vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: FL

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 non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am formally disputing the late payment entry reported on my account. My verified records confirm that I have consistently paid on time and have never defaulted on this obligation. The reporting of a late payment is therefore false and must be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MO

Complaint narrative:
I got my XXXX check on the XXXX XXXX card on the XXXX of XXXX, my card is locked and every time I put my username and password in it says invalid and says call the number on back of the XXXX XXXX card and when I do no one answers, I've been calling for 4 days now and I got a email saying a new device log in to my XXXX XXXX card 4 hours ago and it wasn't me, I need help contacting XXXX XXXX since they won't answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX charges from cash app for XXXXXXXX XXXX and XX/XX/XXXX XXXX charges for XXXX XXXX and XXXX  for XXXX {$25.00} {$6.00} XXXX and XX/XX/XXXX for XXXX $ and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to dispute the late payment inaccurately reported on my account. My verified records confirm consistent on-time payments. This entry is false and must be deleted without delay.

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 2025-08-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDELENT ACCOUNTS : XXXX XXXX XXXXXXXX -Date Opened XX/XX/year> -Balance {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a dispute of a fraudulent account appearing on my credit file. I have never authorized, opened, or had any involvement with this account. Its reporting is inaccurate, misleading, and damaging to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complain, QWR and DVR to provide me copies of wire transfer receipts, cancelled checks or ACH evidencing payments for my home insurance policy by PennyMac Loan Services , LLC in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am providing an additional follow-up concerning certain inquiries on my credit file remain unauthorized or unverifiable despite previous disputes. Many of these inquiries were made without my knowledge or consent and do not meet the requirements for permissible purpose under FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). These inquiries should be removed immediately, as they were not legally authorized. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized and must be removed from my credit file. I request a complete review under the FCRA and written confirmation of all actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

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 2025-08-30 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS 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 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 XXXX XXXX XXXX XXXXXX/XX/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 2025-08-30 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear, To Whom It May Concern I am writing to formally dispute the unauthorized use and sharing of my personal information by Early Warning Services , LLC. It has come to my attention that my personal data has been shared without my written consent, which I believe violates both the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ). 

Under the XXXX, specifically XXXX XXXX, parties involved in a transaction must act in good faith and adhere to principles of fairness in their dealings. Sharing my personal information without consent is not only a breach of this trust but also undermines the ethical standards required in commercial transactions. 

Moreover, the FCRA mandates that consumer reporting agencies maintain accurate and fair information regarding consumers. The unauthorized use of my personal information not only violates my rights under this act but also exposes me to potential harm and misrepresentation in the marketplace. According to the FCRA, I have the right to dispute inaccurate information and demand its removal. 

Therefore, I hereby demand the immediate removal of my personal information from your database and any records shared with third parties. I request written confirmation that my information has been deleted and that no further unauthorized use will occur. 

Please respond to this letter within XXXX  days to confirm that my request has been processed. Failure to address this issue XXXX lead me to pursue further action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WI

Complaint narrative:
In XX/XX/2025, I noticed that my federal student loans were reported as 180 days late immediately following the end of the XXXX forbearance period. I did not receive adequate notice from my servicer that payments were resuming. As a result, XXXX student loan accounts were marked delinquent simultaneously, which caused my credit score to drop by nearly XXXX points. 

Once I became aware of the issue, I immediately contacted XXXX to bring my account current and began the process of consolidating my loans into a XXXX  XXXX XXXX. I have acted in good faith to resolve this matter and requested that the negative reporting be reversed. However, the delinquencies remain on my credit reports. 

I believe this reporting is inaccurate and unfair. It does not reflect my repayment intentions or my prompt efforts to correct the situation through bringing my loans current and initiating consolidation. These late marks are causing significant harm to my credit profile and directly affecting my ability to qualify for a mortgage. 

I respectfully request that the delinquency reporting be corrected or removed from my credit reports to more accurately reflect my repayment history and current account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WI

Complaint narrative:
In XX/XX/2025, I noticed that my federal student loans were reported as 180 days late immediately following the end of the XXXX forbearance period. I did not receive adequate notice from my servicer that payments were resuming. As a result, XXXX student loan accounts were marked delinquent simultaneously, which caused my credit score to drop by nearly XXXX points. 

Once I became aware of the issue, I immediately contacted XXXX to bring my account current and began the process of consolidating my loans into a XXXX  XXXX  XXXX. I have acted in good faith to resolve this matter and requested that the negative reporting be reversed. However, the delinquencies remain on my credit reports. 

I believe this reporting is inaccurate and unfair. It does not reflect my repayment intentions or my prompt efforts to correct the situation through bringing my loans current and initiating consolidation. These late marks are causing significant harm to my credit profile and directly affecting my ability to qualify for a mortgage. 

I respectfully request that the delinquency reporting be corrected or removed from my credit reports to more accurately reflect my repayment history and current account status.

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 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: NC

Complaint narrative:
Dear SST Customer Service / Loan Department, I am writing to request a temporary deferment of my loan payment due to a serious medical hardship. I am currently experiencing a XXXX XXXX XXXX, which has caused severe pain and frequent vomiting, and I am preparing for XXXX soon. This situation has created unexpected medical expenses and significant financial strain. 

I kindly request that my missed payment be applied to the back of my loan. I also respectfully ask that this temporary hardship not be reported to my credit, as this is completely unforeseen and beyond my control. This could happen to anyone, and I hope SST can show compassion, understanding, and empathy during this difficult time. 

I am committed to continuing my loan payments once my situation stabilizes. Please let me know if you require any documentation from my healthcare provider to support my request. I sincerely appreciate your understanding and prompt attention to this matter. 

Thank you very much for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft I do not recognize these accounts please remove them from my credit report they are hurting my ability to obtain credit. There are also a few hard inquiries that i do not recognize, ( XXXX rush and associate inquired on XXXX ) and ( XXXX inquired XXXX XXXX ). Please remove all things I have listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft I do not recognize these accounts please remove them from my credit report they are hurting my ability to obtain credit. There are also a few hard inquiries that i do not recognize, ( XXXX rush and associate inquired on XXXX ) and ( XXXX inquired XXXX XXXX ). Please remove all things I have listed.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a balance on a citicard open XX/XX/XXXX. Here is the full history Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$250.00} {$51.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$490.00} {$20.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$500.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$320.00} {$48.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$210.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$30.00} {$10.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$29.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$420.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$4.00} {$4.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$40.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$780.00} {$23.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$430.00} {$20.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$430.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$510.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$430.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$270.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$770.00} {$22.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$1000.00} {$74.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$770.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$220.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} on XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} I called citicard and they were unable to locate a credit card with my social security or telephone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I contacted Upstart on XX/XX/XXXX to request a brief grace period due to a temporary financial hardship caused by a delayed paycheck. Despite explaining my situation clearly and expressing commitment to make the payment once my funds were available, I received only generic automated responses stating that someone would get back to me. 

Its now been over 48 hours with no follow-up, support, or resolution. This lack of response is unacceptable, especially when I reached out in good faith and tried to communicate before missing any payments. Im extremely disappointed with the silence and lack of urgency, and I am asking for regulatory review of this companys practices in responding to borrowers experiencing hardship.

Company response to consumer: Closed with explanation