vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are attached to verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies have caused me stress, impacted my financial opportunities, and do not reflect my true financial history. I request that each item be permanently deleted from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am disputing a XXXX late payment that Upstart reported on my credit for Loan # XXXX This late payment was not due to negligence. Prior to the due date, I updated my bank account information in XXXX  online portal so that my automatic payment would process from my new account. Upstarts system failed to apply the updated banking information, which resulted in the payment not being processed. 

In addition, Upstart never notified me that the payment failed or that I was approaching 30 days past due. I did not receive any email, phone call, or alert. Had I been notified, I would have addressed it immediately. 

As soon as I became aware of the issue, I paid the loan in full and have had a positive payment history otherwise. 

Despite the fact that the delinquency was caused by a system error and lack of notification, Upstart reported the account as 30 days late. This is misleading and incomplete and therefore violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information that is technically accurate but materially misleading or the result of their own servicing failures. 

I contacted Upstart customer service and requested a goodwill or accuracy correction. They refused and stated they are required by law to report accurately, but the information being reported is not fully accurate because it omits their system error and failure to notify. 

I submitted a formal dispute directly to their credit reporting department, but I am filing this complaint because I want this resolved fairly. I am requesting that the XXXX late payment be removed from my credit reports with all burea

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experians reinvestigation of my dispute related to a XXXX  XXXX XXXX account ( secured card ending in XXXX ). 

I submitted a dispute through Experians online portal on XX/XX/year>, requesting validation and a proper reinvestigation of a charge-off account that XXXX XXXX  XXXX XXXX XXXX report inaccurately. 

Experian closed the dispute the same day with the result Verified and Updated. The balance and reporting date were updated to XX/XX/year>, but no documentation from XXXX  XXXX XXXX was provided to validate the debt. 

This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Experian did not conduct a reasonable reinvestigation and did not delete unverifiable information. Simply updating the date and balance does not constitute proper verification. 

Furthermore, XXXX  XXXX XXXX violated FCRA XXXX ( a ) ( XXXX ) ( A ) by verifying information without providing any substantiation. 

I am requesting that the CFPB require both Experian and XXXX XXXX XXXX to produce all documents used for verification or delete the account entirely if they can not validate it. 

Attached are screenshots showing the Experian dispute result ( Verified and Updated on XX/XX/year> ), the XXXX XXXX XXXX account with Balance updated XX/XX/year>, and the charge-off details without validation.

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 2025-10-22 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experians reinvestigation of my dispute related to a XXXX  XXXX XXXX account ( secured card ending in XXXX ). 

I submitted a dispute through Experians online portal on XX/XX/year>, requesting validation and a proper reinvestigation of a charge-off account that XXXX XXXX  XXXX XXXX XXXX report inaccurately. 

Experian closed the dispute the same day with the result Verified and Updated. The balance and reporting date were updated to XX/XX/year>, but no documentation from XXXX  XXXX XXXX was provided to validate the debt. 

This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Experian did not conduct a reasonable reinvestigation and did not delete unverifiable information. Simply updating the date and balance does not constitute proper verification. 

Furthermore, XXXX  XXXX XXXX violated FCRA XXXX ( a ) ( XXXX ) ( A ) by verifying information without providing any substantiation. 

I am requesting that the CFPB require both Experian and XXXX XXXX XXXX to produce all documents used for verification or delete the account entirely if they can not validate it. 

Attached are screenshots showing the Experian dispute result ( Verified and Updated on XX/XX/year> ), the XXXX XXXX XXXX account with Balance updated XX/XX/year>, and the charge-off details without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On the evening of XXXX XXXX XXXX XXXX XXXX XXXX 3 male individuals came in my property stating they were here for the property. I politely asked them to leave and exit my property. They exit the property and coved my drive way with the tow truck, this tow truck was not displaying any company name or TDLR number. I asked them to not block the drive way and one of the drivers stated that the street was not my property. They stayed blocking the driveway and I asked again to not block my drive way because I was going to exit. After opening my gate the tow truck started moving and I exit my gate. Another tow truck restricted me from exiting my courted sac covering my pass and restraining my movement. The other tow truck had a name displayed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I advised the second tow truck to move that he was braking the law and he continued to block me. The other tow truck that was behind me, hooked the car and started to lift it while I was driving and in movement. I instructed the tow truck agent that had hooked my car that I had hurt and he continued to ignore and didnt bring the car down. Vehicle is finance with Mountain America Credit Union XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-22 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: GA

Complaint narrative:
I reviewed my credit report and noticed several credit inquiries that I did not authorize or initiate. These inquiries appear to have been made without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). I am requesting that these inquiries be investigated and permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: OVM FINANCIAL, INC
State: MS

Complaint narrative:
Went to my home XXXX day locked out and evicted without notice. Have proof of payment and recent emails and recorded phone calls from XXXX XXXX of OVM before and AFTER saying I'm 100 % green.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested Capital One Auto Finace to re-report a previous car that was paid off and account closed in good standing, the account referenced as XXXXThe account was disputed by accident and fell off the report .Please get them to re-report it to XXXX it reflected a large part of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Final bill from my Sons residence was placed in my name. 
I didnt receive written notice of the debt I received a text message a few days ago from sunrise debt collections and called them, they stated this was not reported to credit bureau on a recorded line and the bill had been paid to the company already which I informed them. They asked for a copy of receipt and this was emailed, today they reported the debt which was already paid off to credit bureaus and when I called them to have it removed they stated they would not remove it only Mark it as paid. They should not have reported it to begin with today it had a XXXX balance

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 2025-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Sinccerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Since XX/XX/year>, I have been disputing over {$4000.00} in unauthorized XXXX XXXX XXXXXXXX XXXX ) transactions made on my Goldman Sachs Apple Card account. Despite repeated communications and documented evidence showing these transactions were not authorized by me, Goldman Sachs has continuously sided with the merchant using templated denial letters. Each denial used nearly identical wording ( compelling evidence provided and no billing error occurred ) without conducting a proper or individualized investigation. 

Goldman Sachs also closed my account while my disputes were still open preventing me from accessing necessary billing records and account statements. This action directly interfered with my rights under the Fair Credit Billing Act ( Regulation Z, 12 CFR 1026.13 ) and my right to block inaccurate or fraudulent information under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I made several attempts to obtain full merchant evidence and my billing records ; however, Goldman Sachs either ignored or redirected me to XXXX, who also could not provide the requested information. 

This prolonged mishandling has caused months of emotional distress, frustration, and financial harm as I have continued paying minimums and interest on fraudulent balances that should have been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
XXXX XXXX is reporting and attempting to collect on Account # XXXX ( originating with XXXX for a XXXXXXXX XXXX XXXX XXXX in clear violation of federal and state law. The account is misclassified as a lease, shows fabricated 67 % on-time payments despite no payments being made, and is being furnished without proof of assignment or validation. 

XXXX also offered me a financial hardship option promising no negative reporting, but still reported the account derogatory, which is deceptive and unlawful. Despite my disputes, they have failed to provide validation as required under FDCPA 809 and continue to furnish inaccurate information in violation of FCRA 607 ( b ), 611, 623. 

These actions also violate TILA ( missing disclosures ), UCC 9-210 ( no assignment proof ), GLBA ( improper transfer of private data ), FTC Act ( UDAP ), Michigan Collection Practices Act, and Michigan Consumer Protection Act.

I am demanding : ( 1 ) deletion of this account from all credit bureaus unless validated, ( 2 ) cessation of collection until lawful validation is provided, and ( 3 ) written confirmation of corrective actions. If these demands are not met, I will pursue all remedies under FCRA 616617, FDCPA 813, TILA, and state law, including statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting and attempting to collect on Account # XXXX ( originating with XXXX for a XXXXXXXX XXXX XXXX XXXX in clear violation of federal and state law. The account is misclassified as a lease, shows fabricated 67 % on-time payments despite no payments being made, and is being furnished without proof of assignment or validation. 

XXXX also offered me a financial hardship option promising no negative reporting, but still reported the account derogatory, which is deceptive and unlawful. Despite my disputes, they have failed to provide validation as required under FDCPA 809 and continue to furnish inaccurate information in violation of FCRA 607 ( b ), 611, 623. 

These actions also violate TILA ( missing disclosures ), UCC 9-210 ( no assignment proof ), GLBA ( improper transfer of private data ), FTC Act ( UDAP ), Michigan Collection Practices Act, and Michigan Consumer Protection Act.

I am demanding : ( 1 ) deletion of this account from all credit bureaus unless validated, ( 2 ) cessation of collection until lawful validation is provided, and ( 3 ) written confirmation of corrective actions. If these demands are not met, I will pursue all remedies under FCRA 616617, FDCPA 813, TILA, and state law, including statutory, actual, and punitive damages.

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 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
I probably have at least XXXX oppen cash app accounts i can not recover and can not close. It is impossible to see my ballance and i have a stock account i can not access on one of those previouse accounts. Only one stock account is permitted so i can not invest any longer without that previose acount causing me to miss possible earnings and maintain the current account. It creates confusion with my buisness partners and a loss of income due to problem finding current useable account or lost funds sent to open unaccesable accoynts. I am what they call a dinosour when it comes to electronics but even i should be able to manage my own hopefully friendly bank service accounts. I was told it was imposible to tottaly close an account or merge accounts to gether as one they keep sending me lengthy instructions on how to go off line and pull up a prior cash app but if i go off line then that account to be omes lost they say it is irretreavable no access to even myself and they cant helo do that seems its easyer for a theif to hack than to access my own personal nanking inf.to use my self. Many people are experiansing this same problems seems realy XXXX. Can you please help me, us with this " sevice '' hope you understood all that. Thank you for reading my complaint and you help is deeply appritiated and all your hard work to. Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation