vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
XXXX submitting this complaint because Upstart has declined a goodwill request related to an account that is fully paid and closed. 

The account ( Loan XXXX XXXXXXXX ) was charged off after I fell into financial hardship in XXXX. In XX/XX/XXXX, I paid the balance in full. Since XXXX, I have also had a second personal loan with Upstart that has been in perfect standing with on-time payments every month. 

I originally noticed that the charge-off account was being reported with inaccurate late payment dates across multiple bureaus. When I contacted Upstart, they acknowledged the incorrect reporting, but told me I would need to submit disputes to each credit bureau individually instead of correcting it on their end even though the reporting error came from them. I went through that process myself, and the issue was resolved on XXXX XXXX XXXX 

After fully paying off the account, I submitted a goodwill request asking Upstart to consider removing the charge-off status. I wasnt disputing the accuracy of the charge-off I was simply asking for discretion based on : Full repayment Long-term on-time payment behavior with a second loan Prior reporting issues I had to fix myself My current effort to qualify for a mortgage They declined the request, stating they are required to report accurately which again, XXXX not disputing. XXXX asking for discretion, not deletion of incorrect data. 

XXXX requesting CFPB review and assistance encouraging Upstart to reconsider this request in light of my repayment, the prior reporting issues I resolved, and my consistent credit rebuilding efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
I am disputing the following accounts and/or inquiries reporting on my credit profile. These accounts are being reported inaccurately and without proper verification. Some of the accounts were opened without my authorization, and others contain false or unverifiable information. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 and 605 ( b ), which states that only accurate, complete, and verifiable information should be reported.

I have attached my FTC Identity Theft Report along with supporting documentation ( ID, SSN, utility bill ) as proof. I am requesting that these accounts and inquiries be investigated and removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The amount is still {$290.00} I dont believe I owe it tried to dispute it for several times. I also try to settle with less amount. Due to my situation of lack of employment at the time and being homeless in which I told them

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 2025-06-15 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:
I recent got ahold of my report and notice that I had multiple inaccurate information on my report, I have also contacted the FTC & filed all the proper steps

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 2025-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: TX

Complaint narrative:
I enrolled in XXXX ( formerly XXXX XXXX ) in XX/XX/XXXX after being told I wouldnt have to pay unless I got a job in tech. Their Tuition Refund Guarantee ( TRG ) and advertised XXXX XXXX job placement rate convinced me it was a low-risk investment. Based on these promises, I signed a private loan through XXXX XXXX XXXX  ( serviced by Ascent ) for {$21000.00}, which now totals over {$38000.00} with XXXX XXXX annual interest. 

After enrollment, I was presented with strict post-graduation conditions for the TRG that were never clearly disclosed beforehand. For example, I was later told I would need to track and report every job application through their internal system ( TEAL ), and that failure to do so would disqualify me from receiving a refund. These conditions were never explained during the enrollment or loan process and were unrealistic for working-class students, requiring extensive weekly documentation that most people balancing work and survival can not reasonably maintain. 

I spent nearly XXXX years trying to complete the program while working nonstop to help my family avoid losing our home. I even had to sell my car just to stay afloat thats how bad my unemployment became. I finally completed the program in XX/XX/XXXX, but never received a job in tech. And despite XXXX guarantee, I was still denied a refund. 

Now Im stuck with {$38000.00} in debt at XXXX XXXX annual interest all for a job outcome that never happened. 
I feel trapped in debt. I did everything I could and it still wasnt enough. 

This is fraudulent inducement. XXXX got me to sign a high-interest loan based on deceptive promises, then structured the TRG in a way that excludes students like me from ever qualifying. The CFPBs 2023 Consent Order already found them guilty of similar practices. I am XXXX of those victims. Im asking for full relief from this debt due to the deceptive enrollment process and the serious financial harm it caused me and my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
I recently reviewed my credit report and notice and account that was not reporting accurately.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX  refusing to correct my credit score my XXXX XXXX should be paid no later than payments, the insurance company totaled the vehicle in XX/XX/year>, and will not take off the credit inquiry I requested a loan from XXXX  and found out they ran my credit numerous times without my permission, same with affirm on my credit report I did not request a credit pull, and the product was defective and refunded in full making affirm being over paid with my deposit making affirm a predatory lender with is illegal in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, Cash App completed a transaction in the amount of {$170.00} that was not authorized by me. Cash App allowed someone to use my info to make a purchase with the merchant XXXX without my knowledge via Cash App XXXX. An investigation was conducted by Cash App and concluded that this transaction was approved by me. That is inaccurate and they refuse to refund my money. Cash App has failed to protect their users information from being stolen by thieves and will not take responsibility for its vulnerabilities. This is also the same reason Cash App has experienced breaches in the past due to their lack of protection. I demand my money to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OH

Complaint narrative:
In XX/XX/XXXX, I discovered over {$1200.00} in fraudulent charges on my XXXX  XXXX  card. These charges were made in small amounts over a 7-month period, starting in XX/XX/XXXX. They involved many transactions from XXXX XXXX and XXXX. 

I do not own any XXXX devices and do not have an XXXX account. The XXXX charges are completely fraudulent. The XXXX XXXX charges do not appear in my XXXX account history either, which proves I did not authorize them. 

I filed a written dispute with XXXX XXXX as soon as I discovered the charges. 
However, they denied my claim, citing the 120-day rule. These charges were not apparent because they were made in small amounts over timea common tactic used by scammers to evade detection. 

According to Regulation E ( 12 CFR 1005.6 ), I am protected against unauthorized electronic fund transfers. The 60-day rule to report fraud applies after a consumer receives a statement showing the transaction. In this case, the fraud was not obvious until the total damage became clear in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted formal written disputes to XXXX, XXXX, and TransUnion regarding two accounts reported by XXXX XXXX These accounts are misreported across all three bureaus and contain numerous violations of the Fair Credit Reporting Act ( FCRA ) : Account 1 XXXX/XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged Off / {$0.00} Balance Issues : Inconsistent status and dates across all three CRAs ( e.g., different " Date of Last Activity '' and " Date Reported '' ) XXXX  shows XXXX activity on an account closed years ago, raising concerns about re-aging Varying classifications ( credit card, revolving, charge card ) Dispute flag shown only by XXXX  missing from others in violation of 623 ( a ) ( 3 ) Account 2 XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Closed Paid As Agreed {$0.00} Balance Issues : Experian labels the account as a " Sales Contract '' while others label it as " Installment '' XXXX  shows XXXX activity despite the account being closed and paid in XXXX Inconsistent categorization and activity timelines No clear dispute status uniformly reported These inaccuracies are harming my credit standing and violate the following provisions : 607 ( b ) Failure to maintain maximum possible accuracy 623 ( a ) ( 3 ) Failure to report disputes clearly and uniformly 611 Failure to conduct proper reinvestigation Possible re-aging, which is illegal under FCRA if used to extend the reporting period

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In XXXX, XXXX, and XXXXXXXX XXXX XXXX  three 30-day late payments were reported on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX account. During this time, I was enrolled in a debt management program ( DMP ) that was responsible for submitting monthly payments to my creditors, including XXXXXXXX XXXX 

Unfortunately, the DMP failed to make the required payments for three consecutive months. I was unaware of the missed payments until after they were reported to the credit bureaus. Once I became aware of the situation, I took immediate action by resuming direct control of my account and making the necessary payments. I have maintained a 100 % on-time payment history ever since. 

I have contacted XXXXXXXX XXXX  multiple times to request a goodwill removal of these late payments, explaining that they were caused by a third-party service failure and not by personal negligence. However, I have not received a resolution. 

These negative marks are having a serious impact on my credit score, despite my efforts to correct the issue and stay on track since. I am respectfully requesting that XXXXXXXX XXXX reconsider this matter and remove or modify the late payment entries as a goodwill gesture.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XXXX, XXXX, and XXXX of XXXX three 30-day late payments were reported on my XXXX XXXX XXXX XXXXXXXX XXXX  ) account. During this time, I was enrolled in a debt management program ( DMP ) that was responsible for submitting monthly payments to my creditors, including XXXXXXXX XXXX 

Unfortunately, the DMP failed to make the required payments for three consecutive months. I was unaware of the missed payments until after they were reported to the credit bureaus. Once I became aware of the situation, I took immediate action by resuming direct control of my account and making the necessary payments. I have maintained a 100 % on-time payment history ever since. 

I have contacted XXXXXXXX XXXX multiple times to request a goodwill removal of these late payments, explaining that they were caused by a third-party service failure and not by personal negligence. However, I have not received a resolution. 

These negative marks are having a serious impact on my credit score, despite my efforts to correct the issue and stay on track since. I am respectfully requesting that XXXXXXXX XXXX  reconsider this matter and remove or modify the late payment entries as a goodwill gesture.

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 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
This account is being reported inaccurately. I requested debt validation from Midland Credit Management under the FDCPA, and they failed to respond. Per FCRA 611, I am requesting immediate removal of this unverified debt from my credit report. 

I sent a second letter telling them they failed to validate the debt - sent certified mail XX/XX/XXXX Never heard back from them but its still being reported in my credit report as outstanding debt and not in good status etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I submitted a formal credit dispute to Experian regarding multiple inaccurate and/or unverifiable accounts on my credit report. I also requested correction of personal information. Experian completed the reinvestigation but failed to properly verify the disputed information. 

Several accounts were marked as verified or updated without showing any evidence of actual verification, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested a Method of Verification ( MOV ) under FCRA Section 611 ( a ) ( 7 ), but I have not received any supporting documentation or explanation of how the data was verified. 

Experians continued reporting of potentially inaccurate information without clear evidence of verification is causing me financial harm and violates the Fair Credit Reporting Act.

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 2025-06-15 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: TX

Complaint narrative:
I'm having problems logging into my kickoff it's saying that I can't be verified and I'm putting my correct information.I believe my information is crossed with someone else information I been getting this a lot with a lot of credit accounts and also my driver 's license which I made an appointment to resolve the matter with them on my appointment date.I know this is tied into a bigger scam that has to do with insurance policies and property.They crossed information up in different databases ancestry and credit building apps to make the XXXX 's they create a living person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: HW Holding, Inc
State: CA

Complaint narrative:
Dear HUNTER WARFIELD INC This letter is to formally dispute the alleged debt of $ [ XXXX ] associated with account Collection Notice ], which you claim I owe. I am writing to you under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

I assert that this account was opened fraudulently and is not my responsibility. I never applied for, authorized, or received any benefits from this account. This is a clear case of identity theft. 

To substantiate my claim of fraud, I have already filed a police report regarding this incident. A copy of the police report, with report number [ Police Report Number ], is enclosed for your review. I have also attached a copy of a relevant identity theft affidavit, if available. 

Under 15 U.S.C. 1692g of the FDCPA, I am exercising my right to dispute this debt and request validation. I demand that you provide verification of this debt, including : Documentation demonstrating that I am the legal party responsible for this debt. 

The original creditor 's name and address. 

A complete payment history of the account. 

Proof that this debt belongs to me and is not a result of fraud. 

Furthermore, I demand that you cease all collection activities related to this account immediately until you have provided complete validation as requested. Failure to provide such validation within 30 days of your receipt of this letter will be considered an admission that the debt is invalid or not owed by me, and I will expect this account to be removed from my credit reports. 

Please be advised that I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this fraudulent account and your collection efforts. 

I expect a timely response to this dispute and confirmation that this fraudulent account will be removed from your records and from my credit reports. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief