vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
During Covid 19 I was hospitalized multiple times over 30days. I was ill and unable to work I didnt check my credit over 3 years because I was not well and my focus was getting back well. I was able to access my XXXX when I notice a line of credit someone else had purchased. I immediately disputed and informed the credit union that its a fraudulent account. Therefore I proceed to look further by requesting my reports from Equifax and Experion. I have been having trouble getting my reports online and also tried calling often get hung up on or speaking to someone that gives the impression of not knowing or doing there job. I have explained my issue and nothing is happening to resolve it. The reps are very unprofessional. Please advise.

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 2025-02-04 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: IN

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.

Over the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. 
XXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. 

I have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Springs Oak, Capital LLC for their violations of consumer rights. Notably, Springs Oak, Capital LLC has been found in violation of consumer protections in cases such as Briones v. Midland Credit Management , Inc., 2018 WL 1157982 ( C.D. Cal. 2018 ), where Midland was found to have violated the FDCPA by engaging in deceptive practices, and La Grassa v. Midland Credit Management , Inc., 2019 WL 4862065 ( E.D.N.Y. 2019 ), highlighting the companys repeated issues with consumer rights. These precedents further underscore their pattern of misconduct. 

Upon reviewing my credit report, I discovered that Springs Oak, Capital LLC has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. This action constitutes harassment, defamation of my character, and an outright violation of my rights. Springs Oak, Capital LLC is collecting on behalf of XXXX XX/XX/XXXX further infringing on my rights. 

Additionally, my private information has been improperly shared with Springs Oak, Capital LLC, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 

Please note, I am not requesting verification of the debt, as the required verification should have been completed prior to placing this item on my credit report. 

I urge Springs Oak, Capital LLC to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations. 

Furthermore, Springs Oak, Capital LLC has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which Springs Oak, Capital LLC has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes improper sharing of my personal information.

I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should Springs Oak, Capital LLC fail to address these issues, I will pursue further legal and regulatory actions to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXXXXXX/2023 XXXXXXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXXXX/XX/year>2023 XXXX XXXX XXXX XXXXXX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX  XXXXXX/XX/year>2023 XXXX XXXX XXXX XXXXXX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XXXXXX/XX/scrub>/2023 XXXX XXXX XXXX XXXXXX/XX/year>2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX XXXX XX/XX/scrub>/2023 XXXXXXXX XXXX XX/XX/scrub>/2023 XXXXXXXX XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXXXXXX XXXX XXXX/XXXX/2023

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 2025-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal dispute regarding an inaccurate item on my Equifax credit report that continues to negatively impact my credit. Despite my efforts to resolve this matter directly with Equifax and the reporting entity, the issue remains unresolved. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account NumbeXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX  Account Number : 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
ive been contacting Experian, XXXX & Transunion and these bureaus and they all seem to not be properly investigating these account listed below. according to 15 USC 1681i ( a ) 6 ( B ) 3 you all must properly investigate or I am owed per violation.

Niether company responded inappropriately timely manner, pursuant to 15 USC 1681i ( a ) 1 you guys must respond within 30 days and its been 41 days. 

please investigate these accounts XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
My loan with XX/XX/XXXX was on auto payment, and due to getting a new debit card, the last payment was not deducted. Unfortunately the emails fromXX/XX/XXXX went to my junk, and the loan went into collections. The final amount owed showing on my credit report is incorrect, ( says XXXX dollars, it is XXXX ) as well as the last reported payment. I have asked Experian to change this and have provided proof and they have not fixed it.

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 2025-02-05 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: CA

Complaint narrative:
I have noticed that an account that does not belong to me is being mixed with my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting CREDENCE RM, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CREDENCE RM to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XX/XX/XXXX. I attached proof that CREDENCE RM isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CREDENCE RM pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : 1. Transworld systems Incorporated 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXXXX/XX/XXXX XX/XX/XXXX Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Wakefield and associates Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX of the Ally Bank XXXX XXXX regarding his unprofessional and abusive conduct during multiple phone interactions with both myself and my wife. 

XXXX XXXX repeatedly treated my wife with disrespect, making false accusations that she is a criminal, hanging up on her multiple times, and telling her she is a bad person. His words and behavior were so distressing that they ultimately led to her being placed on suicide watch. All of this occurred over bounced ACH payments on an antecedent debtpayments that we had every intention of clearing at the time. 

Despite XXXX XXXX stating that he was not recording our conversations, my wife recorded them on our end as evidence of his inappropriate and harmful conduct. His behavior was not only unprofessional but also deeply damaging to our well-being. 

As a resolution, I am requesting the following : 1. That XXXX XXXX no longer contact me, my wife, my father-in-law, or any other family member. 


2. That our file be reassigned to a different representative.

3. That all future communication regarding this matter be conducted exclusively via email or mail.

No customer should be subjected to this kind of mistreatment, and I urge the you to investigate this matter. Please let me know the next steps in filing and processing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Payment amount is incorrect / address is incorrect/ to many names appear on credit report / I credit theft happen to me.

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 2025-02-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief