vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. My payment history has been consistently timely, making any inaccuracies in reporting both improper and unlawful.

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 2025-10-20 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: MD

Complaint narrative:
Hi, I hope everything is going well. Regarding the accounts listed below, I'm writing this letter. That is showing up on my credit record, which is really hurting me. Persons stole my identity and got access to my information, which is why these accounts show up on my credit record. Being responsible for accounts that were started without my knowledge is not fair, and these accounts are really bothering me.

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 2025-10-20 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged FNWSE/OPPLNS - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

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

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
After filling a complaint through cfpb against this company in XX/XX/XXXX. i received a letter saying i was sued and served papers in 2023 and they have obtained a judgment on this XXXX XXXX  account. ( identifiable by XXXX Reference # XXXX/ Our File # XXXX ). As of today, they didnt send me a copy of this alleged lawsuit or the judgement that they were granted I or any of my minor children have never been served court papers. i have reviewed my cameras during the time that they say i was served and i have never seen a process server. this company has been engaging in illegal debt collection practice for example, i was sued by them for a previous debt and i didnt receive notification of wage garnishment until after my wages were garnished. they robbed me the opportunity to appeal the garnishment and i believe they trying the same illegal tactics again. they are purposely sending consumer their notification late and yet using same day mail delivery to their jobs to collect on garnishment they say they sent me notification that they own the debt but they didn't so i'm formally requesting copy of all the attempts they made to collect the debt copy of the letter they say they sent me that they own the debt copy of their lawsuit and signature of the person they served at my door copy of the judgement that was granted to them against me if they cant provide that, i want any and all collection activity to be stopped immediatly and for the account to be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation for inaccurate credit reporting on an auto loan account that had two co-owners. 

One of the co-owners on the loan passed away, and since that time Credit Acceptance has continued to report late or missed payments on the account in my name. These negative marks are inaccurate and unfair because the payment issues occurred after the co-owners death, while the account was being handled through insurance and estate processes beyond my control.

I have notified Credit Acceptance of the co-owners passing and provided documentation, yet the company continues to report derogatory information that does not accurately reflect my individual payment history.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report complete and accurate information and to promptly correct or delete data they knowor should knowis inaccurate. Continuing to report these late payments after notice of the co-owners death violates this duty and is causing ongoing credit harm. 

I am requesting that Credit Acceptance immediately remove or correct all negative payment history associated with this account and provide written confirmation that my credit file will be updated with accurate information across all three credit bureaus ( XXXX, XXXX, and 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 2025-10-20 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC XXXXi, which obligates you to provide me with the procedures you used to verify the information on my credit report. 
If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC XXXX ) I have an essential right to privacy regarding my financial information. Also. 15 USC XXXX ( XXXX ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in 15 USC XXXX ( XXXX ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, XXXX XXXX XXXX addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I received a letter and threatening phone calls from financial credit network. Located in XXXX California. I keep requesting validation of dead and identification for the person who the original agreement was for. They have not been able to provide any of this for me. They are saying that this is my debt, even though that is not the correct spelling of my name, or my ex-husband name. This feels like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. My payment history has been consistently timely, making any inaccuracies in reporting both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My account was restricted, and I filed a complaint on XX/XX/XXXX and you responded with the same response after waiting 60 days as to why I filed a response in the first place although you stated my account was being reviewed. I finally talked to my relative on XX/XX/XXXX whom cause all this and he called his bank with me on three way and he informed them that I was on the line as well.They informed me that they do not show anywhere that they disputed any transaction for XXXX but they do show over 20 XXXX disputes done on XX/XX/XXXX or XX/XX/XXXX not sure of the exact date but it was alot however I was not one of them and she called off all the names but I was not included. They said that my bank could call on three way to clear this up. I called my bank and told them I had a recording of him confirming he never disputed the transactions and that his bank confirmed and said NFCU could call on three way and NFCU said a recording is inadmissible and can not be accepted and that they does not know why his bank told me that NFCU can call them on three way because they can not do that like it make no sense or something and I was l like I'm just telling you what was told. NFCU said they would need a letter in writing stating that they never disputed the transactions so I said ok I will have him let his bank know. My cousin and I called his bank back on XX/XX/XXXX they stated again they don't see any disputes he made for me, and he informed them again I was on the phone, and I explained to them what was going on and told them that NFCU stated that they sent over something stated that he filed XXXX fraud on some transactions and that if they do not show it then they will have to send a letter in writing. The lady put us on hold and came back and said that since they don't show any disputes, they can not just write a letter to my bank. I told them I have to have this because my bank show they sent a dispute over and she said that the bank gave me false information and I just need to file a complaint against them, but I told her I already have. So how is it possible that an investigation was done if the bank claims they do not show a dispute? Please advise? Why are they telling me they don't show a dispute, and you have one? It's like I am caught in the middle. It's not fair both of you are saying one can do something and the other one is saying no we can not. If you contact XXXX you will see that there must have been some error. I am your member I don't know why you're giving me such a hard time. I haven't done anything wrong. My cousin also filed a complaint to try and get his bank to send a letter. What is going on is not right and fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.

My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MA

Complaint narrative:
On XX/XX/XXXX I received an email reminder of an upcoming loan payment scheduled for XX/XX/XXXX. I panicked, because my account was already overdrafted. I logged into my account to cancel the payment and reschedule for a week later, but was not able to do so online. I called around XXXX XXXX  on XX/XX/XXXX to request that the payment be cancelled. I was spoken to rudely by an employee, name sounded like XXXX. He tossed the phone around like he was working from his bed and told me he cant cancel it. To call my bank and ask for a stop payment. 
I took his advice and contacted my bank, XXXX XXXX, to request stop payment. They were concerned- explaining the merchant has the ability to cancel. That I should call them back and request a manager. I called back, requesting a manager and was degraded by their staff. Told the manager is going to tell you the same thing I just waited and asked for you I said Im the client. I have the loan. I want to speak to them. He refused. Well, next day the payment was processed despite me telling two employees they arent authorized to deduct from my account. I had to open a fraud case with XXXX XXXX  thats under review, ignored emails from Upstart Loan, and my account is still negative over XXXX $ I am a mom with XXXX young children. I couldnt grocery shop this weekend. The lack of response by this company has to be illegal. Deceptive and shady practices. Payment plans having XXXX of dollars of interest added because I am experiencing a hard ship. Ive paid this company over XXXX and have been a customer for 5+ years. Im devastated. 



I informed Upstart Loan network in XXXX of XXXX when I began the payment plan that I was taking a new job after being let go. They just dont care. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX  - XX/XX/2025 XXXX XXXX XXXX - XX/XX/2025 XXXX XXXX XXXX XXXX - XX/XX/2025 2025

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 2025-10-20 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: AL

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

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