vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the XXXX XXXX charge-off account listed on my credit report. This account contains multiple material inaccuracies that violate federal law and your obligations under the FCRA. 
Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information you report is complete and accurate. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, you must either correct it or delete it entirely from the consumers credit file. 
Specifically : The account was paid in full after closure ; however, the report inaccurately reflects an unpaid or charged-off status.

Despite payment, interest continued to accrue, which is in direct violation of the terms presented after closure.

There is inconsistency in how this account is being reported across the three credit bureaus, a clear sign of non-uniform and inaccurate data. 
I have attached supporting documentation ( bank statement ) that clearly proves payment in full was made and that further charges were applied improperly. 
In light of the above, I formally demand : 1. A complete investigation into the XXXX XXXX entry. 
2. Immediate deletion of the account from all three credit bureaus if full accuracy can not be verified.

3. A written response confirming deletion or detailed documentation proving otherwise within 3045 days.

If you fail to comply, I will move forward with litigation to pursue {$1000.00} in damages for each inaccuracy as permitted by the FCRA, due to your willful noncompliance with federal reporting standards.

Please be advised this letter serves as legal notice. I am documenting all communication and reserve the right to escalate this matter accordingly. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Enclosures : Copy of valid ID Proof of address ( utility bill or lease ) Bank statement showing payment Copy of credit reports showing inaccuracies

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 2025-05-25 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the XXXX XXXX charge-off account listed on my credit report. This account contains multiple material inaccuracies that violate federal law and your obligations under the FCRA. 
Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information you report is complete and accurate. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, you must either correct it or delete it entirely from the consumers credit file.

Specifically : The account was paid in full after closure ; however, the report inaccurately reflects an unpaid or charged-off status.

Despite payment, interest continued to accrue, which is in direct violation of the terms presented after closure.

There is inconsistency in how this account is being reported across the three credit bureaus, a clear sign of non-uniform and inaccurate data.

I have attached supporting documentation ( bank statement ) that clearly proves payment in full was made and that further charges were applied improperly.

In light of the above, I formally demand : 1. A complete investigation into the XXXX XXXX entry. 
2. Immediate deletion of the account from all three credit bureaus if full accuracy can not be verified.

3. A written response confirming deletion or detailed documentation proving otherwise within 3045 days.

If you fail to comply, I will move forward with litigation to pursue {$1000.00} in damages for each inaccuracy as permitted by the FCRA, due to your willful noncompliance with federal reporting standards.

Please be advised this letter serves as legal notice. I am documenting all communication and reserve the right to escalate this matter accordingly. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX : [ XXXX ] Enclosures : Copy of valid ID Proof of address ( utility bill or lease ) Bank statement showing payment Copy of credit reports showing inaccuracies

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 2025-05-25 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the XXXX XXXX charge-off account listed on my credit report. This account contains multiple material inaccuracies that violate federal law and your obligations under the FCRA. 
Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information you report is complete and accurate. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, you must either correct it or delete it entirely from the consumers credit file. 
Specifically : The account was paid in full after closure ; however, the report inaccurately reflects an unpaid or charged-off status.

Despite payment, interest continued to accrue, which is in direct violation of the terms presented after closure.

There is inconsistency in how this account is being reported across the three credit bureaus, a clear sign of non-uniform and inaccurate data. 
I have attached supporting documentation ( bank statement ) that clearly proves payment in full was made and that further charges were applied improperly.

In light of the above, I formally demand : 1. A complete investigation into the XXXX XXXX entry. 
2. Immediate deletion of the account from all three credit bureaus if full accuracy can not be verified.

3. A written response confirming deletion or detailed documentation proving otherwise within 3045 days.

If you fail to comply, I will move forward with litigation to pursue {$1000.00} in damages for each inaccuracy as permitted by the FCRA, due to your willful noncompliance with federal reporting standards.

Please be advised this letter serves as legal notice. I am documenting all communication and reserve the right to escalate this matter accordingly. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ] Enclosures : Copy of valid ID Proof of address ( utility bill or lease ) Bank statement showing payment Copy of credit reports showing inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One has reported a derogatory tradeline to XXXX, which I have formally disputed as identity theft. I submitted a valid FTC Identity Theft Affidavit and supporting documentation to Experian under FCRA 605B, triggering Capital Ones obligation to provide proof of accuracy or remove the account. Capital One failed to provide any documentation verifying that I opened or authorized the account, nor did they provide a signed contract, transaction history, or verification under 15 U.S.C. 1681i ( a ). 

Despite multiple dispute attempts and Experian acknowledging receipt of my identity theft affidavit, the account remains on my credit report. Capital One has not responded to my direct requests for evidence nor produced proof of liability under FDCPA 809 ( a ). This constitutes willful noncompliance with FCRA and FDCPA standards and places the burden unfairly on the consumer without substantiated verification. 

I am formally requesting Capital One be investigated for negligent or willful failure to investigate identity theft disputes, refusal to provide method of verification, and continued furnishing of inaccurate, disputed data to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT REQUEST FOR REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT To Whom It May Concern, I am writing to formally dispute several accounts listed on my TransUnion credit report that were fraudulently opened without my knowledge or consent. These accounts are the result of identity theft and do not belong to me. 

Please find below a list of the fraudulent accounts that I am requesting be immediately removed from my credit file : XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX. XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. TDRCS/Yard Card Opened XX/XX/XXXX I am requesting that these accounts be investigated and permanently deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

To support my claim, I have enclosed the following documents : A copy of my government-issued ID A recent utility bill or official mail to verify my current address A police report and/or FTC Identity Theft Affidavit Due to the serious nature of this fraud and the immediate harm it is causing to my credit profile and financial well-being, I respectfully request resolution within 7 days of receipt of this letter. 

If I do not receive a response or confirmation of removal within that time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. 

Thank you for your urgent attention to this matter. 

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Transunion. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

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 2025-05-25 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: MS

Complaint narrative:
I have requested the exactly documentation used in investigations and purchase agreements for said accounts, showing ownership of of accounts in dispute. Experian and Equifax is refusing to send me the documentation and purchase agreements. Instead they continually send me a copy of my credit report stating certain accounts are verified and others were not but showing no proof of ownership for each said account. Request for Documentation Under 15 U.S.C. 1681i Regarding Disputed AccountsTo Whom It May Concern, I am writng to formally request, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, a detailed description of the procedures used during the reinvestigation of the following disputed acounts on my credit report:1. XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # XXXX the FCRA, I am entitled to : A description of the reinvestigation procedures used concerning my disputes. The name, address, and telephone number of any furnisher of information contacted during the reinvestigation. A copy of all documents, records, or other information that were part of the reinvestigation process. Please provide the above information for each of the accounts listed. If any information canot be provided, kindly specify the reason and the legal basis for the denial.I appreciate your prompt atention to this matter and expect a response within the 30-day period as stipulated by the FCRA.

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 2025-05-25 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: OH

Complaint narrative:
I am writing to file a formal complaint against Experian regarding a fraudulent account that was added to my credit report. 

A XXXX XXXX XXXX XXXX XXXX  account ( ending in XXXX ) was fraudulently opened in my name in XX/XX/scrub> 2024 for the amount of {$550.00}. I disputed this account as identity theft, and Experian initially removed the account from my credit report following my dispute.

However, Experian has since reinserted this fraudulent account back onto my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), a credit bureau must notify the consumer in writing within 5 business days of any reinsertion of previously deleted information and must ensure that the account is verified by the furnisher. I received no such notice, and this reinsertion has caused me undue XXXX  and harm.

Additionally, under the FCRA and 15 U.S. Code 1681c-2, if an account is determined to be the result of fraud or identity theft, it must be permanently blocked from appearing on the consumers file. Experian has failed to comply with these obligations and is in violation of federal 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 explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
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 FCRA XXXX Violation Account Name XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Charge-Off {$0.00} Balance ( Updated XX/XX/XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and misleading information being reported on my credit file related to the above-referenced account with XXXX XXXX. 
Upon review of my report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines that require immediate correction or deletion : Violations Identified : Illegal Re-Aging of Account : The last payment was made on XX/XX/XXXX, but the charge-off status was falsely updated in XX/XX/XXXX without new activity. This is a direct violation of FCRA 623 ( a ) ( 5 ) and industry reporting guidelines that prohibit re-aging to extend derogatory account lifespan. 
Ongoing Charge-Off Reporting Despite {$0.00} Balance : Reporting a monthly charge-off after the balance has been reduced to {$0.00} is deceptive and misleading. If the account is settled or closed, the status must reflect Paid, Settled, or Transferred not Charged-Off repeatedly.

Missing Original Balance : The report lacks a clearly defined original balance, which is required under FCRA 609 ( a ) ( 1 ). Consumers have the right to fully understand the origin and nature of the debt.

Duplicate Derogatory Data ( Metro 2 Violation ) : Repeated monthly charge-off notations spanning over XXXX XXXX XXXX XXXX XXXX XXXX unfairly depresses my credit profile and constitutes duplicate derogatory reporting a clear violation of Metro 2 standards.

Requested Remedy : IMMEDIATE deletion of the tradeline from my credit file. 

If no valid proof of accurate reporting is provided within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and state regulatory authorities for willful noncompliance under FCRA 616617. 
Sincerely, XXXX XXXX Enclosures : Copy of ID, Proof of Address, Credit Report Highlighted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Under 15 USC 1681C law this debt must be deleted it violated my privacy rights.

Title 15US code 1692 pursuant to be Fair debt collection. Cease and desist!

Dear SPRING OAKS CAPITAL LLC, XXXX phone number I am writing to formally dispute the validity of a collection account appearing on my credit report.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : spring oaks capital Account Number : Amount : {$1200.00} I am exercising my rights under the

FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 2. Documentation evidencing that the collection agency has legal authority to collect this debt. 3. A complete accounting of the alleged debt, including all charges, fees, and interest applied 4.PROVE WITH DOCUMENTION WHERE I SIGNED A CONTRACT WITH MY ACTUAL SIGNATURE IN PEN WITH YOUR DEBT COLLECTION AGENCY. YOU LEGALLY HAVE 15 days to send this information asap! Or you must report to transunion Experian and Equifax must be deleted of my credit report. It is illegal to collect on a debt that is not yours. You are not the original credit creditor and therefore this is violation of privacy rights under the law. Todays date is XXXX XXXX I need to receive information validated debt with my original signature asap or this must be deleted. I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CT

Complaint narrative:
This CFPB complaint is being filed under the authority of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block and remove the following accounts, which were fraudulently opened and falsely reported on my consumer credit file. These entries are the result of identity theft and must be handled within four business days of this notice, as required by law. 

The following accounts are fraudulent and inaccurately associated with me : A collection account with XXXX XXXX XXXX opened on XXXX XXXX XXXX with a balance of {$12000.00} A collection account with XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX  with a balance of {$9200.00} In addition, I am disputing these items under FCRA Section 611 ( 15 U.S.C. 1681i ) and demanding a complete reinvestigation. Experian is obligated to provide details on the verification process used to validate these accounts, along with physical proof or original documentation to support their accuracy. If such verification can not be presented, the continued reporting of these items constitutes prima facie fraudulent activity and must be immediately corrected.

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