vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
I am filing a complaint regarding a discrepancy in how my loan account has been managed, which has resulted in an unfair late payment mark on my credit report for Loan ID : XXXX. 

On XX/XX/XXXX, I submitted my payment before the XXXX mark. However, due to unclear billing practices, I was unaware of the exact total balance due and proceeded with my usual payment of {$370.00}, the amount I had been paying in previous months without issue. 

Since XX/XX/XXXX, my payment history shows inconsistencies in how late fees and due dates have been applied : In XXXX and XX/XX/XXXX, I was not charged a late fee. 
In XX/XX/XXXX, I made a late payment but was not marked 30 days past due. 
In XX/XX/XXXX, my account was moved to collections over an unexpected balance of $ XXXX amount I was unaware of due to unclear billing practices. 
Additionally, despite Upstarts apparent seven-day processing or clearing time for payments, I have always been credited on the last day when making my payments. It is my belief that because my XX/XX/XXXX, payment was short the late fee, Upstart is now penalizing me. Supervisor XXXX even agreed to submit a request to have the late fee waived, reinforcing that this issue stems from administrative inconsistencies rather than negligence on my part. 

Furthermore, Upstart seemingly changed internal processes without notifying customers in writing. This lack of transparency has directly contributed to the mismanagement of my account and the resulting inaccurate late payment mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-19 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 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: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am disputing inaccurate and damaging information being reported on my credit report by Aidvantage. A retroactive forbearance was applied to my student loan account on XX/XX/year>2024, yet late payments and delinquency notices were still reported to the credit bureaus after that date. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it is inaccurate to report delinquencies during a forbearance period. I have documents from my loan servicer that show the forbearance was in effect while they were still issuing delinquency notices and damaging my credit score. These late payments should not have been reported.

Additionally, I believe this reporting also violates the Family Educational Rights and Privacy Act ( FERPA ), as this is a student loan tied to my education records and I did not authorize the third-party sharing of this information in this manner. 

I have attempted to fix this issue by contacting the loan servicer and preparing dispute letters for all three credit bureaus and the servicer. I also requested verification and clarification of why these delinquencies were reported post-forbearance and received no helpful response. I am requesting that the CFPB require the loan servicer to remove all negative reporting from this account and update the credit bureaus to reflect accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint against Experian concerning their handling of my credit report and the associated collection accounts from XXXX ( Account Numbers : XXXX and XXXX ). 

I have requested validation from the collection agency regarding these debts, specifically asking for proof that I owe the debt, the original creditor 's right to collect the debt, and verification that these accounts are indeed mine. Despite my multiple requests, including a demand for validation sent on XX/XX/XXXX, I have not received any response or documentation proving the validity of these debts. 

Details of the accounts are as follows : XXXX. XXXX Account XXXX - Account Number : XXXX - Original Creditor : XXXX - Account Type : Utility - Date Opened : XX/XX/XXXX - Status : Closed - XXXX  account, {$610.00} past due as of XX/XX/XXXX - Last Updated : XX/XX/XXXX XXXX. XXXX Account XXXX - Account Number : XXXX - Original Creditor : XXXX - Account Type : XXXX  - Date Opened : XX/XX/XXXX - Status : Closed - Collection account, {$620.00} past due as of XX/XX/XXXX - Last Updated : XX/XX/XXXX Experian has reported these accounts on my credit report without adequate validation or my consent, despite my disputing them. I believe that their actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), as I have not been provided with sufficient proof of the debts or my obligation to pay them. 

I request that Experian take immediate action to correct my credit report by removing these unverifiable accounts and providing me with the requested validation of the debts. I would appreciate a prompt response to this complaint. 

Thank you for your attention to this matter.

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 2025-03-19 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: GA

Complaint narrative:
I am submitting this formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and permanent deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft. My personal information was compromised due to a data breach, leading to unauthorized activity that does not reflect my credit history or consent. Specifically, multiple accounts were fraudulently opened in my name, including those with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, unauthorized hard inquiries were made by XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX In compliance with the Fair Credit Reporting Act, I formally request that all fraudulent items be removed within four business days of receiving this dispute, as mandated by law. I have enclosed supporting documentation, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( XXXX ), and my consumer credit report highlighting the fraudulent items. Additionally, I request written confirmation detailing the removal of these inaccurate accounts, and inquiries. I appreciate your immediate attention to resolving this matter and expect a timely response as required under the FCRA. If further information is needed, I can be reached via email or phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received an email from PayPal ( which I do not use ) indicating that I owe money for a shipment. See copied message below : Sale Order date : Tuesday, XXXX XX/XX/year> Sale Order No : # XXXX Your Order Has Been Shipped Greetings!, Your recent Sale Order from XXXX XXXX, XXXX is on its way. You can track your package by using XXXX on the PayPal Website or clicking this PayPal. 

Sale Order details : Sale Order : Terra ( XXXX ) Quantity : XXXX Client : Client email : Paid : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I PAID THIS ACCOUNT ON XXXX XX/XX/year> BUT IT IS STILL SHOWING AS PENDING. I WOULD APPRECIATE IT IF THE INFORMATION COULD BE UPDATED CORRECTLY IN THE SYSTEM. IN THIS DISPUTE, I WILL ALSO SUBMIT THE NECESSARY DOCUMENTATION TO VERIFY THE PAYMENT.

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 2025-03-19 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: PA

Complaint narrative:
I PAID THIS ACCOUNT ON XXXX XX/XX/year> BUT IT IS STILL SHOWING AS PENDING. I WOULD APPRECIATE IT IF THE INFORMATION COULD BE UPDATED CORRECTLY IN THE SYSTEM. IN THIS DISPUTE, I WILL ALSO SUBMIT THE NECESSARY DOCUMENTATION TO VERIFY THE PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a credit card holder with Wells Fargo for XXXX  years. For XXXX years Ive never had to call or use my card to keep it open. I retain that card as an emergency resource, so why use it if its not an emergency ( stays locked in my safe ). I did call once to keep the card open but apparently its an annual thing. It would be as big of a deal, but a XXXX  year credit card getting closed resulted in my losing XXXX points on my credit score. This process is not transparent and for me borderlines unethical. I called to seek resolution but the company could care less about keeping the customer base.

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 2025-03-19 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: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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