vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am filing this complaint against both TransUnion and XXXX XXXX XXXX in relation to an alleged debt reported under the partial account number XXXXXXXX XXXX XXXX XXXX XXXX. 

Issues : XXXX. Failure to Provide Legal Disclosures : Both TransUnion and XXXX XXXX XXXX failed to provide the proper consumer disclosures as required under federal law. As a consumer, I am entitled to full and transparent disclosure of any debt being reported or collected under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have not received these disclosures.

2. No Proof of Authority to Collect : XXXX XXXX XXXX has not provided any documentation or evidence showing they have the legal authority to collect on this alleged debt. I am requesting the full chain of title/ownership, including : The original creditor Any assignments or transfers of ownership Legal documentation granting XXXX XXXX XXXX the right to collect 3. No Right to Dispute Notice Provided : I was never provided my right to dispute the debt within 30 days of initial contact, as mandated under 15 U.S. Code 1692g ( a ). This right is essential and required by law.

4. Refusal to Acknowledge My Complaints : Despite my attempts to contact XXXX XXXX XXXX to dispute and request validation, they have refused to acknowledge or respond to my complaints. This ongoing negligence and noncompliance are unacceptable. 
XXXX. XXXX XXXX in Unverified Reporting : TransUnion is reporting this account without ensuring it is accurate or properly validated. This violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible 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 non-monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
Please see attachments. 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-18 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am filing this complaint regarding an account being reported by Account name XXXX XXXX  under the partial Account number XXXX. 

Nature of the Complaint : The account reflects several late payments being reported to the credit bureaus, specifically on my Equifax, XXXX, and XXXX consumer reports. However, I was never notified of these late payments before they were reported. 

According to 15 U.S. Code 1666b Timing of payments, a creditor must : Provide clear and conspicuous disclosure of payment due dates and late fee assessments.

Adhere to the minimum time period allowed for payment before reporting a delinquency. 

XXXX XXXX failed to provide proper notice or allow for a reasonable grace period before flagging my account with late payments, as required by law. This reporting has caused harm to my credit profile and impacted my ability to obtain fair credit terms. 

Legal Violations : This conduct is a violation of : 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 non-monetary relief
Consumer complaint received 2025-06-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX2025 TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Re : Request for Debt Validation Account - XXXX Account # XXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX2025 about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name.

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA.

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was approved after finally fixing my credit that was destroyed by identity theft man in Texas filing taxes etc killed my credit got it back to XXXX was approved for XXXX XXXX XXXX card. Was trying to set up a XXXX checking account everything was going through then zelle fraudulent accusations prevented the account from being established. I have email. And I recorded my conversation with zelle ( workers, puppets ) and it's crazy I have these guys in bad shape if you listen to this transcript I believe this situation is bigger then me and you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
Empower withdrew funds from my bank account without proper authorization or my formal consent. I agreed to a repayment plan date of XX/XX/year>. At the time and currently, I still have financial hardship, so I did not have the funds to cover the repayment. XX/XX/year>, months later, Empower deducted {$53.00} for loan repayment and {$8.00} for a subscription fee. There was no clear communication about when the money would be withdrawn from my account. 

Prior to the withdrawal, I had also taken steps to remove and disconnect payment permissions, and I believed that the account was no longer active due to them not having clear communication about collecting the funds. Despite that, Empower still deducted funds from my account, which is considered misleading and unauthorized. I immediately reached out their support team, to only receive a refund for the subscription fee and not the repayment fee. If there was miscommunication between my bank and Empower, that is not at my fault. Due to these unexpected circumstances, this has put my bank account into overdraft and causing financial stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.CXXXX XXXX Subject : Complaint Regarding Improper Reinsertion of Collection Account on Credit Report Dear Sir/Madam , I am writing to formally file a complaint concerning a violation of the Fair Credit Reporting Act ( FCRA ) by [ Credit Bureau Name : XXXX, XXXX, or XXXX  ] regarding the improper reinsertion of a collection account on my credit report. 
Personal Information : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Phone Number : XXXX Email Address : XXXX Details of the Complaint : Account Information : o Creditor Name : Springs Oaks Capital o Account Number : XXXX o Date of Original Deletion : XXXX XXXXXXXX  o Date of Reinsertion : XXXX XXXXXXXX  Description of the Issue : On XXXX XXXX, I noticed that a collection account from Springs Oak Capital was removed from my credit report. However, on XX/XX/XXXX, I observed that the same account has been reinserted. I did not receive any notification from XXXX  within the required five business days as stipulated by the FCRA, informing me of the reinsertion of this account. 
Supporting Documentation : I have attached copies of the following documents to support my complaint : Requested Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX  complies with the FCRA by : Immediately removing the reinserted collection account from my credit report. 
Providing me with a written explanation and any supporting documentation regarding the reinsertion. 
Ensuring that such violations do not recur in the future. 
Please acknowledge receipt of this complaint and inform me of any actions taken to address this issue. I can be reached at XXXX or XXXX for any further information or clarification. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my 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 2025-06-18 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
it has been over two months since original request for buyback of forbearance month because I am over 120 months as of XX/XX/XXXX for PSLF. It is not fair that I've been put on forbearance without my permission and not been able to count those months as it is that alone to have to wait this long for an answer not knowing what the future of student loans even holds. i've worked hard in the nonprofit area and for us to be treated this way this really horrible. I would like an answer on my buyback

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
What happened On XX/XX/scrub> 2025 I received a bright-orange envelope from Capital One at my home in XXXX, Colorado. 
Front of envelope : large red banner stating * Credit documents inside DO NOT DISCARD. 
Back of envelope : bold text reading Official credit documents enclosed and * Do not throw away. 

When I opened it, I found it was only a pre-qualification offer for a Capital One credit cardnot any legally-required credit documents. While a XXXXXXXX XXXX was included, the envelope design and do-not-discard/credit documents language created the false impression that the contents were an official, time-sensitive notice that I was obligated to read. In my view this is a deceptive marketing format intended to pressure consumers to open and review an ad. 

Why this is a problem Misrepresents the nature of the mailing, implying it is a mandatory credit-related notice.

Likely violates FTC Act 5 / CFPB UDAAP standards against deceptive acts.

Under Colorados Consumer Protection Act ( C.R.S. 6-1-105 ( 1 ) ( e ) & ( g ) ) it is unlawful to use a design that falsely suggests an official document or misrepresents a consumers rights or obligations.

Impact on me I spent time verifying whether this was an official notice, causing unnecessary anxiety.

I incurred expense shredding the documents to protect my personal data.

What Im doing next I am preparing a formal demand letter to Capital One alleging violations of Colorados CCPA and will pursue legal action in Colorado XXXX XXXX if the company does not cease this practice and provide appropriate relief.

Requested CFPB action Investigate Capital Ones use of credit documents inside/ do not discard language on marketing mailers.

Require the company to modify or discontinue envelope designs that mislead consumers.

Impose appropriate penalties and ensure restitution where warranted.

I will submit supporting photos of the envelope ( front, back, and contents ) if requested for this. I think CapitalOne can look through their records to identify this mailing. It's bright orange with the language I mentioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief