vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: MI

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

Personal Information ( Experian ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX , TX 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 non-monetary relief
Consumer complaint received 2025-03-12 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: TX

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

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 2025-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
My Premier Savings Account with Upgrade ( XXXX XXXXXXXX XXXX  ) was suspended without any notice to me, I realized when my payments from that account for Mortgage and other payments started getting declined. 
I was charged multiple returned payment fees- {$30.00} US bank, {$25.00} Loan Depot - Totalling {$200.00} from other institutions and was also charged late payment fees. Calling customer service has not been useful and they just m
ention it takes 30-45 days.

Also upgrade has started returning payments which were already received 2-3 months back and settled completely- this has caused undue hardship as on one hand all my upgrade funds are frozen and second it is very difficult to reconcile and request previously made payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX ll, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, PROSPERMP XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Personal Information ( TransUnion ) Employers : 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Spoke with a representative with Equifax whose primary language was not English and she was extremely hard to understand. She asked extremely specific security questions about loan amounts and information that was not worthy as I already verified other aspects of the verification with the exception of a selfie. She told me that I could not be verified and to call back to try again. So I did that this time using my drivers license and selfie like I was asked and the representative read notes left by other representative and told me that I have to mail in a copy of my social security card and ID in order to gain access to my report and unlock the freeze. This is with Equifax. Worse experience I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  XXXX has submitted a reinsertion request for the account ending in XXXX and they have not gotten a confirmation that it was processed by Experian. Please confirm that this has been reinserted on my report as it was previously removed. I am an authorized user.

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 2025-03-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN and TransUnion displaying incorrec information on my credit report

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 2025-03-12 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: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> Equifax Subject : Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act Dear Equifax I am writing to formally dispute an item on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be incorrect. I request that you investigate the following issue and correct or remove it as soon as possible. 

Account Name : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TN

Complaint narrative:
I noticed a bankruptcy entry on my credit report with Equifax that I believed was incorrect. I disputed this entry, as the U.S. Bankruptcy Court, the original source of bankruptcy records, does not report directly to credit bureaus or third-party agencies like XXXX. I requested that Equifax provide proof of verification from the court. 

Equifax responded stating that they verified the bankruptcy through XXXX. However, XXXX is not the original source of bankruptcy records. The U.S. Bankruptcy Court does not report to credit bureaus or third parties, and Equifax failed to provide direct verification from the court. As a result, the inaccurate bankruptcy entry remains on my credit report. 

I am requesting that Equifax remove the bankruptcy from my credit report unless they can provide direct verification from the U.S. Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated. 

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 XXXX XXXX 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 2025-03-12 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed inquiries that I didn't do. XXXX XXXX XX/XX/year>, XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am being told I have XXXX XXXX XXXX XXXX when I XXXX XXXX XXXX XXXX before I left. 
The XXXX XXXX XXXX XXXX XXXX XXXX which I started in XXXX and graduated at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The school was located at XXXX XXXX XXXX XXXX XXXX NV XXXX. 
It closed XX/XX/XXXX and became XXXX XXXX. 
My graduating teacher was XXXX XXXX... she was a red hair, Caucasian woman with freckles. 
I graduated with honors for XXXX XXXX XXXX and it should be on video at the XXXX XXXX. 
The phone number was XXXX Located across from XXXX XXXX. 
I don't know why XXXX XXXX is putting false loans under my SSN unless someone used a computer and was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I drove a XXXX XXXX and worked at XXXX XXXX XXXX XXXX XXXX paid XXXX cash in total to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I paid XXXX upfront and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Here 's the phone number for XXXX XXXX XXXX. The second XXXX  I paid in full was XXXXXXXX XXXX XXXX XXXX I was told by XXXX XXXX the same day I returned my XXXXXXXX XXXX to put my money in a Cashier 's Check ... XXXX when I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... I got one from XXXX XXXX XXXX. I returned they said they didn't have that much change in the register to give me back XXXX but they will leave it for them to enter in the morning. The XXXX XXXX put my money order inside the register... but someone stole my ID prior and probably used it to cash my money order. I also got a XXXX XXXX XXXX XXXXXXXX XXXX but the cashier 's check was Never applied to my XXXX and I went down there recently ... I asked for my refund and the representative said I Owe them ... XXXX.I almost passed out... I need my money. I was driving a XXXX XXXX XXXX XXXX XXXXXXXX when someone claimed I ran into there car but on video ... XXXXI was in a entirely different side of the XXXX. I never went to XXXX XXXX XXXX XXXX XXXX... .I was working at XXXX XXXX fulltime on XXXXXXXX XXXX XXXX. and kept falling asleep in XXXX so XXXX XXXX XXXX XXXX XXXX XXXX became overwhelming for me plus taking care of my XXXXXXXX XXXX XXXX XXXX XXXX.. .I had to pick them up from XXXX at certain times and XXXX XXXX XXXX XXXX XXXX.. .I was there only source of getting home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am being told I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I left. 
The XXXX XXXX XXXX XXXX XXXX XXXX which I started in XXXX and graduated at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
The school was located at XXXX XXXX XXXX XXXX XXXX NV XXXX. 
It closed XX/XX/XXXX and became XXXX XXXX. 
My graduating teacher was XXXX XXXX... she was a red hair, Caucasian woman with freckles. 
I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and it should be on video at the XXXX XXXX. 
The phone number was XXXX Located across from XXXX XXXX. 
I don't know why XXXX XXXX is putting false XXXX under my SSN unless someone used a computer and was going to school online because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX paid XXXX cash in total to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid XXXX upfront and XXXX before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Here 's the phone number for XXXX XXXX XXXX. The second school I paid in full was XXXXXXXX XXXX XXXX XXXX. I was told by XXXX XXXX  the same day I XXXX XXXX XXXX XXXX to put my money in a Cashier 's Check ... XXXX when I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I got one from XXXX XXXX XXXX. I returned they said they didn't have that much change in the register to give me back XXXX but they will leave it for them to enter in the morning. The XXXX XXXX put my money order inside the register... but someone stole my ID prior and probably used it to cash my money order. I also got a XXXX XXXX XXXX XXXXXXXX XXXX but the cashier 's check was Never applied to my XXXX  and I went down there recently ... I asked for my refund and the representative said I Owe them ... ..I almost passed out... I need my money. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when someone claimed I ran into there car but on video ... .I was in a entirely different side of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. .I was working at XXXX XXXX XXXX XXXX XXXX XXXX XXXX... and kept falling asleep in XXXX so I dropped out because XXXX XXXX became overwhelming for me plus taking care of my XXXX XXXX XXXX XXXX XXXX.. .I had to pick them up from XXXX at certain times and without my kids father ... XXXX was there only source of getting home.

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