vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I have a XXXX account ( ending in XXXX ) that is current and has never been late. Upon reviewing my credit reports, I observed : TransUnion and XXXX : Both bureaus report this account, but with contradictory information regarding account status and payment history. 

XXXX : This account is not reported at all, resulting in an incomplete credit profile. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' of the information they report.

15 U.S.C. 1681i : Mandates that credit bureaus investigate and correct inaccurate or incomplete information upon notification.

15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information to provide accurate data to all credit reporting agencies.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I am requesting the deletion of a charged-off account originally from Upstart Network Inc . This account was sold to XXXX XXXX XXXX and the balance was fully paid through XXXX XXXX XXXX XXXX After payment, I received a Release of Claim letter and a 1099-C, confirming the account was resolved and no longer owed. XXXX XXXX and their servicer, XXXX XXXX, both confirmed they do not report to credit bureaus. When I contacted them for a goodwill deletion, they advised me to contact Upstart. However, Upstart no longer owns or services the account, yet continues to report it as charged-off with a negative payment history. This reporting is inaccurate and unfairly damaging my credit. I am requesting that this account be fully deleted from all credit reports, as it is no longer valid, collectible, or reflective of my current creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Basically everything that is on Experian Is incorrect and not accurate information thats being reported

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-08 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: GA

Complaint narrative:
Late Payment ( XXXX Bureaus ) XXXXXXXX XXXX  Account Number : XXXX - Past Due : {$0.00} My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 usc 1681a & 15 usc 1681a1 To whom it may concern : After recently pulling a copy of my credit report, was shocked by what I discovered I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

List name of the account with late payment : 5/3 BANK NA The dates of the late payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Account numbers : XXXX I say this because, the states that my consumer report should not include any transactions or experiences between me the consumer consumer and any person making a report. Further more, never gave any consent for these alleged transactions. 
These are clear violations of a number of my consumer rights under 15 USC 1681a & 15 usc 1681a1 Please delete these late payments from my consumer report and update this account as soon as possible. 

I am filing this complaint to dispute an inaccurately reported late payment on my auto loan account with [ 5/3 BANK NA ], in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

According to my credit report, [ 5/3 BANK NA ] reported late payments for the billing periods ending on or around [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ]. However, I made the payment on time, and I have attached documentation ( e.g., bank statement, payment confirmation ) to verify this.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report information accurately. Moreover, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item with a credit bureau , the furnisher must : 1. Conduct a reasonable investigation, 2. Review all relevant information provided by the credit bureau XXXX XXXX. Correct or delete inaccurate or unverifiable information. 

Despite my dispute, [ 5/3 BANK NA ] has continued to report the payment as late without correcting or removing the inaccurate data. This is causing ongoing harm to my credit profile and violates my rights under federal law. 

I am requesting that the CFPB take action to ensure : The inaccurate late payments to be removed ASAP My credit report is updated accordingly, [ 5/3 BANK NA ] complies with the FCRA in future reporting. 

Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Identity Theft and Fraudulent Account on Credit Report Dear Consumer Financial Protection Bureau, I am writing to report an instance of identity theft and request assistance in resolving a fraudulent account that has appeared on my credit report. My personal information was stolen, resulting in XXXXhree fraudulent accounts that I did not authorize, and have no knowledge of. 

One of the accounts is listed under FIFTH THIRD BANK with the following details : Account Number : [ XXXX ] Account Type : Installment Account Type Detail : Installment Bureau Code : Individual Account Account Status : Closed Date Opened : XX/XX/year> Balance : {$0.00} I have never opened this account, logged into it, made any payments on it, nor have I signed any documents or contracts related to this account. Despite my efforts to dispute this fraudulent account with the credit bureaus, including submitting an FTC report and notarized affidavit, the fraudulent account has not been removed from my credit report. 

I have contacted the credit bureaus multiple times and provided all the necessary documentation to support my claim, including : FTC report Notarized affidavit Letters of dispute Unfortunately, the credit bureaus have failed to resolve this issue and remove the fraudulent account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I refinanced a construction loan ( XXXX XXXX XXXXXXXX XXXX ) with a mortgage loan ( lender - Wells Fargo ). Loan principal amount being paid off was the same as the loan principal on the new loan. Closing was set for XX/XX/year>, which is when my loan began with Wells Fargo. This meant I started paying interest on this new loan on XX/XX/year>. 

However, Wells Fargo did not provide funds to XXXXXXXX XXXX to pay off this loan until XX/XX/year>. This meant XXXXXXXX XXXX charged my interest from XX/XX/year> to XX/XX/year>. 

Thus, I had to pay interest for XXXX days to two different banks because Wells Fargo did not wire funds on the closing date. 

I have filed multiple complaints on this, and Wells Fargo says that they do not owe me any money back. 

To me, this is effectively stealing from me. I need someone who cares about consumers to look into this as it is wrong. Should not have to pay interest twice on the same loan.

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 2025-04-08 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
I recently filed a dispute on XX/XX/year> for XXXX, XXXX XXXX XXXX  accounts. XXXX account number is XXXX the other account number for the second account is XXXX. Experian  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian  ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. Experian  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or correctedimmediately as it's affecting my chances of getting { house, car, etc }. Experian  violates my rights as a consumer, as well as federal 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
{$750.00} I called the company letting them know that this was involved in identity theft

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 2025-04-08 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:
On or around XX/XX/XXXX, I noticed that an account, " XXXX XXXX '' appeared on my credit report as an " open '' account for XXXX  years! The claimed debt amount owed is : {$100.00}. 

I mailed XXXX letters, which I have records of. XXXX letter was sent to TransUnion, XXXX to XXXX, XXXX to XXXX, and XXXX to XXXX. 

I was notified by Transunion, XXXX, and XXXX several times over the span of XXXX months that this " XXXX XXXX  ' " had verified my information as accurate and that the account belonged to me ''. I never heard anything back from XXXX XXXX. 

So on XX/XX/XXXX, I called XXXX and have a recorded phone call saved on my phone. 
Since, they do not seem to be willing to remove this account from my credit reports, I am building a case against them. I've already asked them to prove this account was mine. I've told them it wasn't mine and I've requested they remove it and cease reporting to the credit bureaus. 

On the phone call, they gave me a " new mailing address '' and " department '' that I should mail all correspondence to going forward. 

on XX/XX/XXXX I have mailed them another certified letter, demanding that they remove this fraudulent account from reporting to the major credit bureaus. 

I am following up with a an official CFPB complaint to go along with that letter. The FTC complaint will be next, followed by possible legal action.

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 2025-04-08 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:
On or around XX/XX/XXXX, I noticed that an account, " XXXX XXXX '' appeared on my credit report as an " open '' account for 6 years! The claimed debt amount owed is : {$100.00}. 

I mailed XXXX letters, which I have records of. XXXX letter was sent to XXXX, XXXX to Equifax, XXXX to XXXX, and XXXX to XXXX. 

I was notified by XXXX, Equifax, and XXXX several times over the span of XXXX months that this " XXXX XXXX XXXX " had verified my information as accurate and that the account belonged to me ''. I never heard anything back from XXXX XXXX. 

So on XX/XX/XXXX, I called XXXX and have a recorded phone call saved on my phone. 
Since, they do not seem to be willing to remove this account from my credit reports, I am building a case against them. I've already asked them to prove this account was mine. I've told them it wasn't mine and I've requested they remove it and cease reporting to the credit bureaus. 

On the phone call, they gave me a " new mailing address '' and " department '' that I should mail all correspondence to going forward. 

on XX/XX/XXXX I have mailed them another certified letter, demanding that they remove this fraudulent account from reporting to the major credit bureaus. 

I am following up with a an official CFPB complaint to go along with that letter. The FTC complaint will be next, followed by possible legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I cosign for my son a car with credit acceptance my son the car broke down and my son did not pay for it but I have filed bankruptcy in XXXX in which that car was included in my bankruptcy. I have since filed bankruptcy in XXXX and everything was cleared up. Ive tried to purchase a card number of times this month and was denied because I have a repossession on my credit report when I found out that credit acceptance is still reporting a repossession to my credit report from XXXX, but I have filed bankruptcy twice since then and its hindering me from obtaining any other kind of loans or financing.

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 2025-04-08 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: NJ

Complaint narrative:
Okay, I will be submitting my FTC AND my police report. This is ridiculous. This company JUST sent me something and that was only because I am now complaining and trying to get this off my credit. If this was actually me why was it so hard to find me? Contact me? Maybe cause you people dont actually know me and I never ACTUALLY submitted or signed and XXXX thing for Florida XXXX. I live in FL for 6 months in 2021. SO OBVIOUSLY this complaint isnt going to help. So I will be back with my FTC and police report on both companies and both the people you people rented to. Who the XXXX lets someone sign a lease who is NOT present? What company DOESNT ask for forms of ID? XXXX slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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