vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upstart Holdings, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding an inaccurate late payment reported by Upstart due to a system failure on their online payment portal. 

On XX/XX/year>, I attempted to make my monthly payment through Upstarts online portal before the due date. The website did not allow me to submit the payment the payment button was unavailable, and the system would not process the transaction. Because of this technical issue, I was forced to wait until the next day, XX/XX/XXXX, to complete the payment. Upstart then reported the payment as late. 

I immediately contacted Upstart to explain the situation. Their representative told me they can not do anything, and advised me to dispute it with the credit bureaus. I disputed, but the item was verified even though Upstart never addressed the website malfunction. 

This late payment was caused entirely by Upstarts technical failure, not by any negligence on my part. 

Additionally, I want to emphasize that I have never missed a payment with Upstart in over four years. I have consistently paid on time, and this issue only happened because their online system failed on the day I attempted to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NV

Complaint narrative:
Hello, I recently noticed that the XXXX accounts with XXXX XXXX  have reappeared on my consumer report as " written-off '' and these accounts are still in error because they do not belong 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 2025-11-23 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: MD

Complaint narrative:
After disputing, Transunion continues to report accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents with each account listed.

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 2025-11-23 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: FL

Complaint narrative:
Hard inquiries that appear on my credit report and that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681b, a data provider or credit reporting agency may only obtain or provide a credit report if there is a permissible purpose authorized by law.

15 U.S.C. 1681b ( f ) specifically states that no person may obtain a credit report without a permitted purpose. Since I did not apply for credit with any of these entities nor provide any consent, these inquiries constitute unauthorized access to my credit information. 

The following unauthorized inquiries must be removed immediately : XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 I am exercising my right under 15 U.S.C. 1681i to request an immediate investigation, as these inquiries did not have a permissible purpose for reviewing my credit report. I request that the credit bureaus involved conduct the appropriate investigation and immediately remove these inquiries from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
got car from XXXX XXXX XXXX in XX/XX/XXXX problems ever since, took car home needed repaires next day, repaired 6 times with no reciepts of work done, The motor is not the original XXXX mechanic says was replaced for XXXX XXXX .alot of elecrical amd mechanical issues since purchase, no oil when recieved offered to bring back for this which we should not have to do. XXXX XXXX of dollars out of pocket to keep car running, no warrenty of course, we felt rushed to purchase this car had XXXX down payment for this need a settlement amount or erased off mt credit asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am XXXX and I can not manage accounts or speak for myself. The phone account was never created by me at all. My sister was the one who tried to help me by setting everything up in her name. She contacted XXXX to fix the balance and keep the account from being sent anywhere else. Even after she explained my condition, the account still got pushed to Jefferson Systems without any permission from either one of us. I never agreed for my information to be shared. I never spoke to anyone. I keep receiving letters from this company about something I never opened and never approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime back with held money from the last lawsuit you guys said they had to pay us they never paid me n then again this year the department of transitional of XXXX XXXX XXXX  use to pay me up front these people would hold it saying they never received it I had to complain to the supervisor they admit the made mistake couple times I mean if they didnt learn from the first time n I never received nothing thats why I dont use them for the direct deposit no more as well. They promised me.pay me upfront then to state Massachusetts residence was not qualified for it. When other states was theres a violation of constitutional laws under the fair act. I need these people held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
My Cashapp account was wrongly closed. At no point did I violate their terms of service, as I rarely used their service to begin with. No reason was ever given, appeal has been unsuccessful. I am currently in a position where having access to said cash app account would make the difference between being able to feed myself or being without assistance entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I request removal of my 30-day late payment due to documented economic hardship. Because this is a XXXX XXXX XXXX serviced by XXXX, the refusal to offer or process required hardship relief may violate 34 C.F.R. 682.211 and 685.205, which mandate that servicers provide and process economic-hardship forbearances and deferments. Failure to apply eligible relief results in inaccurate or incomplete reporting under 15 U.S.C. 1681s-2 ( FCRA ). In addition, servicers must correct any delinquency caused by administrative omission under 34 C.F.R. 682.208 ( f ). The denial of assistance and lack of hardship accommodation may also constitute an unfair practice under 12 U.S.C. 5531 ( Dodd-Frank, UDAAP ). I respectfully request correction of the reporting and removal of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I pay XXXX each month. paid in XXXX mos so far and was told the first year would be front ended to repay. after I'd see the principal balance come down. From the new balance given to me as a payoff, it seems I only have made XXXX payment towards principal thus far and interest going to the company have been XXXX in those XXXX mos. I called and was told by the rep that he can't see that breakdown on his end to give it to me and that he'd speak to his manager to give me a call back. This has not happened. I had faith that I'd be given proper information. I feel that the fixed income monthly formula is appropriate BUT that it is to mask where the amount resulting from this goes and why. I have not gotten response and a proper explanation for this. I sent the letter they provided me with when I asked for the breakdown. It was a pay off letter and the latest statement that does not list anything but vague explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
Experian, Equifax and Transunion are reporting a Bankruptcy on my credit report. I have requested several times that it be removed because it is illegally being reported. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies must ensure maximum possible accuracy : 15 U.S.C. 1681e ( b ) : Duty to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to reinvestigate disputed information.

15 U.S.C. 1681c : Requirements relating to information excluded from consumer reports.

If you are reporting bankruptcy information, you must verify it directly with the federal court. However, bankruptcy courts do NOT furnish data to credit bureaus. Reporting unverified information violates : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If you can not provide : 1. The name of the person who verified the bankruptcy, 2. The method used to verify it, 3. Copies of the verification documents, then the item must be deleted immediately. 

Please complete your reinvestigation within the time allowed by law. If this item is not removed, I will take further action. 

Sincerely, 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I asked them for a copy of the assignment, purchase agreement or contract that authorizes them to collect on this account. They never responded after 30 Days to validate this debt but added a new account to my credit report violating my rights and adding a new start date I now have 2 accounts on my credit report for the same debt and this is hurting me. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
This account added force-placed insurance and changed my payment, even though Ive had full coverage throughout the loan and provided the policy declaration. They tried to fix the amount, but in the process, they repossessed the car. This account should be voided and removed from my credit report. This is the only loan Ive had an issue with. I havent been late on any other loans, yet they repossessed the vehicle FOR over {$400.00} without giving me any notice. I never received any notification or certified mail about the repossession. There are many inaccuracies, and they mark my credit report as a repo every month when it should have been reported just once. There are also many errors they could prove to me. A month later I opened XXXX additional loans and have not been late once with either loan. I have included the document I sent to 1st National Bank. to your agency. They even knew that they should alter my loan and added their insurance when I already had full coverage insurance. By law they need the insurance just to even sell the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
XXXX is reporting late payments in XXXX even though my XXXX XXXX loan is in deferment until XXXX. No payments were due during these months, and reporting delinquencies during an active deferment violates federal student loan regulations and FCRA 623 ( a ). I am requesting correction of the account status and removal of all late-payment 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 2025-11-23 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: CA

Complaint narrative:
XXXX is reporting late payments in XXXX even though my XXXX XXXX  loan is in deferment until XXXX. No payments were due during these months, and reporting delinquencies during an active deferment violates XXXX XXXX loan regulations and FCRA 623 ( a ). I am requesting correction of the account status and removal of all late-payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
XXXX is reporting late payments in XXXX even though my XXXX XXXX  loan is in deferment until XXXX. No payments were due during these months, and reporting delinquencies during an active deferment violates XXXX XXXX  loan regulations and FCRA 623 ( a ). I am requesting correction of the account status and removal of all late-payment 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
Subject : Illegal Re-Aging, False Creditor Reporting, and Inaccurate Late Payment Reporting ( Conns/ Jefferson Capital & XXXX  ) I am filing a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Jefferson Capital ( regarding a Conns account ) and XXXX. 



1. Conns / Jefferson Capital Illegal Re-Aging & False Creditor Reporting This debt is being reported inaccurately across all three credit bureaus : XXXX  reports : Last payment date : XX/XX/XXXX Balance : {$4800.00} Original creditor : Conns ( correct ) XXXX & XXXX  report : Jefferson Capital listed as the original creditor ( false ) A date opened and last activity in XXXX, which is impossible A delinquency timeline that conflicts with XXXX  Reporting that makes the debt appear NEW even though the DOFD was in XXXX These issues violate : FCRA 607 ( b ) Maximum possible accuracy FCRA 605 ( a ) Reporting beyond 7-year limit FCRA 623 ( a ) ( 1 ) ( A ) False furnishing FDCPA 807 ( 2 ) ( A ) Misrepresenting the character and origin of a debt Since the Date of First Delinquency is XXXX, this account is too old to report and should have already been removed. 
Jefferson Capitals reporting constitutes illegal re-aging. 

I am requesting full deletion of this account from all credit bureaus and investigation into Jefferson Capitals reporting practices. 






XXXX. XXXX Inaccurate Late Payment Reporting Across Bureaus XXXX is reporting late payments inconsistently across the credit bureaus : XXXX  reports : Last payment : XX/XX/XXXX XXXX days late XXXX missed payments XXXX reports : Last payment : XX/XX/XXXX XXXX days late XXXX missed payments The same account can not legally have different : Last payment dates Numbers of late payments Delinquency timelines This violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate furnishing FCRA 611 Duty to investigate accurate disputes Because the bureaus are reporting conflicting and unverifiable data, the late payments ( or entire account ) must be corrected or deleted. 

I am requesting : XXXX. Full investigation into XXXX inconsistent reporting. 
XXXX. Deletion of the inaccurate late payment information, or deletion of the entire account if accurate verification can not be provided. 



XXXX. Requested Action I am asking the CFPB to : Review the illegal re-aging and false original creditor labeling by Jefferson Capital Require the removal of the Conns/Jefferson Capital account due to being beyond the 7-year reporting period Investigate XXXX  inconsistent and inaccurate delinquency reporting Require all inaccurate and unverifiable information to be deleted from all credit bureaus Thank you for reviewing my complaint and assisting in resolving these reporting violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Klarna AB
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TN

Complaint narrative:
XXXX, XXXX, and XX/XX/year> disputed the account both times come back verified and was denied. The last time I sent information from the company that shows the account information tied to an address that is not mine. I also provided copies of my XXXX, and XXXX  reports that show no collections.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In early XX/XX/year>2025, I disputed several accounts with a nationwide credit reporting agency because the report contained false late payments and incorrect charge-off entries that did not match my actual payment history. These inaccuracies were causing significant harm to my credit standing. 

On XXXX XXXX, 2025, I submitted formal disputes and requested a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), including the required procedural description and documentation supporting the reported information. 

On XXXX  XXXXXXXX 2025, the agency marked all accounts as verified, yet provided zero  documentation showing how the information was verified. No payment history, charge-off records, billing statements, or furnisher evidence was provideddespite my explicit request. The agency also failed to supply the procedural description required by 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The reinvestigation conducted by the agency was not reasonable as required under federal law. Based on the absence of documentation and the speed at which the items were marked verified, it appears the agency relied solely on automated e-OSCAR responses, which courts have repeatedly ruled do not constitute a legally compliant reinvestigation ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX & XXXX ) XXXX This constitutes a sham investigation, and it violates the FCRAs accuracy standards under 1681e ( b ) and reinvestigation standards under 1681i ( a ). 

Despite clear evidence of reporting errors and contradictory information ( such as charge-offs listed alongside open balances and active past-due amounts ), the agency continues to report false negative information. Because the agency failed to verify the information with actual documentation, the disputed entries should have been deleted under 1681i ( a ) ( 5 ) ( A ). Instead, the agency left inaccurate and harmful information on my credit file without justification. 

The failure to conduct a lawful reinvestigation, combined with the failure to provide the required procedural description, indicates willful or negligent noncompliance with the FCRA under 1681n and 1681o. These violations have caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting CFPB assistance to compel the credit reporting agency to : Conduct an actual, reasonable investigation in compliance with the FCRA ; Provide the statutory procedural description and verification documentation ; and Remove all information that can not be substantiated with legitimate evidence. 

I have attempted to resolve this directly, but the credit reporting agency has refused to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief