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: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit Bureau has erroneous report of late payment XXXX of XXXX. The payments are set up as automatic withdrawals and payment was received XX/XX/XXXX. I contacted credit bureaus submitted a dispute then contacted XXXX customer relations department to resolve problem. They credit bureau informed me that the dispute was investigated and the late payment designation remained. 

History I took out a loan with XXXX for automobile XX/XX/XXXX for {$7100.00} 4.5 % interest XXXX payments set up as automatic withdrawal. On XX/XX/XXXX there was a missed payment and payment was automatically withdrawn XX/XX/XXXX. 

The payments continued as schedule automatic withdrawal end of month. On XX/XX/XXXX payment was made XX/XX/XXXX. In XX/XX/XXXX there was an automatic withdrawal XX/XX/XXXX. 

In XX/XX/XXXX I was notified by the equifax that there was a late payment designation for XX/XX/XXXX despite payment received XX/XX/XXXX. 

I spoke with XXXX XX/XX/XXXX notified them of the issue and made an additional payment on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
creditor ignored and denied me access to a updated credit card after my balance XXXX to {$1000.00} of a {$5000.00} limit in XX/XX/year>. Calls to creditor were answered by saying " the new card is on the way or has been lost by mail XXXX '' for XXXX months without me having a physical card to use because the expiration had expired. After all attempts of my asking for a new card the creditor closed the account and asked for the entire balance. i never had access to the card and was constantly given the run around while they closed the account in XXXX.

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that the investigation did not resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 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: NY

Complaint narrative:
XXXX, I am writing to formally dispute the reporting of the following account on my credit report : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> This account is inaccurate and therefore it must be removed from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), I am requesting that your bureau conduct a thorough reinvestigation of this account. If the furnisher of this information can not verify its accuracy with proper documentation, you are required by law to delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit report shows inquiries that I do not recognize. I did not apply to these companies, nor did I authorize them to access my credit report. I take my rights as a consumer seriously, and I feel they have been violated. With everything else going on in my life, this situation is adding unnecessary stress and frustration.

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 2025-08-06 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I noticed an inaccuracy on my credit report in XX/XX/2025. I ask for immediate removal of this negative inaccurate account reporting negatively impacting my score on my credit report that does not belong to me. Im a victim of identity theft and this account doesnt belong to me. Please remove it immediately!

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased oil for {$49.00} on XX/XX/year> from XXXX XXXX XXXX online using my PayPal credit account. The next day XX/XX/year> i noticed XXXX additional charges that were unauthorized from XXXX XXXX XXXX. XXXX authorized charges on XX/XX/year> and XXXX on XX/XX/year>. On XX/XX/XXXX unauthorized charges consisted of # XXXX {$1500.00}, # XXXX {$1400.00}, # XXXX {$1500.00}. On XX/XX/year> unauthorized charge consisted of {$2700.00}. I reported to the PayPal i made XXXX authorized payment to this company of {$49.00} and that the remaining XXXX were unauthorized. They have denied me multiple times and I have appealed them all. I have sent them proof of my receipt and the receipts of the fraudulent transactions of stating I bought " fit life rewards '' which i made no purchase of such. Why would I make XXXX different transactions in XXXX hours. I have contacted the merchant and no response. I have contacted PayPal they gave me the excuse that this isn't covered in their buyers policy but I didn't purchase these XXXX transactions. I appealed it they denied it as being unauthorized transactions due to having a billing agreement which I didn't sign or agree to any billing agreement with this merchant other than the {$49.00}. I asked PayPal to provide the billing agreement and they refuse to show me the documents or to return my emails and have blocked my number. I can no longer talk to a representative because they have denied these transactions and are forcing me to pay this when I notified them of the incident within XXXX hours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
RE : Formal Dispute of Inaccurate XXXX Late Payment Reporting Request for Correction To Whom It May Concern, I am writing to formally dispute the reporting of a XXXX late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Error : XX/XX/year> - XXXX Late Payment This loan was previously under administrative forbearance during the XXXX XXXX XXXX payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred. 
I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred. 
Up until this error my Credit Report has shown On Time payment, even in the month prior to the XXXX XXXX Late Payment status, which directly contradicts the claim that I was XXXX XXXX delinquent in XX/XX/year>. Logically, if I was truly XXXX XXXX past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately. 
I am requesting that the XXXX late payment notation for XX/XX/year> be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting. 
Please conduct a reasonable investigation into this matter. If the furnisher can not verify that I was properly notified of due dates and delinquency, and if the timeline of late payments can not be supported by factual documentation, the derogatory mark must be corrected or deleted. 
Please provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for inaccurately reporting a XXXX late payment on my XXXX XXXX account XXXX opened XX/XX/XXXX ), which is currently listed on my Experian credit report as Current, was past due XXXX XXXX, last reported on XX/XX/XXXX. 

This information is false, misleading, and unverifiable. I have thoroughly reviewed my payment history and found no evidence of a XXXX delinquency. Furthermore, both XXXX  and XXXX are accurately reporting this same account as Paid or Paying as Agreed, with no derogatory remarks. 

Despite submitting a written dispute to Experian under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Experian has failed to correct or remove the inaccurate information. Additionally, Experian has not provided any verifiable documentation ( such as an original signed agreement or payment record ) from XXXX XXXX  to support their claim. 

This conduct reflects non-compliance with FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) and disregard for Metro 2 compliance reporting standards. The inaccurate reporting is causing harm to my creditworthiness and affecting my ability to obtain fair credit.

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 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
RADIUS GLOBAL SOLUTIONS LLC In XXXX, XXXX and XXXX I told them This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did NOT open this account. Please permanently remove it from my credit report immediately. 

This collection just recently came on my credit report in XX/XX/year> and I never in my life did any business with 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 non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-08-06 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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