vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
On XX/XX/year> i decide to check my experian credit report, i noticed a collection for {$880.00} from spring oaks capital LLC, i am not aware of this collection, i received no notice via any of the approved mediums within the FCRA prior to this collection being produced on my consumer report. I would like this collection removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NV

Complaint narrative:
I am writing your department again about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting fraudulently on my credit report. This account is ONLY reporting on Experian and NO Other Credit bureau. Last month I requested an investigation because I felt the item was not being reported legally. A Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
XXXXPlease explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? XXXXWhat certified documents were reviewed to conclude your investigation XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. XXXXWhat did it cost your company to obtain the documents needed to complete your investigation? XXXXPlease provide proof of your timely procurement of certified documents. XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? XXXXIf so, please provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. XXXXProvide the date of the commencement of delinquency XXXX. Provide the SPECIFIC date reporting that these items will cease. I am listing below again the accounts and inquires that are not mine. They are a result of identity theft. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-08 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, Equifax & XXXX  credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 2025-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I demanded complete accounting of all payment 's fees interest and charges applied to my account. Evidence that this debt has not been lost, forgiven, discharged, or otherwise rendered unenforceable. And proof that you are the current holder in due course of this loan and have the legal ; right to collect I intend to continue to make payments under protest into a separate account clearly labeled Payment under dispute = not a waiver of rights. to ensure my account remains current and protect against any claims of default or foreclosure

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This debt has not been validated. The company is currently violating my rights by reporting this unvalidated debt to my credit profile. PLEASE DELETE THIS UNVALIDATED AND FRAUDULENT COLLECTION ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} 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 2025-09-08 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-08 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account without proper investigation and reported XXXX XXXX XXXX to XXXX  on XX/XX/year>. I was not given a chance to explain my situation. 

I am in the XXXX with my XXXX children under the XXXX program and work as an esthetician. To earn extra income, I accepted an offer to advertise products on my car. I was sent a check for {$3900.00} with instructions to deposit it, keep {$700.00} as payment, and use the remaining funds to pay for printing and vehicle wrapping services. 

After I deposited the check, my account was immediately blocked. The bank did not lose any money, yet I was unfairly labeled as a fraudster. 

Importantly, my daughter XXXX XXXX and my husband XXXX XXXX deposited similar checks into their Bank of America accounts, but the money was simply not credited and they were not accused of fraud. This shows that the bank treated me unfairly and inconsistently compared to other account holders in the same situation. 

This false and unverified report is now in XXXX  and prevents me from opening new bank accounts. 

I am requesting reinvestigation, removal of the false entry from XXXX, and written confirmation that my record has been 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 non-monetary relief
Consumer complaint received 2025-09-08 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: MA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> -XXXX XXXX Inquired on XX/XX/year> -XXXX XXXX Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX BANK 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 2025-09-08 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I dont owe the debt per the state statue of limitations and they restored the debt and are going after my credit and this is the second time for the same debt that this is happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
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 XXXXXX/XX/2023 This is a formal notice of a data breach and identity theft issue connected to my personal credit file. Under the Fair Credit Reporting Act ( FCRA ) 605B and the Federal Trade Commissions Identity Theft Rules, I am asserting my rights as a victim of identity misuse. 

The accounts and negative items previously disputed are the result of unauthorized use and reporting of my personal data. Since your bureau has continued to report this inaccurate information beyond the dispute period, this constitutes : 1. A data breach of my personally identifiable information ( PII ), 2. A violation of FCRA 611 ( a ) for failing to verify or delete within the required timeframe, and 3. A violation of my rights under the FTCs Red Flags Rule and CFPB enforcement authority.

Be advised : I have already filed formal reports with the FTC and the CFPB documenting these violations. As such, I am demanding immediate corrective 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 explanation
Consumer complaint received 2025-09-08 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: CA

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 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 XXXXXX/XX/2023 This is a formal notice of a data breach and identity theft issue connected to my personal credit file. Under the Fair Credit Reporting Act ( FCRA ) 605B and the Federal Trade Commissions Identity Theft Rules, I am asserting my rights as a victim of identity misuse. 

The accounts and negative items previously disputed are the result of unauthorized use and reporting of my personal data. Since your bureau has continued to report this inaccurate information beyond the dispute period, this constitutes : 1. A data breach of my personally identifiable information ( PII ), 2. A violation of FCRA 611 ( a ) for failing to verify or delete within the required timeframe, and 3. A violation of my rights under the FTCs Red Flags Rule and CFPB enforcement authority.

Be advised : I have already filed formal reports with the FTC and the CFPB documenting these violations. As such, I am demanding immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
I am a victim of identity theft and data breaches ( XXXX, XXXX, XXXX XXXX XXXX ). My credit report dated XX/XX/year> shows fraudulent accounts, including XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts were opened without my consent, and multiple unauthorized inquiries were made by lenders such as XXXX XXXX, XXXX, and XXXX XXXX. 

Under FCRA 1681b, 1681e ( b ), 1681i, and 1681s-2, these entries are inaccurate, unverifiable, and lack permissible purpose. My credit scores have been harmed, and I have suffered financial and reputational damage. 

I request the CFPB ensure deletion of all fraudulent accounts and inquiries, require credit bureaus to reinvestigate, and hold furnishers accountable for unlawful reporting. 

Supporting documents provided : FTC Identity Theft Report, 3-Bureau Credit Report XXXX and dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: FL

Complaint narrative:
In XXXX, I applied for the federal student loan forgiveness or relief program during the XXXX emergency pause. My application was accepted, and I stopped receiving any billing statements or payment notices from my loan servicer after that point. I reasonably believed my loans were either in forbearance, deferment, or forgiveness, as I had no indication otherwise from the servicer. 

For several years ( XXXX ), I received no contact or billing regarding my student loan. Then, in XX/XX/XXXX, I reviewed my credit report and was shocked to discover that XXXX late payments had been reported on my account. 

I had never been informed that repayment had resumed or that I was expected to make payments again. I did not receive any email, letter, phone call, or billing statement informing me of due dates or potential delinquency. Had I known, I would have made the payments on time. 

I immediately called the loan servicer to dispute the late payments. I explained that I had never received notification and that the late reporting was causing serious harm to my XXXX XXXX. I asked for the late marks to be removed since this was not a result of negligence or refusal to pay, but a lack of communication. 

The servicer told me that they were unable to remove the late payments and directed me to contact the credit bureaus. I feel this is unfair and harmful, as I was never given a fair chance to meet my obligations. 

Timeline & Actions Taken : - Applied for loan relief : XXXX - No communication or billing from servicer : XXXX - Discovered XXXX late payments on credit report : XX/XX/XXXX - Contacted servicer to dispute and request removal : XX/XX/XXXX - Servicer refused to remove and referred me to credit bureaus This issue has unfairly and significantly damaged my credit score, through no fault of my own. I am requesting assistance in having these XXXX late payments removed from my credit report.

Company response to consumer: Closed with explanation