vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am a 100 percent XXXX American Veteran. The collection company, Spring Oaks Capital LLC, continues to contact me and pressure me regarding account number XXXX. As a Veteran living on a fixed income, I made an offer to settle this debt even though I disagree with the total amount owed of {$400.00}. They were very rude to me and did not care that I was a XXXX American Veteran living on a fixed income. Then they proceeded to put the collection on my credit report. I respectfully requested a goodwill deletion with my offer to settle this debt collection, which resulted in my inability to purchase a home, which will potentially lead to my homelessness. I have tried several times to settle this debt with what I can afford to pay ; however, Spring Oaks Capital , LLC. continues to call, write, and harass me for money I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. 

The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Identity Theft XXXX  XXXX - Please remove it from my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX  - Please correct/update this inaccurate information on my credit report. 

These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - Please correct/update this inaccurate information on my credit report. 

Identity Theft XXXX XXXX XXXX- Please remove it from my credit 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 explanation
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting, Unauthorized Inquiries, and Unverifiable Accounts 1. Background I am submitting this complaint regarding repeated inaccuracies, unauthorized inquiries, and unverifiable accounts appearing on my credit report ( s ).

Upon review, I identified multiple issues including : Incorrect current and previous addresses Incorrect or mixed employer information Unauthorized hard inquiries Accounts reporting incorrect status or balances Accounts that can not be validated Many of these inaccuracies appear linked to large-scale data breaches, including but not limited to Equifax ( XXXX ), telecom providers, and healthcare breaches. These errors indicate mixed-file reporting and potential identity compromise. Immediate corrective action is required.

2. Legal Basis for Complaint These errors constitute violations of federal and state law : Fair Credit Reporting Act ( FCRA ) 1681i ( a ) Right to dispute inaccurate, incomplete, or unverifiable information and demand reinvestigation within 30 days 1681e ( b ) Requirement for reasonable procedures to ensure maximum accuracy 1681b Requirement for permissible purpose for inquiries 1681s-2 & 1681c Obligations of furnishers to provide accurate information Fair Debt Collection Practices Act ( FDCPA ) where applicable Missouri Merchandising Practices Act ( MMPA ) for deceptive or inaccurate reporting FTC guidance regarding consumer rights following large-scale data breaches Failure to investigate, validate, or delete inaccurate items constitutes a willful violation of federal law.

3. Specific Issues Identified Personal Information Errors Multiple incorrect addresses ( current and previous ) Inaccurate employer listings Unauthorized / Unverified Inquiries Multiple hard inquiries without my authorization Accounts Reporting Inaccuracies Accounts with incorrect status, balance, or dates Accounts that can not be verified or validated Data Breach Exposure Many of these issues appear consistent with known large-scale data breaches, indicating a failure to protect consumer information.

4. Escalation Warning Failure to comply with federal and state law may result in : FTC enforcement action Missouri Attorney General intervention Private legal action for statutory and punitive damages 5. Attachments/ References Copies of all dispute letters Consolidated list of disputed items including addresses, employers, inquiries, and accounts References to known data breaches affecting personal information Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
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 explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
These accounts and inquiries appear inconsistent or inaccurate compared to the other bureaus. I request an investigation and removal of anything that can not be verified. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX  Opened XX/XX/XXXX {$0.00} XXXX XXXX Opened XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXXXX/XX/XXXX LATE PAYMENTS 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
The Bureaus has placed a collection account on my credit report. 

In XXXX, I requested an itemization of the alleged amount and neverrecived an answer. To ensure this was not a request from a fake company, I sent a follow up letter asking for detailed information to confirm they own the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/year> the information continues to show on my credit report I asked for the " Original Signed Contract '', " Mandatory Documentary Proof '' and they continue to report these accounts as accurate based on what facts? They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Subject : Complaint Regarding Barclays Bank Delaware Failure to Conduct Proper Investigation, Conflicting Determinations, and Failure to Respond Bank : Barclays Bank Delaware Consumer : XXXX XXXX ( DOB : XX/XX/year> ) Account : Credit card ending in XXXX I am submitting this complaint to the Consumer Financial Protection Bureau because Barclays Bank Delaware has failed to properly investigate an identity theft claim, has issued conflicting and unsupported determinations, and has repeatedly failed to respond to multiple written requests for clarification and documentation.

1. Identity Theft Background Barclays asserted that I owed a balance of {$42000.00} on a credit card account ending in XXXX. I did not open, use, or authorize the use of this account. I reported the matter as identity theft and formally disputed the alleged debt, requesting verification and supporting documentation. 

2. Barclays Provided Conflicting Determinations Barclays issued two separate determinations regarding the same identity theft claim. 
One determination stated that I was not responsible for the disputed transactions, while another later determination stated that the transactions were not fraudulent and that I remained responsible for the balance.

Barclays has provided no explanation, no investigative findings, and no documentation supporting either conclusion.

3. Barclays Has Not Responded to Repeated Requests Multiple written requests were submitted asking Barclays to provide : A clear explanation of its investigation The factual basis for its conclusions The evidence relied upon Any internal notes or records related to the dispute Barclays has not responded to any of these requests, despite months of follow-up attempts. 

4. Violations of Federal Consumer Protection Requirements Barclays conduct appears to violate several federal consumer protection laws, including : Regulation E ( 12 CFR 1005.11 ) failure to conduct a reasonable investigation and provide investigation results for an unauthorized transaction claim Fair Credit Reporting Act ( FCRA ) failure to correct inaccurate information linked to identity theft FTC Identity Theft Rules failure to provide records and information relating to the identity theft investigation Unfair, deceptive, or abusive acts or practices ( UDAAP ) due to contradictory statements and failure to provide required disclosures These failures have caused substantial financial and credit-related harm and have prevented resolution of a fraudulent debt. 


Barclays prolonged lack of response and refusal to comply with federal investigation and disclosure requirements make regulatory action necessary.

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 2025-11-24 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: MD

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
This is an unauthorized account and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

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 XXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy XXXX XXXX XXXX of Virginia 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

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 XXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy XXXX XXXX XXXX of Virginia 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
These accounts bear no relation to me ; delete them within 15 days per USC 1681g.

Company response to consumer: Closed with explanation