vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 
Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Subject : Formal Credit Dispute and FCRA Violation Notice Immediate Action Required Dear XXXX XXXX XXXX XXXX, My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/year>, I submitted a formal dispute regarding two accounts reported by Spring Oaks Capital SPV , LLC on my credit reports. I am writing again to notify y

ou that Spring Oaks Capital has failed to legally validate their authority to collect the debts in question.

Despite my request, Spring Oaks Capital did not provide the necessary documentation required by federal law to prove ownership and collection rights. Specifically, they failed to produce : A signed contract or agreement bearing my signature A chain of assignment showing legal ownership of the debt Proof of legal authorization to collect in the state of Indiana This failure violates the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), which mandates that credit reporting agencies must correct or delete any disputed information that can not be fully verified.

Your continued reporting of these unverifiable debts constitutes willful noncompliance with the FCRA. Under 15 U.S. Code 1681n, I am entitled to statutory damages of up to {$1000.00} per violation, plus potential punitive damages. As this issue now spans multiple violations, I am demanding either : The immediate deletion of the Spring Oaks Capital entries from all three of my credit reports ; or Payment of {$10000.00} in damages for your failure to act lawfully and accurately. 

Failure to comply within 15 days of this notice will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal counsel to enforce my rights. 

Attached for your review are copies of Spring Oaks Capitals insufficient response dated XX/XX/year>. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : XXXX XXXX XXXX Amount charged : {$0.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-10 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : XXXXXXXX XXXX XXXXE Amount charged : {$0.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-10 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/2021 Merchant name : XXXXXXXX XXXX XXXX Amount charged : {$0.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I submitted a formal fraud block request to TransUnion on XX/XX/2025, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). This section requires TransUnion to block and delete fraudulent information within four ( 4 ) calendar days of receipt when valid documentation is submitted.

I provided : An FTC Identity Theft Report Government-issued ID Proof of residency ( lease agreement ) The statutory deadline was XX/XX/2025. As of XX/XX/2025, the fraudulent items I listed have not been removed from my credit report, which is a clear violation of federal law. 

Items still reporting include : 6 fraudulent charge-offs 1 fraudulent collection

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Request for Method of Verification Account Number : XXXX Creditor : XXXX XXXX XXXX Dear Equifax, This letter is a formal request made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), regarding the account listed above, which I disputed on [ Insert Date ].

You recently responded that the account was verified as accurate. I am now requesting that you provide the following : 1. The name, address, and contact information of the person, company, or entity that verified the account.

2. A complete description of the investigation procedure you used. 


3. Copies of any documents or information you received from the furnisher to verify the accuracy of the account.

As required by the FCRA, please respond within 15 business days. If you can not provide the requested verification details, this account should be removed from my credit report immediately. 

Please consider this request urgent and respond in writing to the address listed above. 

Sincerely, XXXX XXXX SSN XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian, P.O. XXXX XXXX, XXXX, TX XXXX. 

Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 

Sincerely, 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 2025-05-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint and request an investigation into potentially unlawful and inaccurate debt reporting issue currently affecting my credit file, which is causing major damage to me personally its affecting my financial life and broader opportunities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, both LVNV Funding, LLC and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. are reporting a debt in the amount of {$2900.00} under account number # XXXX appears that both entities are either attempting to collect or have reported the same account independently on my credit report. This raises significant concerns regarding the accuracy of the information being furnished and possible violations of federal consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA, creditors and debt collectors are obligated to furnish accurate and non-duplicative information to consumer reporting agencies { 15 U.S.C. 1692e }, including the false representation of the amount, character, or legal status of any debt.

ISSUE SUMMARY CODE ( ISC ) : Duplicate debt reporting by original creditor and debt collector- potential violation of FCRA 623 AND FDCPA 807, I respectfully request that the CFPB investigate this matter, ensure that only one entity is legally entitled to report or collect on this alleged account, and verify the legitimacy and accuracy of the alleged debt in question. I also request that all inaccurate or duplicative information be permantely removed or corrected on my credit reports with all major credit bureaus.

Please advise me of the outcome of your investigation or of any additional information you may require from me to proceed. I have attached copies of my credit report excerpts showing the duplicated entries for your reference.

Thank you for your attention in this matter.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TN

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/year>, regarding a collection account reported by XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. The account was marked as closed as of XX/XX/year>, yet it continues to report a full balance of {$1000.00} and a derogatory in collection status. On XX/XX/year>, TransUnion marked the account as updated, but no documentation was provided to validate the debt. I have not received any supporting evidence from XXXX XXXX XXXX despite mailing a validation request. Reporting an unverified, closed collection account with an active balance violates the Fair Credit Reporting Act ( FCRA ). I am requesting full deletion of the account from my TransUnion credit report unless it can be verified with accurate and complete documentation.

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 2025-05-10 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: PA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX I dont remember ever being late with a payment on this account. 

Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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