vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
I have identified a debt reported by XXXX XXXX that I believe is the result of identity theft. Below are the details : Company Name : Appliance Warehouse Account ID : XXXX Original Balance : {$270.00} Last Paid Creditor : XXXX XXXX XXXX Account Status : Reported as due, but this debt does not belong to me. 
I did not authorize or enter into any agreement with XXXX XXXX for leasing or purchasing any equipment. The reported debt is inaccurate and does not reflect any transactions or responsibilities I have had with this company. The account has been reported under my name, but I did not receive any equipment nor did I make any payments related to this debt. 

I have already reported this matter to the relevant authorities, as I suspect identity theft, and I have disputed the debt with the company. However, the debt continues to be reported inaccurately on my credit file. I request a full accounting of this debt, including any supporting documentation, and an investigation into the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX  ) ( Bank ) DATE : XXXX XXXX ( XXXX XXXX ) DATE : XXXX XXXX ( XXXX XXXX ( Auto ) DATE : XXXX XXXX ( XXXX  ( Bank ) DATE : XXXX XXXX XXXX  ( XXXX XXXX ( Bank ) DATE : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
I had trouble accessing, sending and receiving funds on cash app. I tried to contact cashapp to let them know about the problem but could not get a live person on the phone to help me!!! This cause unmeasurably frustration and a loss of time and money. I was in a secluded area and my car had broken down. Someone was trying to send me money for a tow truck. I had to wait hours for someone to come. If I had access to the funds someone was sending me, all wouldve been well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I can not believe that I am still dealing with errors on my report that should have been corrected long ago. These inaccuracies are damaging my financial health, limiting my opportunities, and making it incredibly difficult for me to move forward. It is absolutely unacceptable.

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 2025-02-26 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: FL

Complaint narrative:
I am writing you as a confirmation of my most recent dispute. I disputed the XXXXXXXX XXXX  account reporting on my credit report due to their failure to send me validated proof of my ownership of the debt. I am requesting that this account be deleted by you as a bureau because of their failure to adhere to my consumer rights under the FDCPA. This debt is deemed unverified and I want it removed. Attached will be the most recent responses I received from XXXX through the CFPB. You will see neither response has information pertaining to the proof of the debt requested. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXX was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after two years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid.

Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. 
Written confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXXXXXX XXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. 
Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information.

Written confirmation of the deletions, sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score. Despite previous attempts to resolve this matter with the credit bureaus, these inquiries remain on my report. 

The disputed hard inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Issue : I did not apply for credit with this company, and I did not authorize this inquiry. 

XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Issue : I have no relationship with this creditor and never consented to this inquiry. 

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 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 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 Hard Inquiries ) [ 15 U.S. Code 1602p ] Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not authorize these inquiries, I request their immediate removal from my credit file. 

I have previously contacted the credit bureaus regarding this matter but have not received a satisfactory resolution. As the Consumer Financial Protection Bureau has taken action against credit bureaus for inadequate dispute handling, I am now escalating my complaint to your office for investigation and enforcement. 

Enclosed are copies of my credit report with the unauthorized inquiries highlighted, as well as any supporting documents. I kindly request that you take action to have these inquiries removed and ensure that the credit bureaus comply with federal regulations. 

Please acknowledge receipt of this dispute and inform me of any further steps required. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-02-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX -- {$620.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} 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 2025-02-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX -- {$620.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} 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 2025-02-26 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: AZ

Complaint narrative:
I am formally disputing multiple accounts that have been unlawfully and inaccurately reported on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). Due to these violations, I am requesting the immediate deletion of the following accounts from my credit report : 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 ( Balance : {$1600.00} ) Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. These accounts contain inaccurate, unverifiable, and misleading information, violating this requirement. 
Obligation to Delete or Modify Inaccurate Information Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must : Immediately delete or correct the inaccurate information from the consumers file. 
N

otify the furnisher that the item has been modified or deleted. Prohibition on Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) strictly prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The accounts listed above have been wrongfully reported and must be deleted immediately. Unauthorized Disclosure of Consumer Information Under 15 U.S.C. 1681b ( a ) ( 1 ), credit reporting agencies must ensure that only accura
te and legally permissible information is included in consumer reports. Since the disputed accounts fail to meet these legal standards, they must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I am writing to dispute multiple accounts on my credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I identified the following unauthorized accounts : Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : $ XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Status : Account charged off. {$12000.00} written off. {$4800.00} past due as of XX/XX/XXXX. Amount Past Due : {$12000.00} Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Status : Paid, Closed. {$470.00} written off. Amount Past Due : {$300.00} INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT XXXX : MADE IN XXXX XXXX XXXX These accounts were opened without my knowledge or consent, and I request that they be investigated and removed in accordance with the FCRA, specifically 15 U.S.C . 1681c-2, which provides for the removal of fraudulent entries. I am also entitled to a timely investigation, as outlined in 15 U.S.C. 1681i, which requires a response within 30 days of this request.

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