vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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:
Several credit card accounts were fraudulently opened in my name without my permission as a result of identity theft. These accounts were later closed but continue to appear on my credit report, affecting my credit score. I did not apply for, authorize, or use these accounts. 

The fraudulent accounts include : XXXX : Closed on XX/XX/XXXX XXXX : Closed on XX/XX/XXXXXXXX XXXX  : Closed on XX/XX/XXXX XXXX  : Closed on XXXX XXXX, XXXX XXXX  XXXX : Closed on XX/XX/XXXX On XX/XX/XXXX, I filed an identity theft report with the FTC. I am requesting that these accounts be deleted from my credit file, as they are the result of fraud and not my responsibility.

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The balance of this account ( {$2800.00} ) was paid in-full and processed on XX/XX/XXXX th, 2025. I made this payment in-full, seeking to avoid the large and predatory interest amount that would be applied if the payment was not made by the up-coming billing cycle. Several days following this payment, Synchrony / Lowes fraudulently claimed that the payment had been reversed by my bank. No such action was initiated by me or my banking institution ( XXXX XXXX ). The funds were available on XX/XX/XXXX th and remained so, days after the payment had been made and processed by their own accounts. ( see attached documents ) I have contacted Synchrony /Lowes several times, requesting that their claims and accountability be established and my inconveniences and losses be addressed, because of their negligence. They have continued to avoid addressing responsibility for their deceptive actions by giving the same default response and have failed to address my injury and concerns. I demand that they cease and desist in contacting me further regarding this account, cease and desist all and any other actions or attempts at reporting purported delinquencies or any other credit damaging consumer reports, designed to injure my credit status.

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 2025-07-15 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: CA

Complaint narrative:
Experian, Equifax, and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax, and TRANSUNION 's inaction violates federal law and my rights as a consumer.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$570.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
I discovered 14 fraudulent accounts on my credit report. These accounts are not mine, I have never authorized them, and they are the result of identity theft.

I already filed an FTC Identity Theft Report and a police report, which I can provide upon request.

Despite notifying the credit bureaus, the fraudulent accounts remain on my credit reports. I am requesting that these inaccurate and fraudulent accounts be permanently deleted from all of my credit reports with all three major bureaus ( Equifax, Experian, TransUnion ). 

XXXX XXXX Account number : XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4900.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$470.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXccount number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-15 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

The CFPBs January 2025 enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law.

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Most of these are collection-related accounts, and I am formally demanding proof of their legitimacy and legal right to collect in my state. Are these collection agencies registered and legally authorized to collect in my state? If not, then they have no legal standing, and these accounts must be immediately removed from my credit report. I have never signed or entered into any agreement with these collection entities, and you have failed to provide any valid verification in response to my previous disputes. 

Your continued failure to properly investigate and remove these accounts is a blatant violation of your legal responsibilities under the Fair Credit Reporting Act ( FCRA ) and is actively causing harm to my credit and financial well-being.

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 2025-07-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-15 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: FL

Complaint narrative:
Request for Investigation and Removal of Inaccurate Eviction Entry from Credit Report XXXX Complainant Information : Name : XXXX XXXX Address : XXXX river XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX : XXXX Summary of Complaint : I am submitting this complaint to formally dispute an eviction-related entry appearing on my credit report, which I believe to be inaccurate, misleading, and in violation of federal law. The entry is causing undue harm to my creditworthiness and housing prospects. 

- Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. The eviction entry in question contains [ describe the inaccuracye.g., incorrect dates, amounts, or identity ].

- FCRA 15 U.S.C. 1681i ( a ) : I exercised my right to dispute the information directly with the credit bureaus. However, the furnisher failed to conduct a reasonable reinvestigation or provide verification.

- FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to investigate disputes forwarded by credit bureaus. The continued reporting of this eviction violates this provision. 
- XXXX XXXX XXXX ( if applicable ) : If the eviction stems from a court judgment, I request verification that the judgment is valid, enforceable, and not expired under applicable state statutes of limitations. 
- XXXX XXXX ( e.g., Florida Statutes XXXX ) : If the eviction occurred in Florida, I request confirmation that the landlord followed proper legal procedures, including notice and court filings. Any deviation may render the eviction invalid. 

I respectfully request that the CFPB : - Investigate the accuracy and legality of the eviction entry. 
- Require the credit reporting agencies and furnishers to provide full documentation verifying the entry. 
- Remove the eviction from my credit report if it can not be verified or was reported in violation of the FCRA. 
- Ensure compliance with all applicable federal and state laws. respectfully demand that the CFPB : - Conduct a full investigation into the eviction entry reported on my credit file. 
- Require the credit reporting agencies and furnishers to produce documented and legally admissible proof that the eviction occurred and was reported in full compliance with the Fair Credit Reporting Act and applicable state laws. 
- Permanently delete the eviction entry from all consumer reporting records if : - It can not be verified with appropriate documentation, - It was inaccurately or unlawfully reported, or - It exceeds the legally permitted time limit for reporting derogatory information ( typically 7 years per FCRA 15 U.S.C. 1681c ( a ) ). 
- Enforce regulatory compliance to prevent further violations and harm to my creditworthiness. 


Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Incorrect Address Law : FCRA XXXX ( b ), XXXX ( a ) Story : I have never lived at this address and have no connection to it. Its inclusion is damaging and reflects inaccurate identifying information which affects my creditworthiness. I request its permanent removal. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Invalid Address Law : FCRA 607 ( b ), 611 ( a ) Story : This is not my mailing or residential address. It is either outdated or added in error. It must be removed to maintain report accuracy. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : Charge-Off Status Reporting Law : FCRA 605 ( a ), 611 ( a ), 623 ( b ) Story : This account was either resolved or not authorized in the current form shown. The balance and charge-off status are inaccurate. I demand verification or deletion if validation can not be provided within 30 days as required by law. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment History Law : FCRA 623 ( a ) ( 2 ), 611 ( a ) Story : This account reflects derogatory payment history that I dispute. I request proof of alleged delinquency with date-specific payment records. If such can not be produced, it must be deleted.

I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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 2025-07-15 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: MD

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing XXXX to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I received a Debt settlement offer from Spring Oaks Capital SPV , LLC to resolve a credit card debt. This offer was made via text message. I have never had a credit card with this company or bank. Spring Oaks is trying to collect on an XXXX XXXX card via XXXX XXXX. I've never heard of either of them. 

I responded via text that they had the wrong person/phone number, and then received multiple calls from spoofed numbers all afternoon. XXXX, XXXX, XXXX, XXXX https : //springoakscapital.com/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I 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 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 2025-07-15 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: TX

Complaint narrative:
Most of these are collection-related accounts, and I am formally demanding proof of their legitimacy and legal right to collect in my state. Are these collection agencies registered and legally authorized to collect in my state? If not, then they have no legal standing, and these accounts must be immediately removed from my credit report. I have never signed or entered into any agreement with these collection entities, and you have failed to provide any valid verification in response to my previous disputes. 

Your continued failure to properly investigate and remove these accounts is a blatant violation of your legal responsibilities under the Fair Credit Reporting Act ( FCRA ) and is actively causing harm to my credit and financial well-being.

Company response to consumer: Closed with explanation