vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report. Below are the details of the accounts that I am disputing with each credit bureau : Charged-Off Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4900.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : 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

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 2025-11-21 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-21 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: SC

Complaint narrative:
This letter is a formal request for full validation of every debt you claim I owe. You are reporting accounts to one or more credit bureaus without providing documentation proving the debt is valid. This request is made under 15 USC 1692g of the FDCPA.

I am requesting the following for each debt you claim to be collecting : The original signed contract or agreement showing I entered into the alleged debt.

A complete payment history showing how the amount was calculated.

Proof you have legal ownership or assignment of the debt.

Proof the debt is not time-barred.

Verification of the original creditors name and address.

Until you provide the required validation, you must cease all collection activity and stop reporting the debt to any credit bureau. Continuing to verify an unvalidated debt is a violation of the FDCPA and FCRA, including 15 USC 1692e and 15 USC 1681s-2.

If proper validation is not provided within 30 days, you must delete the account from all credit bureaus.

This request applies to all collectors reporting accounts under the following names : SpringOaks, SpringOaks Capital, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and any other agency reporting accounts under my credit profile. 
My correct personal information is : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX This request is being made in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 requesting a reinvestigation of the following items on my TransUnion credit report. I believe these entries may contain errors or unverifiable information, and I ask TransUnion to carefully review these accounts and remove or correct anything that can not be validated. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXXXX/XX/XXXX, {$1900.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$5000.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX, XXXX, XX/XX/XXXX, {$3900.00} XXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$5400.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} INQUIRIES XXXX, 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-21 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:
The reported information appears to mischaracterize my financial activity. I request a detailed review and appropriate modification.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
The data reported in this item is incorrect and misrepresents my financial conduct. Please revise it to ensure accuracy.

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 2025-11-21 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 filing this complaint because Experian is reporting an account that I believe is inaccurate or unverified. I disputed this information directly with Experian, but it remains on my report without proper validation. 

CHARGED-OFF ACCOUNT IN DISPUTE XXXX / XX/XX/XXXX Acct : XXXX Reported XX/XX/year> Balance : XXXX This account appears outdated and potentially outside the allowable reporting period. Experian has not provided any documentation verifying its accuracy, ownership, or current reporting status. 

I request that Experian provide full verification or delete the account if it can not be validated in accordance with the FCRA. 

Thank 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 explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX OF XXXX - XX/XX/year> XXXX - XX/XX/year> 2025

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 2025-11-21 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: IL

Complaint narrative:
Re : Credit Report Dispute Experian Reporting Fraudulent Accounts, Unauthorized Inquiries, and Collections To Whom It May Concern : I am writing to formally dispute inaccurate and fraudulent information being reported by Experian on my credit report. I have previously submitted a complaint to theXX/XX/XXXXAttorney Generals Office regarding these issues and now request the CFPBs assistance to ensure correction. 

Details of Dispute : XXXX. Fraudulent Accounts : Experian is reporting XXXX ( XXXX ) accounts opened with XXXX XXXX that were not authorized by me. I have attached the FTC Identity Theft Report and supporting documentation evidencing that these accounts are fraudulent. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has recorded multiple inquiries on my credit report that I did not authorize. These inquiries appear to be linked to the fraudulent accounts referenced above. 
XXXX. Collections Accounts : Experian is also reporting XXXX collections accounts that are inaccurate : XXXXXX/XX/XXXXNot authorized or valid XXXX XXXX XXXX Not authorized or valid XXXX. Data Breaches : I am a confirmed victim of XXXX data breaches involving : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have attached documentation and evidence of these breaches, demonstrating how my personal information may have been compromised. 

Request Under FCRA : Under the Fair Credit Reporting Act ( FCRA ), I request that Experian : Block and remove all fraudulent accounts, unauthorized inquiries, and inaccurate collections immediately ( 15 U.S.C. XXXX ), Conduct a reasonable investigation and verify the accuracy of all disputed items ( 15 U.S.C. XXXX ), Update my credit report to reflect that these accounts, inquiries, and collections are fraudulent and unauthorized. 

Please confirm in writing that these fraudulent accounts, unauthorized inquiries, and inaccurate collections will be removed and provide me with a corrected copy of my credit report. I have attached all supporting documents, including the FTC Identity Theft Report, proof of XXXX XXXX fraudulent accounts, proof of inaccurate collections, and documentation of data breaches, to facilitate your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Attachments : XXXX. FTC Identity Theft Report XXXX. Proof of XXXX XXXX fraudulent accounts XXXX. Documentation of XXXX XXXX and XXXX XXXX XXXX inaccuracies XXXX. Documentation of data breaches ( XX/XX/XXXX XXXX XXXX, XXXX ) XXXX. Any previous correspondence with Experian or the Attorney General

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 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is reporting inaccurate and inflated balances on my credit report and has failed to provide required proof of debt despite multiple requests. 

Details of the Complaint : On XX/XX/year>, I mailed Hunter Warfield a formal debt validation request via certified mail. The XXXX tracking number is XXXX. They received my request, but I never received any validation documents, itemized statements, or proof that the debt is accurate or owed. 

On XX/XX/year>, I called Hunter Warfield to follow up. I was told they were waiting on a response from the client and had no information to provide. As of today, it has been over a month since my written request, and they still have not provided documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite failing to validate the debt, Hunter Warfield continues to report inaccurate and inconsistent balances to the credit bureaus. 
Original balances : {$720.00} and {$1600.00} Now reporting : {$790.00} and {$1700.00} These amounts have increased without proper explanation or supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name DEPT OF EDUCATION/XX/XX/XXXX Account number XXXX Account typeXX/XX/XXXX Date opened XX/XX/XXXX Balance {$1800.00} Account name DEPT OF EDUCATION/XX/XX/XXXX Account number XXXX Account typeXX/XX/XXXX Date opened XX/XX/XXXX Balance {$1800.00} Account name DEPT OF EDUCATION/XX/XX/XXXX Account number XXXX Account type XX/XX/XXXX Date opened XX/XX/XXXX Balance {$3100.00} Account name XX/XX/XXXXAccount number XXXX Account type XX/XX/XXXXl Date opened XX/XX/XXXX Balance {$800.00}

Company response to consumer: Closed with explanation