vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 2 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : $ {$1200.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 4 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX  XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. XXXX ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 6 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX This account is not mine. Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX  XXXX  Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding UPGRADE INC, who has failed to send me a copy of the 1099-C form for the charged off amounts of {$4900.00} ay 2024 and {$6000.00} XX/XX/year>. Despite my repeated requests for this documentation, UPGRADE INC has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : Internal Revenue Code ( IRC ) 6050P : This statute requires creditors to report the cancellation of debt, including issuing a 1099-C form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt. 

Consumer Financial Protection Act ( CFPA ) : Under the CFPA, any unfair, deceptive, or abusive acts in connection with the collection of debts are prohibited. Attempting to collect on a debt that is charged off raises concerns under this legislation. 
The absence of the 1099-C form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by UPGRADE INC . The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Formal Complaint and Demand for Proper Validation To Whom It May Concern, I am writing in response to the incomplete and insufficient documentation provided to me in connection with the alleged debt you claim I owe. The documents you sent consist primarily of a generic Bill of Sale and assorted bulk transfer paperwork between third-party entities, none of which provides clear, substantive proof that I am legally obligated to pay this debt. 

What Your Response Lacks : No original signed agreement between myself and the original creditor. 
No account-level documentation showing how the alleged balance was calculated. 
No detailed payment history showing how you arrived at the current amount you claim is owed. 
No documentation tying this specific debt to me, my signature, or my legal obligation to pay. 
These omissions are unacceptable and fail to meet the basic requirements for validation under the Fair Debt Collection Practices Act ( FDCPA ). The generic documentation provided is insufficient to legally establish ownership, accuracy, or my liability for the debt. 

Formal Demand I hereby demand that Spring Oaks Capital LLC cease all collection efforts until such time as you provide : A copy of the original signed contract with the original creditor. 
A complete and itemized account history from inception to present, showing all charges, payments, fees, and interest. 
Specific evidence that this alleged debt is tied directly to me. 
Bill of sale with account numbers of credit bought from XXXX to prove ownership. 
Credit Reporting Additionally, you are furnishing information to the credit bureaus that is unverified and inaccurate, which is a potential violation of the Fair Credit Reporting Act ( FCRA ). I am formally requesting that Spring Oaks Capital LLC immediately request deletion of this account from all three credit bureaus until such time that you are able to provide proper, documented proof. 

Final Notice If you fail to provide the requested information within 30 days, I will consider all further collection and reporting efforts to be in violation of federal law and will pursue all remedies available to me, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as exploring my rights to seek damages under the FDCPA and FCRA. 

This is not a refusal to pay but a demand for your compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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 writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
Dear Experian, I am writing to dispute the XXXX tradeline account associated with my name and Social Security number. This account was opened without my knowledge or consent, and I believe it is a result of identity theft. 

On XX/XX/year> discovered the unauthorized XXXX account while reviewing my credit report. I have never applied for or used XXXXXXXX XXXX services, and I did not authorize anyone to open an account in my name. 

I request that you immediately remove the XXXX tradeline account from my credit report and take steps to protect my personal information from future unauthorized access. I would appreciate it if you could also provide me with a confirmation in writing once the account has been removed. 

I have contacted this company multiple times to advised them my inform was published to this bureau without my consent & fraud but their not doing anything to resolve my issue and asking that I speak with you guys. No one is doing their due diligence and prolly send my proof that this is my account and removing this information. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.

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 2025-02-28 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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion and XXXX for failing to properly investigate and correct unauthorized student loan accounts on my credit report. 

I discovered that XXXX has reported student loan accounts to TransUnion without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The U.S. Department of Education can not assign permissible purpose to a third party, making this an unlawful disclosure of my personally identifiable financial information. 

I sent formal disputes to TransUnion requesting the removal of these unauthorized accounts and documentation verifying that I had consented to this reporting. I also cited 18 U.S.C. 1028A ( Aggravated Identity Theft ) due to the unauthorized use of my private information. 

TransUnion 's Failure to Comply : 1. Failure to Verify Authorization : TransUnion has not provided any documentation proving I signed a contract permitting XXXX to report these accounts. 

2. Failure to Remove Unauthorized Accounts : Despite being notified that this reporting was improper, TransUnion continues to report these accounts, damaging my credit. 

3. Noncompliance with FCRA ( 15 U.S.C. 1681i ) : TransUnion has failed to conduct a proper investigation and correct this error within the legally required 30-day timeframe. 


If this issue is not resolved promptly, I am prepared to take further action, including filing a complaint with my state Attorney General 's Office and pursuing legal remedies.

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 2025-02-28 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
My name is XXXX XXXX, My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of the student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and resulting compromise to my personal and financial information. I request that you immediately cancel my student loan and debt. You have five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of the student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and resulting compromise to my personal and financial information. I request that you immediately cancel my student loan and debt. You have five business days.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of the student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and resulting compromise to my personal and financial information. I request that you immediately cancel my student loan and debt. You have five business days.

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 2025-02-28 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: KS

Complaint narrative:
I came across the CFPB Experian Lawsuit The exact things that CFPB is suing Experian for are listed in my disputed accounts that Experian failed to verify by marking them verified. 

Impact on me.. My Credit score remains inaccurate, affecting my ability to get a loan, job and mortgages.I have been subjected to undue stress and financial hardship

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 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am filing a dispute against National Credit Systems and XXXX XXXX. 

I moved into XXXX XXXX  in XXXX and was paying rent of $ XXXX  monthly ( HUD Housing ). 

In XXXX, XXXX filed an eviction against me after numerous times losing in court against me. I filed XXXX escrows in XXXX as the landlord had blocked the platform for me to pay rent. The first escrow was released to the landlord after the 2nd dismissal. The first eviction dismissal was voluntary on the landlord 's side and the second eviction was dismissed by the court. 

I filed a second escrow again and the landlord asked the court to release the money to me. In XXXX, they filed 2 evictions against me and the first one was voluntary dismissed again by the landlord and the second eviction was granted because I did not show up to court as I had prepared to move out. The landlord also filed a money lawsuit against me which was dismissed by the judge in XX/XX/XXXX. 

In XX/XX/XXXX I got a credit collection on my account ( even though the court had not yet filed a decision ) in the amount of {$10000.00} filed by XXXX XXXX with National Credit Systems with a fictitious bill with no merit. I filed a dispute with National Credit System and they dismissed it saying I did not have enough evidence. In XX/XX/XXXX, I got an email from them saying I can settle for half the amount by XX/XX/XXXX. I will not be doing that and I will not pay a single cent to these thieves.

Company response to consumer: Closed with explanation