vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$620.00} Date Opened : XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Late Payment Report by CB Indigo Mastercard Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect late payment entry reported by Indigo Mastercard to the credit bureaus for XX/XX/year>. This late payment was due to no fault of my own, as CB Indigo Mastercards payment processing system failed to properly process my payment. 

I have maintained a strong payment history across all my credit accounts, including this one, and have had zero other negative marks on my credit report. The reported late payment is inaccurate and unfairly impacting my credit profile. 

As a fair resolution, I am requesting that CB Indigo Mastercard correct this error and remove the late payment from my credit report, as it was caused by their processing failure rather than any negligence on my part. 

Please let me know if any additional information is needed to facilitate this correction. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Carvana Group, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from XXXX ( XXXX # XXXX ). XXXX advertised that the vehicle passed a 150-point inspection and was in reliable condition. I also requested GAP insurance coverage but was misled about its availability.

Shortly after delivery, the vehicle experienced mechanical issues. The battery failed and was undersized and improperly installed, which should have been identified during inspection. The vehicle later suffered a major transmission failure, leaving me without transportation from XX/XX/XXXX to XX/XX/XXXX. Independent mechanics confirmed these issues existed before purchase, contradicting XXXX inspection claims. 

Additionally, XXXX failed to disclose the vehicles prior accident history, which I discovered later. XXXX provided me an inspection report only after I raised concerns ; the report was timestamped after my purchase date and marked " Awaiting Inspection, '' proving it was not completed before sale. 

The misinformation about GAP coverage also left me without protection. I was initially told I could obtain GAP coverage, only to learn post-sale that it was not available in Colorado. 

XXXX misrepresentations and deceptive practices caused significant financial loss, emotional distress, and hardship. I incurred repair costs, towing fees, and continued to pay for a vehicle I could not use. Despite escalating the matter to XXXX Executive Resolution team, I received no meaningful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-28 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


These following accounts are reporting inaccurate information on my credit report and need to be deleted.

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 2025-03-28 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
I was a victim of identity theft, and a fraudulent charge from XXXX XXXX XXXX was falsely added to my credit report. Despite repeatedly disputing this charge with the credit bureaus and providing a police report as proof, they continue to report the inaccurate debt. This false information is negatively impacting my credit, and I am demanding its immediate removal. I request that the company provide proof that I authorized this debt or cease reporting it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I had a credit card paid it down to XXXX dollars & I had only owed XXXX & I just couldn't pay it down because they kept jacking up the interest rate. Now I've been harassed and now people are coming to my home serving paperwork to my XXXX wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I was charged an additional payment of {$230.00} after the 2 authorized payments were taken with Acima Leasing. A women by the name of XXXX put in notes on my account that I had authorized this payment, however, I have never spoken to an XXXX in one of their stores, ( Rooms to Go ) nor did I authorized another payment to Acima Leasing. Now I can not get my money back as I filled out forms with my bank to decline the payment but Acima Leasing will not respond. I have been working with one of their people, XXXX. She can not help me either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I received a debt collection offer of settlement via email from your company. You are selling me a settlement offer I reject per section XXXX of the Texas Business and Commerce Code. Upon further research I found that this your company is violation of proper notice in pursuant to TFC, FDCPA and FCRA. I have since requested from them to verify and validate this alleged account but I received no response from your company. I also request proof of contract between your Harris & Harris company and the alleged creditor in your records that gives you authorization and my consent to have my information and use it for deceptive and unfair abuse to unjustly enrich yourself. To the extent the account was assigned I requested/request full disclosure of assignments, transfers, or bills of sale. I also seek account agreement, consumer agreement, card member agreement or promissory note along with account statements or payment history to support your company claims. 

It appears that your company not only provided false and misleading representation, but also causing undue hardship by reporting to consumer reporting agencies using an unfair advantage by not allowing me to dispute the validity of this alleged debt prior to harming my credit which causes limited opportunity for credit. Your company are intending to damage my character and reputation. This is a direct attack and a violation of my privacy to extort money from me. 

Per section 392.102 of the TFC ( Texas Finance Code ) I may make claim against your company bond number XXXX of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

I ask that unless your company can provide me legal authority and recorded evidence of above requests to back their claim, that you cease and desist all communications. Please also remove listed account from my consumer report. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I do not recognize these credit inquires and I had ask for them to be remove and the bureau did not do as I asked I am providing an identity theft report which I will attach I am request them to be removed because they are inaccurate and not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I am writing to formally dispute the inaccurate information being reported on my credit report under the account listed below. The item appears on my credit report as a repossession/charge-off in the amount of {$44000.00} and is listed under the name of XXXX XXXX. This account does not belong to me, and I have no knowledge of it. I was directly affected by the Equifax data breach, and I believe this account is the result of fraudulent activity related to that breach. As a result of the breach, my personal and financial information was compromised, and I am requesting that you investigate and remove this fraudulent account from my credit file. I am exercising my rights under 15 U.S.C. 1681 ( b ), which ensures that consumer reporting agencies maintain the accuracy and integrity of the information in consumer credit files. The Fair Credit Reporting Act requires that any information in my credit report that can not be verified as accurate must be removed. In accordance with 15 U.S.C. 1681i, I request that you investigate this matter and provide me with the results of your investigation within 30 days of receipt of this letter. Should you determine that this account is indeed a result of fraudulent activity, I request that it be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Imperial Recovery Consultants, LLC
State: TX

Complaint narrative:
I received a call from XXXX XXXX an employment staffing agency on Thursday about a possible employment position. I was asked to verify my Social Security number and date of birth and I did. The following morning my XXXX  XXXX XXXX car was repossessed from my apt complex parking lot, by XXXX XXXX. XXXX XXXX would not give me the name of the company that hired them to repossess my car. This car had a previous complaint against XXXX XXXX XXXX filed and removed from my credit file due to previous complaints of inaccurate VIN and vehicle model number listed on the original contract and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Tried to do a loan modification in XXXX, my trial payments were XXXX, XXXX and XXXX. I was told this process would be done by my XXXX payment which is due on the first and it is now the end of XXXX and they still have not finalized my loan modification. Because they are reporting my mortgage as delinquent my credit has dropped over XXXX points.

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 2025-03-28 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: FL

Complaint narrative:
I pulled out my credit report, and I have found accounts that I didn't apply for, and they don't belong to me. Ive disputed them with the major credit bureaus but they remain reported erroneously. 

XXXX XXXXXXXX XXXX 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 2025-03-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as reported by Experian. Despite previous disputes, the erroneous information remains, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Given the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for similar practices, I am requesting immediate corrective action.

According to the CFPB, Experian has engaged in deceptive practices regarding consumer credit reporting and disputes, citing " sham investigations '' and other unlawful practices. My situation reflects similar issues, as my disputes have not been properly investigated, and incorrect information continues to negatively impact my credit. 
These practices, as outlined by the CFPB, include Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. I also filed a FTC report, Report XXXX XXXX. 


Under the FCRA, Experian is legally required to conduct a reasonable investigation and correct or remove inaccurate, unverified, or outdated information within 30 days.

I request that you : Conduct a proper investigation into these inaccuracies.

Provide me with a written statement of your findings.

Remove or correct the erroneous information from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal obligations may result in further action, including filing a formal complaint with the CFPB and pursuing legal remedies.

Please provide a response in writing to the address listed above. I appreciate your prompt attention to this matter and expect a resolution within the FCRA-mandated timeline. 

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 2025-03-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as reported by Experian. Despite previous disputes, the erroneous information remains, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Given the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for similar practices, I am requesting immediate corrective action.

According to the CFPB, Experian has engaged in deceptive practices regarding consumer credit reporting and disputes, citing " sham investigations '' and other unlawful practices. My situation reflects similar issues, as my disputes have not been properly investigated, and incorrect information continues to negatively impact my credit. 
These practices, as outlined by the CFPB, include Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. I also filed a FTC report, Report XXXX XXXX. 


Under the FCRA, Experian is legally required to conduct a reasonable investigation and correct or remove inaccurate, unverified, or outdated information within 30 days.

I request that you : Conduct a proper investigation into these inaccuracies.

Provide me with a written statement of your findings.

Remove or correct the erroneous information from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal obligations may result in further action, including filing a formal complaint with the CFPB and pursuing legal remedies.

Please provide a response in writing to the address listed above. I appreciate your prompt attention to this matter and expect a resolution within the FCRA-mandated timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation