vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXeported Late Payments : XX/XX/year> Account in Question : Creditor Name : DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : 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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
b'FORMAL COMPLAINT TO THE CONSUMER FINANCIAL\nPROTECTION BUREAU (CFPB)\n\nAccount holder name: 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 retention\n\nSUBJECT\nIllegal retention of business funds and false allegations of customer disputes by U.S. Bank.\nDETAILED DESCRIPTION OF FACTS\nI am the holder of a business account with U.S. Bank in the name oXXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXXy online banking access was suspended because my account was\nplaced into closure status. On XXXX XXXX XXXX  U.S. Bank officially closed my account.\nThe main incident occurred oXXXX XXXX XXXX XXXX XXXXhen the bank notified me by phone that they\nwould not return my funds, alleging supposed customer claims, fraud complaints, and alleged\nrefunds/chargebacks. These statements are false and impossible. ApproximatelXXXX XXXX  of my\ndeposits were payments sent through XXXX  Business, which does not allow disputes, automatic\nrefunds, or bank-initiated reversals. Any refund must be voluntarily initiated by the recipient, which I\nnever did.\n\nThe remaining deposits were ACH credits and WIRE transfers sent by legitimate travel agencies\nwith whom I maintain an established business relationship. These payment types cannot be\nreversed without documentation and proper notice, none of which was provided. U.S. Bank never\ncontacted me by phone, email, or any other method to obtain my version of events or notify me of\nalleged claims. No customer has contacted me with complaints, and I have no refund requests or\ndisputes. The bank has not provided evidence, documentation, case numbers, or legal justification\nfor the retention of approximately XXXXnFORMAL REQUEST TO THE CFPB\nI respectfully request that the Consumer Financial Protection Bureau:\n1. Require U.S. Bank to provide a formal written explanation for the account closure and retention of\nmy funds.\n2. Obtain verifiable evidence of the alleged customer claims or fraud complaints used to justify the\nhold.\ntransactions.\n3. Order the immediate release of approximaXXXX XXXX XXXXinating from legitimate business\n4. Determine whether U.S. Bank has engaged in deceptive or unfair practices (UDAAP).\nI am prepared to provide account statements, XXXX Business transaction logs, ACH and WIRE\nconfirmations, and any additional documentation necessary.\nSincerely,\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 monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX  XXXX XXXX XXXX regarding an account reported by JEFFERSON CAPITAL SYSTEMS ( account number XXXX, amount {$1000.00} ) that does not belong to me. I never authorized, opened, or signed any agreement with this company or the original creditor. On XX/XX/year>, XXXX  completed the reinvestigation and marked the account as " Verified as Accurate '' without providing any supporting documentation, contract, or wet signature. This constitutes a sham investigation and a failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax 's response also admits that the furnisher " verified that this item belongs to you, '' which is false and unsupported by evidence. I previously requested validation from XXXX XXXX XXXX under 15 U.S.C. 1692g ( b ), asking for the original signed contract, the name of the original creditor, and proof of authorization. They failed to provide it. Reporting this account without proper validation violates both the FCRA and FDCPA. This inaccurate reporting has caused credit denials, emotional distress, and damage to my reputation. I am demanding the immediate deletion of this unverifiable and unauthorized account from my consumer report and a written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Fraudulent Account/ identity theft. 

I got a letter from spring oaks capital LLC ( address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. Toll free number XXXX ) on behalf of XXXX saying : I had a XXXX XXXX  account with number XXXX. The creditor on XX/XX/year> was XXXXXXXX XXXX The account is now owed by Spring Oaks Capital SPV , LLC. 

I am sending this complaint because I was never involved nor applied to a XXXX XXXX  indicating this is an identity theft, I spoke today to Spring Oaks Capital LLC to report this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This month, I discovered a highly disturbing problem ; someone has been using my identity to create fraudulent accounts without my awareness or consent. I want to state unequivocally that I NEVER approved these items, and this situation clearly constitutes identity theft. This issue has caused me significant stress, and I am urgently requesting prompt action to address it. 
These are the items : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This month, I discovered a highly disturbing problem ; someone has been using my identity to create fraudulent accounts without my awareness or consent. I want to state unequivocally that I NEVER approved these items, and this situation clearly constitutes identity theft. This issue has caused me significant stress, and I am urgently requesting prompt action to address it. 
These are the items : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED of 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Exto Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I created an applied for a credit card with Atlas. It advertised a {$15.00} credit and credit building services. But it was all very confusing from the beginning and turned into a nightmare to deal with. Atlas was suddenly getting charged fees when I linked my bank account. The terms were very unclear since even though I had paid fees, it still showed that I owed them money. Then a few days later my account is frozen and I can't use the card. I uploaded a picture of my ID since that's what it said I needed to do the use my account. Then they said they needed a bank statement from me. Then on XX/XX/XXXX my paycheck was sent to them instead of my normal checking account and led to my checking account being overdrawn. I never authorized them to change my direct deposit information with my employer. I didn't even think that was possible without going through my employer. Now my account with Atlas is still frozen and they are refusing to answer me or transfer my money back. So they took my whole paycheck and are refusing to release it. They don't even have a real customer service to call. All they have is a chat box where they never answer what you ask them and they take a day to respond to you. Atlas is an absolute scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
To Whom It XXXX Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I am filing this complaint because Lakeview Loan Servicing has repeatedly failed to close my FHA XXXX refinance despite the loan being cleared to close for weeks. Today marks 60 days since I began the refinance process. My closing date has been moved XXXX separate times without any explanation, including after a notary was already scheduled to come to my home. 

Although XXXX confirmed the loan was approved and ready for closing, they cancelled each scheduled closing date at the last minute and did not give a reason. I repeatedly asked why the file was not closing, whether there were outstanding conditions, and why the closing department could not finalize the loan. I was never provided a substantive answer, and supervisor involvement was never offered. 

These delays have caused documented financial harm, including : A late fee for XXXX directly caused by XXXX failure to close An increase of more than {$2000.00} in closing costs Additional accrued interest because the loan has not closed Significant disruption due to repeated cancellations of scheduled closings and notary appointments An FHA Streamline loan should not take 60 days or involve repeated failed closings after the loan is cleared to close. XXXX has not provided accurate information, has not explained the delays, and has not followed through on scheduled closing dates. 

I am requesting CFPB assistance because the company has not resolved the issue despite multiple attempts on my part.

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