vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
I have submitted multiple disputes to each of the XXXX credit bureaus. However, each response Ive received has only included a letter suggesting that I did not personally submit my disputes. I properly attached my identification documents as required on each bureaus website. This constitutes a violation of my rights under FCRA. 

Please review the attached dispute letters that I most recently sent to all three bureaus. I am requesting your assistance in promptly correcting these inaccurate entries on 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 2025-10-19 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: FL

Complaint narrative:
I have submitted multiple disputes to each of the XXXX credit bureaus. However, each response Ive received has only included a letter suggesting that I did not personally submit my disputes. I properly attached my identification documents as required on each bureaus website. This constitutes a violation of my rights under FCRA. 

Please review the attached dispute letters that I most recently sent to all three bureaus. I am requesting your assistance in promptly correcting these inaccurate entries on 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding UPSTART NETWORK INC.s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. UPSTART NETWORK INC. has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
UPSTART NETWORK INC. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

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 2025-10-19 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This account information is false and inaccurate. I have already filed a fraud and identity theft report with the FTC and provided this to Santander Consumer USA directly. Despite this, they have continued to report this account as charged off, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605B, which mandates that a furnisher must block and delete fraudulent or disputed information upon proper notification.

Santander Consumer USA has failed to take corrective action within the timeframe required by law. Therefore, I am requesting that the CFPB intervene immediately and require that Santander delete this account in its entirety from all credit reporting agencies to ensure compliance with the FCRA and to prevent further damage to my credit standing. 

Attached are copies of my FTC report confirmation, supporting documentation, and a copy of my credit report reflecting this inaccurate account. 

Thank you for your prompt assistance. I request confirmation once this matter has been reviewed and the account has been permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: DISCOVER BANK
State: GA

Complaint narrative:
I filed a dispute ( Case # XXXX ) regarding a {$120.00} charge from XXXX XXXX XXXX. 
The event I paid for never took place, and the merchant became unresponsive. 
I submitted multiple documents and evidence by fax, but Discover closed my dispute, claiming the transaction was valid. 

The merchants contact email is no longer active, and their automated response shows that the organizer can not be reached. No service was ever provided, and Discovers decision ignored the evidence I provided. 

I request that the CFPB review this case and require Discover Bank to reopen the dispute or issue a full refund under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
My name is 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orbita Asset Purchasing
State: NY

Complaint narrative:
XXXX line of credit account solve the tighten XXXX at purchasing. They are sending me a letter asking me to for payments to them for an unknown line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
Subject : CFPB Complaint - Block Fraudulent Info Due to Identity Theft ( FCRA XXXX ) You are unlawfully reporting fraudulent accounts from identity theft. Under FCRA XXXX, block all such info from my credit report within XXXX business days. 

Attached : FTC Identity Theft Report proving fraud in accounts, collections, and inquiries. 

Agencies failed prior disputes, ignored FCRA violations by furnishers, and my opt-out under 15 U.S.C. XXXX, perpetuating theft. FCRA preempts agreements. 

Block per XXXX ( a ) upon receiving : my ID proof, theft report, fraud info ID, and statement it's not mine. 

Notify furnishers ( XXXX ( b ) ). Liable for damages ( XXXX ). 

Delete unauthorized inquiries ( XXXX ( XXXX ) ). 

Violations enable aggravated ID theft ( XXXX XXXX. XXXX ) and breach FCRA accuracy ( XXXX ( a ) ( XXXX ), XXXX ). 

Provide updated report post-changes. Not requesting validation. 

Delete/block all fraud withinXX/XX/XXXX days. See attachments.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account remove all my accounts that dont belong to me, has violated my rights. 

I looked at my Experian credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedu

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 2025-10-20 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: LEXISNEXIS
State: NY

Complaint narrative:
Subject : CFPB Complaint - Block Fraudulent Info Due to Identity Theft ( FCRA XXXX ) You are unlawfully reporting fraudulent accounts from identity theft. Under FCRA XXXX, block all such info from my credit report within XXXX business days. 

Attached : FTC Identity Theft Report proving fraud in accounts, collections, and inquiries. 

Agencies failed prior disputes, ignored FCRA violations by furnishers, and my opt-out under 15 U.S.C. XXXX, perpetuating theft. FCRA preempts agreements. 

Block per XXXX ( a ) upon receiving : my ID proof, theft report, fraud info ID, and statement it's not mine. 

Notify furnishers ( XXXX ( b ) ). Liable for damages ( XXXX ). 

Delete unauthorized inquiries ( XXXX ( XXXX ) ). 

Violations enable aggravated ID theft ( XXXX XXXX. XXXX ) and breach FCRA accuracy ( XXXX ( a ) ( XXXX ), XXXX ). 

Provide updated report post-changes. Not requesting validation. 

Delete/block all fraud within XX/XX/XXXXdays. See attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AR

Complaint narrative:
This is a follow-up to my previous dispute concerning an inaccurate entry on my TransUnion credit report, specifically regarding an account reported by XX/XX/XXXX with account number XXXXXX/XX/XXXXand a listed balance of {$0.00}. I submitted my dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ), which grants me the right to challenge information that is inaccurate, incomplete, or misleading. Despite this, I have not received confirmation that a reinvestigation was conducted, nor have I been provided with documentation verifying the accuracy of this account. The information continues to appear on my credit report without clarification, which suggests that the required steps under the FCRA may not have been properly followed. This account may be inaccurately reported, misrepresenting my credit profile, and failing to meet the maximum possible accuracy standard required by 15 U.S.C. XXXX ( b ).

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing the collection account reported by " The Bureaus '' with a balance of {$4600.00}, originally from Capital One. The dates associated with this account are inaccurate and misleading. 
The account is shown as opened on XX/XX/XXXX, and reported as of XX/XX/XXXX. However, this is not when the original debt was incurred, and the account appears to be re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, the balance reported is inflated by over XXXX compared to what was owed to Capital One prior to the sale. I never agreed to these additional fees, and they were never disclosed or validated. 
Due to these serious inaccuracies including incorrect dates, inflated balance, and misleading reporting I request that this collection account be deleted in full from my credit report. If the furnisher can not verify and correct all information, it must be removed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Paid {$100.00} towards my card on XX/XX/25 and my advailabe credit updated for a little bit and then decreased. Payment posted a week ago but my available credit shows {$120.00} instead of {$220.00}

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 2025-10-20 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Formal Demand for Immediate Deletion of Inaccurate and Unauthorized Account Account # XXXX XXXX XXXX XXXX XXXX Dear Affirm Compliance Department, This letter serves as a final demand for the immediate and permanent deletion of the above-referenced account from all consumer reporting agencies. The account currently appears as Derogatory / Charged-Off / Collection, which is both inaccurate and unauthorized. 

Affirm Inc. did not obtain my written consent to sell, transfer, or disclose any portion of my personal or account information to a third-party collection agency. Furthermore, your company never provided any written notification or consent form regarding such action.

Additionally, the account is being reported to only one credit bureau, as clearly shown on my credit report. This incomplete, inconsistent, and selective reporting violates the Fair Credit Reporting Act ( FCRA ) because all data furnished to consumer reporting agencies must be accurate, complete, and verifiable across all bureaus.

Violations Cited : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information that is inaccurate or incomplete. 
FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation and deletion of unverifiable information.

FCRA 607 ( b ) : Requires furnishers to maintain maximum possible accuracy of information reported.

FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) : Requires debt validation prior to collection or reporting activity.

GLBA 502 ( a ) ( 15 U.S.C. 6802 ) : Prohibits the unauthorized sharing of a consumers nonpublic personal information with nonaffiliated third parties without clear notice and opt-in consent.

Company response to consumer: Closed with explanation