vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
This company has not proved any credit validation or right to collect and report on my credit. No communication has been attempted by letter or other communication, no verification has been given to validate this debt in accordance with The Fair Trade Act. No proof of insurance of tax write off has been provided nor a clear chain of custody has been provided as is law under the Fair Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian : ( Personal Information File ) Failed to delete outdated addresses and incorrect name spellings after dispute. 



Equifax : ( Personal Information File ) Continues reporting misspelled names and outdated addresses despite formal request. 



TransUnion : ( Personal Information File ) Personal Information File Has not corrected personal info errors including old addresses and name misspellings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
Experian : ( Personal Information File ) Failed to delete outdated addresses and incorrect name spellings after dispute. 



Equifax : ( Personal Information File ) Continues reporting misspelled names and outdated addresses despite formal request. 



TransUnion : ( Personal Information File ) Personal Information File Has not corrected personal info errors including old addresses and name misspellings.

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 2025-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: LA

Complaint narrative:
I am writing to follow up regarding my account. I recently submitted documentation and received a response from BSI ; however, the reply was simply a photocopy of the prior response, with the only change being a reference to an escrow adjustment. Neither response has addressed or acknowledged the double payment made in XX/XX/year>, despite my having provided clear proof of that payment. 

Additionally, BSI has reported 20 late mortgage payments to the credit bureaus, which has significantly damaged my credit score. This reporting is incorrect. I did not have 20 late payments. This entire situation arose because BSI placed my account on a bankruptcy hold, and, per your policy, no one contacted me to inform me of the change in my monthly payment amount.

I have attached records of payments made to my previous servicer, reflecting my prior payment of {$910.00}, and showing that I often paid {$940.00} when I was able. My account was not under any bankruptcy hold with the previous servicer.

Further, I have attached prior emails from multiple representatives, and I am concerned that my account has never been thoroughly investigated. If it had been properly reviewed, you would have identified the issue your recent agent finally confirmed : the payment change that took place months before I became awaredue to correspondence being sent to an outdated attorney address instead of notifying me directly.

Moreover, in the previous response, your representative stated that I was not being charged {$810.00} in late fees, yet my most recent XXXX statement clearly shows this charge still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I am filing a complaint regarding a secured credit card account ( Account Number XXXX ) that is inaccurately being reported by one or more credit bureaus. The account is marked as Paid, Closed as of XX/XX/XXXX, but the payment history shows a 120-day delinquency in XX/XX/XXXX, immediately followed by a CLS status. 

Additionally, the same account reflects late payments ( 30, 60, 90 days ) during XXXX, but no clear documentation or warning was provided prior to closure. 

Reporting an account as Paid and Closed and still reflecting major delinquencies post-closure is misleading, unfair, and inaccurate, especially if the debt was settled or paid in full.

I am requesting under FCRA 607 ( b ) and 611 ( a ) that : The 120-day delinquency in XX/XX/XXXX be removed Any unsupported late payments from XXXX be verified or deleted The account be corrected to reflect accurate payment history consistent with its Paid, Closed status

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 2025-07-07 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Escalation Unresolved Complaint XXXX XXXX : Inaccurate Charge-Off Reporting by XXXX  for UPSTART NETW Account XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to escalate Complaint XXXX XXXXXXXX, originally submitted on XX/XX/XXXX, regarding XXXX continued inaccurate reporting of my UPSTART NETW unsecured loan account XXXX  XXXX. 

This complaint has now remained open for 45 days without resolution. The core of the issue is XXXX reporting of a charge-off status for this account in a manner that appears misleading and potentially unlawful. 

Specifically, the account is being reported as charged off for three consecutive monthsfrom XX/XX/XXXX through XX/XX/XXXX ( XXXX ). This repeated reporting of a charge-off over multiple months is deceptive, as it appears to double-report the derogatory status of the account and may be construed as an attempt to artificially inflate the severity of the derogatory information. A charge-off is a one-time accounting event, not a recurring monthly status.

Additionally, despite this charge-off reporting, I have not received a corresponding IRS Form 1099-C for cancellation of debt. This discrepancy raises serious concerns, as the absence of a 1099-C contradicts the implication that the debt has been charged off and discharged.

These actions may violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information.

