vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Subject : FCRA Violations by Upgrade , Inc. for Improper Credit Reporting During Unresolved Debt Dispute I am submitting this complaint against Upgrade, Inc. ( XXXX XXXX XXXX  account ) for violations of the Fair Credit Reporting Act ( FCRA ) regarding their reporting of a charged-off account to the credit bureaus while the debt was under active dispute and without properly marking it as disputed. 

Background : On XX/XX/XXXX, I received a debt collection notice from XXXX XXXX XXXX regarding an alleged account with Upgrade , Inc . I immediately disputed the debt in writing on XX/XX/XXXX. I never received any timely or valid response until XX/XX/XXXX nearly XXXX months later. During that time, Upgrade continued furnishing the tradeline to all three major credit bureaus. 

As of my XX/XX/XXXX credit reports, Upgrade is reporting the tradeline to XXXX, XXXX, and XXXX  as follows : {$0.00} balance Status : charged off, written off, and sold Not marked as disputed by consumer Violations : FCRA 623 ( a ) ( 3 ) Failure to report the account as " disputed by the consumer. '' Upgrade continued furnishing information about this account even after I submitted a formal written dispute through their debt collection representative. There is no dispute notation on the tradeline on any of my credit reports. 

FCRA 623 ( a ) ( 1 ) Furnishing inaccurate or incomplete information.

By omitting the required dispute notice and continuing to report the account without resolving the dispute or providing proper validation, Upgrade reported information that was materially incomplete. 

FCRA 623 ( b ) Failure to investigate and update information. 
If Upgrade was notified of the dispute by the collector ( XXXX XXXX ) or through the credit bureaus, they were obligated to conduct a reasonable investigation and update the information within 30 days. They failed to do so. 

Why This Matters : Even though Upgrade reports a {$0.00} balance and notes that the debt was sold, it continued furnishing this tradeline to the credit bureaus without the required dispute status. This impacts my creditworthiness and misrepresents the status of the account. 

Requested Resolution : I request that Upgrade immediately update or delete the tradeline from all three credit bureaus. 

At minimum, the account should be properly marked as disputed by consumer. 

I request that CFPB investigate Upgrades furnishing procedures and ensure compliance with the FCRA. 

Attachments : My original dispute letter ( sent to XXXX XXXX XXXX on XX/XX/XXXX ) Copy of XXXX XXXX delayed validation response ( XX/XX/XXXX ) XX/XX/XXXX credit report excerpt showing Upgrades tradeline with no dispute notation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am filing a complaint due to fraudulent accounts and unauthorized inquiries on my credit report. I have identified multiple inquiries that were not authorized by me, specifically those related to a period of time in XX/XX/XXXX. Additionally, the account for XXXX XXXX XXXX and XXXX XXXX are also not mine and are reporting fraudulent information. The presence of these unauthorized inquiries and fraudulent accounts has negatively impacted my credit score, causing a significant drop in my credit rating. Under the Fair Credit Reporting Act ( FCRA ) and Florida state law, I am entitled to a credit report that is accurate and reflects only my own, authorized credit activity. The accounts and inquiries I am disputing on my TransUnion credit report are : Inquiries in XX/XX/XXXX from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XX/XX/XXXX, with an account number ending in XXXX. 
XXXX XXXX account, opened in XX/XX/XXXX, with an account number ending in 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 2025-08-05 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: TX

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX AFFIRM XXXX Opened on XX/XX/XXXX Balance : {$520.00} XXXX  XXXX Opened on XX/XX/XXXX Balance : {$81.00} XXXX  XXXX Opened on XX/XX/XXXX Balance : {$68.00} XXXXXXXX XXXX XXXX  Opened XXXX XX/XX/XXXX Balance : {$60.00} XXXX XXXX  XXXX Opened XXXX XX/XX/XXXX Balance : {$980.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$150.00} XXXX XXXX  Opened on XX/XX/XXXX Balance : {$150.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$370.00} XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX Balance : {$600.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX  XXXX Opened on XX/XX/XXXX XXXX  XXXX Opened on XX/XX/XXXX XXXX  XXXX Opened on XX/XX/XXXX Balance : {$600.00} XXXX  XXXX Opened on XX/XX/XXXX Balance : {$380.00} XXXX XXXX  Opened on XX/XX/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 2025-08-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding an American Express Gift Card that was used fraudulently on XX/XX/year> without my authorization. 

There were XXXX unauthorized transactions totaling {$860.00} at XXXX XXXX XXXX : ( {$240.00}, {$400.00}, and {$220.00} ) I did not make or authorize these transactions. I reported the issue to American Expresss third-party service provider, XXXX, and they denied my claim under reference number XXXX. I was told to take up the issue with the merchant, which is not appropriate under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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, XXXX 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  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6400.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX, XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-08-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX, PA XXXXnSubject: Follow-Up and Request for Update  Identity Theft Victim Request to\nBlock and Delete Fraudulent Accounts\n\nDear Transunion Consumer Services,\n\nIm writing to follow up on the identity theft report I submitted regarding fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the TransUnion data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-05 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: IL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment entry reported on my XXXX XXXX XXXX account and Equifaxs mishandling of my previous dispute. 

Account Information : Creditor : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Late Payment : XX/XX/year> Current Balance : {$290.00} Monthly Payment : {$35.00} In my prior dispute, I clearly requested the removal of the incorrect late payment mark for XX/XX/year> while keeping the account itself active and accurately reported. However, Equifax deleted the entire account from my credit file, which was not authorized by me and contradicts Metro 2 guidelines and FCRA 1681i and 1681s-2. 

This deletion and the inaccurate late payment reporting are causing serious harm to my creditworthiness. I have never been late on this account, and no verified documentation supports the reported late payment.

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 2025-08-05 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: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
XX/XX/year> filed a dispute with XXXX Credit Report, regarding a charge account, currently in collections under Commenity BankXXXX for the amount of {$490.00}, with an initial charge of {$150.00}. 
XX/XX/year> XXXX  notified me that the information they received regarding the account was legitimate, and the information was correct. 

XX/XX/year> attempted to contact Comenity Bank, and Bread Financial regarding a credit card that was opened with their company under my social security information for XXXX XXXX XXXX. 
Was unable to connect with a representative to file the dispute and receive the fraudulent account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts Due to Identity Theft Dear Credit Bureau, I am writing to formally dispute the validity of several accounts currently listed on my credit report, which are not mine and appear to be the result of identity theft. I have never opened or authorized the following accounts, and I request that you immediately investigate and remove them from my credit file under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX These accounts have been reported inaccurately and do not belong to me. I suspect they were opened fraudulently without my knowledge or consent. This is a clear case of identity theft. 

Enclosed are the following documents for verification : - A copy of my state-issued ID - A copy of a utility bill or bank statement with my current address I request that you : 1. Conduct a full investigation into these accounts ; 2. Remove the fraudulent accounts from my credit report ; 3. Send me an updated copy of my credit report reflecting these corrections. 

Please confirm in writing once these items have been removed. I appreciate your immediate attention to this matter. 

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 2025-08-05 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: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter is just a formal dispute and would like to immediately delete the inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : XXXXXXXX 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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
b'Ive been a customer with the Best Buy Visa Platinum credit card for over 10 years. Ive had some missed payments in the past, but over the past few months Ive made major improvements in how I manage my finances, including consistent and increasing payments and enrollment in autopay.\n\nSpecifically, here are the payments I made since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in payments in roughly two months, showing clear intent to pay down my balance aggressively and manage my account responsibly. I also enrolled in autopay in XXXX, showing a long-term commitment to keeping the account in good standing.\n\nDespite this, Citi closed my account with no prior notice and only a vague reference to a credit scoring model citing serious delinquency and high utilization. These issues have existed for a while, so why take action nowwhen Im finally on the upswing and putting in the work?\n\nThis closure:\n\nNegatively impacts my credit by removing one of my longest-standing accounts\n\nUndermines my efforts to clean up my finances\n\nWas issued without any advance notice, options for reconsideration, or real human review\n\nThis feels like an automatic decision made by a risk algorithmnot a fair evaluation of my current behavior or future intentions. Im requesting that Citi provide a clear explanation and reconsider the closure based on the facts above.\n\nI also called Best Buy Credit Services and spoke to a manager to express my concern and disappointment. I explained that I had been making large payments, recently signed up for autopay, and was actively trying to repair my credit. I requested a reconsideration or at least a review of the decision. I was told a complaint would be filed internally, but I have not received any follow-up communication.'

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 2025-08-05 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: PA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: DC

Complaint narrative:
Dear [ Recipient & # 39 ; s Name or Relevant Department ], I hope this message finds you well.

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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