vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I am filing this formal complaint to dispute a reported late payment that disrupts an otherwise consistent and timely payment history. My records confirm that the payment was submitted within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have an auto loan opened since XX/XX/year> and have made current payments, which has been consistently reported monthly to each bureau. Equifax is the only bureau reporting my open account as closed and showing a balance that is higher than the current balance. 

I initially disputed this and they sent me a letter saying it was no longer closed, yet the balance is still the same amount. I pulled my report to see that they still have the account reported as closed and again the balance is incorrect. 

This is negatively impacting my credit report and causing unnecessary elevated interest rates while trying to shop for another vehicle. 

I have attached documents to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-27 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: MI

Complaint narrative:
I'm contacting you with urgency regarding an account listed on my credit report that I did not authorize, open, or consent to in any way. This account represents a clear and unlawful use of my personal identity and information. Let me be absolutely clear : this is a case of identity theft, and I am demanding that this account be immediately deleted from my credit file. 

I have never had any involvement with this account, nor have I given anyone permission to open it in my name. Its presence on my credit report is not only falseits damaging, unlawful, and in direct violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc.
State: OH

Complaint narrative:
A NelNet representative called my boss multiple times, on his personal number, and left a voicemail stating that he was calling about me in the attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: 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 explanation
Consumer complaint received 2025-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX, because Capital One Bank USA conducted an unauthorized XXXX  inquiry on my credit report dated XX/XX/year>. 

I have never applied for credit or authorized Capital One to access my credit file on that date or at any time. Under FCRA XXXX ( a ) ( XXXX ), a XXXX  inquiry must be made with a valid permissible purpose and with my explicit written consent. I contacted Capital One Bank USA to request documentation or proof of authorization, but they failed to provide any. 

I also disputed this inquiry with the credit reporting agencies under FCRA XXXX, but it has not been removed or verified with proper documentation. 

This XXXX  inquiry has XXXX impacted my XXXX XXXX and represents a clear violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate personal information and account data on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors directly with the bureau, the inaccurate data remains uncorrected, causing ongoing harm to my creditworthiness and personal reputation First, TransUnion is reporting two XXXX SOUTH AV XXXX XXXX, NJ XXXX and XXXX XXXX SOUTH AV XXXX, NJ XXXX are completely unrelated to me. I have never resided at these addresses. Reporting false identifying information is a violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. This is also a breach of Section 609 ( c ) ( 2 ) which prohibits the inclusion of unverifiable data in a consumer report Second, TransUnion is reporting a mortgage account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance and a late payment. Reporting a delinquency on an account with a zero balance is both misleading and deceptive. Under FCRA Section 611 ( a ), a consumer has the right to dispute information believed to be incorrect or unverifiable. TransUnion has failed to provide proper verification from the original creditor and continues to damage my credit profile with this erroneous entry This negligence has resulted in lowered credit scores, missed financial opportunities, and emotional distress. TransUnion has not fulfilled its legal responsibility to investigate and correct these errors within the required timeframe. I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel TransUnion to : 1 ) Permanently delete the two incorrect addresses from my credit file, 2 ) Remove the XXXX XXXX late payment if it can not be fully verified with original records, XXXX ) Ensure future compliance with FCRA standards I am prepared to provide identification, proof of current and past addresses, and additional documentation as needed. I request that this complaint be taken seriously and that corrective action be initiated 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 non-monetary relief
Consumer complaint received 2025-06-27 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 am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I have tried to get my credit report investigated by the credit bureaus on multiple occasions an they have failed to investigate and failed to fix the issue. I have submitted all required docs and spent money sending letters back and forth to them and the furnishers and none of them follow the law. I am consulting with a consumer rights attorney moving forward and have filed complaints with other agencies.

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 2025-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to get my credit report investigated by the credit bureaus on multiple occasions an they have failed to investigate and failed to fix the issue. I have submitted all required docs and spent money sending letters back and forth to them and the furnishers and none of them follow the law. I am consulting with a consumer rights attorney moving forward and have filed complaints with other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
Yes us bank finally returned my money but only after I exposed their deceit through this process. Please I beg you to read this if you care about the underdog. US Bank purposely held MY MONEY back. They FINALLY refunded MY MONEY appx two months after they pretended to close my account XX/XX/XXXX. That was not money they gave to me it was MY MONEY THEY FINALLY RETURNED. 

US Bank continued to say it was me who didnt close the account properly UNTIL I documented a call to their district manager that same day back in XXXX XXXX when I made sure they understood their lies would be refuted in court THEN THEY BACKED DOWN AND SUDDENLY CLAIMED IT WAS JUST AN ERROR. 

In the meantime my creditors were getting bogus payments that were taken back and us bank NOT ONE TIME has asked me how much money l lost from creditors nsf charges. 

Then they claim they refunded a credit but thats not true. Who is the individual that actually cares about us little people when big banks gobble up the little money we have THEN GET AWAY WITH IT SIMPLY BY LYING. 

US Bank lied throughout this complaint and you are sticking with their lies. The federal government ( you ) demanded banks flag accounts of XXXX and XXXX supporters. When should I plan on being arrested because you definitely exposed this XXXX while letting us bank lie their way to the end.

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 2025-06-27 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy of a derogatory item currently appearing on my Equifax credit report. Given the ongoing risks associated with the Equifax data breach, which exposed sensitive consumer information, I am concerned about the possibility of data misuse or unauthorized reporting. I am requesting a full reinvestigation of the following account in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Account in Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX  : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
I'm writing to demand the immediate removal of an account that has absolutely nothing to do with me but is showing up on my credit report. This account is not mine it belongs to someone else entirely and its clear that my personal credit information has been mixed with another individuals. 

This is a serious error that is impacting my credit profile and could potentially cause further harm if not corrected right away. I want to be extremely clear : this is not a shared account, and I have no connection to it whatsoever. The presence of this incorrect account on my report is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
XXXX is collecting an account for XXXX. They call me multiple times a day, and when I answer no one is there. In addition, they have texted me over 30 times, sometimes twice a day, and or multiple times a week. When I click on the link, it never works, its like they are calling and texting simply to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-27 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 2025-06-27 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: SLM CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), specifically 604 and 611, due to an unauthorized hard inquiry on my credit report by Sallie Mae Bank on XX/XX/year>. 

I have never applied for credit, loans, or services from Sallie Mae Bank and did not authorize this hard inquiry in any form. According to FCRA 604 ( a ) ( 3 ), a company must have a valid permissible purpose and my written consent before accessing my credit report. 

I contacted Sallie Mae Bank and requested proof of a signed application or any other documentation showing my authorization. They were unable to provide it. 

I also disputed the inquiry with the credit bureaus under FCRA 611, and it remains unresolved and unverifiable. This inquiry was made without my consent and has negatively impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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