vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
Subject : FCRA Violations by Equifax, Experian, and TransUnion Body : I am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by the XXXX major credit bureaus : Inaccurate personal information across bureaus Inconsistent employer and address listings Discrepancies in account statuses ( open/closed/derogatory ) Unverified risk factors impacting my score Improper reporting of fraud alerts These issues violate : - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i - 15 U.S.C. 1681c-1 STEP 1 : PERSONAL INFORMATION INACCURACIES Field Bureaus Reporting Differences Notes Potential FCRA Violations Name XXXX shows former name " XXXX XXXX XXXX XXXX XXXX while XXXX XXXX XXXX show XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX Name variation not updated across bureaus 15 U.S. Code 1681i ( a ) failure to maintain accurate info Date of Birth XXXX shows only the year XXXX XXXX XXXX, while XXXX and XXXX show full DOB XXXX XXXX XXXX  Incomplete DOB could affect ID verification 1681e ( b ) Employer Info XXXX lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows none Inconsistent and missing employment info 1681e ( b ) Previous Addresses XXXX  shows addresses not listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' Possibly outdated or mixed files 1681i ( a ) STEP XXXX : CREDIT SCORES TransUnion : XXXX ( Unfavorable ) Experian : XXXX ( Unfavorable ) Equifax : XXXX ( Unfavorable ) Risk Factors Reported : Oldest account too recent Balances too high Recent delinquencies Lack of sufficient real estate accounts If any of this is untrue or inaccurate, it affects scoring unfairly violation under FCRA 1681e ( b ). 
STEP XXXX : ACCOUNT SUMMARY CHECK Bureau Total Accts Open Closed Derogatory Delinquent Collections Balances 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 Discrepancies in open/closed/derogatory accounts suggest inconsistent data possible FCRA 1681i violations.

STEP 4 : POTENTIAL FCRA VIOLATIONS Issue Description FCRA Code Violated Inconsistent name & DOB across CRAs Can affect creditworthiness, identity checks 1681e ( b ), 1681i Missing/extra addresses/employers Signs of incomplete updates or mixed files 1681e ( b ) Different account totals ( open/closed/derog ) Reporting inconsistencies without investigation 1681i ( a ), 1681s-2 ( b ) Risk score factors based on potentially inaccurate data Low scores caused by disputed or outdated info 1681g, 1681e ( b ) XXXX XXXX XXXX  show fraud alerts, XXXX does not All XXXX must reflect fraud alert consistently 1681c-1

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am not liable for this debt with Spring Oaks Capital.I do not have a contract, They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Affidavit of Truth Formal Complaint Regarding Fraudulent Credit Inquiry XXXX XXXX Email : XXXX Phone : XXXX TO : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Affidavit of Truth Formal Complaint Regarding Fraudulent Credit Inquiry Date : XX/XX/XXXXXXXX  To Whom It May Concern : This serves as an official Affidavit of Truth and Complaint concerning an unauthorized inquiry on my Equifax credit report dated XX/XX/XXXX, specifically from XXXX XXXX XXXX, dated XX/XX/XXXX. 

This inquiry was fraudulent and unauthorized, as I did not initiate any credit application, authorize such inquiry, nor provide written or electronic consent as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

You are hereby notified that this act violates the following : - 15 U.S.C. 1681b Permissible purposes of consumer reports- 15 U.S.C. 1681n Civil liability for willful noncompliance ( Statutory damages of up to {$1000.00} per violation ) - 15 U.S.C. 1681o Civil liability for negligent noncompliance In addition, this inquiry violates Metro 2 Compliance Guidelines, which require that all dataincluding inquiriesmust be : - Accurate - Verified - Authorized with documented permissible purpose Metro 2 Standards, enforced through guidance from the XXXX XXXX XXXX XXXX ( XXXX ), mandate that any inquiry without permissible purpose or verification must be removed immediately. This inquiry is non-compliant and therefore must be deleted. 

According to my records and attached audit summary, Equifax is responsible for at least one ( 1 ) confirmed unauthorized inquiry, each demanding statutory damages of {$1000.00} per violation, totaling {$1000.00} under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I requested debt validation 60 days ago, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the company failed to provide a valid agreement. As I don't have an agreement with them, I'm disputing the debt. They didn't validate the account as requested.

Given their failure to validate, I demand that they : - Immediately cease all collection activities- Remove the debt from my credit report without delay - Notify the credit bureaus to update my file accordingly and delete any negative marks related to this debt - Provide written confirmation of these actions within 10 days As they have failed to meet their obligations under the FDCPA, I expect prompt resolution. Please take immediate action to resolve this matter and ensure my credit report is updated accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
My credit card was closed a few years ago. I still was expected to pay it off. The card has been paid off in full. But to this day they wont tell me why the card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Equifax for Inaccurate and Misleading Reporting of Closed XXXX Account Dear CFPB, I am submitting this formal complaint against Equifax regarding their failure to correct false and damaging information related to a XXXX account that was closed in XXXX. 

Despite the account being closed for years, Equifax continues to report late payments spanning from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I disputed this reporting with Equifax, and while they made a small correction to XX/XX/XXXXXXXX XXXX they failed to address or remove the false late payments from the prior XXXX months. This is not only unacceptableit is in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 



Specific Legal Violations FCRA 607 ( b ) : Credit bureaus must maintain the maximum possible accuracy of all data reported. Reporting late payments on a closed account is patently inaccurate.

FCRA 611 ( a ) : Equifax failed to conduct a complete reinvestigation of all disputed months, despite having clear evidence that the account was closed years earlier. 
FCRA 623 ( a ) ( 1 ) and ( a ) ( XXXX ) : XXXX, as a furnisher, and Equifax, as the reporting agency, are both responsible for furnishing and maintaining accurate and complete data. Continuing to report fictitious late payments violates both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
This complaints is filed, because my previous experience dealing with Capital One 's Customer Service : Their Customer Service was too bad, that I doubt their representative will even listen or take notes of what I have to say, unlike the other Banks listed below did : My Out-of-My-Control Situation Requiring Human Understanding and Note-Taking : I needed to speak with a live agent to explain an out-of-my-control situation that impacted my ability to make a timely payment. This situation specifically required a human representative who could listen, understand the nuances, and accurately document the details in my account, similar to the positive experiences I had with XXXX XXXX XXXX  and XXXX XXXX. 

Here are the specific, unavoidable circumstances : Vehicle Repairs & Work Impact : My only car, which I use for my XXXX XXXX  XXXX  job, was scheduled for professional body and paint repairs from XX/XX/year>, to XX/XX/year>. 

Initial Delay Warning : XXXX XXXX XXXX, the owner of the XXXX XXXX XXXX, warned me of a 1 to 2-day delay, meaning my car was expected back by XX/XX/XXXX or XX/XX/year>. At this point, there was no conflict with my credit card payment due dates, including Capital One 's. 

Unexpected Extended Delay : Unfortunately, the delay from XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX was significantly longer than anticipated. My car was finally returned to me on Wednesday, XX/XX/year>, with two minor pending repairs at my request. This was an unexpected 14-day ( two-week ) delay during which I was unable to work with XXXX XXXX, as I couldn't afford to rent another vehicle for worka fact the XXXX XXXX XXXX was well aware of. 

Income Interruption : This two-week, out-of-my-control delay directly resulted in me being without the necessary income to pay my credit cards on time as usual. 

Positive Experiences with Other Banks : Both XXXX XXXX XXXX  and XXXX XXXX  understood and accommodated my situation, despite handling it differently : XXXX XXXX XXXX  scheduled an automated debit from my checking account for XX/XX/year>. XXXX XXXX  took detailed written notice, adding it to their system to clearly document that I explained this out-of-my-control car repair delay that prevented me from working my only current job with XXXX XXXX. 

I asked both banks to understand that it's unfair to simply report accounts as late under such circumstances. Their representatives understood and took proper notice, ensuring my contact was registered as received on time. This wasn't a case of me disappearing ; it was a genuine, extended delay in my car repair, the same vehicle I rely on for my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8800.00} & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-06-05 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: CA

Complaint narrative:
Good day, this letter I am sending to you today is to formally request to correct the listed inquiries in my credit profile which is appearing to be fairly inaccurate. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, my PayPal account was hacked, and {$4000.00} was withdrawn without my authorization and sent to an unknown PayPal user. I did not initiate, approve, or recognize this transaction in any way. Upon discovering the fraudulent activity, I immediately reported it to PayPal and opened a dispute. 

After days of waiting, I was notified that PayPal closed the dispute in the recipient 's favor. This decision is unacceptable, as I never authorized the transaction and did not purchase any goods or services from this individual. I provided full documentation showing that the transaction was unauthorized. 

Even more concerning, the individual who received the funds reached out to me directly and admitted in writing that they knew the funds were unauthorized. They stated : " I am not able to refund you due to the fact that I no longer have these funds. I did know it was unauthorized. '' This is a direct admission that the person knowingly kept unauthorized funds. I provided this evidence to PayPal, yet the dispute was still resolved in the recipient 's favor. 

Currently, the dispute shows conflicting statuses in my PayPal account marked both as closed in the sellers favor and still open. This has created confusion and lack of resolution. PayPals handling of this matter appears to violate federal regulations regarding the protection of consumers in unauthorized electronic fund transfers. 

As a result, I am now at a financial loss of over {$4000.00}. I am requesting the CFPB to investigate PayPal 's actions and ensure that proper regulatory procedures are followed, including the reimbursement of my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
Please update my personal information immediately!

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 2025-06-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have challenged all of the false litigations on my credit file over 90 days ago. I'm a victim of IDENTITY THEFT. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Im sending a copy of my ID, which includes my address, and a copy of my social security number, police report, and an FTC identity theft 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 2025-06-05 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accounts listed in my credit file, which I believe to be the result of identity theft following the 2017 Equifax data breach, in which my personal information was compromised without my consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and the removal of the accounts I have identified as fraudulent. The FCRA mandates that credit reporting agencies must investigate disputes within 30 days, but given the urgency and the clear connection to a well-documented data breach, I am requesting the removal of the inaccurate or fraudulent accounts within 4 business days.Furthermore, under the FCRA 1681c-2 ( Blocking of information resulting from identity theft ), I am asserting my right to have all information resulting from identity theft permanently blocked from my credit report. Please consider this a formal dispute and request for deletion. I have included relevant supporting documentation ( if applicable ) and expect prompt action in accordance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am writing to formally dispute the accounts listed in my credit file, which I believe to be the result of identity theft following the 2017 Equifax data breach, in which my personal information was compromised without my consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and the removal of the accounts I have identified as fraudulent. The FCRA mandates that credit reporting agencies must investigate disputes within 30 days, but given the urgency and the clear connection to a well-documented data breach, I am requesting the removal of the inaccurate or fraudulent accounts within 4 business days.Furthermore, under the FCRA 1681c-2 ( Blocking of information resulting from identity theft ), I am asserting my right to have all information resulting from identity theft permanently blocked from my credit report. Please consider this a formal dispute and request for deletion. I have included relevant supporting documentation ( if applicable ) and expect prompt action in accordance with federal consumer protection laws.

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 2025-06-05 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: CO

Complaint narrative:
This is my second complaint. I previously submitted a dispute to Equifax regarding fraudulent hard inquiries caused by identity theft. I submitted all required documentation, including : FTC Identity Theft Report Police Report Copy of my government-issued ID and Social Security card Equifax has failed to act or respond properly within the 30-day period required under the Fair Credit Reporting Act ( FCRA ). Instead, they denied my dispute without proper investigation, claiming my Social Security number is only for work authorization, which is not a valid legal reason to ignore an identity theft claim. 

I have contacted Equifax multiple times by phone, and every time they give me excuses or transfer my call without providing any real help. I was told they already have all the documents, yet they continue to delay and avoid taking action These inquiries were not authorized by me, and I did not apply for credit with these companies. I am asking the CFPB to escalate this matter and force Equifax to comply with federal law. 

I am requesting : 1. The immediate deletion of the fraudulent inquiries.

2. A free updated copy of my Equifax credit report.

3. Written confirmation that the matter has been resolved. 

I am also requesting that this complaint be formally escalated and that Equifax be contacted directly by the CFPB regarding their failure to comply. 

The unauthorized inquiries include : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation