vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I contacted Spring Oaks Debt collection Agency regarding a collection on my credit report. The agreement amongst was to settle debt by paying to delete debt from my credit report. Before paying for deletion I asked several times will the collection be removed from my credit report and I was told yes. Payment was made on the XX/XX/year>2025. Spring Oaks Debt Collection Agency said that I would be receiving a letter in the mail XXXX business days from XX/XX/scrub> 2025 stating that collection would be removed from my credit report with 30 days of the XXXX balance. I called several times after payment and spoke to several different representatives and they all said the same regarding letter. I called several times on today when it has been 1 day over the 10 business days and now theyre saying that they do not send out those kind of letters. They also said that they sent out an email on the XXXX which I never received and still dnt have it after they said they sent it out again today. I spoke with a manager on today and she also stated the same. This has really been a total inconvenience for me being that I had some really important things that I need to do that involves my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX, Balance : {$5600.00} INQUIRIES : EXPERIAN XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : 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 2025-08-01 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 XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-08-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple accounts serviced by XXXX XXXX Department of Education that are inaccurately reporting 90-day late payments on my credit file despite being in deferment status. 

The affected accounts are listed under : Dept of Ed / XXXX Account # XXXX Dept of Ed XXXX XXXX Account # XXXX Dept of Ed / XXXX Account # XXXX The accounts are showing 90-day late payments in XX/XX/XXXXXXXX  across TransUnion, Experian, and Equifax. However, these accounts are simultaneously reporting as Open Current Payment Deferred. Reporting a delinquency on a deferred loan is factually incorrect and in violation of FCRA 607 ( b ), which requires maximum possible accuracy.

Furthermore : These are federally backed student loans that were under CARES Act administrative forbearance protections, which extended through XXXX. No delinquencies should have been reported during this period. 

The accounts are not flagged as in dispute despite my prior disputes, violating FCRA 623 ( a ) ( 3 ).

There are discrepancies in how the accounts are being reported across different credit bureaus, which indicates incomplete verification procedures.

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 2025-08-01 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: OH

Complaint narrative:
I provided information for a pre-qualification on XXXX 's website to see loan offers. I then selected one specific offer for a company and provided my social security number only at that point to have my credit run to be approved for that one loan. They shared my credit with other agencies without my knowledge and now I am getting offers, and even worse, denials from other companies that are seeing my credit. I did not approve a " shop '' of my credit. I inputted my social security number only after I selected a specific offer from one specific company. How can it be legal that they shop me like this? I can't even access my information now because I keep requesting a password or a " login without password '' and they won't send me anything. There is no opt-out without this. I emailed them as well. 

Kind Regards, 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : Confirmation # XXXX | XXXX XXXX XXXX XXXX On XX/XX/XXXX2025, I disputed the XXXX XXXX * XXXX tradeline through Equifax 's website. However, due to problems with the online dispute portal, I could not upload supporting documents. My dispute from XX/XX/XXXX, 2025, is attached. Also, attached are Equifax webpages ( or screenshots ) that display the message of me not being able to upload documents. I am attaching three documents to support the XX/XX/XXXX2025, dispute. One of the attached supporting documents is a webpage from XXXX XXXX 's website and it shows my payment on XX/XX/XXXX2025. Another document is an email from XXXX XXXX that confirms a {$100.00} payment on XX/XX/XXXX2025. The other supporting document attached is a page from my XXXX  report and it shows that I was current on the payment due in XX/XX/XXXX2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XXXX XX/XX/year> I got an email stating that my account is closed. When I tried to make appeal, I was not able to cause they close that option for me also. I made a complaint to the complaint department and requested them to at least provide me a reason why my account is closed on XX/XX/year>. They responded me XX/XX/year> that they made the right decision to close my account and also they have the right to not disclose the reason why my account got closed. They apologized regarding making confusion for appeal. And they told that they are sending meXXXX pounds as compensation due making confusion about making appeal which they closed that option for as well. Also they mentioned again that my account is closed and I am not able to make appeal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-01 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: IN

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, used, or managed these accounts. This is completely unacceptable, as it misrepresents my financial history and contains inaccurate and misleading information. 

I take my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning. I am requesting an immediate investigation into how and why these accounts were reported under my name and who is responsible.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am requesting that the creditor either correct the inaccurate and incomplete information being reported, or remove the account from my credit report if it can not be verified in full. I request written confirmation of the resolution and correction sent to the credit bureaus.

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 2025-08-01 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: Synovus Bank
State: CA

Complaint narrative:
I am submitting this complaint in response to a debt collection notice from XXXX XXXX XXXX, XXXX, regarding an alleged debt with Synovus Bank totaling {$24000.00}. This debt is fraudulent and was incurred as part of a larger identity theft case, discovered and documented in XX/XX/XXXX. 

After pulling XXXX credit report, we identified seven unauthorized accounts opened in her name without her consent. The Synovus Bank account ( opened under XXXX XXXX XXXX XXXX, a division of Synovus ) was among them, with an opening date of XX/XX/XXXX. 

A full identity theft report was filed with the FTC and local police. We also filed disputes with all three major credit bureaus ( XXXX XXXX XXXX ), and each ultimately removed the Synovus account along with the six other fraudulent accounts from her credit file following their investigation. 

Despite this, we recently received a collection notice from XXXX XXXX XXXX regarding the Synovus account. We submitted a formal dispute to them via email on XX/XX/XXXX and provided the following documentation : 1. Full Experian credit report showing the fraudulent accounts 2. Police report 3. FTC Identity Theft Reports 4. Complaints filed with XXXX XXXX and XXXX 5. Detailed written summary of all fraudulent accounts and actions taken We have received no response to date, and the collection attempt is causing serious distress over a matter that was already resolved years ago. 

We respectfully request that the CFPB : 1. Contact XXXXXXXX XXXX XXXXXXXX and demand they cease collection activity, 2. Ensure this fraudulent debt is removed from all records, 3. Confirm whether Synovus Bank still owns the account or sold it to XXXX XXXX XXXX. 

All relevant supporting documentation is attached again for reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have recently discovered fraudulent accounts listed on my credit report with your bureau that were opened without my knowledge or consent. I did not authorize these accounts, and I am in no way responsible for them. 

I am requesting that you immediately remove all fraudulent accounts and any associated inquiries from my credit report to correct the inaccuracies caused by this identity theft. I have already filed a police report regarding this matter, and I am prepared to provide you with any additional documentation or information you may require to verify my identity and the fraudulent nature of these accounts.

Thank you for your prompt attention to this serious matter. I look forward to your confirmation that the fraudulent accounts have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
I respectfully request a correction to a late payment entry that has been mistakenly added to my credit profile. I have always paid this account on or before the due date and ask that you reinvestigate and correct the payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
Experian, Equifax, and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax, and TRANSUNION 's inaction violates federal law and my rights as a consumer. ''

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 2025-08-01 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: CA

Complaint narrative:
Experian, Equifax, and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and TRANSUNION has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian, Equifax, and TRANSUNION 's inaction violates federal law and my rights as a consumer. ''

Company response to consumer: Closed with explanation