vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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 currently in the process of purchasing a home and a new vehicle to accommodate the needs of my growing family. During this process, I reviewed my credit report and was alarmed to find that several debt XXXX have submitted false, inaccurate, and unverifiable information to the credit bureaus. 

These entries were added without my knowledge or consent, and to date, I have not received any documentation from these agencies providing proof of the alleged debts, including any signed contracts, verification of identity, or a copy of my drivers license. This lack of proper validation is a serious concern, as it directly impacts my ability to secure essential housing and transportation for my family. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute any information on my credit report that is inaccurate or can not be verified. It is also the responsibility of the furnishing party to ensure that all information reported is complete and accurate, and that they respond to any dispute in a timely and lawful manner. 

I am requesting a thorough investigation into these claims and the immediate removal of any unverifiable or fraudulent accounts in accordance with the rights granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CO

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate credit reporting by my mortgage servicer, XXXX XXXX  in connection with forbearance relief I received under the CARES Act and assistance from the North Dakota Homeowner Assistance Fund. 


I had an active mortgage with XXXX XXXX  ( opened on XX/XX/XXXX ). Due to COVID-19-related financial hardship, I entered an approved forbearance agreement and also received mortgage assistance through the State of North Dakota , which made payments directly to the servicer on my behalf during the forbearance period. 


Despite being in an approved forbearance program, XXXX XXXX  has reported several months as late or 120+ days late on my credit report. This includes ( but may not be limited to ) : XXXX through XX/XX/XXXX XXXX through XX/XX/XXXX These delinquencies are incorrectly reported, as the CARES Act Section XXXX requires that accounts in forbearance not be reported as delinquent if the borrower was current at the time of entry into forbearance. Furthermore, the state-paid mortgage relief should have further protected me from delinquent reporting. 


This inaccurate reporting has significantly damaged my credit, which impacts my ability to secure future housing and financial stability. 


I am requesting that the CFPB investigate this matter and compel XXXX XXXX  to : 1. Correct the inaccurate late payment entries during the covered forbearance period.

2. Ensure full compliance with the CARES Act and FCRA credit reporting obligations.

3. Provide written confirmation of any changes made to the reporting. 




I have attached screenshots showing my credit history as reflected by the reporting agency, indicating the months in question, as well as any available documentation related to my forbearance and state assistance. ( You can attach or upload these as part of the online complaint. ) Thank you for your attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
Thank you, XXXX. Based on the information you provided, heres a complete inquiry removal request letter you can send to Experian, TransUnion, and Equifax regarding multiple unauthorized inquiries between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unauthorized Inquiries Under FCRA To Whom It May Concern, I am writing to dispute multiple unauthorized hard inquiries listed on my credit report. I have reviewed my credit reports from all three bureaus and noticed the following inquiries between XX/XX/XXXX and XX/XX/XXXX, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S. Code 1681b ], credit inquiries are only permitted with the consumers authorization or for other legitimate reasons as outlined in the law. I did not apply for credit or authorize any of these entities to access my credit file during the specified period. 

Please conduct a formal investigation into these inquiries. If you can not provide documented proof that I authorized them, I request that you immediately remove each of these inquiries from my credit report. 

Additionally, please provide me with : The results of your investigation in writing, and An updated copy of my credit report reflecting the removal of any unauthorized inquiries. 

Thank you for your prompt attention to this matter. I look forward to resolving this dispute within the 30-day period as required by law. 

Sincerely, 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 2025-07-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Thank you, XXXX. Based on the information you provided, heres a complete inquiry removal request letter you can send to Experian, TransUnion, and Equifax regarding multiple unauthorized inquiries between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Removal of Unauthorized Inquiries Under FCRA To Whom It May Concern, I am writing to dispute multiple unauthorized hard inquiries listed on my credit report. I have reviewed my credit reports from all three bureaus and noticed the following inquiries between XX/XX/XXXX and XX/XX/XXXX, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S. Code 1681b ], credit inquiries are only permitted with the consumers authorization or for other legitimate reasons as outlined in the law. I did not apply for credit or authorize any of these entities to access my credit file during the specified period. 

Please conduct a formal investigation into these inquiries. If you can not provide documented proof that I authorized them, I request that you immediately remove each of these inquiries from my credit report. 

Additionally, please provide me with : The results of your investigation in writing, and An updated copy of my credit report reflecting the removal of any unauthorized inquiries. 

