vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Credit Report Information Dear Experian, I am writing to formally dispute all accounts listed on my credit report, as they have been inaccurately reported and are the result of fraud. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the maximum possible accuracy of consumer credit information and remove fraudulent entries promptly. Additionally, the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian has raised concerns regarding inadequate dispute investigations and the failure to remove unverified or fraudulent data. 

The following fraudulent accounts are inaccurately reported on my credit file XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXXXXXX - XXXX XXXX, ACCOUNT NUMBER XXXX - XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX **Multiple unauthorized inquiries** - **Erroneous negative marks impacting my credit score** - Enclosed are copies of supporting documents, including identity theft reports, police reports, and other relevant evidence confirming that I did not authorize these accounts or transactions. 

Given the serious nature of this issue, I formally request that you : 1. Conduct an immediate and thorough reinvestigation of all disputed information.

2. Remove all fraudulent accounts and unauthorized inquiries from my credit report.

3. Provide me with a written confirmation once the inaccurate information has been corrected.

4. Take all necessary steps to prevent further fraudulent reporting under my name.

The FCRA mandates that all reinvestigations must be completed within 30 days. If I do not receive a resolution within this timeframe, I will escalate this matter to the CFPB and pursue additional legal action if necessary. 

I appreciate your urgent attention to this matter and expect a prompt resolution. Please confirm receipt of this dispute by mail or email at your earliest convenience. 

Sincerely, XXXX XXXX [ Enclosures : Identity theft reports, supporting documentation.

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 2025-04-03 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:
According to 15. U.S.C 1692 ( C ) you have violated my rights by in lawful communication please remove this collection off my credit report thank you.

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 2025-04-03 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: AZ

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened a Rewards Checking Plus checking account at Upgrade.com. Upgrade was running a promotion ( screenshot of terms attached ) providing a {$300.00} bonus for new accounts which had a payroll direct deposit via ACH of at least {$1000.00} within 45 days after opening the account. 

On XX/XX/XXXX, a {$1000.00} payroll direct deposit was made into my Upgrade checking a/c by my payroll provider XXXX A screenshot of my Upgrade online statement showing the payroll deposit is attached. 

The {$300.00} bonus was supposed to be awarded within 60 days following the direct deposit date, so my bonus should have been posted on or before XX/XX/XXXX. 

As of XX/XX/XXXX, I had not received the {$300.00} bonus so I called Upgrade customer service. Initially I was told the promotion was a {$50.00} bonus. I told the agent this was incorrect, and explained the ( above ) promotion running when I opened my account. The agent then said she found the promo, but that my {$1000.00} payroll deposit was not eligible because it was coded by XXXX as an ACH. I explained this was not an ACH transfer I did, but rather was a payroll deposit from a 3rd party payroll provider and met the conditions of Upgrades terms which state that payroll deposits via ACH are eligible. I read her the exact words from their offer ( see attached ) which say, " Eligible direct deposits are recurring deposits to your Rewards Checking Plus by Automated Clearing House ( ACH ) from your employer, payroll or benefits provider or gig economy payer Clearly the deposit was eligible.

I asked for a supervisor. After waiting on hold for 15 minutes she came back to tell me no supervisors were available. She said I would hear back from their resolutions department in 3 - 5 days. I also sent an email containing the above information and received a response they would contact me in 3-5 business days. 

Today is XX/XX/XXXX, 6 business days after I was told I'd receive a response, and I've received no response. It appears Upgrade is trying to dodge their responsibility to pay me the {$300.00} bonus which I clearly qualified for, and they have not responded. THEY CLEARLY DON'T KEEP THEIR PROMISES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA closed my accounts XXXX XXXX XXXX and said it would be 60 days before they sent me my funds. Direct deposits have gone in after the fact and per regulation CC regarding funds availability and USAAs own depository agreement these funds should have been made available. 
There is also nothing in USAAs depository agreement about funds taking 60 days after the account is restricted. 

USAA is in violation of their own depository agreement as well as federal regulations regarding the expedited funds availability act. 

I will be retaining an attorney regarding these violations if my funds are not sent within the next 10 days.

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 2025-04-03 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: FL

Complaint narrative:
I recently discovered that my information and Social Security number had been compromised in the Equifax data breach, resulting in several fraudulent accounts on my credit report. The following fraudulent accounts I noticed are the following ; XXXX XXXX XXXX {$860.00}, XXXX {$0.00}, XXXX XXXX XXXX {$570.00}, XXXX {$1600.00}, XXXXXXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to report the failure of the three major credit bureaus ( XXXX, Experian, and XXXX ) to properly handle my dispute, which was submitted over 30 days ago. Despite providing sufficient documentation, the bureaus have not resolved the matter within the legally required timeframe. Instead of investigating the accuracy of the information on my credit report, they have responded with stall letters, falsely claiming that I did not submit the dispute when in fact I did. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). After the 30-day period had passed, I received stall letters from all three bureaus claiming they could not confirm that I had sent the dispute letters. These letters seem to be an attempt to avoid fulfilling their legal responsibility to investigate my claims. They have failed to properly investigate the matter and have instead sent a generic response that is inaccurate and dismissive. 
this delay and failure to resolve my dispute is significantly affecting my ability to manage my financial life. It is creating unnecessary stress and hindering my financial opportunities, as the inaccurate information remains on my credit report. The failure to investigate and resolve the dispute within the 30-day period is a violation of my rights under the FCRA, which mandates timely investigations of disputes. the following are the accounts disputed to the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal dispute regarding First Investors Servicing Corporation 's failure to update their records and provide me with the title for my account, which has been satisfied.

