vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the following account ( s ) listed on my credit report with TransUnion. These accounts are either inaccurately reported or do not reflect the correct status as per my records. 

CHARGED OFF : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX, Balance : {$550.00}. 

XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Reported : XX/XX/XXXX, Balance : {$1300.00}. 

XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, XXXX : {$0.00}. 

LATE PAYMENTS : XXXX XXXX Account Number : 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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Starting back in XXXX I had started the process of finding out about Upstart 's hardship program due to job loss. Once I receive this information I replied back to them that their options do not work as I do not have incoming in but would try to make good faith payments when I could on Sat, XX/XX/year>. Instead of working with me, I started receiving harassing phone calls about my payment being late since they did not receive the full payment. I emailed and told them to stop calling me and to only contacted via email. On XXXX, XXXX XXXX  I emailed with the following " I have already responded several times now. I have already told you that I lost my job. I had applied for hardship and your response was to lower my payment by {$100.00}. I made a good faith payment. Since I no longer have income coming in, making my payment is not a priority. Stop calling me. '' The calls did NOT stop. Then on XX/XX/year> I asked for my loan to be placed into forbearance as I do not have a job or any income " I contacted you before. I have lost my job, so I will pay you what or if I can afford to pay anything. Your hardship program was of no help to me. If you can put my loan into a forbearance and pause the payments then that would be helpful. '' I just received the following reply on XX/XX/year> " We are sorry to hear that you are not satisfied with the hardship options provided. At this time, those are the only hardship plans we can provide. '' I have replied to them again today, as they continue to call and harass me daily that my voicemail box is full. The hardship options have not changed and they have not even considered forbearance while I have no job or income. I have several case numbers that Upstart assigned to this but ignored or disregarded. The Case numbers are as follows : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX XXXXXXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5900.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$610.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$2500.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit Cards Date opened XX/XX/XXXX Balance {$680.00}

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 2025-11-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Business : PayPal Issue : Refund not returned to my PayPal balance / Missing funds On I XX/XX/XXXX I made a payment of {$85.00} through PayPal to XXXX. I used a XXXX bank account that had already been closed. XXXX later issued a refund for the full amount. 

I contacted XXXX, and they confirmed in writing / by phone that because the bank account no longer exists, they immediately sent the refund back to PayPal. XXXX stated that no funds could be deposited into a closed account. 

Despite this, PayPal did not credit the refund back to my PayPal balance, and instead repeatedly told me that the refund went to XXXX, which is not accurate according to XXXX. During this period, my PayPal account went negative due to the original transaction not being covered by the closed bank account. 

After this, a friend sent me {$100.00} to help cover the negative balance. However, after the {$100.00} arrived, my PayPal account balance is only {$14.00}, which means PayPal kept the entire refund amount plus additional funds. PayPal has not released the missing refund, nor explained clearly where the money went. 

Attempts to Resolve : I contacted PayPal customer service multiple times, but each agent gave me conflicting answers and none addressed the fact that XXXX returned the refund to PayPal. No investigation or correction has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-19 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting 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 2025-11-19 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: CO

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am writing to file a formal dispute regarding several accounts and inquiries that are inaccurately reported on my credit file. Below, I have outlined the disputed items for each bureau. 


Charged Off Accounts : 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 2025-11-19 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: IL

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

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 2025-11-19 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: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-11-19 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or 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 2025-11-19 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-11-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I noticed that my XXXX XXXX was stuck below XXXX, so I decided to investigate my open accounts on XXXX XXXX. During my review, I discovered that I had a Care Credit card that was maxed out. I called Care Credit to inquire about the {$6000.00} in charges. They informed me that I had opened this account approximately a year ago but was only making minimum payments, which caused the balance to increase. 

When I mentioned that I didnt see any payments to Care Credit reflected on my bank statements, they clarified to me that I would be it would come up as Synchrony Bank XXXX I am only aware of XXXX Synchrony accountsone for Guitar Center and the other for XXXX that I currently have. The reason I overlooked the Care Credit account was that I assumed the payments listed on my bank statement would say care credit and instead were coming up as Synchrony bank. 

I requested that they initiate a fraud investigation, which they did, even though I clearly stated that I had not opened a Care Credit account, especially not for the services they mentioned, which were related to facial treatment. When I asked them to confirm my telephone number, they provided a number that was not mine, along with a different address. This inaccurate information meant I would have never discovered these charges had I not become curious about my stagnant XXXX XXXX. 

I am requesting that the creditor refund all payments I have made on this account and immediately remove it from my credit report. They have not provided me with an application or a copy of the ID used to open this account. 

I have continued to make payments on this account to ensure that my credit remains in good standing, especially because I am in the process of purchasing a house. I want to avoid any potential issues with non-payment that could affect 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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
b"Approximately XXXX XXXX XXXX XXXX months ago someone got into my Sofi account and made XXXX in unauthorized money transfers.  One for XXXX, and two for XXXX  I notified them immediately.  They frozen my account and the remaining money left in the account that was not part of the fraudulent/disputed transactions.  The investigation was done quickly and within a couple of days they had replaced the money back into my account.  Got e-mail telling me that they approved the dispute, money has been put back into your account, and that I could use my account like nothing happened.  However, the funds that were not part of the dispute were still being withheld.  I gave them several days to have it released and it never was.  Contacted them by phone, the representative could not tell me why this was happening.  They had to call a person above them to find out why, was told they would contact me soon.  Never got a call, and never was told why.  Everything was fine, used debit card no problems.  For one day.  It was frozen again, they said they  thought the charges I made where fraudulent.  All they needed to do is contact me and ask if I made the charges and I would have said yes and everything would have been fine.  They never did asked and was never told they froze them again.  Filed a dispute and was told it would take 10 days for an answer.  After, 12 to 15 days never heard anything from them.  Final called them was told more time was need.  Asked how much longer I had to wait and was told he could not give any time frame.  This is totally unexceptable.  This is my only source of income right now. I'm living in a hotel can't pay for the room, maxed out 3 credit cards, all bills are way passed due, car insurance was due on the 12th, got them to wait for payment until the 22nd which I need access to my money to be able to pay them, or I will lose my car.  I have told them this over an over, and over again.  They don't care.  All I'm every told is  we are so sorry to hear your have this problem.  All they ever say is sorry we need more time.  I DONT HAVE ANY MORE TIME.  Something needs to happen now.  If not I will be homeless, will lose my car, cant pay bills, cant buy food, or anything else needed to survive.  Going from plenty of money to nothing instantly is causing tremendous stress, cant sleep, cant leave the room because cant deal with the additional stress that should just be things a person does every day.  Again they have been told this over and over and nothing. This is making me spend more and more money that I would not have had to spend because of there delays. They need to provide some type of compensation for the stress, money that I'm out.  Added debt, because of their delays. Please this needs to be done in a timely manner.  Thank you for your time and help."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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