vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this Report because i have pulled my recent credit report and i see several unauthorized negative accounts reporting to my profile. These are not mines and i have never provided my signature to these accounts. They are harming my credit drastically. I have tried to resolve this with the credit agencies ( TRANSUNION, EQUIFAX, EXPERIAN ) but no luck. I ask to have these investigated and removed. I have listed the accounts below. Please help. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX Date Opened : XXXX Balance : {$850.00}

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 2025-06-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presum that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Reporting inaccurate information, inquiries, and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SFMC L.P.
State: TX

Complaint narrative:
I submitted a complete loss mitigation application and have been in ongoing communication with the loss mitigation team for over a month. I was informed that my application is complete and under review, but I have been repeatedly transferred between departments without clear resolution. Despite multiple written and verbal requests, the foreclosure sale on my home has not been paused. 

My loan was transferred from the previous servicer during my financial hardship. When I regained employment and was prepared to discuss repayment options, I found out that the loan had already been marked for foreclosure. I was not given a fair opportunity to resolve the situation before foreclosure proceedings were initiated, despite my consistent efforts to communicate and seek assistance.

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 2025-06-14 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: VA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT. THERE ARE FRAUDULENT ITEMS REPORTING ON MY CREDIT REPORT WHICH ARE A DIRECT RESULT OF IDENTITY THEFT. THIS I HAVE REACHED OUT TO ALL 3 CREDIT REPORTING AGENCIES IN TRANSUNION, EQUIFAX AND EXPERIAN. AND ALTHOUGH THEY HAVE REMOVED A FEW FRAUDULENT ITEMS, THERE STILL REMAINS A FEW. 


I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, still a few left. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I will also attach my USPS Return Green slips indicating the credit agencies have received this information from me on said stamped dates. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting IN FEDERAL COURT.

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 2025-06-14 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: VA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT. THERE ARE FRAUDULENT ITEMS REPORTING ON MY CREDIT REPORT WHICH ARE A DIRECT RESULT OF IDENTITY THEFT. THIS I HAVE REACHED OUT TO ALL 3 CREDIT REPORTING AGENCIES IN TRANSUNION, EQUIFAX AND EXPERIAN. AND ALTHOUGH THEY HAVE REMOVED A FEW FRAUDULENT ITEMS, THERE STILL REMAINS A FEW. 


I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, still a few left. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I will also attach my USPS Return Green slips indicating the credit agencies have received this information from me on said stamped dates. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting IN FEDERAL COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Capital One is withholding my state tax refund without justification To whom it may concern, I am XXXX XXXX XXXX  who filed my U.S taxes for the XXXX tax year. Since I didnt have a U.S bank account, I received my state tax refund to a Capital XXXX account that belongs to a trusted friend, with her full knowledge and consent. 

The refund was deposited on XX/XX/XXXX and a few days later, Capital One restricted the account. Since then, we have made multiple phone calls and followed all instructions for identity verification. 
Despite all of this the account remains frozen. 
Each time we call, Capital One gives a different excuse, often claiming the case is under review but providing no timeline or real resolution. My friend - The accountholder- has also had her payroll deposits blocked as a result. 

This is extremely frustrating and unjustified. the funds came directly from the state goverment ( not a private party ), and there has been no fraud or suspicious activity. 

I also contacted the IRS, and they confirmed that the funds were successfully sent and

that Capital One responsable for releasing or returning them. I am requesting that Capital One : - Immed
iately release the tax refund, or - Return the funds to the IRS so I can request a reissue I would also like a clear explanation of why this money has been withheld for so long. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Account holder )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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: NC

Complaint narrative:
On XXXX I submitted a complaint to Experian via the CFPB.gov website. 
The CFPB.gov Complaint ID is XXXX. 

It has been over the mandatory XXXX  days that my dispute was submitted. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, CRAs are required to respond to a consumer 's dispute within XXXX days and if no response then CRAs are required to delete disputed items off a consumer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: KS

Complaint narrative:
On XX/XX/year>, I received an online installment loan from Crane Lending, LLC ( d/b/a Crane Finance ) for {$620.00}. Over 9 months, I repaid a total of {$2800.00}, which included an APR of 696.84 %. I reside in XXXX, Kansas, and discovered that Crane Finance is not licensed to operate in the state. Kansas law places strict limits on lending practices and interest rates. 

Crane Finance claimed tribal sovereign immunity and refused a refund, despite offering no legal authority to lend in Kansas. I believe this loan violated the Kansas Uniform Consumer Credit Code ( UCCC ), and I am requesting the CFPB investigate and hold this lender accountable for predatory practices. 

I am also seeking reimbursement of the excessive finance charges and support in ensuring this does not negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-14 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: PA

Complaint narrative:
Please see supporting documentation pertaining to Equifax identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * Equifax Information Services LLC XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Fraudulent Accounts - Request for Removal To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft. The following accounts have been erroneously listed on my credit report and are not authorized by me : XXXX. * * XXXX XXXX XXXX * * Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$400.00} XXXX. * * XXXX XXXX * * Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$490.00} XXXX. * * XXXX * * Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$690.00} XXXX kindly request that these accounts be investigated and removed from my credit report as they are fraudulent. Attached are copies of my identity theft report and any supporting documents for your reference. 

Please confirm in writing once these accounts have been removed. Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint Springs Oak Capital LLC regarding their failure to provide sufficient validation for a debt they are attempting to collect from me. Despite my repeated requests for verification, I have not received the necessary documentation proving I owe this debt or that I signed a valid contract obligating me to pay them. 
On XX/XX/year>, I sent a written request to Springs Oak Capital LLC requesting validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested a signed contract or any documentation showing my legal obligation to repay this debt. To date, I have not received any response that includes a signed agreement, contract, or proof that I owe them this debt. 
As a result, I sent a second request for validation on XX/XX/year> as I am entitled to under the FDCPA. It has now been more than 15 days since that second request, and I still have not received any adequate response or documentation from Springs Oak Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
Equifax is showing I have a balance on my Florida department of education account and I have submitted that I owe {$0.00} and they have not updated my account

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 2025-06-14 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: FL

Complaint narrative:
Equifax is showing I have a balance on my Florida department of education account and I have submitted that I owe {$0.00} and they have not updated my account

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