On [ Date ], I submitted a Form 1099-A to the IRS, which was accepted and processed. Following this, I provided the relevant information and documentation to First Investors Servicing Corporation, fulfilling my financial obligation for the account in question. Despite my compliance and multiple attempts to request an update, they have not reflected the account as satisfied, nor have they provided me with the title as required.

I have made several attempts to resolve this matter directly with First Investors Servicing Corporation, but they have failed to take appropriate action. Their lack of response and refusal to update my records is causing unnecessary hardship and is in violation of fair business practices.

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 2025-04-03 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX 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 2025-04-03 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: PA

Complaint narrative:
On XX/XX/year>, I filed a Complaint with the CFPB against XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX  responed to that complaint ( See Complaint # XXXX ) In XXXX XXXX XXXX respone to the aforementioned complaint. They state the following within their response : " A request to update your credit report will be sent to the appropriate credit reporting agencies. Please allow up to sixty ( 60 ) days for this to reflect on your credit report. '' After that writing. I thought the issue was taken care of. Until I applied to a Mortgage to purchase an income property. I found then that my credit score had dropped because of this issue still being present on my credit. 
I contacted XXXX XXXX on the day of this writing. They informed me emphatically that they had already requested that this newgative information be removed from my credit files. And that I should contact the Credit Bereaus to ascertain as to why it had not been done within th allotted 60 day time period they requested that I wait before checking.

PlLEASE NOTE, to date it has been over NINETY ( 90 ) DAYS since they made thid request to the credit bereaus. 
Thus, the reason for this complaint. I state that the negative reporting from XXXX XXXX  should have necer happened. simply because as acknowledged By XXXX XXXX themselves I paid this entire bill prior to the lates alleged therein.

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 2025-04-03 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: PA

Complaint narrative:
On XX/XX/year>, I filed a Complaint with the CFPB against XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX  responed to that complaint ( See Complaint # XXXX ) In XXXX XXXX XXXX respone to the aforementioned complaint. They state the following within their response : " A request to update your credit report will be sent to the appropriate credit reporting agencies. Please allow up to sixty ( 60 ) days for this to reflect on your credit report. '' After that writing. I thought the issue was taken care of. Until I applied to a Mortgage to purchase an income property. I found then that my credit score had dropped because of this issue still being present on my credit. 
I contacted XXXX XXXX on the day of this writing. They informed me emphatically that they had already requested that this newgative information be removed from my credit files. And that I should contact the Credit Bereaus to ascertain as to why it had not been done within th allotted 60 day time period they requested that I wait before checking.

PlLEASE NOTE, to date it has been over NINETY ( 90 ) DAYS since they made thid request to the credit bereaus. 
Thus, the reason for this complaint. I state that the negative reporting from XXXX XXXX  should have necer happened. simply because as acknowledged By XXXX XXXX themselves I paid this entire bill prior to the lates alleged therein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-04-03 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: Self Financial Inc.
State: OR

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX has many inaccurate address info, Job Info along with unauthorized hard inquiries I did not authorize. I have one address, also I don't work according to the FCRA any inaccuracies needs to be investigated and removed. 

My Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Hard Inquiries : XXXX XX/XX/year> 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> I will attach my drivers license, social security card this is my identity validation no need to request identity validation after this dispute such as stalling method I'm aware credit agencies does that. Please investigate and remove immediately Thank you. 



Your Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
XXXXompany reported late payments on my credit report without my approval. I also been making payments on time. I was in the hospital sent my proof to each company and still no response. b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2025-04-03 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 have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This third-party debt collection company has been harassing me for over a year regarding a debt fraudulently reported by an apartment complex. The reporting and subsequent sale of this debt to the collection company represent a breach of my personal data. The collection agency has consistently provided inaccurate information regarding this alleged debt, and I have gone above and beyond by presenting ample evidence to substantiate my concerns, despite having no contractual obligation to either the debt collector or the apartment complex. 

Despite my efforts, the collection company has repeatedly disregarded my evidence, insisting the debt is legitimate and dismissing the supporting documentation Ive submitted. Their actions have caused significant long-term financial harm, including damage to my creditworthiness, which has hindered my ability to obtain credit. Both XXXX and XXXX have conducted thorough investigations, confirmed the debt as fraudulent, and removed it from my credit reports. 

Nevertheless, this collection agency continues its attempts to collect the debt and has failed to provide any of the information I have formally requested to validate their claims, as required under the Fair Debt Collection Practices Act ( FDCPA ). I respectfully demand that this company immediately cease all collection efforts related to this fraudulent debt and discontinue any further communication with me.

Company response to consumer: Closed with explanation