vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
My lease ended in XX/XX/XXXX. I paid all of my auto payments ( XXXX payments ). I returned the lease at the end of my contract and the same dealership gave me a new vehicle. In XX/XX/XXXX I received notice that my credit score dropped and I had a derogatory account from XXXX. I made calls and was informed a disposition fee was not paid. I have leased from others for over 10 years and never had to pay a fee outside of my lease monthly payments. The dealership told me the account for that car was satisfied when I got my new lease. In XX/XX/XXXX when I learned about the outstanding disposition fee I paid it immediately! Now XXXX has changed the report to say improved vs deragotory and that it's still charged off. The account according to me has been closed and settled since I returned the lease. I can't keep paying on it to make it improve because I don't owe them or have their vehicle. I have included a picture of a letter they actually recently sent that says paid off. Yet they are reporting it as charged off and late. Please help remove the charge off status and the late status. This account is in good standing actually it should be closed. I paid on time monthly until the end of my contract. 

I have disputed with XXXX  and experian and have received XXXX letters in the mail from XXXX dated XX/XX/XXXX. One letter states there were no lates on this account. The same letter says this account was charged off in XXXX but my credit report says XXXX and XXXX. This letter also states last payment was made XX/XX/XXXX but the account was paid in full XXXX. Inconsistencies. No lates just a Charge off? Odd. The second letter states the account was charged as a loss and paid off. Inconsistencies. Both letters have contradicting information. I returned my lease for a new one in XX/XX/XXXX and received a new car. My loan was paid in full and the account was settled to my knowledge. Per my report with Experian, XXXX said my XX/XX/XXXX balance was {$570.00} and they received this XXXX payment of a 24 month lease ( this was when I returned it. ) this same report says {$410.00} ( not my car note ) was due XX/XX/XXXX ( I no longer had the vehicle ) and they received $ XXXX. Then the report shows {$410.00} still being owed until XXXX ( after the $ XXXX payment ) when they charged it off. Then the month of may because they added another month after the disputes begin Please help remove this off my credit report in all negative aspects. It's not late or charged off.

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 2025-08-13 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Please take another look at this late entry ; it might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: OH

Complaint narrative:
A collection account is being inaccurately reported on my credit report by XXXX  and the debt collector XXXX XXXX. This is negatively affecting my credit score and appears to be a violation of the Fair Credit Reporting Act ( FCRA ).

I disputed a medical collection account with XXXX  that was reported by XXXX XXXX for an original creditor called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt is from XXXX. However, after my dispute, XXXX updated the account to show a Date Opened of XX/XX/XXXX, which is in the future. 
This update appears to be a case of " re-aging '' the debt, which is prohibited under the FCRA. The actual date of first delinquency is from XXXX, and this date should be used to determine the 7-year reporting limit. Changing it to XXXX makes the account look newer than it is and causes unfair damage to my credit. 
Additionally, the account was marked as " verified as accurate '' after my dispute, but this new date is factually incorrect. I believe this is either an error or an intentional act to keep the collection on my report longer than allowed. 

The balance is {$1000.00} and stems from a medical debt, which adds another layer of concern given the updated reporting guidelines for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Statement Regarding Upgrade Inc Account In early XXXX, Upgrade Inc reported a personal loan account with an outstanding balance of approximately {$22000.00} plus that I had been making payments on. Around XXXX, XXXX, I entered into a debt resolution arrangement through XXXX XXXX to address this account. Under the agreement, funds were to be collected and then disbursed to Upgrade Inc as a negotiated settlement. 
Despite payments being processed through XXXX XXXX XXXX Upgrade Inc continued to report the account with inaccurate balances and recent late payment notations. As of XXXX, the balance shown on my credit file does not reflect the reduced settlement amount communicated to me by both XXXX XXXX and Upgrade Incs collections department. 
I have attempted to resolve the discrepancy by contacting both XXXX XXXX and Upgrade Inc. XXXX XXXX confirmed payments have been sent, while Upgrade Inc has not updated the account to reflect the correct settled balance or status. The continued reporting of an incorrect balance and late payments is inaccurate and does not represent the true history of the account since the settlement process began. 
I am requesting that the reporting be corrected to accurately reflect the settled balance and payment status as agreed, and that any incorrect late payment notations made after the settlement arrangement date be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MPOWER Financing, Public Benefit Corporation
State: NY

Complaint narrative:
This is my second complaint against MPOWER Financing regarding an account that was obtained and reported under fraudulent and misleading circumstances.

