vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-22 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: NY

Complaint narrative:
I am disputing the reporting of this account on my credit report. This account is listed as " Open '' and has no account type specified. The comments on the account are vague or inconsistent ( e.g., " place for collections, '' " customer disputed '' ) and do not provide clear information. 

I note that other accounts on my credit report appear to have the same reporting issues, but this complaint addresses this specific account. 

I request that the company and credit bureau investigate this account and correct the reporting to accurately reflect its status and type. 

I have attached a screenshot of this account to illustrate the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-22 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: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-22 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: NC

Complaint narrative:
I DID NOT OPEN OR AUTHORIZE THIS ACCOUNT IT IS A RESULT OF IDENTITY THEFT.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
There are issues on my credit report needs to the corrected. 
XXXX my credit card info are wrong. they are paid of and i have a increase so that information is wrong. 

XXXX please remove old inquires from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
To : Experian XXXX XXXX  Subject : Formal Dispute of Unauthorized Account Reporting Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the above-referenced account appearing on my credit report. I have no knowledge of this account, have never applied for, opened, or authorized any account with XXXX XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX ), and therefore believe this entry to be fraudulent or inaccurately reported. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of this account unless you can provide verified documentation that substantiates my legal responsibility for it. 

Specifically, I am invoking the following rights under federal law : 15 U.S.C. 1681i ( Section 611, FCRA ) : Requires the credit reporting agency to conduct a reasonable investigation of disputed information and delete or correct any unverifiable, inaccurate, or incomplete information within XXXX  days. 
15 U.S.C. 1681b : Prohibits the inclusion or release of consumer information without a permissible purpose.

15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1692e ( FDCPA ) : Forbids the use of false, deceptive, or misleading representations in the collection or reporting of debts. 

This account, listed as Opened XX/XX/year> with a balance of {$8700.00}, is not mine. I request that you provide : XXXX. A copy of the original signed contract or application bearing my signature ; and XXXX. Verification from XXXX XXXX XXXX XXXX showing the original date of account opening, method of application, and proof of identity used. 

If you can not verify this information through the original creditor, as required by FCRA 611 ( a ) ( 5 ), you are legally obligated to delete this account from my credit report immediately. 

Please send written confirmation of your findings and any actions taken to the address listed above. I expect a response within the time frame required by federal law. 

Thank you for your prompt attention to this matter.

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 2025-10-22 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: NM

Complaint narrative:
To : XXXX Equifax XXXX Subject : Formal Dispute of Unauthorized Account Reporting Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the above-referenced account appearing on my credit report. I have no knowledge of this account, have never applied for, opened, or authorized any account with XXXX XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX ), and therefore believe this entry to be fraudulent or inaccurately reported. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of this account unless you can provide verified documentation that substantiates my legal responsibility for it. 

Specifically, I am invoking the following rights under federal law : 15 U.S.C. 1681i ( Section 611, FCRA ) : Requires the credit reporting agency to conduct a reasonable investigation of disputed information and delete or correct any unverifiable, inaccurate, or incomplete information within XXXX  days. 
15 U.S.C. 1681b : Prohibits the inclusion or release of consumer information without a permissible purpose.

15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1692e ( FDCPA ) : Forbids the use of false, deceptive, or misleading representations in the collection or reporting of debts. 

This account, listed as Opened XX/XX/year> with a balance of {$8700.00}, is not mine. I request that you provide : XXXX. A copy of the original signed contract or application bearing my signature ; and XXXX. Verification from XXXX XXXX XXXX XXXX showing the original date of account opening, method of application, and proof of identity used. 

If you can not verify this information through the original creditor, as required by FCRA 611 ( a ) ( 5 ), you are legally obligated to delete this account from my credit report immediately. 

Please send written confirmation of your findings and any actions taken to the address listed above. I expect a response within the time frame required by federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
To : XXXX XXXX TransUnion Subject : Formal Dispute of Unauthorized Account Reporting Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the above-referenced account appearing on my credit report. I have no knowledge of this account, have never applied for, opened, or authorized any account with XXXX XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX ), and therefore believe this entry to be fraudulent or inaccurately reported. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of this account unless you can provide verified documentation that substantiates my legal responsibility for it. 

Specifically, I am invoking the following rights under federal law : 15 U.S.C. 1681i ( Section 611, FCRA ) : Requires the credit reporting agency to conduct a reasonable investigation of disputed information and delete or correct any unverifiable, inaccurate, or incomplete information within XXXX  days. 
15 U.S.C. 1681b : Prohibits the inclusion or release of consumer information without a permissible purpose.

15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1692e ( FDCPA ) : Forbids the use of false, deceptive, or misleading representations in the collection or reporting of debts. 

This account, listed as Opened XX/XX/year> with a balance of {$8700.00}, is not mine. I request that you provide : XXXX. A copy of the original signed contract or application bearing my signature ; and XXXX. Verification from XXXX XXXX XXXX XXXX showing the original date of account opening, method of application, and proof of identity used. 

If you can not verify this information through the original creditor, as required by FCRA 611 ( a ) ( 5 ), you are legally obligated to delete this account from my credit report immediately. 

Please send written confirmation of your findings and any actions taken to the address listed above. I expect a response within the time frame required by federal law. 

Thank you for your prompt attention to this matter.

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 2025-10-22 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: SC

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 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 2025-10-22 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My account was closed or being closed and i asked can they just close it today and send me my funds ive been having issues with them for over a month now trying to get my funds. Ive had to file multiple disputes in reference to atm withdrawals and now my account is being closed i need my funds for my mortgage and theyre not releasing my funds for another almost 3 months and i cant wait that long Ill be out of my house i just want my account closed today and my check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Permanent Removal of Inaccurate and Duplicate Negative Accounts from Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute several inaccurate and possibly duplicate entries that appear on my credit report. I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe to be inaccurate or unverifiable. Below are the accounts I am challenging : XXXX. XXXX Address : XXXX XXXX XXXX, XXXX, MO XXXX XXXX : XXXX separate entries are listed with varying balances ( {$3000.00}, {$2200.00}, {$6200.00}, and {$3500.00} ). I believe these may be duplicate or misreported accounts. Please verify their accuracy and report only valid, non-duplicated debt. If it can not be fully verified, please remove it from my report. XXXX. XXXX  XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Reported Balance : {$610.00} XXXX request a thorough investigation to verify the accuracy and validity of this account. If it can not be fully verified, please remove it from my report. XXXX. XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Arizona XXXX Reported Balance : {$380.00} XXXX request that this account be investigated for accuracy and verified in compliance with the FCRA. If unverifiable, it should be removed. XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Reported Balance : {$720.00} Please investigate this account for accuracy. If the debt is outdated, settled, or unverifiable, I request it be permanently removed. Please investigate these accounts and provide me with written results of your findings. If you find any information to be inaccurate or unverifiable, I request the prompt deletion of such entries from my credit file. I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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