vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I was enrolled in Upstart 's California XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/year> ). 

Upstart sent me written notice on XX/XX/year> stating : " If your account becomes delinquent during the relief period, it will not be reported negatively to the credit reporting agencies. '' Despite this written promise, Upstart : - Sent collection threats during the relief period ( XX/XX/year> ) - Reported my accounts as late during/after the relief period ( XX/XX/year> ) - Charged off my {$38000.00} loan after improperly counting relief months ( XX/XX/year> ) In XX/XX/year>, Upstart 's own credit reporting marked my account as " Affected By Natural or Declared Disaster '' - proving they acknowledged I was in disaster relief - then reported me late anyway. 

I am a California wildfire victim who was promised credit protection during disaster relief. Upstart violated their own written promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, inconsistencies, and potentially unlawful reporting practices by the XXXX major credit bureausEquifax, Experian, and TransUnionas well as their furnishers, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. account XXXXXXXX XXXX XXXX XXXX. Across my credit reports, XXXX XXXX reports a balance of {$330.00} on all three bureaus, but the date of first delinquency and charge-off status appear inaccurate or incomplete, violating FCRA 605 ( a ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( A ), and I am exercising my right under FCRA 611 to dispute this information. XXXX  XXXX XXXX accounts report a {$0.00} balance, but identifiers and account history are inconsistent across TransUnion and Equifax, which may constitute inaccurate or obsolete reporting under FCRA 605 ( a ), 611, and 623 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX XXXX XXXX  collection account XXXX * * * reports a balance of {$1000.00} that may be inaccurate, misleading, or unverifiable, potentially violating FDCPA 807, 808, and 809, as well as FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), and 611. These discrepancies compromise my creditworthiness, expose me to unfair practices, and constitute violations of my rights under federal law, including my right to dispute inaccurate information, request debt validation, and receive full disclosure under FCRA 609 ( a ) ( 1 ). I have already requested verification and correction from the credit bureaus, but these issues remain unresolved, causing ongoing financial harm and stress.

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 2025-11-25 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I enrolled in a debt relief program with XXXX XXXX XXXX ( processed through XXXX ). The company settled only one of my debts, but they continued to withdraw significant funds from my Chase bank account beyond what was reasonable for the limited services performed. They then informed me that they would not work on any additional debts unless I paid them even more money upfront.

This violates the intent of the Federal Trade Commissions Telemarketing Sales Rule ( TSR ), which prohibits debt relief companies from collecting fees before they settle or reduce each debt. The company settled only one account but has collected far more money than the fees associated with a single settlement. They are now requiring additional payments before performing further services. This is deceptive and causes significant financial harm.

I disputed these charges with Chase because the company withheld services, demanded additional money before providing the next settlement, and misrepresented the cost and structure of their program. Chase initially credited my account but ultimately reversed the refund and denied my dispute, despite evidence that the company was not fulfilling their obligations in accordance with federal debt relief regulations.

I am requesting : 1. A full investigation into XXXX XXXX XXXX/ XXXX for deceptive billing practices.

2. A review of Chases denial of my dispute, as their decision did not take into account the TSR requirements for debt relief fees.

3. A refund of excess fees withdrawn that were not earned through actual settlements.

4. Protection from future unauthorized or deceptive withdrawals from this merchant.

I have also notified my attorney due to concerns that the companys practices may violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal 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 2025-11-25 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report.

These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-25 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: VA

Complaint narrative:
I was enrolled in XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/year> ). 

XXXX sent me written notice on XX/XX/year> stating : " If your account becomes delinquent during the relief period, it will not be reported negatively to the credit reporting agencies. '' Despite this written promise, XXXX  : - Sent collection threats during the relief period ( XX/XX/year> ) - Reported my accounts as late during/after the relief period ( XX/XX/year> ) - Charged off my {$38000.00} loan after improperly counting relief months ( XX/XX/year> ) In XX/XX/year>, XXXX XXXX  own credit reporting marked my account as " Affected By Natural or Declared Disaster '' - proving they acknowledged I was in disaster relief - then reported me late anyway. 

I am a California wildfire victim who was promised credit protection during disaster relief. XXXX violated their own written promises.

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 2025-11-25 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: VA

Complaint narrative:
I was enrolled in XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/year> ). 

XXXX sent me written notice on XX/XX/year> stating : " If your account becomes delinquent during the relief period, it will not be reported negatively to the credit reporting agencies. '' Despite this written promise, XXXX  : - Sent collection threats during the relief period ( XX/XX/year> ) - Reported my accounts as late during/after the relief period ( XX/XX/year> ) - Charged off my {$38000.00} loan after improperly counting relief months ( XX/XX/year> ) In XX/XX/year>, XXXX XXXX own credit reporting marked my account as " Affected By Natural or Declared Disaster '' - proving they acknowledged I was in disaster relief - then reported me late anyway. 

I am a XXXX XXXX victim who was promised credit protection during disaster relief. XXXX violated their own written promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
My prepaid center is making it impossible to use the card so they can deplete the funds for fees. They will use other prepaid mastercard balances for fees on open cards with XXXX balances, which in turn constantly changes the balance, further making it impossible to use. If the card balance is less than the amount of the online total bill, you have to put in the exact amount to use as partial payment. It is a XXXX step process just to get into myprepaid center account, just to see balances. Which will change

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I've recently recevied a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I've recently recevied a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-25 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: AL

Complaint narrative:
b'I am submitting this letter as my first formal dispute regarding multiple inaccuracies appearing on my \nEquifax, TransUnion and Experian credit report. Upon careful review, I have identified several accounts and reporting entries \nthat are inaccurate, incomplete, or unverifiable. These errors include incorrect addresses, charged-off \naccounts, collections, and inquiries, all of which misrepresent my credit history. I am requesting a full \nreinvestigation and correction of each of these items under the Fair Credit Reporting Act (FCRA) \n607(b), 609(a), 611(a), and 623(a)(1)(A) to ensure that my credit report reflects only accurate, \ncomplete, and verifiable information.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXBalance Owed:XXXX XXXXBalance OwedXXXX XXXXBalance OwedXXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXXBalance Owed:XXXX XXXX XXXX XXXXBalance OwedXXXX

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this rebuttal because Allys response did NOT address the core issue. XXXX XXXX misrepresented several add-on products as required or helpful for financing approval, which led me to unknowingly finance {$8700.00} in extra products I did not want and did not knowingly consent to.

I received a partial refund before I understood my rights as a consumer and before learning that misrepresented or unauthorized add-on products must be refunded in full under the FTC Holder Rule, the Truth in Lending Act, and the Texas Deceptive Trade Practices Act.

Allys response did not address : 1. The misrepresentation at the dealership 2. The fact that the add-ons increased the financed amount from the advertised price of {$24000.00} to over {$32000.00} 3. The right to a full refund under state and federal law 4. The interest I overpaid on the inflated balance I am requesting a full recalculation of the principal balance, full refund for ALL misrepresented add-ons, and adjustment for interest paid on unauthorized charges. My complaint remains unresolved.

I am filing a new complaint because the matter with Ally Financial remains unresolved. XXXX XXXX misrepresented multiple aftermarket products ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, and additional protection packages ) as necessary or beneficial for financing approval.

I relied on these statements, which I later learned were false. Under the FTC Holder Rule ( 16 C.F.R. 433 ), I have the right to assert all claims and defenses against Ally as the holder of the retail installment contract.

The dealership refunded only a partial amount before I learned that misrepresented products must be refunded entirely under the Texas Finance Code 348, Texas Business & Commerce Code 17.46, and TILA. Ally refuses to adjust the principal balance or provide proper accounting.

The amount financed should have reflected the advertised price of {$24000.00} plus tax/fees minus my {$5000.00} down payment, not {$32000.00}. Ally is attempting to enforce a balance inflated through deceptive practices.

I am requesting : Full refund of ALL add-on products Correction of the principal balance Adjustment of interest already overpaid Updated amortization schedule Correction of credit reporting

Company response to consumer: Closed with explanation