vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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/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 2025-11-17 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: CA

Complaint narrative:
I am submitting a dispute regarding inaccurate or unverifiable information reported on my TransUnion credit file. Please review and correct the following : Charged Off Accounts : DEPTEDXXXX  ( all listed accounts from XXXX ) CXXXX 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 XXXX  These accounts contain discrepancies in balances , dates, and account statuses, and some items may not be verifiable. I request TransUnion : Contact the original creditors to verify each account.

Delete or correct any information that can not be verified under the FCRA.

Provide written confirmation of any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-11-17 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-17 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:
I am writing to dispute the following items on my credit report. These accounts are being disputed due to inaccuracies in the reporting of account status, payment history, or the presence of unverified inquiries. Please find the relevant details below : Equifax ( EQ ) Charged Off Accounts : XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
When I reviewed my credit report I noticed a collection from Spring Oaks Capital for five hundred twenty four. I never received any type of notice from them before seeing this appear on my report. I do not recognize Spring Oaks Capital as a company I have ever dealt with and I was never informed that my personal information would be sent to them. I did not authorize any third party to handle or collect anything tied to my name. There was no warning, no communication, and no explanation about how they obtained my information. This has caused confusion because nothing about this placement was ever approved or acknowledged by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this complaint to the Consumer Financial Protection Bureau because I believe the following information on my credit reports is inaccurate, incomplete, or being reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate these matters and ensure that all credit bureaus report only verified, accurate information. 

Disputed Accounts : XXXX XXXXXXXX Account XXXX. XXXX Date : XX/XX/XXXX Status : XXXX XXXX XXXX : I do not believe this account is being reported accurately. Please provide documentation verifying ownership, charge-off balance, and payment history. 

XXXX Account XXXX. XXXX Date : XX/XX/XXXX Status : Charged Off Issue : This account is old and should no longer be reporting. Please verify that it complies with the FCRAs 7-year reporting limit and confirm accuracy of any balance information. 

UNAUTHORIZED COLLECTION XXXX Date : XX/XX/XXXX Amount : {$2900.00} Issue : This appears to be an unauthorized collection. I have no knowledge of this debt and have never received validation from the collector. Please provide verification and proof of authorization. 

Inquiries to Review : Please confirm the legitimacy of all hard inquiries and remove any unauthorized pulls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
Dear Sir/Madam, I am disputing the following items on my credit report with Experian. These items are inaccurate and should be investigated for accuracy and proper reporting. Please review the accounts listed below : Inquiries 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

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 2025-11-17 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I had a fraud claim with Bank of America. Claim number : XXXX, it was solved in 10 days stating that I made the transaction, claim opened on XX/XX/XXXX. The problem is the merchant XXXX XXXX let my money get stolen and is flagging my account with no help. I am requesting that they reverse all transactions to XXXX in the last 60 days, as this is my whole savings and I cant find anyone to help. Thank you for your help with this.

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 2025-11-17 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: IL

Complaint narrative:
I am submitting this complaint because my credit reports contain inaccurate and/or unverifiable information being reported by one or more credit reporting agencies. I am requesting that these items be fully investigated in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and that any unverifiable or inaccurate information be permanently deleted from my credit file.

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 2025-11-17 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:
I am submitting this dispute statement regarding my credit report inaccuracies. Below are the details of the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Bank of America Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Summary of Complaint : Bank of America performed an illegal post-settlement ACH reversal on funds that were already settled and deposited into my BlueVine business account on XX/XX/year>. On or about XX/XX/year>, they reversed the funds without my authorization, without providing notice, and without providing any ACH return code or documentation. 
Bank of America also deleted the original outgoing transaction from my online banking history to avoid being discovered for the improper reversal. This constitutes a major UDAAP violation and deceptive tampering with records. 
Their actions caused my XXXX business account to be suspended, placed me at risk of collections, and caused severe emotional and financial distress. 
I am requesting the CFPB to : Investigate Bank of Americas unlawful reversal Require restoration of the {$3800.00} Require Bank of America to provide complete documentation and reversal code Require compensation for damages in the amount of {$25000.00} Ensure Bank of America corrects all internal records Submitted

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 2025-11-17 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: FL

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 trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I'm on military deployment and made payments prior to the monthly close date. Freedom mortgage claims the payments did not process in time. Freedom marked all payment as late. I've been on deployment.

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 2025-11-17 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:
Ensure the removal of disputed accounts is performed within legal constraints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am writing to dispute several items on my credit report, as they contain inaccuracies and incomplete information. Below are the details of the accounts in question, categorized by the respective credit bureau. 


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

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This correspondence is intended to formally contest the referenced accounts. I did not authorize them and am not linked to them. I request prompt removal and review. Supporting material is attached.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Beginning in XXXXXXXX XXXX XXXX XXXX noticed that purchases I made on XXXX using XXXX and paid with my U.S. Bank credit card were suddenly being classified by U.S. Bank as cash advances. Each transaction was charged a {$10.00} cash-advance fee, even though these purchases were standard online retail orders from an online merchant. 

I have been making purchases from XXXX using XXXX for several years, and these transactions have never been treated as cash advances in the past. This reclassification and fee assessment began only recently, without any change in my purchasing behavior. 

Since noticing these fees, I have attempted to resolve the issue with U.S. Bank on three separate occasions : 1. Phone call Credit Card Department on XX/XX/year> XXXX. Phone call Credit Card Department on XX/XX/year> 3. Online chat with a U.S. Bank representative on XX/XX/year> During each interaction, both representatives and supervisors informed me that U.S. Bank could not assist me, stating that the issue was not their responsibility. They advised that it was the merchants decision. However, when I contacted XXXX, they confirmed that they do not initiate credit-card cash-advance transactions, and that the fees were imposed solely by U.S. Bank. 
In each of my communications with U.S. Bank, I requested a way to block or prevent cash advances from being initiated without my authorization, as I am not intentionally performing any cash-advance transactions. I was told that no such option is available. 
Additionally, multiple U.S. Bank representatives instructed me that I would need to contact the merchant before every single online purchasewhether XXXX, XXXX, XXXX, XXXX, or any other retailerto verify that they will not process the charge as a cash advance. This was presented as the only way to avoid these fees. I expressed that this is unreasonable, impractical, and places an excessive burden on customers for something outside their control. 

The only alternative U.S. Bank offered was for me to stop using the credit card entirely, which raises concerns about the safety and reliability of the card if normal online purchases can be arbitrarily reclassified as cash advances without justification. 
Despite my repeated attempts to resolve the issue, U.S. Bank has not provided a remedy, has not offered to waive any of the improper fees, and has not provided a clear explanation for this reclassification. The fees appear arbitrary, and I consider them unauthorized and improper charges, especially since no cash-advance service was requested, intended, or received. 

I am filing this claim to dispute these charges and to seek resolution for what I believe are unfair and erroneous cash-advance fees.

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