vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On Wednesday, XX/XX/year>, an unknown man came to my door XXXX, aggressively banging and speaking loudly. He did not identify himself, did not announce any affiliation with Upgrade or any financial institution, and did not state that he was a debt collector. He claimed he was looking for me by name and said he had a notice for me but provided no paperwork, credentials, or business card. 

He entered my building without authorization, which constitutes trespassing. This is a secure building, and no prior notice or permission was given for any representative to visit. He stated through the door that he would return tomorrow, which I now feel is a threat to my safety and privacy. 

No one from Upgrade, nor any third-party on their behalf, notified me of an in-person visit. My online account contains no messages or alerts, and I have received no emails, letters, or phone calls regarding any upcoming visit. 

I submitted an inquiry to Upgrade via email immediately, asking for confirmation about whether this visit was authorized and to request formal documentation. As of this complaint, I have not received any response. 

Regardless of loan status, this kind of aggressive, undocumented, unannounced behavior including trespassing and loud intimidation is completely unacceptable, illegal and should be investigated. I am requesting that Upgrade : Confirm whether this individual was sent by them or a third-party acting on their behalf. 

Provide an explanation for why no notice or documentation was given. 

Confirm that no further unauthorized visits will be made to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 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: CO

Complaint narrative:
In XX/XX/year>, I disputed a bankruptcy being reported on my Experian credit file. I explained that the record was inaccurate and requested verification under the Fair Credit Reporting Act ( FCRA ). 

Over the following months, I mailed several disputes and uploaded documentation to Experian, including : A letter from the U.S. Bankruptcy Court stating they do not verify or furnish consumer information to any credit bureau. 

XXXX  records confirming there is no verification or reporting connection with the court. 

My complete XXXX consumer disclosure, which contains no record of any bankruptcy. 

In XX/XX/year>, Experian completed another investigation but refused to delete the record, claiming that a public record vendor verified the bankruptcy. This statement is false and misleading because the court itself has confirmed that no such verification occurs, and XXXX of Experians vendorsshows no bankruptcy data tied to me. 

I then filed a complaint with the CFPB in XX/XX/year>, and Experian responded with the same explanation, again citing a vendor rather than a legitimate source. This is a clear violation of FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), which require that information reported must be accurate and verifiable from the original source. 

Experians investigation failed to correct or remove the unverifiable information, and their continued reporting is causing ongoing harm to my credit and finances. I am resubmitting this complaint with new documentation to request full deletion of the bankruptcy and verification of their vendors identity for accountability.

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 2025-11-12 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XX/XX/2025, I contacted XXXX by phone to schedule a fumigation for my mobile home located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. A few days later, inspector XXXX XXXX was sent to me and informed me that XXXX fumigations were required : XXXX for the tent, at a cost of {$2100.00}, and another to install fumigation stations in the ground, at a cost of {$1700.00}, to eliminate the termites. I, XXXX XXXX, accepted and paid for both fumigations with a credit card. 

Later that same month, the fumigation of the tent inside the house was completed successfully, but the technicians informed me that the ground could not be fumigated because Florida law prohibits the installation of fumigation stations in mobile homes. I told them there was no problem and that they should refund the {$1700.00} I had already paid. Since XXXX, I've been in contact with XXXX, and they wouldn't refund my money until I filed a claim with my credit card company. They investigated, canceled the payment to XXXX, and refunded my money. 

A few days later, XXXX started contacting me to collect the {$1700.00} for work they didn't do. I explained the situation, and they removed the balance from their account, but they transferred my information to Transworld Systems Inc., a debit collector. 

I need this problem investigated and resolved.

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 2025-11-12 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: MD

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 2025-11-12 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. Below are the accounts that I believe to be inaccurately reported, and I request a thorough investigation into each. Please see the details for each credit bureau below. 

Charged Off Accounts : XXXX  XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

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 2025-11-12 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: IL

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$580.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Date XXXX : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-11-12 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:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-12 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: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI is still sending the same set of documents from XXXX XXXX. Those papers only show the original loan from XXXX XXXX. They do not show that I personally signed or agreed for Bounce AI to have my personal information or to report anything on my credit file. 

I am not asking them to prove the loan existed with XXXX XXXX. I am asking for proof that Bounce AI has legal permission to access my information, use it, collect on it, or report it. They have not provided any signed document with my name showing I agreed for my information to be transferred to a third party collection agency. 

Bounce AI also stated they see no reason to investigate any further, even though this account is in active dispute. That means they are refusing to comply with the requirement to reinvestigate the information I challenged. Reusing the same packet from the original creditor is not validation. It does not show my consent or authorization. 

It is constant back and forth. I soon will be following with my attorney and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I ask in writing for a debt validation and they say I own the loan!! But to who?? How do I know if they are the legitimate holders of this debt?? And no proof that it me other than a copy of a bill?? The debt Validation is totally incomplete!!! I guess they think Ill give up and say. Ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Trying buy a house this on my credit report according to to the 15 report U.S.C 1681 there should be no damages on my report this is a defamation of my character the FCRA to have a original creditors of documentation on file to verify that this information is mine and is correct. It has been over 30 days and by law this should be deleted off my all three of my credit reports.

I am herby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1of the C ) A ) ( a consumer contract with my signature on it. As, you know, under Section 611 ( 5 ) ( A ) you are required to " ... promptly DELETE all information which can not be verified or sold to a third party. 
The law is very clear as to the civil liability and the remedy available to me " negligent noncompliance " ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

Demand the following account to be deleted immediately Account Account Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks, 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a Portfolio Recovery Associates collection. XXXX  shows one account number while XXXX show a different number for the same alleged debt. That is a material inconsistency and a XXXX XXXX problem ( account identifier must match across CRAs ). I requested validation over 30 days ago and now going into the third month. I have not received any validationonly automated responses and copies of my credit report. That is not verification and not FDCPA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer credit report disputesfailing to properly investigate or verify disputed information as required by law. This public action validates my ongoing concern that my prior disputes may not have been handled with the due diligence and accuracy mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( 15 U.S.C. 1681i ), which requires reasonable and thorough reinvestigation of disputed information. 
While the lawsuit specifically names Experian, it underscores a systemic problem among all credit bureaus in handling consumer disputes without due care. For this reason, I am requesting that you conduct a thorough, lawful reinvestigation of the unverified and inaccurate items on my credit report across the XXXX bureaus.

Company response to consumer: Closed with explanation