vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Upstart has barred me from logging into their website to access my loan and make payments for the last 3-4 months. I have not been able to review my updated terms or statements pertaining to my loan in this time as well. I have reached out to them multiple times attempting to escalate the issue to a supervisor or some kind of technical support and theybe done nothing to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hollis Cobb Associates
State: WV

Complaint narrative:
On XXXX-25 I sent responses asking for all items medications and visits that were alleged they keep harassing me and my family with someone elses information and debt not mine its fraud and identity theft to buy or sell medical records information. FTC attorney general notified

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
My Wise account ( personal and business ) was closed by Wise on XX/XX/XXXX. 

I submitted an appeal on the same date, but Wise never provided a clear explanation or resolution. Since the account was closed, I have been unable to access the in-app appeal form or the XXXX XXXX. I attempted to contact Wise directly and also sent a formal complaint/appeal by email in XXXX and again in XXXX, but I never received any response. 

There were no funds left in the account at the time of closure, so my request is not related to money recovery but to the lack of due process and communication. Wise has not provided a rationale for the account closure, has not confirmed the appeal outcome, and has not offered any remediation steps that would allow me to use their services compliantly in the future. 

I am requesting that Wise either : Properly review and respond to my appeal regarding the closure of my account, and Provide a clear explanation of whether I can reopen my account or what conditions I would need to meet to use Wise again. 

The lack of response over more than two years has prevented me from resolving this issue and has disrupted my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I purchased a gift card from the company in the amount of {$400.00}. I used the card twice, when I went to use it again the card had been drained of all funds. {$260.00} had been stolen from the card. I filed a claim with the company on XX/XX/XXXX. It has now been 45 days and they have continued to give me the run around on when I can receive my replacement funds

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: LA

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 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 2025-08-18 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:
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 XXXX XXXX XXXX XXXX XXXX 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2025-08-18 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:
I am submitting this complaint as a formal dispute of inaccurate and unauthorized information currently being reported on my credit file. The Fair Credit Reporting Act ( FCRA ) and related consumer protection laws require that only accurate, complete, and verifiable information remain on a consumer report. I am exercising my rights under these laws to request immediate correction or deletion of the following information.

Inaccurate Address Reporting The following addresses are being reported under my name, but I have never lived at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My correct and current address is XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX Under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information, furnishers are required to ensure that information provided to credit reporting agencies is accurate and updated. These inaccurate addresses must be removed immediately.

Inaccurate Late Payment Notations Several accounts are showing late payments that do not reflect my actual payment history. These are billing and reporting errors that must be corrected : XXXX XXXX XXXX XXXX Reported 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX Reported 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), 60 days late ( XXXX, XX/XX/XXXX ), 90 days late ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX  XXXX Reported 30 days late ( XXXX ), 60 days late ( XX/XX/XXXX ) XXXX  XXXX Reported 90 days late ( XX/XX/XXXX ), 120 days late ( XXXX ) Inquiry XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1666 Correction of Billing Errors, I have the right to dispute and request correction of billing errors. These late payments are being reported inaccurately and are damaging my credit standing.

Additionally, under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, you are required to promptly correct or delete information that is found to be incomplete, inaccurate, or unverifiable.

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 2025-08-18 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-18 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:
I am filing this complaint against Experian, Equifax, TransUnion, and XXXX for continuing to report fraudulent, inaccurate, and unverifiable information on my consumer reports, despite repeated disputes and identity theft reports. 

Duplicate Inquiries ( XXXX ) : XXXX XXXX XXXX appears multiple times on my report as separate hard inquiries for the same application. This violates FCRA 1681b ( c ), which limits permissible purpose of inquiries, and case law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) holding that CRAs must assure accuracy and completeness of reports. Duplicate inquiries artificially depress my credit score and are not necessary under the statute.

Dispute Handling Violations : For the past 24 months, I have disputed multiple fraudulent tradelines and addresses tied to identity theft and unauthorized use of my personal information. Yet the CRAs have repeatedly verified the accounts using automated e-OSCAR processes without conducting reasonable investigations as required under FCRA 1681i ( a ) ( 1 ). Courts have held in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that CRAs can not simply parrot what furnishers say but must perform an independent investigation. 

Failure to Delete Fraudulent Addresses : Despite proof that my only residential address since XXXX has been XXXX XXXX XXXX, XXXX OH XXXX, the CRAs continue to report XXXX XXXX XXXX ( a post office ) and XXXX XXXX XXXX ( a police department ), both addresses I have never lived at. This is a violation of FCRA 1681e ( b ) which requires CRAs to maintain maximum possible accuracy.

Metro 2 Non-Compliance : By continuing to verify these tradelines and addresses without proper documentation, the CRAs are in violation of Metro 2 and e-OSCAR standards. The CRAs can not lawfully report information that is unverified, unverifiable, or disputed under FCRA. 

Equity Law : Continuing to report false information despite actual knowledge of fraud constitutes Unjust Enrichment and a violation of the Doctrine of Clean Hands, as the CRAs are profiting from selling inaccurate reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
I am filing this complaint against Experian, Equifax, TransUnion, and XXXX for continuing to report fraudulent, inaccurate, and unverifiable information on my consumer reports, despite repeated disputes and identity theft reports. 

Duplicate Inquiries ( XXXX ) : XXXX XXXX XXXX appears multiple times on my report as separate hard inquiries for the same application. This violates FCRA 1681b ( c ), which limits permissible purpose of inquiries, and case law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) holding that CRAs must assure accuracy and completeness of reports. Duplicate inquiries artificially depress my credit score and are not necessary under the statute.

Dispute Handling Violations : For the past 24 months, I have disputed multiple fraudulent tradelines and addresses tied to identity theft and unauthorized use of my personal information. Yet the CRAs have repeatedly verified the accounts using automated e-OSCAR processes without conducting reasonable investigations as required under FCRA 1681i ( a ) ( 1 ). Courts have held in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that CRAs can not simply parrot what furnishers say but must perform an independent investigation. 

Failure to Delete Fraudulent Addresses : Despite proof that my only residential address since XXXX has been XXXX XXXX XXXX, XXXX OH XXXX, the CRAs continue to report XXXX XXXX XXXX ( a post office ) and XXXX XXXX XXXX ( a police department ), both addresses I have never lived at. This is a violation of FCRA 1681e ( b ) which requires CRAs to maintain maximum possible accuracy.

Metro 2 Non-Compliance : By continuing to verify these tradelines and addresses without proper documentation, the CRAs are in violation of Metro 2 and e-OSCAR standards. The CRAs can not lawfully report information that is unverified, unverifiable, or disputed under FCRA. 

Equity Law : Continuing to report false information despite actual knowledge of fraud constitutes Unjust Enrichment and a violation of the Doctrine of Clean Hands, as the CRAs are profiting from selling inaccurate reports.

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 2025-08-18 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 am filing a follow up complaint Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ), a consumer reporting agency may only furnish consumer reports for permissible purposes initiated by the consumer or authorized by law. I did not authorize, initiate, or provide consent for the reporting of these disputed charge-off account. Their inclusion on my credit report therefore constitutes an impermissible use of my consumer report information.Additionally, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reportsXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX/XXXX/2024

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