vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On Sunday XX/XX/year> my vehicle was parked outside of a restaurant in XXXX CA and a suspect broke into my vehicle and stole my purse and used all of my credit cards. Since Monday XX/XX/XXXX was a Holiday, I called my Upgrade Credit Card Services on Tuesday XX/XX/XXXX and reported my credit card stolen and reported 3 fraudulent charges of {$8.00}, {$91.00}, and {$750.00}. The customer service representative for Upgrade told me she could not see the charge of XXXX. She said it probably didn't go through yet and as soon as I see it on my account I need to call back and report it. I never called back because I could not see the charge because it was charged to an account with upgrade that I had no clue about. I have filed a Police report and an Identity Theft Report. Upgrade is holding me responsible for a charge I did not do. They are also holding me responsible for an account I had no idea was even open. I never used that account or logged into it. They also set up automatic payments on that account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$270.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I purchased a home in XXXX. I am a 100 % P & T XXXX Vet. I live in the state ofMichigan. Property Taxes are exempt. This is my one and only Escrow refund aseverything is now in place and set and my mortgage/escrow is adjusted. I am owedroughly {$2800.00}. They said a check was sent. I never received. I asked if it could bewired. They told me to upload a void of check. I did on XX/XX/XXXX. XX/XX/XXXX they said XXXXXXXXbuisness days. Thats today. no money. I call. They tell me they had to resubmit therequest and I will get another letter on monday... I said will it say XXXX business daysagain. shes said she didnt know. I find this unsettling and am hurt. It was and is mymoney. I want it back. That is all. I make my mortgage payments on autopay. I just wantthis money back. 

I called back a few days ago to get told that because the account number was written into the form it was not acceptable. The third time calling after I sent in my letterhead form with all info required. its the same bank account that my autopay is set up as. 

I have all the letters from them and my form i attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXXXXXX BANK XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-28 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I took a loan/credit line from XXXX XXXX XXXX Synchrony Bank to pay a dental bill of over {$4700.00}. I was at the dentists office at the time, in pain, and wanted the pain to stop. I was offered this financing option while under distress and did not fully understand the terms. I was approved for monthly payments of {$200.00} and have paid on time for XXXX years. 

A few months ago, I was told my balance was {$1800.00}. When I called recently, I was told I now owe {$2400.00}, with a 30 % interest rate, despite making consistent payments. I feel I may have been misled about the loan terms, and the interest rate seems excessively high.

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 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
In early 2025, I was assigned a federal student loan serviced by Aidvantage. I was not informed when payments were scheduled to begin and did not receive access to a payment portal until after the account was reported delinquent. In XX/XX/2025, my credit score dropped by over XXXX points due to this delinquency, which I discovered through XXXX XXXX. This has severely impacted my ability to qualify for a graduate school loan. 

I contacted Aidvantage three times to request request a reevaluation and confirmation that a case was opened. I was told I would not receive confirmation until a decision was made in XXXX business days. I also submitted disputes to all three credit bureaus and provided documentation showing that I was not given fair opportunity to make payments before the delinquency was reported. 

Other borrowers- especially students- have reported similar issues with Aidvantage. I am requesting a correction to the payment history and removal of the delinquency from my credit report due to lack of communication and delayed access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 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, that is considered identity theft. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-28 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-28 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: AL

Complaint narrative:
XXXX XXXX, is inaccurately reporting the XXXX  payment amount that is due each billing cycle. 

The current amount shown as a late payment is inaccurate and is not contracted to be {$49.00}. They are to remove this inaccurate information or provide the burden of proof in contractual agreement that the deal was made at this XXXX  sum amount. 


Please reference Fair Credit Reporting Act ss 623, for an more detail description of the law that has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AL

Complaint narrative:
XXXX XXXX, is inaccurately reporting the XXXX  payment amount that is due each billing cycle. 

The current amount shown as a late payment is inaccurate and is not contracted to be {$49.00}. They are to remove this inaccurate information or provide the burden of proof in contractual agreement that the deal was made at this XXXX  sum amount. 


Please reference Fair Credit Reporting Act ss 623, for an more detail description of the law that has been violated.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
Experian, Transunion, and Equifax have removed XXXX XXXXXXXX XXXX XXXX data from my report. This was done with the intention of jeopardizing my credit report to prevent a decrease in my credit utilization. It was reported as fraudulent. I stated that no XXXX XXXX  was reported as fraudulent. 

I subsequently contacted XXXX XXXX three times, requesting their confirmation that there was no fraudulent activity on my card. XXXX  responded, " We did not report your card as fraudulent. '' They further informed me that they were unable to contact Experian and requested that I dispute the fraudulent claims made by Experian. I subsequently contacted the credit bureaus, challenging the fraudulent claims made by Experian, who never conducted any investigation. 

XXXX XXXXXXXX XXXX XXXX is in good standing. XXXX XXXX XXXX XXXX is also in good standing and their information has now been erased.

The actions being undertaken by the bureaus are contrary to the law. It is a tactical strategy to enhance credit utilization rather than decrease it. By thus eliminating or refraining from reporting these cards that are currently active and paid on time, this is a violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
Experian, Transunion, and Equifax have removed XXXX XXXXXXXX XXXX XXXX data from my report. This was done with the intention of jeopardizing my credit report to prevent a decrease in my credit utilization. It was reported as fraudulent. I stated that no XXXX XXXX  was reported as fraudulent. 

I subsequently contacted XXXX XXXX three times, requesting their confirmation that there was no fraudulent activity on my card. XXXX  responded, " We did not report your card as fraudulent. '' They further informed me that they were unable to contact Experian and requested that I dispute the fraudulent claims made by Experian. I subsequently contacted the credit bureaus, challenging the fraudulent claims made by Experian, who never conducted any investigation. 

XXXX XXXXXXXX XXXX XXXX is in good standing. XXXX XXXX XXXX XXXX is also in good standing and their information has now been erased.

The actions being undertaken by the bureaus are contrary to the law. It is a tactical strategy to enhance credit utilization rather than decrease it. By thus eliminating or refraining from reporting these cards that are currently active and paid on time, this is a violation of the law.

Company response to consumer: Closed with non-monetary relief