vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
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 id-entity 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Calling several times before payment is to be sent. Balance not getting lower in 3 years of payments. Payed 4 times the loan amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing an alleged debt Portfolio Recovery Associates ( PRA ) claims I owe in the amount of {$800.00}, originally from XXXX XXXX XXXX. I formally requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F, but PRA failed to provide the required documentation. They only sent a billing statement and a generic email from the original creditor, which does not meet the legal requirements for validation. They did not provide a signed contract, chain of title, or full itemized account history. 

Despite this failure to validate, PRA continues to report the account negatively on my credit report and has continued to call me, which violates FDCPA 1692c ( a ) ( 1 ) and Regulation F 12 CFR 1006.6. I have already asked for calls to cease in writing. They are legally required to stop collection activities and contact until validation is provided, but they continue to call, causing stress and violating my consumer rights. 

This account should not be reported or collected on without proper validation. I am requesting the CFPB investigate PRA for failure to validate, improper communication after dispute, and XXXX XXXX credit reporting non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report XXXX  XXXX Account To Whom It May Concern, I am writing to dispute the inaccurate information appearing on my TransUnion credit report regarding my XXXX  XXXX account. 

According to my records, I have made all payments on time, including those through XX/XX/XXXX, and have never been late. However, my TransUnion report lists this account as having a late or delinquent payment, which is incorrect. 

Attached are : XX/XX/XXXX ( payment of {$100.00} ) XX/XX/XXXX ( payment of {$50.00} ) XXXX payment of {$150.00} My government-issued ID and proof of address Please investigate and correct this error. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information. 

Thank you for your attention to this matter. Please send me confirmation once the correction has been made. 

Sincerely, 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 2025-07-17 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: CA

Complaint narrative:
On XX/XX/year>, I submitted formal written disputes to Experian, Equifax, and TransUnion, requesting that they verify the validity of multiple negative and derogatory items they have reported on my credit file. I clearly stated that they were required to investigate and respond within 30 days as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

As of today, XX/XX/year>, they have failed to comply. None of the credit bureaus have provided me with verification or documentation supporting the validity of these disputed accounts. Worse, since I submitted my disputes, they have added new negative items to my credit reports, further harming my credit score, and they have not removed the previously disputed inaccurate or unverifiable accounts.

According to FCRA 1681i ( a ) ( 5 ) ( A ), any item that is not verified during a reinvestigation must be promptly deleted. The bureaus failure to remove or correct these items after 30 days constitutes a willful and negligent violation of the law under FCRA 1681n and
1681o.

I am requesting that the CFPB immediately intervene and compel the credit reporting agencies to : Delete all unverified negative items from my credit file Provide me with a corrected copy of my report Cease further reporting of these unvalidated items I am available to provide additional documentation upon request. This continued inaction has caused me credit denials, financial hardship, and emotional distress. I am requesting swift corrective action by the CFPB.

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 2025-07-17 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: SC

Complaint narrative:
Inquiries on my report that Im not aware about and I did not do it

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 2025-07-17 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: SC

Complaint narrative:
Inquiries on my report that Im not aware about and I did not do it

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 2025-07-17 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:
To Whom It May Concern, at EXPERIAN and EQUIFAX and XXXX XXXX I am writing on behalf of the corporate entity known as XXXX XXXX XXXX, associated social security account ending in ( XXXX ) in my capacity as the duly authorized agent and legal representative. Pursuant to UCC1 filings establishing my claim, I hereby formally request that you and your agency immediately withdraw all allegations, claims, and publications related to this entity.

Additionally, I hereby invoke common law jurisdiction and assert my constitutional rights, including but not limited to : The right not to incriminate myself, The right to privacy, The right to remain silent.

Therefore, I demand that this publication be removed immediately and completely without any questions being asked.

You do not have permission or lawful authority to use the corporate entitys name, likeness, or any associated personal information, nor to publish, distribute, or monetize this information in any form.

As the authorized agent and representative, I hold the primary copyright and legal claim over all information related to this entity. Accordingly, I demand : Immediate removal of all content referencing XXXX XXXX XXXX from your website and any affiliated platforms. 

A full retraction of any claims or allegations made against this corporate entity. 

Proof of any lawful authority, license, or permission you claim to have for publishing or maintaining this content. 

A sworn affidavit under penalty of perjury confirming your lawful basis to use or publish this information. 

Failure to comply will result in my pursuing all available legal remedies, including but not limited to formal XXXX takedown notices and potential litigation as well as state and federal court proceedings, as well as filing complaints on all parties involved with corresponding legal departments and requesting investigation on accounting and FDCPA violations to pursue lawsuits and compensating damages if need be Affiant request an updated report sent to address below Contact Information : Agent on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, Florida 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
To Whom It May Concern, at XXXX XXXX XXXX and LEXIS NEXIS I am writing on behalf of the corporate entity known as XXXX XXXX XXXX XXXXXXXX social security account ending in ( XXXX ) in my capacity as the duly authorized agent and legal representative. Pursuant to UCC1 filings establishing my claim, I hereby formally request that you and your agency immediately withdraw all allegations, claims, and publications related to this entity.

Additionally, I hereby invoke common law jurisdiction and assert my constitutional rights, including but not limited to : The right not to incriminate myself, The right to privacy, The right to remain silent. 

Therefore, I demand that this publication be removed immediately and completely without any questions being asked. 

You do not have permission or lawful authority to use the corporate entitys name, likeness, or any associated personal information, nor to publish, distribute, or monetize this information in any form. 

As the authorized agent and representative, I hold the primary copyright and legal claim over all information related to this entity. Accordingly, I demand : Immediate removal of all content referencing XXXX XXXX XXXX from your website and any affiliated platforms. 

A full retraction of any claims or allegations made against this corporate entity. 

Proof of any lawful authority, license, or permission you claim to have for publishing or maintaining this content. 

A sworn affidavit under penalty of perjury confirming your lawful basis to use or publish this information. 

Failure to comply will result in my pursuing all available legal remedies, including but not limited to formal XXXX takedown notices and potential litigation as well as state and federal court proceedings, as well as filing complaints on all parties involved with corresponding legal departments and requesting investigation on accounting and FDCPA violations to pursue lawsuits and compensating damages if need be Affiant request an updated report sent to address below Contact Information : Agent on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX XX/XX/2025 Spring Oak Capital, LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Request for Debt Validation Dear, Springs Oak Capital, LLC, I am writing in response to a collection on my credit report about an alleged debt. I am requesting that you provide full validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. The name and address of the original creditor.

2. The original amount of the debt and an itemized breakdown of any interest, fees, or other charges.

3. A copy of the original contract or agreement bearing my signature ( if applicable ).

4. Proof that you are legally authorized to collect debts in Tennessee.

5. A copy of any judgment ( if applicable ). 
Until this debt has been validated, please cease all collection activities, including reporting this account to any credit reporting agencies. If you have already reported it, please inform the credit bureaus that the debt is currently in dispute. 
This letter is not a refusal to pay, but a request for validation. Please respond within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Contacted the Bank on the evening of XX/XX/XXXX due to my identity being stolen and our account being fraudulently accessed. That evening SoFi security department put a Temporary restriction on the account to prevent the fraudulent transactions from going through. At this same time I was instructed to call the banking department the following day to see if they were able to cancel the fraudulent transactions. When I contacted the banking department the morning of XX/XX/XXXX I was informed that the withdrawals were sent to a fraudulent bank account at another bank due to my identity being stolen I had them remove the account and was told that once the transactions failed to process due to the restrictions that I would be able to call back and have the restriction lifted after their fraud investigation. The following week on XX/XX/XXXX after I had secured access to all my accounts and alerted the proper people of the identity theft I called SoFi again in order to lift the restriction on the account. At this time I was informed that the activity on our account was flagged by the investigation team as being against their membership agreement even though I wasnt the one doing the activity and my information had been stolen. When I asked for clarification I was told that they could not give me any additional information or pass me along to the investigation team for clarification. In addition I was told that my account was being closed due to this supposed breach of agreement and that our money was going to be stuck until a date that they could determine that the money was ours if at all. My girlfriend who is a joint account holder also called for clarification because this money is needed for both of us to pay bills and we were victims in the whole situation to which they told her that they also could not provide clarification or and any information as to how the process was handled or what time frame was for account closure. This whole process has penalized us for being victims of this crime none of my other accounts that were affected penalized me for this or said it was a breach of membership agreement. We are genuinely worried that we will not receive any of our funds and will have no way to verify because of the secretive nature of how this bank is conducting business. They should have recording of all the calls and I have documentation with bothe the federal government and other accounts about the fraud and have recorded calls as well if evidence is needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear National Credit Systems : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * XXXX : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-17 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation