vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My recent credit report along with the previous reports from Experian has my social security number listed incorrect. I would like to know how items were added to my Experian credit report without properly identifying me? I have my printed credit report and I also have my social security card for proof.

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital is reporting a collection account that I did not open, authorize, or agree to. I have not been provided with any original documentation bearing my signature or any legally binding agreement establishing liability. 
Under 15 U.S. Code 1681s-2 ( FCRA Section 623 ) and 15 U.S. Code 1692g ( b ) ( FDCPA Section 809 ), furnishers of information must conduct a reasonable investigation and fully verify the debt when challenged. 
Validation does not mean providing internal records, generic account summaries, or unverifiable data. The only acceptable form of verification under the law is a signed contract or legal instrument proving I am obligated to this debt. 
Reporting this tradeline without proper

validation is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is inaccurate or unverifiable. If Spring Oaks can not produce a sign
ed agreement that proves I am legally responsible for this account, then continued reporting constitutes willful noncompliance with federal law, and I am demanding immediate removal of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To : Experian I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identity theft report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 

My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In adition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report. 

Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
Uprova is requiring your bank account information before approval or denial of loans. Youre unable to access your account information also. This sounds like a scam.

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 2025-05-03 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: MD

Complaint narrative:
I am writing to file a formal complain against EXPERIAN, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material my credit report. 

On XX/XX/year>, I sent a letter to EXPERIAN, notifying them of the reinsertion of XXXX, Account number : XXXX, into my credit repot without proper certification of accuracy and notification to me, as mandated by FCRA section 611 ( b ). Despite waiting for 35 days after sending the letter, EXPERIAN has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. EXPERIAN 'S actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-05-03 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: NJ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am writing to formally dispute inaccurate information being reported on my consumer credit reports by Equifax, TransUnion, and Experian regarding the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Specifically, both TransUnion and Experian are reporting a XXXX late payment for XX/XX/XXXX and XX/XX/XXXX, while Equifax is reporting a 30-day late payment for XX/XX/XXXX and XX/XX/XXXX. These entries are inconsistent, contradictory, and inaccurate. These accounts need to be corrected to reflect Paid on time, Paid as agreed, or Current status. The reported delinquencies do not align across bureaus and are therefore unreliable and in violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires that consumer reporting agencies ensure the maximum possible accuracy of the information they report.

Furthermore, I did not provide written authorization for the reporting of this information, which is a direct violation of 15 U.S. Code 1681b ( 2 ), stating that consumer data can not be accessed or used without the consumers explicit written consent. I hereby request a detailed response outlining the findings of your investigation, including documentation of any original instructions from mebearing my wet signatureauthorizing the reporting of these entries, as well as the specific purpose for reporting these late payments. 

Additionally, I request verification of compliance with 15 U.S. Code 1666b, which mandates that periodic billing statements must be delivered at least 21 days before the payment due date. Please provide copies of the relevant billing statements and corresponding tracking numbers to confirm timely delivery. 

I have attached documentation highlighting the inaccuracies for your review and expect a thorough investigation as required under Section 604 ( a ) ( 3 ) of the FCRA. Please provide written confirmation of the investigations completion and any corrective actions taken. I look forward to receiving your response within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter.

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 2025-05-03 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: NJ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am writing to formally dispute inaccurate information being reported on my consumer credit reports by Equifax, TransUnion, and Experian regarding the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Specifically, both TransUnion and Experian are reporting a XXXX late payment for XX/XX/XXXX and XX/XX/XXXX, while Equifax is reporting a 30-day late payment for XX/XX/XXXX and XX/XX/XXXX. These entries are inconsistent, contradictory, and inaccurate. These accounts need to be corrected to reflect Paid on time, Paid as agreed, or Current status. The reported delinquencies do not align across bureaus and are therefore unreliable and in violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires that consumer reporting agencies ensure the maximum possible accuracy of the information they report.

Furthermore, I did not provide written authorization for the reporting of this information, which is a direct violation of 15 U.S. Code 1681b ( 2 ), stating that consumer data can not be accessed or used without the consumers explicit written consent. I hereby request a detailed response outlining the findings of your investigation, including documentation of any original instructions from mebearing my wet signatureauthorizing the reporting of these entries, as well as the specific purpose for reporting these late payments. 

Additionally, I request verification of compliance with 15 U.S. Code 1666b, which mandates that periodic billing statements must be delivered at least 21 days before the payment due date. Please provide copies of the relevant billing statements and corresponding tracking numbers to confirm timely delivery. 

I have attached documentation highlighting the inaccuracies for your review and expect a thorough investigation as required under Section 604 ( a ) ( 3 ) of the FCRA. Please provide written confirmation of the investigations completion and any corrective actions taken. I look forward to receiving your response within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report and to request the removal of a student loan account XXXX that I believe is being reported in error. This account is the result of identity theft. I did not apply for, authorize, or benefit from this student loan. I am requesting that this fraudulent account be removed from my credit file immediately under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 
I obtained a copy of my credit report from your agency and noticed that the following account is inaccurately reported : Creditor Name : XXXX Account Number : XXXX 15 USC XXXX 15 USC XXXXg

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
I am writing to formally dispute inaccurate information listed on my credit report and to request the removal of a student loan account XXXX that I believe is being reported in error. This account is the result of identity theft. I did not apply for, authorize, or benefit from this student loan. I am requesting that this fraudulent account be removed from my credit file immediately under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 
I obtained a copy of my credit report from your agency and noticed that the following account is inaccurately reported : Creditor Name : XXXX Account Number : XXXX 15 USC XXXX 15 USC XXXXg

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report and to request the removal of a student loan account XXXX that I believe is being reported in error. This account is the result of identity theft. I did not apply for, authorize, or benefit from this student loan. I am requesting that this fraudulent account be removed from my credit file immediately under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 
I obtained a copy of my credit report from your agency and noticed that the following account is inaccurately reported : Creditor Name : XXXX Account Number : XXXX 15 USC XXXX 15 USC XXXXg

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 2025-05-03 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: TN

Complaint narrative:
I mailed a certified debt validation letter to the address listed on my credit report for XXXX XXXX XXXX ( XXXX Naturally XXXX XXXX, XXXX, GA ), but USPS returned it as undeliverable. This raises serious concerns about the accuracy and legitimacy of the information they are furnishing to the credit bureaus. TransUnion lists a completely different address ( XXXX XXXX XXXX XXXX, XXXX XXXX ), showing inconsistent and unreliable reporting. This violates the Fair Credit Reporting Act ( FCRA ). No documentation has been provided to validate this debt. I request deletion of the account from all credit reports if it can not be verified with accurate and complete information.

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 2025-05-03 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: TN

Complaint narrative:
I mailed a certified debt validation letter to the address listed on my credit report for XXXX XXXX XXXX ( XXXX Naturally XXXX XXXX, XXXX, GA ), but XXXX returned it as undeliverable. This raises serious concerns about the accuracy and legitimacy of the information they are furnishing to the credit bureaus. TransUnion lists a completely different address ( XXXX XXXX XXXX XXXX, XXXX XXXX ), showing inconsistent and unreliable reporting. This violates the Fair Credit Reporting Act ( FCRA ). No documentation has been provided to validate this debt. I request deletion of the account from all credit reports if it can not be verified with accurate and complete information.

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 2025-05-03 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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. 
XXXXXXXX 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 explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. Pursuant to XXXX U.S.C. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under XXXX U.S.C. XXXX ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in XXXX U.S.C. XXXX ( XXXX ). I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX USC sections XXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/scrub>XXXX : Was notified by email that my money withdrawals from my high yield savings accounts were cancelled and that I needed to call Goldman Sachs, so I made 3 phone calls to Goldman Sachs on that day. After conducting three way calls with my external bank accounts in which I verified my identity, was told that the issue was handled and that I can now withdraw money, so I did.

XX/XX/XXXX : Was once again told that my money withdrawals were cancelled. Once I again I made 3 phone calls to Goldman Sachs on that day. This time, I was redirected to speak with the security department, and they told me that they needed me to sign an affidavit of identity before I can withdraw my money from the account. I asked if my account has been frozen after doing some research but they were unwilling to say whether it was, only that I needed to verify my identity first, and that they would send the affidavit to me by postal mail, which I was told to wait for 10 business days to receive.

XX/XX/XXXX : I printed out a copy of the affidavit of identity from Goldman Sach 's website since I did not receive any thing by the letter, had it be notarized, and sent it directly to Goldman Sachs about a week ago. I then called Goldman Sachs to ask whether or not Goldman Sachs have processed the letter since they should have received it by then, but was told to wait for further contact by email.

XX/XX/XXXX : Once again called Goldman Sachs enquiring about whether the affidavit of identity has been processed, but this time was told that I must sign and notarize the affidavit of identity that they send to me through the post. When I told them that I haven't received it previously, the customer service agent told me they will send it to me again. When asked what if I don't receive it still, told me to submit a complaint at the CFPB.

XX/XX/XXXX : Waited for 10 business days and still have not received the affidavit of identity from Goldman Sachs.

Company response to consumer: Closed with explanation