vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I receieved a letter on XXXX before XXXX alleging I owed XXXX XXXX XXXX an amount around XXXX USD. I have no knowledge of this debt therefore I requested debt verification on XXXX. XXXX XXXX XXXX never replied to this request for proof of verification. Assumingly so, they can not prove that this debt I have no knowledge of is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MI

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 2025-06-27 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: MI

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 2025-06-27 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of thXXXX XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for a credit card with XXXX XXXX and was denied for reasons Ive never heard of or understand. XXXX will not give me info and I called experian to try to get information ( to which wells based their decision on ) and I cant talk to a representative because its an automated system and this doesnt fit into a category. Absurd I cant speak to a live agent at Experian. Ive havent been denied credit in over 20 years and I have a 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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This is the text I have received and I was a victim of identity theft 2 years ago but theres no record of this account/debt mentioned on my credit reports and I have never had one open with either XXXX XXXX XXXX nor XXXX XXXX so Im copying and pasting the texts I have received Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : Monthly : {$58.00} Duration : 30 months Ready to start? Visit XXXX? XXXX. Questions? Reply or call us at XXXX during business hours. 

This message is from Spring Oaks Capital , LLC and is related to your XXXX XXXXXXXX XXXX account, originated by XXXX XXXX XXXX XXXX, now owned by Spring Oaks Capital SPV , LLC. 

Click here for important disclosures XXXX XXXX XXXX. Reply BYE to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
When I looked up who finances XXXX XXXX in a park, Rocket Mortgage was the first to pop up. I spoke with a gentleman letting him know EXACTLY what i wanted to apply for and gave him the community park name and address. He confirmed that they do in fact provide financing for manufactured homes in a park so I gave the ok to proceed with moving forward with the approval process. This all began on Sunday XX/XX/year>. I sent in all my pay stubs, XXXX and bank statements and received a pre approval letter from Rocket Mortgage. He than stated the next step was to talk to my realtor and they will get everything moving forward. I received a phone call from the lender on Thursday XX/XX/XXXX stating they do not finance manufactured homes in a park. That was my first question before giving approval to run my credit and they lied. He then went on asking if I have someone to add to the loan to get me approved for more money. I feel taken advantage of like he had me go through this whole process knowing they do not finance just to get me to the point to apply for more money. Not only was this a hard hit to my credit but also a waste of my time and getting my hopes up! There was no apology or other options given besides asking me to apply for more money with another person added to the loan. Looking up business online who finance manufactured homes in a park is also deceiving and false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Ava Finance, Inc
State: FL

Complaint narrative:
My debit card and phone were stolen. I was enrolled in XXXX through Ava Finance and didnt receive payment failure alerts. As a result, a {$50.00} payment failed. I updated my payment method and resolved the payment as soon as I regained access. 

I reached out to Ava to request a one-time goodwill adjustment. I received generic, copy-paste responses that failed to address my specific request. When I asked to escalate, a supervisor responded with the same message as support staff and then stopped replying entirely. I followed up multiple times with no further response. 

Ava is not a lender ; I use my own money through their subscription to build credit. Despite this, they reported a 30-day late mark that is now negatively affecting my score during a home loan process. I asked for the late mark to be removed due to the unusual circumstances and my clean payment history. The company ignored the request and has refused to engage further.

Im requesting CFPB intervention so Ava is required to respond appropriately and re-evaluate my goodwill request based on the facts and communication history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion 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. 
Instructions : In compliance with FCRA, I am requesting that the negative accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS IS A FORMAL DEMAND FOR IMMEDIATE ACTION. 
You are reporting fraudulent accounts and unauthorized hard inquiries on my credit profile that were the direct result of identity theft and/or the Equifax data breach. I did NOT authorize these actions, and your continued reporting of this information is a willful violation of federal law specifically, the Fair Credit Reporting Act ( FCRA ) 604, 605B, 616, and 611.

THIS IS A LEGAL NOTICE.

Under FCRA 605B ( a ), you are required to block or delete fraudulent accounts and unauthorized inquiries within 4 business days of receiving this request and my affidavit.

I have submitted sworn affidavit documentation confirming these entries are fraudulent. Your failure to act promptly and in accordance with the law will result in immediate legal action for : Actual damages under FCRA 616 Negligent and willful noncompliance under 616 and 617 Declaratory and injunctive relief in small claims or federal court YOU HAVE 30 DAYS TO VERIFY. 
If you can not produce documented, signed authorization proving that I consented to these inquiries and accounts, then by law, you are obligated to DELETE them immediately. No delays. No exceptions. 

THE FOLLOWING INQUIRIES MUST BE DELETED IMMEDIATELY : EXPERIAN : XXXX XXXX Services XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX If you continue to report these fraudulent items, you will be in direct violation of your obligations under the FCRA and subject to legal liability. I will not hesitate to escalate this matter and pursue financial and injunctive relief through legal channels. 

You are hereby on notice. Fix this NOW. 
A physical copy of my updated credit report reflecting these deletions is expected upon completion of your investigation. 

Failure to comply will result in legal action.

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 2025-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Formal Complaint to Remove Unauthorized/Inaccurate Hard Inquiries from Credit File Dispute | Metro 2 | FCRA Compliance Codes I am writing to formally dispute the presence of unauthorized and/or inaccurate hard inquiries listed on my consumer credit file under the Fair Credit Reporting Act ( FCRA ), specifically : Hard Inquiry Listing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF DISPUTE : According to 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose initiated by the consumer. I did not authorize these hard inquiries and request an immediate investigation and permanent deletion of any entries that can not be verified with proper documentation of permissible purpose.

Furthermore, under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Reporting unverified or unauthorized inquiries constitutes negligence or willful non-compliance, which can result in liability.

ACTION REQUESTED : Under 15 U.S. Code 1681i, I am invoking my right to dispute information in my file. Please conduct a full reinvestigation, and if the inquiry ( ies ) can not be fully verified with appropriate documentation ( signed authorization or valid application ), they must be deleted immediately. 

COMPLIANT DISPUTE CODES : * XXXX XXXX disputes the inquiry ; claims unauthorized XXXX XXXX No permissible purpose under 1681b * XXXX Inquiry reported in error * FCRA 611/1681i Request for reinvestigation * FCRA 607 ( b ) /1681e ( b ) Duty to ensure accuracy * FCRA 604/1681b No permissible purpose provided I request that the bureau completes the reinvestigation within the 30-day period required by law and provides a written response with the results. If the item ( s ) can not be verified or lack proper authorization, I expect prompt removal and an updated credit report. 
Please send confirmation of the results to the address above. 
Sincerely, \n [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

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 2025-06-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights

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