vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C.

- 1681i ), regarding the unlawful reporting of multiple accounts that have NOT been legally verified. 
The following accounts are being reported on my credit profile without any original contract, billing history, or documented verification as required by federal law : - 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  I have already submitted disputes and formally requested : 1. A copy of the original signed contract.

2. Full billing or loan statements.

3. Proof of direct verification from the furnisher.

4. Chain of custody documentation verifying how this data was processed and verified.

NONE of these were provided, which constitutes a direct violation of the FCRA. These accounts are inaccurate, unverified, and harmful.

I am demanding the CFPB to immediately investigate these violations and order the permanent deletion of all listed accounts from all credit reporting agencies.

If no resolution is reached, I will proceed with legal action under 15 U.S.C. - 1681n for willful noncompliance. 
Respectfully, 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 2025-06-05 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: NV

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2025-06-05 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: NV

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my Experian credit report, I discovered multiple addresses listed that are either outdated or entirely inaccurate. Specifically, the addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX and XXXXXXXX XXXX XXXX XXXX, NJ XXXX are former residences where I no longer live. For accuracy, privacy, and identity verification purposes, I request that these outdated addresses be removed. More concerning, however, are the addresses XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX which are completely false. I have never resided at either of these locations, nor do I have any connection to them. Their presence on my report is alarming and could be indicative of file mismerging or potential identity theft. My only and current address is : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NJ XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), Experian is required to maintain only accurate and up-to-date consumer information. Including addresses that are either obsolete or entirely unrelated to me is a violation of that obligation. I am formally requesting that all addresses be removed from my credit file except for my current address listed above. Please investigate, correct these inaccuracies, and ensure that my report reflects only verified and accurate personal information moving forward.

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 2025-06-05 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: NC

Complaint narrative:
I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly " Injurus '' to my credit report.

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The vehicle was repossessed in XXXX. I live in XXXX XXXX XXXX. I worked in XXXX Pa on XX/XX/year> my shift was from XXXX to XXXX. I drove to XXXX after that parked my car. The next morning I got a ride to XXXX at XXXX in the morning my vehicle was gone. I called the XXXX XXXX police and they stated I had to report the car missing in XXXX. I had to work that morning XX/XX/year> so I got a ride to work then called capital one several times they said it was not repossessed. After at XXXX I called again and was told it was repossessed. I also prior to that called my insurance company to report my car stolen because it was parked in XXXX. I asked capital for a contract stating that they are allowed to follow people and put tracking devices on vehicles. They told me they can not send it. I told them I can send proof I was at work both those days and never parked at home so either I was followed or its a tracking device on my vehicle. I am a XXXX XXXX so I have to document on patients and can prove my locations on both days. I never signed up for a tracker on my vehicle or to be followed by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: UPGRADE, INC.
State: GA

Complaint narrative:
I am filing a complaint against Upgrade ( through XXXXXXXX XXXX XXXX ) for denying my claim related to unauthorized transactions on my Upgrade XXXX credit card. I followed all appropriate steps to report the fraud, including filing a police report and notifying Upgrade as soon as I became aware of the issue. However, my claim was denied based on inaccurate and misleading reasoning, and I have been unable to speak with anyone from the dispute department despite multiple attempts. 

On XX/XX/year>, I received an email alert from Upgrade about suspicious activity on my account. Upon seeing the alert, I immediately contacted Upgrade to report the card as lost or stolen and to dispute the unauthorized charges. I also filed a police report, in which I stated that I believe I lost possession of my card on XX/XX/year>, while at a lounge in XXXX, Georgia. That police report was submitted to Upgrade and is attached to this CFPB complaint. 

On XX/XX/year>, I received an email from Upgrade informing me that my dispute had been denied. I immediately called to request a reopening of the dispute. During that call, I was told one of the reasons for denial was that I was aware of the cards absence on XX/XX/XXXX, which is incorrect and represents a complete misinterpretation of my statement. I clearly stated that I believed I lost the card on XX/XX/XXXX, but did not realize it was missing until I saw the fraud alert on XX/XX/XXXX, at which point I reported the card as lost and filed a dispute. 

The official reasons for denial listed in the email I received are : Previous history with the merchants. 
Account activity does not align with usual fraud patterns. 
No aggressive activity on the card after it was blocked. 

These reasons are either false or unreasonably vague : I have never done business with the merchants where the unauthorized charges occurred. 
The usual fraud patterns and aggressive activity references are subjective and ambiguous, with no clear criteria or explanation.

This experience gives the impression that Upgrade is not acting in good faith and is actively trying to avoid honoring consumer protections they claim to offer with their credit card. The process has been opaque and one-sided, and despite repeated efforts, I have been unable to reach anyone from their dispute department directly. My emails have gone unanswered, and I was told my dispute will not be reopened even with additional evidence.

I believe Upgrade is unfairly denying fraud claims, harming customers credit and finances while marketing themselves as offering secure and protected financial products. I am now being held responsible for fraudulent charges on a card that was no longer in my possession, and it feels like I am being punished for reporting the incident properly and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-05 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 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 2025-06-05 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:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I have inaccurate information on my credit report, please investigate removing that information from my credit report.

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 2025-06-05 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: NJ

Complaint narrative:
I have inaccurate information on my credit report, please investigate removing that information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information app
earing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-05 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
my credit report has information that is not mines Ive reached out to the original companies listed on my report. Inquiry Type : Bank Credit Cards XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards ( XXXX ) XXXX Dispute XXXX XXXX Inquiry Date Removal Date XXXX XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX ) XXXX Dispute Inquiry Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
my credit report has information that is not mines Ive reached out to the original companies listed on my report. Inquiry Type : Bank Credit Cards XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards ( XXXX ) XXXX Dispute XXXX XXXX Inquiry Date Removal Date XXXX XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit XXXX XXXX XXXX ) XXXX Dispute Inquiry Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY

Company response to consumer: Closed with non-monetary relief