vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization. 

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

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 2025-11-11 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: MS

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are multiple accounts on my credit report that contain serious errors, and I can no longer ignore them. These inaccuracies have been negatively impacting my life and credit score, preventing me from achieving financial stability and freedom. This situation has caused me immense stress and frustration, and I need it addressed promptly.

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 2025-11-11 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:
I am writing to file a dispute regarding the following accounts that are currently reported inaccurately on my credit report. Please review the details below : Experian : Charged Off Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/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 2025-11-11 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: TrueAccord Corp.
State: AL

Complaint narrative:
I am submitting this complaint because TrueAccord Corporation is attempting to collect, and has reported to the credit bureaus, a fraudulent collection account that resulted from identity theft. 

This account, reported as opened under my name, was not authorized, opened, or used by me. It appeared on my credit reports around XX/XX/year>, under the following details : Creditor / Furnisher : TrueAccord Corporation Account Number : XXXX Type : Other Collection Agencies Creditor Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I have never had any relationship or debt with TrueAccord or any creditor they represent. This collection entry is the direct result of identity theft, as verified in my official reports. 

I have already provided documentation confirming this crime to all major credit bureaus and am providing the same materials here for your records. 
Evidence and Supporting Documentation Attached to this complaint are the following documents verifying my identity theft claim and lawful dispute under FCRA 605B and 611 and FDCPA 807 ( 8 ) : Police Report # XXXX ( XXXX Police Department ) FTC Identity Theft Report Copy of government-issued ID Copy of current utility bill ( proof of address )

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
They are attempting to collect a {$300.00} administration in fee in which i reached out to corporate and they stated that is not correct and i never signed a lease so shouldnt had be charge the administrator fee. I only owe the applicator and the returned check fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding the unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent, and as a result, they have negatively impacted my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report can only be accessed for permissible purposes, and I did not provide authorization for these inquiries. Despite multiple attempts to address this issue, these inquiries remain unresolved. The FTC site is currently unavailable, which is why I am unable to create an FTC Identity Theft report at this time. I am requesting that these inquiries be immediately removed from my credit report as they were not made with my consent or for any valid, permissible reason. The continued presence of these unauthorized inquiries is a violation of my rights under the FCRA and is causing significant harm to my credit profile. I trust the CFPB will hold the responsible parties accountable and ensure the correction of this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am disputing the following accounts and inquiries that appear on my credit report with TransUnion. I believe they may contain inaccuracies and request a thorough investigation into these items. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXXXXXX XXXX, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX, Account Number : 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 2025-11-11 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: AL

Complaint narrative:
I am disputing the following items currently being reported on my TransUnion credit report : 1. Charged Off Account : XXXX, Account XXXX. XXXX, Date : XX/XX/year>, XXXX : {$1400.00} I do not recognize this account or any charged-off balance associated with it. Please verify the account details, including the original creditor, date of first delinquency, and proof that the account is valid. If TransUnion can not confirm these details, please remove this account from my credit report. 

XXXX. Late Payment : XXXX XXXX, Account XXXX. XXXX I am disputing the late payment history being reported. Please confirm the accuracy of this reporting with the original creditor and remove any unverifiable or inaccurate late marks.

Please conduct a reinvestigation as required under the Fair Credit Reporting Act and provide me with the results in writing.

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 2025-11-11 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: NV

Complaint narrative:
I am disputing the following items on my Equifax credit report that I believe are inaccurate or need further review. Please investigate and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5900.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

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

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I have reported this account as fraudulent to the original holder of the account which would be XXXX XXXX  and they were notified XXXX and XX/XX/year>, and were supposed to do an investigation, No proof of owed debt is provided which I do not owe any debt and as required under 15 U.S.C. 1681i, I demand deletion for failure to provide verification within the law it has been well over XXXX  days it has been over XXXX  months. I am reporting this account as fraudulent and demand Spring Oaks Capital to cease all collection activity and they need to cease and desist from continuing to try to collect this debt. XXXX, I am a victim of identity theft, in accordance with the Fair Debt Collection Practices act I am asking you to stop collection proceedings against me and stop communicating with me about this debt. I have notified the original owner of the debt that this account has been opened without my permission or knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-11-11 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX for account im very unaware of and never seen on my credit and I have never had account with this original company of comenity bank for {$390.00} I try to contact company and they have No idea or know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to request formal debt validation for the Capital One account referenced above. Recently, I became aware of a debt associated with this account, but I do not recognize the balance, or there is a potential discrepancy regarding the amount owed. To date, I have not received sufficient documentation or an explanation to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am disputing the following items on my Experian credit report. Please review and investigate the discrepancies : Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX : XX/XX/year> Late Payment : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This complaint concerns a collection tradeline being reported by Spring Oak Capital. Across the credit bureaus the data is internally inconsistent and unverifiable. Your own reporting shows conflicting account status ( Closed vs Open ), dates opened ( e.g., XX/XX/XXXX vs XX/XX/XXXX ), and Date of Last Activity ( e.g., XX/XX/XXXX vs XX/XX/XXXX ). My file also reflects Account not disputed even though I have disputed this account twice and more than XXXX  days have passed ( we operate in XXXX increments, so it has been XXXX days ). 
I have never received written validation of this alleged debt from Spring Oak Capital : no original creditor name, no chain of title/assignment, no itemized statement, no contract, no proof of ownership, and no explanation of how the claimed {$800.00} balance was calculated. Continuing to furnish and verify a collection without producing validation violates : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : failure to conduct a reasonable reinvestigation and provide results within XXXX  days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : failure to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : furnishing information known or should be known to be inaccurate.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : failure to cease collection/reporting absent validation. 
XXXX XXXX : requires consistent, complete, and uniform furnishing ( matching core identifiers, dates, status, and dispute codes ). 
The presence of contradictory dates/status and a missing dispute indicator while I have active disputes is a factual inaccuracy and a XXXX XXXX data-integrity failure. This tradeline can not remain unless it is validated and uniform across bureaus. 

Original creditor and contract ; complete payment history ; proof of ownership/assignment ; itemized balance calculation ; date of last payment/activity ; and confirmation that all reporting is FCRA/XXXX XXXX-compliant, and I sent this certified so don't act like you haven't received it-also disputed with bureaus as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I contacted Wells Fargo and was told that I should leave immediately. I had another issue with XXXX. XXXX XXXX  and they had no records of the XXXX account I opened with them.

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 2025-11-11 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: FL

Complaint narrative:
To Whom It May Concern, I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Received an text stating they could not approve my loan on XX/XX/2025. I did not apply for a loan.

Company response to consumer: Closed with explanation