directly to resolve the balance.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I found out that someone opened a capital one credit card with my name and social security and has put an incorrect address and phone number. I have never owned a capital one credit card or lived in this address either.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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: IL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Change insurance companies and mortage went up, Mr Cooper has XXXX dollars in another account not being applied towards my loan, I attempted to pay XXXX difference and have been unable to with live parties or the automated system that Mr Cooper provides even when a live agent was on the phone with me, so I had to go through my bank and send the XXXX separate to the account but it's not being applied. Customer service is a joke once you can even get to a live agent when isnt a easy task. I've had problems since Mr Cooper bought this loan from previous mortgage holder, and I tried to prevent problems from the beginning. Mr Cooper after being told numerous times of unwanted calls for buying or selling my home they still call. This is the worst mortgage company that I have dealt with. I've paid more towards the loan than the actual loan payment required but still have problems, they they have XXXX in a separate account not being applied to my loan and XXXX in some other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Better Mortgage, Inc.
State: OH

Complaint narrative:
On XX/XX/2025 I signed the closing documents on my mortgage 5 days later the funds were deposited into my account minus closing cost and other fees that were explained to me. 

Prior to closing I was emailed a document that had creditors from a credit report listed along with amounts saying they was owed. I explained to the Loan Coordinator XXXX that everything listed was part of a past Bankruptcy and he informed me that it was not a issues it was things that impacted my credit score and why I was given that rates I was given. 

A day after the Funds were deposited I received a XXXX Package with checks made payable to the creditors on my credit report. I immediately called Better Mortgage and explained that all but one of the debts were discharged through bankruptcy and that another account was not a debt but a prepaid account that helped build credit so they reissued the two checks making payable to me in the amount of {$560.00} and the other to XXXX XXXX XXXX in the amount of {$5200.00}. 

I asked what would be done with the rest of the funds totaling just over {$6000.00} and was told the checks would be issued a stop payment and I would receive a check made payable to myself for the rest of the funds. 

I told them I should not have to be paying a mortgage when I have not received all the funds and paying interest on {$6000.00} that your holding without any interest being applied to the funds. 

I have since been trying to contact Better Mortgage and keep getting sent to a different Department and being told I have not got the right person or that a different person is handling my claim. 
Since this they have sold my mortgage to another loan servicing company and I'm still owed a little over {$6000.00} in proceeds for my mortgage. I have not seen anywhere in any document nor was I told before hand or requested that creditors on my report would be issued checks from my loan or I would have requested time or canceled the loan until such time as I had creditors removed that were apart of my prior Bankruptcy. 

I want the remaining proceeds from my loan to accommodate what the loan was taken out for.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my Experian and Equifax credit report, and I noticed some late payments on my credit report. 

Account Name : XXXX XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency is in violation of 15 USC {$1600.00} .

I was never late on this account.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company response to consumer: Closed with explanation