Two MPOWER representatives, XXXX and XXXX, assured me prior to enrollment that I was approved for a {$64000.00} loan covering two semesters of my graduate program. Relying on these assurances, I accepted the offer, signed the agreement, and my school issued my Form I-20 based on this funding a legal immigration document required for entry into the U.S.

After arriving in the U.S., I discovered that MPOWER only disbursed funds for one semester, leaving me with a significant unpaid balance, jeopardizing my lawful student status, and causing severe financial harm.

MPOWER has refused to correct the record or remove the inaccurate debt from my credit report. Instead, they claim both representatives are no longer employed there and are attempting to shift the responsibility entirely to me.

In my first CFPB complaint, MPOWER provided only a recording of a conversation with a different representative in XXXX two months after I started school which is irrelevant to the original discussions and loan agreement. They have not provided the call recordings or written communications with XXXX and XXXX, which are the basis of my fraud claim and which I have requested multiple times, both directly and through the CFPB process. 

I am requesting that the CFPB require MPOWER to : 1. Produce all original call recordings, emails, and application documents from the period when I applied and signed the contract ( with XXXX and XXXX ). 
2. Provide written proof that they disclosed the loan would only cover one semester.

3. Remove the account from my credit reports if they can not provide verifiable proof of the original loan terms. 

This matter involves both financial fraud and immigration-related harm, and MPOWERs continued reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$210.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 2025-08-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On my credit report I saw that I have a collection for XXXX $ from company MIDLAND CREDIT MANAGEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of my student loan account on my credit report based on violations of the Family Educational Rights and Privacy Act ( FERPA ). I recently reviewed my records and have reason to believe that my educational information was disclosed to the credit bureaus without my explicit consent, thereby infringing on my rights under FERPA.

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 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to address a fraudulent account appearing on my credit report. I have never opened, authorized, or had any affiliation with this account. Its presence is damaging my creditworthiness and causing ongoing distress. I require an immediate and thorough investigation by all relevant parties, including the credit bureaus and the furnisher, to confirm the accounts lack of legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-13 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts inaccurately reported on my credit file. The items listed below are reporting in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts contain late payment notations, charge-offs, and collection statuses that are either inaccurate, unverifiable, or outdated. 
XXXX XXXX XXXX XXXX, PA XXXX Duplicate Wrong Address Issue : This address is already listed above and remains an error. Multiple entries of the same incorrect address only increase the likelihood of data mismatching.

Law : FCRA 1681i ( a ) Credit reporting agencies must promptly delete or modify inaccurate information. 
Story : Repeated listing of an incorrect address demonstrates negligence in maintaining my credit file. This undermines the integrity of the entire credit reporting system and causes unnecessary confusion for anyone reviewing my report. 
XXXX XXXX XXXX * Late Payment * * Issue : The reported late payment is incorrect as payments were made on time or were under an approved payment arrangement.

Law : FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information shall not furnish information that is known to be inaccurate. 
XXXX : This false late payment has caused my credit score to drop by more than XXXX points, affecting my eligibility for loans, credit cards, and housing. Lenders view such negative marks as high-risk behavior, even when the entry is false. This has resulted in higher interest rates, increased insurance premiums, and unnecessary financial hardship.

Summary of Damages & Request for Action The above accounts contain serious reporting errors that are misleading, unverifiable, and in direct violation of federal consumer protection laws. These inaccuracies have resulted in credit denials, higher interest rates, and reputational harm. I am requesting that the CFPB investigate these violations and compel the furnishers and credit bureaus to : 1. Conduct a proper reinvestigation as mandated by FCRA 1681i ( a ).

2. Remove any information that can not be verified with documented evidence. 
XXXX. Correct all misleading account statuses that misrepresent my payment history or current obligations. 
I am providing this complaint to ensure that my rights under the FCRA and FDCPA are upheld and that all inaccurate, incomplete, and unverified information is permanently removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-13 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
As I was trying to buy a house, there shall been no damages on my report. A few items I paid off I was promised that it will be removed and an investigation wasn't done properly. I also disputed many things I wasn't aware of and this is defamation of character. These fraudulent things are hindering me from buying a house and my score moving. According to the law 15 1681C-2 The proper thing to do will be to remove all fraudulent accounts and to be remove immediately.

Company response to consumer: Closed with explanation