Potential non-compliance with IRS regulations regarding the issuance of 1099-C forms for discharged debts.

I respectfully request that the CFPB : 1. Reopen and expedite its investigation into this matter ; 2. Require XXXX to substantiate its reporting with proper documentation from UPSTART NETW ; 3. Determine whether XXXX is in violation of FCRA or IRS reporting requirements ; 4. Direct XXXX to remove or correct the reporting of this account, particularly the misleading multiple-month charge-off status, if validation can not be provided.

Please confirm receipt of this formal escalation. I am prepared to provide any additional documentation necessary to support my claim.

Thank you for your continued efforts in protecting consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX closed my account as a stated security precaution, citing " unusual activity for my protection, '' an assessment I dispute. I have a letter from XXXX XXXX confirming the account temporarily suspended from XXXX stating it. The account balance has been paid in full as well a in a emailed statement by them. 

Despite this, Experian is reporting the account with a negative mark, labeled as " Closed by Credit Grantor + Balance over credit limit, '' which is unfairly impacting my credit. This notation should be updated to reflect that the closure was a precautionary measure by the creditor, not a result of any action on my part. 

Additionally, the Experian dispute platform offers no functionality to upload essential supporting documents, such as the letter from XXXX XXXX or proof of payment.

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 2025-07-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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/year>

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 2025-07-06 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
EXPERIAN IS INACCURATELY REPORTING AN ( XXXX XXXX RESURGENT CAPTIAL COLLECTION WITH ACCOUNT ERRORS INCLUDING ( THE WRONG DATE OPENED, MISCLASSIFICATION AS A FACTORING ACCOUNT INSTEAD OF A COLLECTION, INACCURATE PAYMENT TERMS, AND INCORRECT REMOVALE DATE BEYOND THE XXXX YEAR REPORTING LIMIT. THESE INACCURACIES VIOLATE THE FAIR CREDIT REPORTING ACT AND ARE DAMAGING MY CREDIT PROFILE. I AM REQUSTION IMMEDIATE ( DELETION ) OF THIS ACCOUNT

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for continuing to report and verify a XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) that is unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

LexisNexis has been supplying this data to XXXX which is using it to justify the continued reporting of a bankruptcy public record. However, I have since obtained an official letter from the U.S. Bankruptcy Court in XXXXXXXX XXXX, dated XXXX XXXX XXXX, that states : " The U.S. Bankruptcy Court does not report or verify information with credit bureaus ... Credit bureaus do not contact the court to verify bankruptcy filings. '' This means LexisNexis is misrepresenting this public record as verified without any authority or ability to confirm it from the original source. 

Violations : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) LexisNexis failed to maintain procedures to ensure the maximum possible accuracy of the information provided to credit bureaus FCRA 611 ( 15 U.S.C. 1681i ) Failure to reinvestigate or remove false and unverifiable information when previously disputed I am attaching a copy of the courts letter showing LexisNexis has no legal ability to verify this public record. Their continued reporting has caused harm and misrepresentation of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I used this card about three times in the beginning, and they froze it. And they asked me to take a picture of me and my license and send it to them, and then a few days later they asked me for a photo of my license and a photo of my kid again, and I did. But they shut my card down and now they're asking me to pay a year 's usage tax of {$250.00}. Do I have to pay a year 's fee for my card that I only used for two hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have been trying to apply for an Apple Card for about two years now. Every single time I apply it delays my application. Once it is delayed it then advises that Based on the information submitted, you may already have an account.

I have called them three times. The first time I was helped by a very kind gentleman, he helped me to transfer me to upper management who advised me they would put in a ticket and I would be contacted. About a week and a half went by and I called again and got an employee who said that someone must be using my information or using my social. I asked what the next steps would be and she advised to call my credit bureaus to assist. 

The company didnt provide me a solution nor provided me with enough information/details to fix the issue. Ive advised multiple times I dont have an account under my name and email. The employees on the phone advise they dont see I have an account, yet nothing has been done. 

I did call equifax not long ago. When I was concerned because I started getting phone calls about another individual. XXXX employee advised I have whats called a mixed file. I provided them proof of my identity and everything was fine for awhile but this Apple Card thing has never been resolved and the Apple company isnt providing me a way to rectify this problem to fairly apply.

Company response to consumer: Closed with explanation