vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MI

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 2025-11-24 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: OK

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery continues to harass 3rd party members of my family that they sourced through association listing websites. I have reached out to ALL the association listing websites to opt out as they continue to sell my information without my authorization to aggressive debt collectors that don't care WHO they call. 3rd party members should not be reached out to aggressively as they are being called about 10 times a day. I'm complaining as these are not proper practices from debt collectors. They don't care who they call and harrass and its impacting family members as they are complaining that its becoming a nuisance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: OK

Complaint narrative:
So in XXXX or XXXX of XXXX  I signed up for automatic payments pay pay with upstart. I did not know they were charging me a late fee each month I was using auto pay and reporting late payments until I looked at my credit online yesterday. I called the company about this and they were not helpful in resolving this. I was charged {$90.00} in late fees all while being on automatic payments. I want the to report the on time payments correctly and refund me the late fees. I had to pay a late fee just to get them to stop reporting it late. I have been on automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
I am requesting a reinvestigation of the items listed below. The information reported may be inaccurate, and I would like to have these items reviewed and corrected based on the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}

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 2025-11-24 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 Experian and Equifax 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding an account that is not mine being reported by Eastern Account System , Inc. for an alleged XXXX XXXX balance of {$450.00}. I have never opened this account, never authorized it, and do not owe this debt.

Despite disputing this account multiple times with the credit bureaus and directly with Eastern Account System, it continues to appear on my credit reports. This is inaccurate reporting and violates the Fair Credit Reporting Act ( FCRA ).

Upon reaching out, the company offered a settlement of {$220.00} for removal but stated that they would not delete/remove from my file. They suggested I contact XXXX, who I did not have services with as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
I am requesting a reinvestigation of the items listed below. The information reported may be inaccurate, and I would like to have these items reviewed and corrected based on the Fair Credit Reporting Act ( FCRA ). 
TransUnion ( TU ) Charged-Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$320.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$16000.00}

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 2025-11-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I received an email from Milestone Mastercard saying my payment was late. I looked on my online account for my Milestone card and I can see the payment is fully posted, yet the payment remains marked past due. My online account shows it posting XX/XX/XXXX, my checking account shows XX/XX/XXXX. I asked the phone agent where the payment went. She claims she doesn't see it. I faxed them my bank statement with the showing of the transaction completed. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and XXXX  has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This serves as my official objection to the referenced accounts. I do not recognize them and did not consent to their creation. I request their immediate removal and a full examination. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a loan under account name ; XXXX XXXX XXXX under account # XXXX, opened on XXXX with a balance of {$900.00}. 
A account under XXXX  XXXX, account # XXXX, opened on XXXX with a balance of {$110.00}. 
A account under XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$2800.00}. 
Account named XXXX XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$0.00}. 
Account under XXXX XXXX account # XXXX, opened on XXXX with a balance of {$670.00}. 
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 FICO 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 my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a loan under account name ; XXXX XXXX XXXX under account # XXXX, opened on XXXX with a balance of {$900.00}. 
A account under XXXX  XXXX, account # XXXX, opened on XXXX with a balance of {$110.00}. 
A account under XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$2800.00}. 
Account named XXXX XXXX XXXX, account # XXXX, opened on XXXX with a balance of {$0.00}. 
Account under XXXX XXXX account # XXXX, opened on XXXX with a balance of {$670.00}. 
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 FICO 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 my FTC identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am filing this complaint regarding OneMain Financial due to severe mishandling of my credit insurance claim, failure to follow their own written procedures, and behavior that appears consistent with predatory lending. I lost my job at the end of XX/XX/year>. I continued making payments on time from XXXX through XXXX without being informed that I had active credit insurance that could help me. I only learned about the insurance after missing a single payment. When I attempted to submit my claim, I filed the paperwork through OneMains own internal channels and never received any confirmation that my documents were received. Instead, I was repeatedly told we do not reply nor send any follow-up emails confirming we got your claim documents, even though their disclosures state that proper documentation is required and deadlines matter. I later received conflicting statements that no claim forms were ever received from me, despite submitting them multiple times and following the directions provided by their agents. 

From XXXX through XX/XX/year>, I repeatedly contacted OneMain XXXX and mainline customer service. I received contradictory information, dead-ended chats, and was told that XXXX or electronic submission was not an option, forcing me into mailed paper forms with no tracking or acknowledgment. This created a situation where OneMain could hold me responsible for delays they caused. Their own agents admitted that follow-up communication is not provided, making it impossible for borrowers to verify claim status or meet their deadlines. This is exactly the kind of structural disadvantage regulators classify as predatory. 

I also have chat transcripts showing agents acknowledging delays, admitting they mailed additional forms through USPS, and contradicting their own policies and disclosures. All of this resulted in financial harm, unnecessary stress, and an unfair barrier to using the insurance product I was charged for. I am requesting a full investigation into OneMains loan insurance process, their communication failures, and whether their practices comply with CFPB standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IN

Complaint narrative:
I am filing this complaint because Americollect is attempting to validate and report duplicate medical debt for the same emergency room visit, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Americollect provided two itemized statements for what they claim are separate debts. However, both statements are for the exact same XXXX XXXX, with only the Visit Number changed. The details from both statements prove they are duplicates : Same Date of Service : XX/XX/year> Same XXXX  Codes : XXXX ( XXXX, {$57.00} ) and XXXX ( XXXX XXXX XXXX, {$1600.00} ) Same Provider : XXXXXXXX XXXX XXXX Same Doctor : XXXX XXXX, XXXX XXXX Same Patient Information Same exact charges, payments, and adjustments The only difference is the Visit # : Statement 1 Visit # : XXXX Statement 2 Visit # : XXXX This is clear evidence of duplicate billing, where the provider created two accounts for the same medical event. 

Americollect submitted these duplicate accounts as two separate debts, which is inaccurate, misleading, and unlawful reporting under FCRA 602 and FDCPA 807.

Because these two debts represent the same medical visit, one or both entries are invalid and must be removed. Americollect can not legally collect or report duplicated medical debt. 

I am requesting that the CFPB require Americollect to : 1. Delete the duplicate account ( s ) from their internal system, 2. Cease all collection activity, 3. Immediately remove the duplicate account ( s ) from all credit bureaus ( XXXX XXXX XXXX ), and 4. Provide written confirmation of the deletion.

I am attaching both statements Americollect sent to show the duplicate charges. This is a clear billing error and is causing inaccurate reporting on my credit profile. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation