vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing this formal complaint as a consumer asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], due to my status as a verified victim of identity theft stemming from a data breach. My personally identifiable informationincluding my full legal name, Social Security number, and other sensitive credentialswas accessed or disseminated without my authorization and has been misused in connection with one or more credit transactions appearing on my consumer report. 

I did not authorize the creation of any such accounts, nor did I give consent for any person, business, or data furnisher to utilize or monetize my information in connection with a credit inquiry, lease, loan, or service agreement. These actions were taken without my knowledge and constitute clear identity misuse as defined by federal statute.

Pursuant to my rights under FCRA 605B, I have submitted an Identity Theft Report to the Federal Trade Commission and provided documentary evidence to the consumer reporting agency ( ies ) and furnishers, including a government-issued ID and proof of residence. Despite this, the inaccurate, fraudulent, and unauthorized data continues to be reported, violating the mandated obligation to block and permanently remove such information within four business days upon proper notice.

I am therefore demanding : 1. The immediate and complete blocking of all information resulting from this identity theft as outlined in 15 U.S.C. 1681c-2 ( a ). 


XXXX. The permanent deletion of any tradelines, inquiries, or data associated with the fraudulent use of my information. 


XXXX. Confirmation that no such blocked information will be redisclosed, sold, or reinserted absent full compliance with FCRA 605B ( c ) and ( d ).

Continued reporting of this informationdespite my valid Identity Theft Reportconstitutes willful noncompliance and is actionable under 15 U.S.C. 1681n and 1681o. I respectfully request the Consumer Financial Protection Bureau investigate the involved partys failure to fulfill their statutory obligations and ensure that this matter is resolved in full accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TN

Complaint narrative:
We use Netspend as primary card and account. My husbands entire income is direct deposited every XXXX weeks. Since XXXX I have not been able to log into the app or on the website in order to transfer money and use my card or account. This effectively has left us with XXXX money. The company has not been forthcoming with the issue or any timeframe of a fix.

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 2025-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
A collection company called : Spring Oak Capital LLC. Keeps asking me while paying down debt can be difficult, you dont have to go it alone. Spring Oak Capital LLC is NOT the Original Creditor of the Personal Loan I got with XXXX XXXX XXXX. I am NOT aware of who Spring Oak Capital LLC is. Theyre NOT my original creditor for my personal loan. 

Spring Oak Capital LLC emailed me at : XXXX on XX/XX/year>. I am not aware of who Spring Oak Capital LLC is. That is not the company I got the XXXX XXXX from. 

Amount asked for : {$930.00} Spring Oak Capital LLC emailed me at : XXXX on XX/XX/year>. 

Amount asked for : {$930.00} And many more emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: AZ

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC and XXXX XXXX XXXX for furnishing and maintaining inaccurate, unverifiable, and selectively reported collection accounts on my Equifax credit report. 

The following XXXX accounts appear only on Equifax, and are not reported on XXXX XXXX XXXX : XXXX XXXX XXXX Account # XXXX Balance : {$590.00} XXXX XXXX XXXX Account # XXXX Balance : {$530.00} Both were reported with the same last payment date of XX/XX/XXXX and listed as closed on XX/XX/XXXX, with no documentation ever sent to me. These tradelines appear unverifiable and artificially inflate my debt load and derogatory account count. 

Additionally, I am a confirmed and compensated victim of the XXXX Equifax data breach, having received multiple payouts. Due to the risk of compromised and mismatched data, I am exercising my right under FCRA 1681c-2 ( a ) to request deletion of these unverified collection accounts. 

I have already attempted to resolve this through Equifaxs online portal but received no supporting documentation or human verification. 

I am requesting that CFPB : 1. Investigate Equifaxs failure to conduct a proper reinvestigation of these accounts 2. Investigate whether XXXX XXXX is furnishing unverifiable or mismatched data XXXX. Enforce deletion of both accounts under FCRA 1681c-2 ( a ) due to breach victim status and unverifiability 4. Hold both entities accountable for violating FCRA 607 ( b ), 611, and 623 I reserve the right to pursue further enforcement with the FTC, state Attorney General, or litigation under FCRA XXXX if this matter is not resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ 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 2025-08-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
They keep sending back my payments after they have been made and deducted from my account and charging me more fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I found out on XX/XX/XXXX that my bank account was going to be closed and that it was in the process of being closed. That same day I received a backpay installment from Social Security for my daughters that we requested due to meeting the funds for emergency housing, as I am a represented payee to XXXX XXXX children. I was assured that I could go in the branch to receive those funds due to the situation. I was strong along for 48 hours via representatives and supervisors on the phone guaranteeing. I would have access to those specific funds in a certain amount, leaving the remaining funds in the account to any claims that they deemed necessary. 
Not only did they send me to multiple branches and embarrass me leading me to have a complete XXXX XXXX in my car running out of gas to get to these branches, but they continuously accepted another deposit from Social Security even after I change my direct deposit info for this deposit. I have been told multiple different information from this company and I have recordings and documentation. I am now homeless without any money and Im told that my account will be closed tomorrow the fourth and I have to wait for a check. I check being mailed to a place that I no longer live at because I am now homeless due to this. They didnt even give me a chance or a fighting chance to help my XXXX children and it is absolutely horrific. It wouldnt be as troubling if they did not assure me this would not be the outcome multiple times on a recorded line. My children have suffered thoroughly because of this and chase does not seem to give a care in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I have the right to my privacy state this statute 15 U.S Code 1681 a Rule 9037 ensures sensitive personal information stays private in bankruptcy filings. It requires redacting Social Security numbers, financial account details, birth dates, and names of minors before documents are made public. Filing parties, not court clerks, are responsible for compliance.

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 2025-08-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my credit report and notice that they were hard inquiries that were not mine there.

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 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I called the customer service number on my XXXX  Virtual Reward gift card ( issued by XXXX Bank ) to ask if it could be linked to XXXX. The representative said yes and offered to help, then took all of my card information. Within hours, my card was emptied through unauthorized charges made in XXXX XXXX, XXXX  I live in XXXX, XXXX and have never been to XXXX XXXXOn XX/XX/XXXX, I contacted XXXX to report the fraud when the charge was still pending. They initially said they could not do anything until the charges went through. The next day when the charges went through I called again, and was promised my funds would be returned on XX/XX/XXXX. On XX/XX/XXXX my balance was not updated which prompted me to call visa again and I was told it would reverse in 10 days. They asked me to raise a case then I was told to email the dispute team with proof which I did only to be told later that the dispute team doesnt accept emails. Despite these communications and clear geographic fraud, my dispute case ( ref # XXXX ) was ultimately closed without explanation and marked no fraud found. 

I was told by the customer support that my initial call did not reflect on their end and that I called the wrong number. I was also denied access to the name or ID number of the agent I spoke with and was repeatedly stonewalled when asking for a supervisor. I was defrauded by someone within XXXX Virtual Reward card customer service/ XXXX  support team. 

I am requesting an immediate review, full refund of the {$1000.00} stolen from my virtual card, and a full explanation of why my evidence was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
I am disputing multiple inaccurate and fraudulent accounts reported on my credit file by the major credit reporting agencies Equifax, TransUnion, and Experian. These accounts were opened and/or reported during a time when I was incarcerated and had no access or ability to authorize or open any accounts. My incarceration lasted from XX/XX/XXXX to XX/XX/XXXX, and many of these accounts were added within that period. 

I did not give written consent to any creditor or furnisher to access or report my information to the credit bureaus under 15 USC 1681b ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ( A ). These accounts were furnished in violation of the Fair Credit Reporting Act ( FCRA ), and the credit bureaus failed to verify or validate these entries accurately before including them on my file, violating 15 USC 1681e ( b ).

I have already submitted dispute requests to the credit bureaus, but I am not satisfied with the handling or the ongoing investigation status. Many of the accounts in question : Are fraudulent Lack any documentation of my consent or authorization Were reported while I was incarcerated and unable to act in the marketplace Continue to harm my credit profile and limit my opportunities post-incarceration I am requesting a full reinvestigation of each item in question and removal of any unverifiable or inaccurate account information. I am also requesting an audit trail of who accessed and furnished information on my credit file without proper legal authorization during the time of my incarceration. 

Please take formal action to investigate these violations and ensure compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
I am disputing multiple inaccurate and fraudulent accounts reported on my credit file by the major credit reporting agencies Equifax, TransUnion, and Experian. These accounts were opened and/or reported during a time when I was incarcerated and had no access or ability to authorize or open any accounts. My incarceration lasted from XX/XX/XXXX to XX/XX/XXXX, and many of these accounts were added within that period. 

I did not give written consent to any creditor or furnisher to access or report my information to the credit bureaus under 15 USC 1681b ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ( A ). These accounts were furnished in violation of the Fair Credit Reporting Act ( FCRA ), and the credit bureaus failed to verify or validate these entries accurately before including them on my file, violating 15 USC 1681e ( b ).

I have already submitted dispute requests to the credit bureaus, but I am not satisfied with the handling or the ongoing investigation status. Many of the accounts in question : Are fraudulent Lack any documentation of my consent or authorization Were reported while I was incarcerated and unable to act in the marketplace Continue to harm my credit profile and limit my opportunities post-incarceration I am requesting a full reinvestigation of each item in question and removal of any unverifiable or inaccurate account information. I am also requesting an audit trail of who accessed and furnished information on my credit file without proper legal authorization during the time of my incarceration. 

Please take formal action to investigate these violations and ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX ( or portfolio recovery associates ) continues to report a debt I did not authorize. Insurance lapsed and I never agreed to extended coverage. I've disputed this directly with the credit bureaus, but it remains unresolved without proper validation or contract. This is harming my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>,

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 2025-08-03 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:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting 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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disagree with the reported information. The historical balances and payment history is incorrectly reported.

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 2025-08-03 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} INQUIRIES : XXXX XXXX Date XXXX XX/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 2025-08-03 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I settled an obligation with Affirm, and I was explicitly informed that this settlement would not be reported to the credit bureaus. However, upon reviewing my credit report, I noticed that the settled account is being reported as a paid settlement, '' which has adversely affected my credit score.

Despite my efforts to resolve this issue by reaching out to Affirms customer service multiple times, I have not received a satisfactory resolution or correction to my credit report

Company response to consumer: Closed with explanation