vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: SC

Complaint narrative:
I am filing this complaint against Uplift , Inc. regarding an inaccurate and derogatory account that is being reported on my credit file. The account, partially ending in XXXX, is listed as charged off with a balance of {$630.00} and is negatively impacting my credit standing.

I dispute the accuracy and validity of this account. I do not have a confirmed recollection of authorizing this debt, and I have not received any legally required validation documentation from Uplift , Inc. under the Fair Credit
Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ).

This account continues to be reported without any proper validation, and I believe it may be a result of misreporting, error, or possible identity-related fraud. I have taken the appropriate steps and filed with both the FTC and credit bureaus, but the issue remains unresolved. 

Resolution Requested : Permanently delete the account ending in XXXX from all three major credit reporting agencies ( XXXX XXXX XXXX XXXX  ). 

Cease and desist all further reporting, collection, sale, or transfer of this account to any third-party agency or debt collector now or in the future.

If Uplift , Inc. or any related party attempts to re-report this debt under a new name, I will pursue legal action for willful noncompliance under FCRA and FDCPA statutes. 

Provide written confirmation that this account has been deleted from all credit bureaus and will not be re-reported, sold, or reassigned.

Please treat this matter with urgency. I trust that the CFPB will investigate and hold Uplift , Inc. accountable for any violations or consumer harm resulting from this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
In XX/XX/year> ], I applied for a personal loan through NetCredit during a time of financial hardship. The application process was fast, and the loan was approved quickly. However, the terms of the loan were not clearly explained. I was led to believe the repayment terms would be reasonable, but after reviewing the documents more closely, I discovered that the loan carried an extremely high interest rate and a total repayment amount that was more than double the amount borrowed. 

I attempted to contact XXXX customer service in [ Month, Year ] to dispute the charges and request a loan modification or settlement. I explained that the loan was predatory in nature and that I had not been properly informed about the total cost. I was told that nothing could be changed and that I had to pay the full amount regardless of the circumstances or lack of transparency in the loan disclosures. 

To date, XXXX  has refused to work with me on this issue or offer any form of resolution. Their collections department has continued to contact me despite my disputes, and their unwillingness to review the situation has placed me under severe financial strain. 

This experience leads me to believe that XXXX  engages in predatory lending practices, targeting vulnerable consumers with confusing terms, high interest, and a lack of support or flexibility. I am requesting a full review of my loan, a breakdown of all charges, and removal or adjustment of any excessive fees or interest that were not clearly disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was in XXXX XXXX. He made me open accounts in my name

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 2025-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: MO

Complaint narrative:
I am rejecting the debt of {$1000.00} because : This contract was between the original creditor, XXXX XXXX XXXX XXXX  and myself, not with the debt collector. This item was purchased by a Third-Party Debt Collector - STARMARK FINANCIAL, LLC. I do not have, nor ever entered a contract with STARMARK FINANCIAL, LLC.

This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third-Party Debt Collector. 
The amount I applied for was not {$1500.00} like the application said I did. I applied for an amount around {$600.00}. 

How much did the collection company pay for this item? I do not know and neither does my credit report reflect such amounts. All information listed on my credit report must be accurate, complete, and fair. This is a clear violation of the FDCPA as this is not accurate or complete. DELETE THIS IMMEDIATELY. 

Beyond the debt itself, I have significant concerns about StarMark Financials practices and credibility. The company is not accredited by the XXXX XXXX XXXX XXXX XXXX XXXX  and there are numerous consumer complaints documented on the XXXX  website over the past 12 months. You can view these complaints here : XXXX Complaints. These reports highlight issues such as unauthorized transactions and failures to remove debts from credit reports, which suggest a pattern of unreliable and potentially unethical behavior. 

Most troubling is StarMark Financials practice of storing bank account information on their payment site. I am alarmed by this, as it raises serious questions about the security of my financial information and may violate the Fair Debt Collection Practices Act ( FDCPA ). I fear that my bank account details could be misused, and I want assurance that this information is not being retained or accessed improperly.

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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
. 

-- - * * [ XXXX XXXX ] * * [ XXXX XXXX XXXX XXXX [ XXXX fl ] * * Aldous and Associates * * {$8300.00} * * Subject : Request for Debt Validation Account # open XXXX XXXX To Whom It May Concern, I am writing in response to your notice dated * * [ Date of Letter, if available ] * * regarding a debt you claim I owe. Under * * 15 U.S.C. 1692g * * of the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I formally request that you provide * * validation of this debt * *.

Please provide the following : 1. * * Proof that I am legally responsible * * for this debt ( e.g., a signed contract or agreement ).

2. * * The original creditors name and address * *, along with the * * original account number * *.

3. * * A detailed breakdown * * of the debt amount, including : - Principal balance - Interest/fees added - Payments/credits applied 4. * * Verification that Aldous and Associates is legally authorized * * to collect this debt.

5. * * Proof the debt is within the statute of limitations * * for collection in [ Your State ].

* * Until proper validation is provided : * * - I * * dispute * * this debt.

- You must * * cease all collection efforts * *, including calls and credit reporting.

- Do * * not * * report this debt to any credit bureau until validation is furnished.

If you can not validate this debt, * * remove it from my credit report immediately * * and close this matter.

* * This is not a refusal to pay, but a lawful request for validation under federal law. * * Sincerely, * * [ XXXX XXXX ] * * [ XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> I sent certified letters to Experian, Equifax, and Experian. I addressed multiple errors that were being reported along with at the time two late payments. Do to the good will rule I did not see this being an issue since I hadn't missed a payment in over XXXX years. They did not take the two missed payments off, they did not change / update my information, they did not remove all the inquires I addressed and they did not take off all the unnecessary accounts, leaving over XXXX accounts still on my report. Due to the hit my credit took, my insurance premiums going up, and the distress this caused me, I fell even farther behind. I opted out of all the other companies and have the documentation in my binder. The repeated violations directly affect me under 15 U.S. Code Chapter 41 Subchapter 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo charged me {$100.00} in overdraft fees for less than {$40.00} in total subscription purchases. 

Ive been a Wells Fargo customer for over 10 years, maintaining multiple accounts with monthly service fees consistently paid. In XX/XX/year>, I experienced severe financial hardship due to an unresolved insurance settlement and was unable to immediately cover three small subscription charges totaling under {$40.00}. As a result, Wells Fargo charged three separate {$35.00} overdraft fees totaling {$100.00}, which is over 250 % of the original charges.

I contacted customer service immediately, offered to repay the full overdrafted amount, and requested a courtesy reversal due to my financial hardship. I explained my loyalty, history of fee payments, and that I had already closed other Wells Fargo accounts due to growing dissatisfaction. They refused to waive even part of the {$100.00}, citing that I had previously received a courtesy reversal within the past 12 months. 

When I mentioned I would file a CFPB complaint, the representative was dismissive and made no effort to escalate the matter.

I have since disabled the debit card to prevent further harm and plan to close the account entirely. However, I am still being asked to repay {$100.00} in fees for less than {$40.00} in activity, despite my proactive attempts to resolve this in good faith. 

I believe this constitutes an abusive practice under the Dodd-Frank Acts UDAAP provisions, particularly given : - Wells Fargos knowledge of my hardship, - My proactive offer to resolve it, - Their refusal to make any accommodation,- And their long-standing profit from service fees on my accounts.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
Credence called from all of these numbers : Credence Calls * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX - Number : XXXX * XX/XX/XXXX, XXXX XXXX - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX * XX/XX/XXXX, XXXX AM - Number : XXXX * XX/XX/XXXX, XXXX XXXX  - Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Account Sunrise credit services # XXXX I'm unaware of this debt and did not have the opportunity to dispute account. if you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. if not, please delete account # XXXX from each bureau reporting these charges as soon as possible or I will have to take legal action.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report please remove this account from my report. 

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I appreciate the response from Self Inc., but I strongly dispute the accuracy and fairness of their reporting. The following concerns remain unresolved : XXXX. Inaccurate Reporting Timeline : The company states I was XXXX days late by XX/XX/year>, yet only XXXX months of missed payments ( XXXX and XXXX ) are cited. This discrepancy suggests a potential error in how delinquency was calculated and reported to credit bureaus. 
XXXX. Failure to Properly Notify : While Self Inc. claims they sent emails and statements, no evidence has been provided to confirm that I actually received these notices or was aware of the pending delinquency status. Without proof of delivery, the account should not have been reported as delinquent under the FCRA. 
XXXX. Disproportionate Harm : The credit builder account was designed to help me establish credit, and I made paymentsincluding XXXX in XX/XX/year>. The fact that the account was paid off using the security deposit should reflect that there was no financial loss to the company. Punishing consumers by reporting XXXX isolated late payments on a small-dollar loan, despite payoff, causes more harm than the account was intended to help. 
XXXX. Request for Deletion or Suppression : I am requesting the removal or suppression of the late payment marks on this account. Given the inconsistencies and the disproportionate impact on my credit profile, I believe this request is both fair and justified. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief