vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Personal Information, Unauthorized Inquiries, and Account Reporting on Credit File Filed Under : Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), 1681n, 1681o ) I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies reported on my credit file by a consumer reporting agency. I am filing this complaint on my own behalf as a natural person and a consumer. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( 7 ) ), I am entitled to receive a detailed description of the reinvestigation procedures used to verify disputed information on my credit report, including : The names, addresses, and phone numbers ( if available ) of any furnishers of information contacted ; The method of verification used ; The documents reviewed during the reinvestigation. 

Despite submitting a formal dispute, the following inaccuracies remain unresolved on my credit report : Disputed Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX ( inaccurate ) Unauthorized Inquiries : A total of 21 inquiries were made to my credit report that I did not authorize, including but not limited to 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 I request the immediate removal of all unauthorized hard inquiries listed above. 

Accounts with Inaccurate Reporting : I am also disputing a series of Collections, Charge-Offs, and Late Payments that appear inaccurate and unverifiable : 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  ( Late Payments ) I have not received any documentation supporting the accuracy of these negative items.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-08 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$790.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Bounce AI, Inc.
State: IN

Complaint narrative:
This letter is being sent to you in response to : Check One ( 1 ) - Notice sent to me on ___________________, XXXX. 
XXXX - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Date XXXX I have also submitted identity theft report as this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-08 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: MN

Complaint narrative:
Upon review of my information and credit report that has come to my knowledge with the credit bureaus are publishing authorize fraudulent accounts inquiries, not made by me that need to be blocked and removed as time as possible

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 2025-07-08 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX OF XXXX # XXXX XX/XX/XXXXXXXX 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/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 2025-07-08 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: MOHELA
State: TX

Complaint narrative:
Credit information was reported without consent and is also inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding this remaining negative item on my account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am extremely disappointed with your agencys ongoing failure to address this matter. Experian has already completed their investigation and removed the disputed negative item last XX/XX/XXXX so I must ask : When is Transunion and Equifax going to comply?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, 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 2025-07-08 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Verify or Remove Inaccurate Information on My Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), 1681n, 1681o I, XXXX XXXX XXXX, am filing this complaint to report the credit reporting agency 's failure to properly investigate, verify, or remove inaccurate and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a detailed description of the reinvestigation procedures used to verify disputed information. Despite my previous dispute, I have not received a valid response nor the required documentation. I am requesting this complaint be used to prompt formal action and oversight.

Disputed Items : Unauthorized Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately.

Charge-Off Accounts : XXXX. XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX. Employer : XXXXXXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX The above employment records are not accurate and should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : FORMAL DISPUTE & LEGAL DEMAND FOR DELETION UNVERIFIED ACCOUNTS REPORTED To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate deletion and validation of the following accounts that are currently being reported to the credit reporting agencies : SPRINGOAKCAP Acct # XXXX {$410.00} SPRINGOAKS Acct # XXXX {$410.00} These duplicate and unverifiable accounts are being reported without legal basis and in direct violation of multiple federal laws designed to protect consumers from inaccurate, unverifiable, and unauthorized credit reporting. I do not acknowledge these debts, and you are now required to provide full legal validation or remove these accounts immediately. 

As required by : Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, 1681i, 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ) Uniform Commercial Code ( UCC ) 3-501 You must provide the following within 15 days of the date of this notice : A wet-ink signed contract between myself and the original creditor A full itemized statement showing how the {$410.00} balance was calculated Legal documentation proving assignment or ownership of the alleged debt Proof you had permissible purpose to report this to my credit file under FCRA 1681b Evidence this is not the result of identity theft, mixed file, data breach, or reporting error as protected under FCRA 605B and 609 ( a ) ( 1 ) If you can not provide this information, you are required to delete these entries from all credit bureaus without delay.

If this issue is not resolved within 15 days, I will escalate this matter by : Filing complaints with the CFPB, FTC, Illinois Attorney General, and BBB Disputing directly with Experian, Equifax, and TransUnion Pursuing arbitration or legal action under : FCRA 1681i and 1681s-2 ( b ) FDCPA 809 ( b ) UCC 3-501 If your company used automated systems such as e-OSCAR to respond to prior disputes instead of conducting a real investigation, this is a federal violation, and I will include that in my legal filing.

Final Demand : No contract= No legal debt = Must be DELETED.

Your failure to act = Legal and financial consequences.

This is your final notice. Comply with federal law or be held accountable in court or arbitration. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX RE : FORMAL DISPUTE & LEGAL DEMAND FOR DELETION FRAUDULENT ACCOUNTS BEING REPORTED To Whom It May Concern, This letter serves as an official and final notice demanding the immediate removal and full validation of the following alleged accounts, which are being unlawfully reported to the consumer reporting agencies : PORTFOLIO Acct # XXXX {$960.00} PORTFOLIO RC Acct # XXXX {$960.00} Let me make this absolutely clear : I do not acknowledge, authorize, or recognize these alleged debts, and you have no legal basis to report them to my consumer file. I am invoking my rights under federal law to demand a full debt validation and a cease of all reporting unless and until you can legally prove these debts are valid and collectible. 

Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ), you are required to provide : A wet-ink signed contract between myself and the original creditor A complete and itemized breakdown of how the {$960.00} balance was calculated Proof of legal ownership or assignment of this alleged debt to your agency Documented permissible purpose under 15 USC 1681b to report this information to my credit file Confirmation that this is not a result of identity theft, reporting error, or data breach ( FCRA 605B and 609 ( a ) ) You have 15 days from the date of this letter to comply.

Failure to provide proper documentation will result in : Formal complaints filed with the CFPB, FTC, Illinois Attorney General, and BBB Disputes filed with all three major credit reporting agencies demanding immediate removal A lawsuit or arbitration claim for violations of : FCRA 1681i, 1681s-2 ( b ) FDCPA 809 ( b ) UCC 3-501 Important : If you used an automated e-OSCAR response to verify this account, this is a violation of federal law. An investigation requires more than clicking a button and I am prepared to prove that in arbitration or federal court.

Final Warning : NO wet-ink contract = NO legal debt = DELETE IT IMMEDIATELY.

You are violating federal law by continuing to report unverifiable accounts.

You are now officially on legal notice. I expect immediate deletion of these items unless you can fully and properly validate the debt. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation