vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: WI

Complaint narrative:
In early 2025, I experienced a layoff and notified Upstart that I would be unable to keep up with my loan payments due to financial hardship. I requested a long-term, income-based hardship plan or loan modification that would reduce my monthly payments to an affordable level based on my new income. 

Upstart initially provided a short-term option for both loans : they reduced my monthly payments by 75 % for XXXX months, then expected me to resume full payments in XXXX. On XX/XX/year>, I called to let them know I had still not found a job and asked to extend the reduced payments. I was told they could not assist me further because I was already in a modified loan. They directed me to reapply for hardship again through the online portal when the next payment was due. 

As instructed, I reapplied through the portal. My only options were either to waive XXXX month of payment or make XXXX higher monthly payments with added interest. I chose to waive both loans because I did not have any money to cover them. 

On XX/XX/XXXX, I called again when XXXX of my XXXX loans became due. I asked for a long-term financial assistance plan and was again told to use the hardship portal or the grace period to delay payment. On XX/XX/XXXX, I reapplied through the portal and was offered the following for XXXX of my loans : waive the XXXX payment but pay an additional {$540.00} in interest and accept a {$38.00} increase to my monthly payments for XXXX months or make XXXX monthly payments of $ XXXX with the same added interest. With no affordable option, I was forced to choose the waiver. 

On XX/XX/year>, I contacted Upstart again to request a permanent, income-based solution. They refused to negotiate, sending a generic response suggesting I use the dashboard tools, split my payments, or rely on the grace period. These are not viable solutions when my total monthly obligation across both loans is over {$1300.00} more than my current post-layoff income. 

I felt coerced into accepting revised terms just to avoid default. Upstart has not offered meaningful, sustainable relief despite repeated communication. I believe this treatment is unfair and predatory, especially given my documented hardship. 

I am requesting a formal investigation into Upstarts hardship and loan modification practices to determine whether they comply with fair lending and consumer protection standards. My fear is that on XX/XX/XXXX, when my second and much larger loan becomes due, they will apply the same unaffordable options, making it even more impossible for me to repay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Accurately Report and Verify Credit File Information FCRA Noncompliance I, XXXX XXXX, am filing this complaint regarding the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). After retrieving my credit file from XXXX, I identified several items that are inaccurate and/or unverifiable. Despite submitting all required identification and dispute documentation through an authorized third party, the agency has not properly reinvestigated or corrected the items in question. 

This submission serves as a formal dispute, a request for full file disclosure, and a demand for the method of verification, as required under the following federal statutes : 15 U.S.C. 1681i ( a ) Right to a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) Right to method of verification ; 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; 15 U.S.C. 1681g Right to a complete consumer file disclosure.

Disputed Accounts : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines either contain inaccurate information or can not be verified. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be promptly deleted.

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 2025-07-04 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:
Complainant : XXXX XXXX Subject : Failure to Accurately Report and Verify Credit File Information FCRA Noncompliance I, XXXX XXXX, am filing this complaint regarding the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). After retrieving my credit file from XXXX, I identified several items that are inaccurate and/or unverifiable. Despite submitting all required identification and dispute documentation through an authorized third party, the agency has not properly reinvestigated or corrected the items in question. 

This submission serves as a formal dispute, a request for full file disclosure, and a demand for the method of verification, as required under the following federal statutes : 15 U.S.C. 1681i ( a ) Right to a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) Right to method of verification ; 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; 15 U.S.C. 1681g Right to a complete consumer file disclosure.

Disputed Accounts : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines either contain inaccurate information or can not be verified. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be promptly deleted.

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 2025-07-04 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NY

Complaint narrative:
I need someone from cash app to email me to assist me in appealing my account. My current and phone number does not allow me access on cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I am filing this complaint as a victim of identity theft, directly tied to the XXXX  data breach, which resulted in the exposure of my sensitive personal information and led to fraudulent accounts, addresses, and inquiries appearing on my credit report. 

Despite submitting an official FTC Identity Theft Report ( # XXXX ) along with my government-issued ID, and Social Security card , the credit bureaus have continued to report false and fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Failure to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) Failure to block fraudulent information after receiving proof of identity theft per FCRA 605B ( 15 U.S.C. 1681c-2 ) Continued furnishing and reporting of disputed, inaccurate information under FCRA 623 ( 15 U.S.C. 1681s-2 ) Im trying to resolve this, and the bureaus continue to violate my rights. This complaint is being filed so you can intervene and hold them accountable.

Attached is my FTC Identity Theft Report, signed under penalty of perjury. 

Thank you for your assistance.

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 2025-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
I have a history of XXXX XXXX ( XXXX  in XXXX XXXX XXXX XXXXXXXX performed in late XXXX, from which I experience ongoing pain and effects that have resulted in a couple of near-XXXX  in the years since, but the pain from which closely mimics the pain I had early in XXXX from my XXXX before I was XXXX  ). In XXXX or XXXX, I was experiencing many weeks of an episode of this pain and XXXX. My XXXX  office ordered a XXXX XXXX XXXX as they were worried the pain and XXXX  might indicate a return of the XXXX. My XXXX  pre-auth submission to my insurance company ( XXXX New Mexico, through my employer, XXXX XXXX XXXX ) indicated that I should not owe anything. For a full year after the scan, I assumed everything was fine and that it had been covered - UNTIL in XXXX of XXXX  I received a bill for nearly {$7500.00} from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. They told me my insurance had declined to cover it because they were claiming I had other coverage, but at no point have I ever had other coverage. I was able to prove this to both the hospital and XXXX New Mexico. In spite of proving this, my appeals with XXXX  were all denied ( I went through XXXX full rounds of appeals ). The hospital then reassured me that if they could not get it covered, they would take responsibility and XXXX  out the debt. Unfortunately, that has not occurred - as a collections bill was sent to my old rental house address and then forwarded on to me at my new address ( XXXX XXXX ). A payment I made for another medical service had somehow been partially applied to the balance, as I was then double charged for that same partial balance to one of my credit cards. The amount that ended up being sent to collections is therefore just under {$7000.00}. XXXX XXXX XXXX XXXX XXXX and XXXX New Mexico have mismanaged this situation every step of the way for nearly two years now. I would like for XXXX and the collections agency to make this right by XXXX  out the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
I took out a parent plus loan for my son to attend XXXX XXXX XXXX and XXXX XXXX XXXX XXXX He completed XXXX year at XXXX then transferred to XXXX. I selected in school deferment during the parent plus loan application process. 
I started receiving bills from XXXX XXXX in XX/XX/XXXX even though my son was enrolled, living on campus at XXXX and has completed his XXXX semester and had started his XXXX semester. 
I contaced XXXX XXXX to inform them and offered supporting evidence, they declined stating his school would/should provide evidence. XXXX assured me they had. In XX/XX/XXXX I received credit alerts of missed payments. I've spent countless hours on the phone with XXXX XXXX and Transunion. My credit score went down from a XXXX to XXXX for XXXX days of missed payments. The parent plus loans were in a inschool deferment and no payments were due yet. Please help, Overwhelmed and defeated Sincerely, 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 2025-07-04 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:
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