vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: NC

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. 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 explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), I dispute the accuracy and completeness of the tradelines below. Per Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ), numeric codes or automated confirmations are not proof. You must obtain independent verificationoriginal running statements/ledgers showing due date, receipt, and posting for each alleged late month. If not verified to that standard within 30 days, delete under 611 ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX Bank ( Acct ending { XXXX } ) o Quoted defects : Open + CollectionOrChargeOff ; Dispute resolved consumer disagrees ; Was XXXX days late XXXX time ( XXXX ). 
o Metro-2 breaches : Account Status ; Portfolio Type ; Payment History Profile ; Special Comment/CCC. 
o All late months disputed. Provide ledger for every late month and chain-of-assignment/ownership. 
XXXX. XXXX XXXX ( Acct ending { XXXX } ) o Quoted defects : Open while coded XXXX ; no XXXX furnished. 
o Metro-2 breaches : Account Status ; DOFD ; PHP ; XXXX Comment. 
o All late months disputed. Produce full ledger and charge-off documentation. 
XXXX. * * XXXX XXXX ( Acct ending { XXXX } and { XXXX } ) o Quoted defects : Status : Negative while XXXX, {$0.00} past-due, and dispute resolved. 
o Metro-2 breaches : Account XXXX ; PHP ; XXXX Comment/CCC. 
o All late months disputed. Provide ledger for each month alleged late. 
XXXXXXXX XXXX XXXX  XXXX ( Acct ending { XXXX } ) o Quoted defects : TU shows higher late counts vs. other bureaus ; Negative while XXXX. 
o XXXX breaches : PHP ; Account XXXX ; XXXX XXXX. 
o All late months disputed. Provide itemized ledger by month. 
XXXX. * * XXXX XXXX ( Acct ending { XXXX } ) o Quoted defects : Negative despite AsAgreed/ {$0.00} ; alleged XXXX lates require ledger proof. 
o XXXX breaches : Account Status ; PHP ; XXXX XXXX. 
o All late months disputed. 
XXXX. XXXX XXXX XXXX XXXX Acct ending { XXXX }, Closed ) o Quoted defects : Closed/zero but persists as XXXX ; Was XXXX, XXXX. 
o XXXX breaches : Account Status ; DOFD ; PHP ; XXXX Comment. 
o All late months disputed. 
XXXX. * * XXXX, XXXX ( Acct ending { XXXX } ) o Quoted defects : Past-Due = full balance ; charge-off classification/unverified DOFD. 
o XXXX breaches : Portfolio Type ; Current Balance ; Past-Due ; DOFD ; PHP. 
o All late months disputed. 
XXXX. * * XXXX XXXX / XXXX XXXX ( Acct ending { XXXX } ) o Quoted defects : OC/assignment coding conflicts; paid less than full plus collection narrative. 
o XXXX breaches : Creditor Classification/OC ; Account XXXX ; Special Comment. 
o All late months disputed.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring Oaks Capital LLC Account Type : Collection Original Creditor : A small unsecured consumer lender ( likely a revolving or XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened/ Placed for Collection : XX/XX/year> Date Reported/ Updated : XX/XX/year> Status : Active collection derogatory Remarks : Placed for collection ; consumer disputes this account information. 
Reported To : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX2025 I did a wire transfer to Bank of America in the amount of XXXX to purchase a XX/XX/XXXXXXXX XXXX truck. After several days ( XXXX ) I realized this outfit (XX/XX/XXXX ) was a fraud. I have reported this to the Ohio Attorney General, Arizona Attorney General, XXXX XXXX XXXX ( OHIO ), XXXX XXXX XXXX ( Arizona ), XXXX, Elder abuse fraud, etc. I have gotten very little response from anyone. XXXX Bank has contacted Bank of America and have not gotten any response from them as of this date. The above auto company still has the truck advertised for sale on their website. Vin XX/XX/XXXXXXXX

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 2025-10-08 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation and verification of this debt, including all documentation supporting your legal right to collect it.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided.

Specifically, I am requesting the following : Debt Validation, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of [ Your State ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this debt is properly validated. Under 15 U.S.C. 1692c ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt. 
If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus. 
Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my TransUnion credit report and discovered that it contains inaccurate and outdated personal information that does not belong to me or no longer reflects my current status. Specifically, my report lists an incorrect name variation ( XXXX, XXXX, XXXX XXXX and two old addresses ( XXXX XXXX, XXXX FL XXXX, and XXXX XXXX, XXXX FL XXXX ) which I have not used in years. 

These inaccuracies are creating unnecessary confusion and risk of misidentification. I also noticed that my employment information is outdated, showing a former employer that no longer reflects my current situation. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), consumers have the right to have only accurate, complete, and verifiable information in their credit files. I provided clear and verifiable documentation, including a copy of my government-issued ID, a current utility bill, a bank statement, and a phone bill all confirming my correct name ( XXXX XXXX XXXX XXXX and current address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. 

Despite this, TransUnion has continued to report inaccurate information that negatively affects my creditworthiness, identity verification processes, and ability to obtain credit, housing, and other financial services. These errors are not minor they are a direct violation of my rights under federal law, as they misrepresent my identity and financial profile.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my report that are inaccurate and not properly verified.

I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without validation or proper documentation. Under 15 USC 1681 s2a, furnishers must report accurate information under 15 usc 1681 I the credit bureaus must perform a reasonable investigation with proof of documentation, which i have not received within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 previously disputed this account with XXXX XXXX XXXX. On XX/XX/year>, Experian reported it as verified, but they did not provide any documentation or explain how the verification was done, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). I have requested a full reinvestigation with complete verification, including all supporting documentation and contact information of the party who verified the account. If they can not provide this, the account should be deleted from my credit file.

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