vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) that you must cease and desist all communication with me regarding the above-referenced alleged debt. 

I am fully aware of my rights, and I do not wish to receive any further phone calls, letters, emails, or other forms of communication from your office, your employees, or any agents acting on your behalf. The only permissible communication is to notify me of XXXX of the following : That collection efforts are being terminated. 

That you may invoke specified remedies, such as initiating a lawsuit. 

That you intend to invoke a specific remedy. 

Please also note that I dispute the validity of this alleged debt. Unless and until you can provide full validation as required under 15 U.S.C. 1692g, including proof of ownership, itemization of charges, and a complete chain of assignment, you are prohibited from reporting or continuing to report this account to any credit reporting agency. 

Be advised that any failure to comply with this notice, or any continued attempts to contact me, will be considered a violation of the FDCPA and other applicable state and federal laws. I will not hesitate to pursue remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
For XXXX  years now I have been telling XXXX XXXX  and XXXX these are not my accounts. 
They just respond with saying " been verified ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX  Account Number XXXX XXXXXXXX, Date Opened XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$00.00} XXXX - Account Number XXXX XXXXXXXX, Date Opened XXXX XXXX XXXXXX/XX/XXXX, Balance : {$130.00} XXXX XXXX Account Number XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
United Wholesale Mortgage ( UWM ) has had my 100 % XXXX Veteran Property Tax Exemption form since XXXX, with written and signed approval from my XXXX XXXX tax assessor. Despite having this clear documentation of my tax exemption, UWM continues to charge me for taxes in my escrow, which I do not owe. UWM has multiple times told me that an escrow refund check is already in the mail and that I should see my payment adjusted in the coming days. This was back in XXXX. It is now in the end of XXXX and they still have not corrected my payment or issued a refund for the excess escrow balance. I resubmitted the paperwork a month ago with the latest summer tax bill, which shows no money owed for taxes. It feels that UWM has been dragging their feet throughout this entire process and refuses to effectively communicate the status or reason for not approving the exemption. Currently, I have XXXX XXXXXXXX sitting in my escrow when my only escrow expense is {$100.00} for insurance. They are withholding over XXXX XXXXXXXX of my money and I have done everything that I have needed to on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my name. I have no knowledge of or connection to this account, and I never authorized its creation. Its reporting is misleading, false, and adversely affecting my credit profile.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX  XX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX, INQUIRY XXXX XXXXXX/XX/XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contesting a late payment reflected on my credit report. Verified records confirm that the payment was made timely, and the reported entry is inaccurate. This error is adversely affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$780.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 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: MicroBilt / PRBC (formerly CL Verify)
State: MI

Complaint narrative:
I submitted a dispute letter to MicroBilt on XX/XX/year>, disputing inaccurate reporting. Under the FCRA, they were required to investigate and respond within 30 days. As of today, I have not received any response. They are in violation of FCRA 611 ( a ). I am requesting full removal of the disputed item ( s ) due to lack of response and failure to investigate properly. Attached is the original dispute letter that was sent to MicroBilt, which further supports my claim. Here is the tracking confirmation of delivery : 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 explanation
Consumer complaint received 2025-08-21 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 a XXXX. XXXX and federal employee. An account from XXXX XXXX XXXX XXXX, managed by XXXX XXXX and XXXX, is being reported inaccurately on my credit reports by all three major credit bureaus ( XXXX, Equifax, and XXXX  ). 

Upon my military separation, I completed the required housing clearance walkthrough and was issued an official clearance letter showing {$0.00} balance ( Exhibit A ). The housing office also provided a written removal letter promising deletion from my credit report ( Exhibit B ). 

Despite this indisputable proof, XXXX XXXX and XXXX has continued to furnish false derogatory information, and the bureaus have failed to delete the account. I have been disputing this for over XXXX year, and each bureau has verified the account without a reasonable investigation. 

Violations : FCRA 1681i Bureaus failed to conduct a reasonable reinvestigation despite clear documentation. 

FCRA 1681s-2 Furnisher ( XXXX XXXX ) knowingly furnished false information. 

FCRA 1681e ( b ) Bureaus failed to ensure maximum possible accuracy.

15 U.S.C. 1681n Willful noncompliance entitles me to statutory, actual, and punitive damages. 


Harm Suffered : False reporting has damaged my credit for more than a year. 

I have been forced to pay higher rent and faced denials for financial opportunities. 

As a federal employee, this derogatory account directly jeopardizes my security clearance and employment stability. 

The willful nature of this ongoing violation has caused emotional distress, reputational harm, and financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am a XXXX. XXXX and federal employee. An account from XXXX XXXX XXXX XXXX, managed by XXXX XXXX and XXXX, is being reported inaccurately on my credit reports by all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 

Upon my military separation, I completed the required housing clearance walkthrough and was issued an official clearance letter showing {$0.00} balance ( Exhibit A ). The housing office also provided a written removal letter promising deletion from my credit report ( Exhibit B ). 

Despite this indisputable proof, XXXX XXXX and XXXX has continued to furnish false derogatory information, and the bureaus have failed to delete the account. I have been disputing this for over XXXX year, and each bureau has verified the account without a reasonable investigation. 

Violations : FCRA 1681i Bureaus failed to conduct a reasonable reinvestigation despite clear documentation. 

FCRA 1681s-2 Furnisher ( XXXX XXXX ) knowingly furnished false information. 

FCRA 1681e ( b ) Bureaus failed to ensure maximum possible accuracy. 

15 U.S.C. 1681n Willful noncompliance entitles me to statutory, actual, and punitive damages. 


Harm Suffered : False reporting has damaged my credit for more than a year. 

I have been forced to pay higher rent and faced denials for financial opportunities. 

As a federal employee, this derogatory account directly jeopardizes my security clearance and employment stability. 

The willful nature of this ongoing violation has caused emotional distress, reputational harm, and financial injury.

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 2025-08-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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