vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
UPSTART/FINWISE has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so UPSTART/FINWISE does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my life. I demand a thorough investigation and prompt correction or removal of these inaccuracies. Resolving this issue is not optionalit is critical.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for a loan through navy federal the loan was approved for 16.5 %. I explained that the interest rate was too high for my debt to income ratio and my credit score. I was told to apply again for a lower term. I did the term came back with the same interest rate after I was informed it will/may be lowered. I cancelled all loans and was later informed that I didnt qualify for the loan. I explained that an XXXX credit score with a low debt to income ratio shouldnt qualify for 16.5. I was given other options for a loan but felt that the interest rate have been bias.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-10 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
This is a formal complaint and demand for investigation regarding inaccurate and misleading credit reporting by XXXX  and the furnisher Southern Finance. 

Attached is a snapshot of my reported payment history. The record clearly shows inconsistent and inaccurate data that violates the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ) and 623, which require consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

The Issues : Southern Finance is reporting continuous CO ( Charge-Off ) statuses across multiple months in XXXX ( XXXX through XXXX ) and again in XX/XX/XXXX, even though months prior to XXXX show a paid/OK status. 

There are no notations of delinquencies or progression ( 30, 60, 90 days late ) just an abrupt and sustained CO with no context, balance updates, or corrections. 

This payment history misrepresents the timeline and condition of the account and does not meet the standard of factual completeness required under the FCRA. 

This account is being reported as current and paid in full from XX/XX/XXXX through XXXX XXXX suddenly coded as " CO '' in XXXX through XX/XX/XXXX without any notice of delinquency in the preceding months. This is factually and legally contradictory. A charge-off can not occur without prior delinquency reporting. 

My Demands : Immediate reinvestigation and removal of the inaccurate payment history data related to this account on my XXXX  report. 

Full deletion of the account if Southern Finance can not provide proper documentation showing a legitimate and lawful reporting sequence in accordance with FCRA guidelines. 

Explanation of how a charge-off was allowed to report without a standard progression of missed payments or delinquency notices. 

The continued reporting of this false, damaging, and incomplete data is a willful violation of the FCRA and is harming my credit and credibility. 

This is your opportunity to correct this unlawful practice before further legal steps are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report four fraudulent student loan accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a student loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this final complaint against TransUnion and Experian for their continued reporting of inaccurate and unverifiable derogatory information related to a XXXX XXXX account. 

Despite my repeated formal disputes and documentation, both TransUnion and Experian have refused to remove delinquency notations for this account. However, XXXX  has completed a reinvestigation and removed or corrected the same data, acknowledging that no verifiable payment history for the disputed period exists in their records. 

This discrepancy confirms that TransUnion and Experian are reporting materially inconsistent, incomplete, and unverified informationa direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611, which requires data furnishers and CRAs to remove unverifiable information within 30 days. 

I provided both bureaus : A copy of my updated XXXX  report ( showing no derogatory data ) ; A response from XXXX XXXX  ( dated XX/XX/year> ), which further supports that account data is incomplete ; Proper identification and dispute documentation. 

Despite this, TransUnion and Experian continue to damage my creditworthiness by reporting inaccurate data, causing me ongoing financial and emotional distress. I am now requesting CFPB enforcement to compel deletion of the derogatory entries and hold the bureaus accountable for violating my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquires/account from my consumer report no later than 4 business days after such informationIveprovided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by TransUnion under XXXX XXXX with account number XXXX. Despite my formal disputes submitted on XX/XX/XXXX and XX/XX/XXXX, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of 1 inaccurate late payment entry across all three bureaus, and ( 2 ) payment of {$100.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$1000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-06-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX subitted by Regions Bank, XXXX XXXX XXXX, XXXX, {$34000.00} write off to XXXX. I have already submitted Uniform Affidavit for Identity Theft. I gave the bank and the name and the address of the person who opened an account in my name. The person lives in TX and I live in MD. 

On XX/XX/XXXX I got the following response from Regions Bank " After review of your claim, we have determined that no fraudulent account have been opened in your name at Regions Bank. I have been fighting this issue for over one year. I agree an account was opened using my name, but it was not opened by me. I requested and received a credit card statement showing the charges of {$34000.00} but it was not my address, none of the charges were made by me. 

On XX/XX/XXXX, another letter stating " We have received your dispute regarding the accuracy and completeness of the information we have furnished to the credit reporting agencies and determined the information currently reported is accurate. I need help to resolve this.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
On XX/XX/year>, XX/XX/year>, and again on XX/XX/year>, I sent formal dispute letters via certified mail to both XXXX XXXX XXXX and MCA Management regarding inaccurate and unverified accounts appearing on my credit reports. These letters included legal language citing FCRA, FDCPA, and HIPAA violations. I also included a request for full validation of the alleged debts and demanded the removal of any unverifiable accounts.

Despite these efforts, these companies have failed to properly validate the debts or provide itemized breakdowns. Some of the accounts are medical debts under {$500.00}, which should not be reporting under current credit reporting rules.

Additionally, I have observed the following troubling activity : The names of the companies have been removed or hidden from my credit reports and now show up as untitled or blank accounts, making them unverifiable.

Some accounts appear as deleted on XXXX  but still show as negative on XXXX  and XXXX, creating conflicting information across the bureaus.

Certain accounts say consumer disputes reinvestigation in progress for weeks with no resolution, yet they continue to harm my credit score.

One account labeled as open and installment is being reported without company identification, balance accuracy, or clear source.

I have disputed these items multiple times and received notices that the accounts meet FCRA requirements, yet no actual verification has been provided. This is misleading and harmful to me as a consumer trying to resolve inaccuracies.

I am requesting CFPB intervention to : Ensure proper debt validation or removal of these accounts.

Address potential HIPAA violations involving medical account reporting.

Ensure credit bureaus and furnishers stop reporting incomplete or hidden data.

This situation is causing ongoing credit harm, and I am pursuing my rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my life. I demand a thorough investigation and the swift correction or removal of all inaccuracies. Resolving this issue is critical and non-negotiable.

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