Thank you for your prompt attention to this matter. I look forward to resolving this dispute within the 30-day period as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Incorrect Information on My Credit Report Unauthorized XXXX XXXX and XXXX Account To Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report. 

1. A Vehicle I Do Not Own XXXX XXXX XXXX It is being reported that I own a XXXX XXXX XXXX, which is completely incorrect. I have never owned, purchased, leased, or driven a XXXX XXXX XXXX XXXX I do not know how or why this vehicle is associated with my credit or driver profile. 

Additionally, the vehicle is being linked to a XXXX zip code in XXXX, Texas, which is not my current address nor hasnt been my previous residence within the last 4 years. That address was last associated with my familys residence back in XX/XX/XXXX, and neither I nor my family live there anymore. 

This false vehicle listing has also triggered notices requesting that I obtain car insurance for a vehicle I do not own. I am concerned that this may lead to further financial and legal implications. 

2. Unauthorized XXXX Account I also recently disputed an unauthorized XXXX  account that appeared on my credit report, which I did not open or authorize. This dispute was submitted through XXXX XXXX, and the reference/dispute number is : Dispute XXXX XXXX XXXXXXXX Date Submitted : XX/XX/XXXX It is currently under review, but I wanted to ensure the CFPB is aware that multiple instances of fraudulent or incorrect activity have appeared on my report, suggesting my identity may have been compromised. 

3. Lack of Dispute Option for Vehicle I attempted to formally dispute the unauthorized XXXX listing but was not provided an option to dispute this specific claim through my credit reporting platform. This leaves me unable to correct or remove this false information on my own, despite its impact on my profile. 



I am requesting the following : A full investigation into how and why this XXXX XXXX XXXX is associated with my identity and credit. 
The removal of all inaccurate information related to this vehicle from my credit report. 
Assistance or guidance on how to ensure these fraudulent entries are permanently removed and do not reappear. 

Please advise on any further documentation I need to provide. 

Thank you for your attention and help in resolving these serious inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I received a collection notice from Fair Collections & Outsourcing of New England, Inc for a debt I did not recognize and immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by disputing the debt in writing and requesting proper validation. 

The agency responded only with a residential ledger, which is an internal summary of charges. This does not meet the legal requirements for debt validation under the FDCPA. They failed to provide : A copy of the signed lease or contract, Itemized charges matching the lease terms, Proof of assignment or ownership of the debt, Verification of their legal authority to collect. 

I sent a final notice informing them that what they provided was insufficient and warned them not to continue collection or credit reporting without validating the debt. They ignored this and continued to report the debt to the credit bureaus. 

Reporting a debt without proper validation and without marking it as disputed is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). This unvalidated debt is now damaging my credit, and I am requesting that it be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
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  Statement : I am reporting a case of identity theft involving a fraudulent XXXX XXXX account that was opened without my knowledge or consent. 
The account was opened under my name and Social Security number. 
I did not authorize this account. 
I discovered it while reviewing my credit report on Equifax. 
The account is listed as a collection with a balance of {$4700.00}. 

This report is being filed to document the theft and to support the removal of this fraudulent account from my credit reports with Equifax, Experian, and TransUnion. 


RE : IDENTITY THEFT REMOVE FRAUDULENT ACCOUNT IMMEDIATELY * XXXX XXXX Account Ending in XXXX Balance : {$4700.00} Dear TransUnion, I am the victim of identity theft and am formally disputing the presence of a fraudulent XXXX XXXX account on my credit report. This account was not opened by me, and I am not responsible for it in any capacity. 

Please conduct a full reinvestigation and remove this account immediately under the FCRA and FACTA Identity Theft protections.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, PA XXXX and i am writing this report because there are unauthorized accounts that are negatively reporting to my credit report. I have tried to resolve this with the major credit agencies ( Transunion, Experian, Equifax ) and they refuse to remove these accounts. I am asking for a thorough investigation on these accounts as they are HURTING MY profile. Please help. I have attached my letters with the accounts listed also attached is my FTC report. I am suffering due to this hindering me and i have a family to take care of. I have exhausted my remedies. I need HELP

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid {$800.00} through PayPal for a pair of XXXX boots. The seller engaged in clear fraud : The item was listed as shipping from the XXXX. Instead, the seller provided a XXXX  tracking label, which my Russian contacts confirmed was fake ( misspelled XXXX, wrong XXXX code ), and the package was never accepted by XXXX XXXX ; only a label was created. 

After I filed a dispute, the seller provided a different XXXX tracking number, which was created after the dispute began. I called XXXX on XX/XX/year>, and they confirmed this package was delivered to a different person and address in my city, not to me. This is a known scam tactic to deceive PayPal by showing delivered in the buyers city. 

The seller also sent concerning messages : just believe the package was sent and then I will win the case, showing clear intent to manipulate the process. 

I provided PayPal with all this evidence, including screenshots of tracking, messages, and statements from the carrier. Despite this, PayPal closed the case in the sellers favor, ignoring the fraudulent nature of the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Dear TransUnion I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to credit bureaus XXXX, XXXX, and TransUnion. I have included the following documents : 1. A copy of my government issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address Account name : XXXX XXXX Account Number : XXXX. Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. Thank you for your attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was told that dispute supervisors are not available on weekends, meaning that Discover offers no escalation path during the time most people are free to call. 

This lack of access further shows Discovers intentional obstruction of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: TX

Complaint narrative:
I enrolled with XXXX ( thats affiliated with XXXX XXXX and XXXXAlleviate Financial ) starting XX/XX/year> to receive debt consolidation services. I paid two ACH debits, {$520.00} each, in XXXX. On XX/XX/year>, I sent a certified letter and email to cancel the service for cause per contract ( breach of Section 4 and 8 ) ( letter attached ). After cancellation, they continued to attempt charges and harassed me via : prohibited phone calls, texts, and voicemail using numbers I explicitly forbade, and using their counterpart, Alleviate Financial, to harass and intimidate ( calls, emails, and texts attached ).

They misrepresented communications ( recently spoke ) ( attached ), falsely claimed bankruptcy proceedings ( attached ), failed to deliver promised services, and honor my cancellation. XXXX terms require * full refund * if canceled for cause within 3 monthsyet I received only a * partial check * of {$910.00} and continued harassing phone calls ( attached ). 
XXXX and all their counterparts are in violation of a myriad of legal statutes that uphold the law to protect consumers from organizations like them : 1. FRAUD & DECEPTION Texas Deceptive Trade Practices Act ( DTPA ) 17.46 - * False promises * ( lied about debt relief services ).

- * Fraudulent billing * ( charged for no services ).

- * * Penalty : * * * * 3x damages + attorney fees * *.

Federal Trade Commission Act 5 - * Unfair/deceptive practices * ( scamming consumers ). 

2. ILLEGAL DEBT RELIEF SCHEME Telemarketing Sales Rule ( TSR ) 16 CFR 310 - * Demanding upfront fees * before settling debts.

- * Misrepresenting services * Credit Repair Organizations Act ( CROA ) 15 U.S.C. 1679 - * False credit repair claims * 3. HARASSMENT & CALL VIOLATIONS TCPA ( 47 U.S.C. 227 ) - * Calls to revoked numbers * ( {$500.00} {$1500.00} per call ). 
Texas Debt Collection Act ( TDCA ) 392 - * Harassment * ( calling after termination notice ).

4. BREACH OF CONTRACT Texas Business & Commerce Code 2 - * Ignoring cancellation * ( May 8 letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
In XX/XX/year>, a collection account was opened with XXXX XXXX XXXX for {$160.00} on behalf of XXXX XXXX I did not authorize this account or receive any related services. I discovered this fraudulent activity in XX/XX/year> when reviewing my credit report. I immediately filed a report with the Federal Trade Commission and began the process of disputing the account. 

I have never received any communication from XXXX or XXXX before the collection appeared on my credit report. The account appears to be the result of identity theft. I submitted an Identity Theft Report to the FTC on XX/XX/year>, and I am requesting the removal of this fraudulent collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: DISCOVER BANK
State: FL

Complaint narrative:
I paid off a Discover account ( now owned by XXXX XXXX XXXX through a third-party collection agency ( XXXX XXXX XXXX XXXX and it now shows a {$0.00} balance. I have sent multiple goodwill deletion requests by mail and email, and have not received any reply. This is not a dispute of accuracy. Im asking that the tradeline be reviewed for potential removal as a one-time goodwill courtesy so I can finalize mortgage pre-approval.

Company response to consumer: Closed with explanation