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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am formally filing a complaint with UPGRADE INC data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy.

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent dispute letters concerning the fraud on my account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX to Equifax, XXXX XXXX to Transunion, and XXXX XXXX and XXXX inquiries, XXXX XXXX XXXXXXXX and XXXX XXXX to Experian for disputing due to identity theft. I attached my FTC report, Affidavit of Truth, which was notarized, and documents needed due to the identity theft. I previously disputed fraudulent accounts on my Experian credit report and submitted valid documentation, including my FTC Identity Theft Report. All XXXX bureaus removed the fraudulent accounts XXXX have now reinserted the same accounts without following the legal requirements under the FCRA. 

Federal Consumer Law Violations : Failure to Notify of Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) The FCRA requires written notice by mail within five business days before or after reinserting previously deleted items. Experian failed to send any written notice by mail.

Failure to Provide Investigation Results by Mail 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) The FCRA requires mailing the results of any reinvestigation, including a description of the procedures used to verify accuracy. This was not provided.

Failure to Permanently Block Identity Theft Accounts 15 U.S.C. 1681c-2 ( a ) Once identity theft is reported with valid documentation, fraudulent accounts must be permanently blocked. 

None of the bureaus followed this laws and it has caused my credit to take a huge dive and cause financial and emotional distress as well.

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 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 TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$380.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am submitting a dispute regarding adverse information on my ChexSystems report that resulted from unauthorized activity during a time I was a victim of XXXX XXXX. 

Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, consumer reporting agencies are required to block or remove information related to identity theft, domestic violence, or XXXX XXXX. 

The negative information currently on my report is severely impacting my ability to access banking and financial services.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a deposit some cash into a Bank of America ATM which located at XXXX XXXX TX at XXXX XX/XX/XXXX and after the ATM took the money it showed Error that it couldnt count the cash and asked me how much I deposited in. But I didnt expect it would happen so I didnt count the cash before. However I knew it should be around {$1000.00}. I took pictures of the ATM error and the receipt and immediately I called the phone number showed on the screen. After awhile I was able to talk to an agent and file the claim. The agent said they will investigate the case and temporarily issued the credit of {$700.00} to my account and told me to wait. 
And today XX/XX/XXXX I received the email from Bank Of America with the update for the claim and it said they are not able to approve the claim and will remove the credit of {$700.00} from my bank account. 
This is not fair for me at all. I told the agent that I gave the estimate {$1000.00} because I didnt know exactly how much I deposited in my account. I did say that I do not wan na take their money neither losing my money. All I want is my money back. 
I have all of the pictures and receipt from that deposit transaction. 
Please help me. That money would be a little for someone but its my 2 weeks of hard work.

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 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: FL

Complaint narrative:
On XX/XX/year>, the account XXXX XXXX Services ( Ref : XXXX ) was deleted from my credit report. Recently, I discovered it was reinserted without the required written notice within XXXX business days and without any certification from the furnisher verifying its accuracy, as required by FCRA 611 ( b ) ( 1 ) and 611 ( b ) ( 2 ). 
This is a direct violation of federal law. I am requesting the immediate and permanent removal of this account from all credit bureaus and a written explanation of how this improper reinsertion occurred. 

I have attached proof of the original deletion, the reinsertion, and my formal dispute letter.

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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  - {$640.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX - {$500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of he alleged debt, nor therefore any such debt, in fact therefore exists.

The family educational rights and privacy act, FERPA, the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

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: Credit International Corporation
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX XXXX XXXX XXXX reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am formally filing a complaint with MIDLAND CRED data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy.

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MT

Complaint narrative:
On XX/XX/XXXX I made my XXXX XXXX  payment. On XX/XX/XXXX I certified my employment. XXXX immediately put me in a forbearance and backdated it to XX/XX/XXXX. They sent a letter stating I could decline it. After speaking to XXXX different people they still havent removed it and insist they cant just remove it effective XX/XX/XXXX even though I am declining in. The agents all provided conflicting information as did FSA. The FSA XXXX XXXX said my XXXX payment counts but the FSA XXXX I spoke to said it will only count if XXXX removed the forbearance by the due date of XX/XX/XXXX. My loans should be forgiven immediately but XXXX and FSA appear to be delaying this and attempting to make me pay an extra payment by leaving me in a forbearance so my XXXX payment wont count. XXXX refused to let me talk to a supervisor.

Company response to consumer: Untimely response
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: WV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Concora credit destiny XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account ending in XXXX Subject : Dispute Regarding Over-Limit Fee Agreement and Annual Fee Charges Dear Concora Credit Customer Service , I am writing to formally dispute certain charges on my Concora Credit Destiny XXXX account . Below are the issues I would like to address : Over-Limit Fee Agreement : I have noticed that my account has been subjected to over-the-limit fees, yet I was never provided with an opportunity to opt in or opt out of the over-the-limit fee agreement. This is a matter of concern as I was not given the option to make an informed decision regarding this agreement at the time of my account activation. I kindly request that you review this issue and ensure that I am given the proper choice to accept or decline such fees. 

Annual Fee Charge : I was charged a {$170.00} annual fee immediately upon activation of my card. At the time I applied for the Concora Credit Destiny XXXX, I was led to believe that the annual fee would be charged on a monthly basis, not as a lump sum. This was a misunderstanding or miscommunication on your part, and I feel that I was misled into believing the fee would be more manageable. I kindly ask that you review this charge and adjust it accordingly to reflect the terms I was led to believe at the time of application. 

Ongoing Fees Despite Timely Payments : Additionally, despite always paying on time, I continue to see fees applied to my account. This is particularly frustrating, as I make sure to maintain a positive payment history and yet am faced with additional charges. I would appreciate your review of these fees, as they seem unfair considering my consistent record of timely payments. 

In light of the above, I request a thorough review of my account, including the removal of any unfair charges and a clarification of the fee structure associated with my account. I trust that you will look into this matter promptly and provide me with a resolution. 

Thank you for your attention to this issue. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX  Account Number ending in : XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is illegal!! I never authorized or signed any information to release anything on my credit report to anyone else.... Every time I pull my credit report I noticed that inaccuracy of my personal information that XXXX  transunion and Equifax keep sending out. 15 U.S Code 1666... Delete hard credit inquiries. 15 U.S.Code 1681... 15 U.S. Code 1681 ( c ) 2... There is incorrect personal information being reported by XXXX, transunion and Equifax.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am formally filing a complaint with SPRINGOAKCAP data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Unauthorized inquiries not made by me noted on my recent credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
Bank of America has violated my FCRA rights. They committed fraud against me by re-aging my credit card account ; they have reported my account as CHARGED OFF for approximately 42 consecutive months, with the first charge off reported on XXXX of XXXX. This account is also being misrepresented because it does not indicate when/if it was sold. It was sold to XXXX and XXXX, a XXXX XXXX XXXX XXXX XXXX I settled out of court with this company in XXXX and paid a lower amount. I also never received an IRS 1099C from either company.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Unauthorized inquiries listed below. 
Truist XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation