vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I recently contacted XXXX envy funding because they had purchased a debt that was not mine. Upon speaking with the original creditor, they could not verify address name or phone number that was correct. It was then deleted from my credit and upon checking this morning and reinserted without notice. LVNV Funding improperly reinserted a collection account on my XXXX  credit report after it had already been deleted onXX/XX/XXXX. 

Under FCRA 611 ( a ) ( 5 ) ( B ), Experian is required to send a written notice within 5 business days of a reinsertion and must obtain certification from the furnisher before allowing it.

I received no reinsertion notice, and LVNV has provided no documentation certifying the accuracy of this debt.

I am requesting immediate deletion of this account as it was reinserted illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: SC

Complaint narrative:
Over the past two months, I have been dealing with an extremely stressful and ongoing situation related to my Upgrade/Uplift loan and how it has been reported to the credit bureaus. This situation has severely impacted my credit, caused emotional distress, and created financial setbacks that I should not be experiencing.

Despite multiple phone calls, emails, and formal disputes, Upgrade has continued to provide inconsistent and contradictory reporting to the credit bureaus.

I also discovered that with the credit bureaus, XXXX  specifically is reporting the exact same charge-off account TWICE, which is inaccurate, misleading, and severely damaging my score. This duplicate reporting has triggered multiple drops across all bureaus ( including XXXX and XXXX point drops ). Even while I was actively disputing the errors, Upgrade continued updating/account changes that made things worse.

Every time I attempted to get clarity or documentation from Upgrade/Uplift, I received incomplete information, evasive responses, or no helpful resolution. I specifically requested validation, correction of inaccurate data, and an investigation into why different bureaus are receiving different information. Upgrade has NOT provided the information I requested, nor have they corrected the errors despite repeated contact.

They repeatedly directed me to XXXX and could not provide a bill of sale, transfer agreement, or statement proving current ownership. The only documents they sent were loan origination disclosures, which do NOT verify current ownership or the legal right to report a balance under FCRA 623 ( a ) ( 2 ). They have not provided, A bill of sale, The date of transfer, Who the new owner is, Any documentation showing they retained ownership or Any proof they have the right to report a balance. Because Uplift can not prove they own this account, the balance and reporting are inaccurate and must be deleted.

This ongoing issue has left me overwhelmed, frustrated, and emotionally drained. I have worked extremely hard to rebuild my credit, reaching the good range, only for these reporting errors and mishandling to undo my progress. I am requesting full review and immediate intervention because this situation has become unbearable and is now preventing me from moving forward financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

OR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following items are fraudulent 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 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 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 2025-11-24 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: FL

Complaint narrative:
The following items are fraudulent 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I discovered that two negative accounts are being reported inaccurately and without proper verification from the companies involved. One creditor is reporting several years of late payments and a chargeoff, yet the account history contains long periods of missing information, inconsistent delinquency reporting, and no data entries that make the timeline unreliable. I never received the required billing statements or delinquency notices to support the late-payment sequence or the chargeoff itself. Another creditor is reporting a 30-day late payment, but the surrounding months show inconsistencies and missing records, raising doubts about the accuracy of that delinquency. These companies have not provided complete or verifiable documentation to validate the negative information they are furnishing, and this inaccurate reporting has negatively affected my credit profile.

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 2025-11-24 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: TX

Complaint narrative:
The following items are fraudulent : 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 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 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I made a purchase for a laptop through XXXX in XX/XX/XXXX. In late XXXX early XX/XX/XXXX I started having display issues with the laptop. I first contacted XXXX, who has no way of reaching them via phone and refuses to get on the phone to do technical support help, hoping that I would be able to use my warranty to replace the laptop as I was using it for school. In my initial email I sent imagery and video to XXXX. I was immediately advised just to send the laptop back instead of having any conversation about whether this would be covered by warranty or what the issue with the device could have been. It was later told to me by another XXXX member ( because you reached a different person every time you email them ) that the screen issues voided my warranty, and that I never should have sent the laptop back to them. I advised them to mail the laptop back to me and that I would be opening a dispute with my bank. I never received the laptop back from them. not only that, XXXX accused me of breaking the laptop myself with no proof. The laptop was never so much as dropped. What seems more likely to me, is that I was sold a shotty refurbished device. WELLS FARGO initially accepted my claim and gave me provisional credits, after XXXX month and XXXX  days they took back the $ XXXX in provisional claims. They then told me that this was standard because the purchase dates were too old. This was not disclosed when I opened the claim despite being told this is standard.

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 2025-11-24 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 not associated with these accounts and request that they be taken off my credit file within 15 days per the FCRA.

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 2025-11-24 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX and White served me paperwork stating they were suing me in court from a XXXX  XXXX credit card. I contacted them after receiving the suit paperwork and worked out an agreement on XX/XX/XXXX stating that I would repay the balance of the credit card at {$50.00} per week, every Friday starting XX/XX/XXXX. They then attempted to withdraw the {$50.00} from my bank account on Monday, XX/XX/XXXX. I call and spoke with them and stated that was not the agreement and they had attempted to withdraw this amount, and it was not the original agreed date. They assured me it was an error, it was set for every Monday, and they would fix it. I was then sent an email of an agreement by that stated they would refund the {$50.00} withdraw and the agreement would start after the return for XX/XX/XXXX. I signed the agreement and sent it back via email. I logged into the account on XX/XX/XXXX and paid {$50.00} as per my agreement. 

On XX/XX/XXXX, I received in the mail that my part of the agreement was defaulted because the payment they attempted to withdraw on XX/XX/XXXX had been retuned. I responded to the text that I got stating that the agreement was for XX/XX/XXXX, and I had it on a recorded telephone conversation. I called them on XX/XX/XXXX, again recording the phone conversation, and they stated not to worry about anything I didn't receive any letters, which I did and still have and that the agreement is for XX/XX/XXXX for {$50.00} payment and they assured me nothing else would be withdrawn from the account. This morning, XX/XX/XXXX, I received a notification from my bank for an attempted withdraw of {$50.00} again from Scott XXXX XXXX. They have given me the run around, and I am not denying the debit is owed. However, they have made me sign judgements, and other agreements all stating beginning on XX/XX/XXXX and I believe them attempting to take the money from my account before the agreement even started was fraudulent and not in good faith, and the attempt to take it again is now at this point dishonest. I have the phone recordings, original agreement and bank screenshots of all dishonest transactions and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
What happened : I disputed a {$1400.00} charge from XXXX XXXX XXXX for a hotel booking. I canceled the reservation, and the merchant refused to issue a refund. I provided documentation showing the cancellation and that no services were received. The bank issued a temporary credit but kept reversing the credit every 60 days without resolving the case.

Goldman Sachs did not complete the investigation properly and did not provide a meaningful explanation for the repeated reversals. They relied only on the merchants unverified responses, even though the merchant is known for non-delivery, misleading terms, and unresolved fraud complaints.

Why this is a problem : Goldman Sachs violated Regulation Z by : Failing to complete the investigation within the required timeline Reversing provisional credits without a clear written explanation Ignoring evidence showing that the service was not provided Not conducting a good-faith investigation Relying solely on unreliable merchant statements I am being charged for a service that I canceled and did not receive.

What I want : I am requesting : A full and permanent refund of {$1400.00} Correct handling under Regulation Z A written explanation of why the dispute was repeatedly recycled without resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the following accounts due to inaccurate and conflicting reporting. 

Charged Off Accounts XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$80.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payments XXXX XXXX Acct : XXXXXXXX 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover reported a XXXX  inquiry tied to an account they closed in XX/XX/year>. I was never notified of any issue, fees, or intent to close the account. The information reported appears incomplete and inaccurate. The address listed on my XXXX  file is Discovers address, not mine, and the inquiry does not match the identifying information I provided when opening the account. I requested verification under FCRA, but Discover and XXXX  have not provided original documentation proving the accuracy or permissible purpose of this inquiry. I am requesting full investigation and removal of the inaccurate entry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation