vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-28 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: MO

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 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 2025-03-28 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: CA

Complaint narrative:
My social security number as well as Drivers License has been leaked on the dark web and my identity has been stolen. This account was open fraudulently. I contacted the company and explained that to them. I was informed to email the FTC report which I did. I was told the company would contact me within 48 hrs. Ive yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I also sent Freedom Mortgage notices asking to remove the PMI, pay the tax and pay my insurance separate but Freedom Mortgage have not respond to any of my requests. I made numerous requests by phone and after speaking to numerous representatives, I often get a message completely opposite to what was discuss. I worked to lower my insurance premium by over {$1500.00} less than the previous year, without a tax increased, my mortgage when up. 
They are so busy trying to get me to refinance. I am overwhelmed with notices to refinance but not responding to my concerns. 
See dates that I sent Freedom Mortgage notices with response from them! 

Loan Documents XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX General Inquiry XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Mortgage Insurance ( PMI or MI ) Inquiry XX/XX/XXXX Re : Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Loan Documents XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX General Inquiry XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Escrow Account ( Taxes or Insurance ) XX/XX/XXXX Mortgage Insurance ( PMI or MI ) Inquiry XX/XX/XXXX Re : Escrow Account ( Taxes or Insurance ) 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 2025-03-28 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-28 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, EXETER FINANCE LLCXXXX AND XXXX XXXX XXXX ALL DID HARD INQUIRIES AND REPORTED THEM ON MY CREDIT ON XXXX WITHOUT MY PERMISSION OR CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
My XXXX  XXXX credit balance was updated XX/XX/XXXX. It is XX/XX/XXXXXXXX  and Experian has not updated my XXXX XXXX balance but has updated all others. I contacted XXXX XXXX and they said they submitted the information to Experian back in XXXX and again XX/XX/XXXX for the latest statement. I went onto Experian 's website and tried to submit a dispute for the account balance, which had reduced for XXXX, and their online website does not allow me to submit the dispute. I called 3 different phone numbers trying to get to a specialist/representative but their automated systems only have preset messages without allowing you to speak to a representative. So, if I can't file a dispute online and I can't call in to ask for help. What am I supposed to do about the impact this has had on my credit score? Unethical.

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 2025-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I first got a call regarding a XXXX XXXX card which I dont have, when I stated that they said see you in court and hung up. Then yesterday I got a call they are sending documents I need to sign and would I be XXXX said no and they said its for a XXXX  XXXX credit card I never paid. I actually have made payments to XXXX XXXX and called them to verify that today. 

Today I got a very suspicious email asking for me to sign a document with no attorney listed that I can XXXX. Seems like a scam to get my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XXXX  inquiry which I did not do on XX/XX/year> Also have other credit card which I dont have of XXXX XXXX the only one I have is the jewelry which I owe Please contact me XXXX This is affecting my credit Please also if any old close account be remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I was shocked to find incorrect accounts on my credit report this morning, and I have no clue how they ended up there. I check my report regularly, but this time, I noticed errors that hadnt been there before. I attempted to refresh my browser, hoping it was a mistake, but the inaccuracies remained. As a result, I request a detailed review of the documents I have submitted to prevent this from happening again.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My personal information has been stolen and I filed a police report in XXXX of XXXX, as well as a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing to formally request that you remove all personal information pertaining to me from Early Warning Services records and systems. Furthermore, I request that you take the necessary steps to block your organization from accessing, processing, or viewing my personal data in the future. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) this debt is due to Identity Theft and per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) : This section grants consumers the right to block information resulting from identity theft from being shared by consumer reporting agencies, such as Early Warning Services , LLC. Upon providing proper documentation, the agency must block the fraudulent information within four business days. 

Please find my details below for identification purposes : Consumer ID : XXXX Fraudulent Item ( XXXX ) : Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$210.00} Fee Reversal : {$64.00} Fraudulent Item ( s ) : Contributor : XXXX XXXX  Contribution Ref # : XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXXXXXX  Principal Loss : {$1700.00} I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and any other applicable privacy laws that may be relevant to this request. Kindly confirm in writing once my data has been deleted from your system and confirm that Early Warning Services , LLC will no longer have access to or retain any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: WI

Complaint narrative:
On or about XX/XX/XXXXXXXX  I called Equifax Credit Bureau about inquiries on my consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I ask that these inquiries be removed immediately per FCRA 605B ( 15USC 1681c-2 ) and 15 USC 1681B . The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-28 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-03-28 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: VA

Complaint narrative:
This is my third attempt to resolve this matter. A previous complaint was submitted under CFPB XXXX XXXX XXXX. Spring Oaks Capital SPV , LLC continues to inaccurately report a debt to consumer reporting agencies despite failing to provide legally sufficient documentation verifying the debt. 

In response to my disputes, the company provided a generic bill of sale and assignment agreement that does not reference my name, account number, or any identifying data connecting me directly to the alleged account. These blanket agreements between institutions are not valid contracts under UCC Article 3 & 9 or the FCRA, and they do not satisfy debt verification requirements per 15 U.S.C. 1692g ( b ) or 15 U.S.C. 1681s-2 ( b ).

The company also submitted an alleged online application that : Lacks a physical or digital signature, Does not include a signed agreement or original account-level documentation, Is insufficient to prove a legally binding obligation under contract law.

Under FCRA 611, if a company can not verify information with complete accuracy, it must be deleted. Spring Oaks repeated failure to provide full validation violates both FCRA and FDCPA, yet the company continues to cause harm by reporting this unverifiable account.

I respectfully request the CFPB initiate enforcement or refer for legal action if the company fails to fully delete this account or compensate me for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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

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 2025-03-28 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief