vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal legal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 
I am a verified victim of identity theft, and the following accounts were fraudulently opened and/or closed without my authorization. These accounts are not mine, and your continued reporting of them constitutes serious violations of FCRA Sections 605B [ 15 U.S.C. 1681c-2 ], 1681e ( b ), and 1681i. 

Accounts to Be Permanently Deleted, Blocked, and Not Reinserted :

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company Capital One. There is a clear inconsistency in how the account is reported across the three major credit bureaus regarding the 'last payment date '. The dates listed on XXXX, XXXX, and XXXX  are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
The Bureaus has not validated debt its been well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXX XXXX BALANCED {$5600.00} DPT ED/XXXX XXXX BALANCED {$6200.00} DPT ED/XXXX XXXX BALANCED {$42000.00} DPT EDXXXX XXXX  BALANCED {$840.00} DPT ED/XXXX XXXX BALANCED {$6900.00} DPT ED/XXXX XXXX BALANCED {$3600.00} DPT ED/XXXX XXXX BALANCED {$2100.00} DPT EDXXXX XXXX BALANCED {$3600.00} DPT EDXXXX XXXX BALANCED {$2300.00} DPT ED/XXXX XXXX BALANCED {$3300.00} DPT ED/XXXX XXXX  BALANCED {$19000.00} DPT EDXXXX XXXX BALANCED {$22000.00} CHARGE OFF : XXXX XXXX XXXX  BALANCED {$2000.00}

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 2025-06-19 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$66.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$66.00}

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 2025-06-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-19 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MOHELA
State: WI

Complaint narrative:
I disputed a XXXX XXXX account reported by MOHELA with XXXX  on XX/XX//2025, as I was unable to locate a valid Master Promissory Note ( MPN ) in my records through the official XXXX Department of Education portal XXXX XXXX  ). The system showed Records not found, indicating there is no verified record of this loan. Despite this, XXXX  responded on XX/XX/2025 stating the account was Verified and Updated. However, the dispute was not resolved properly, as the essential document proving the legitimacy of the debt was never presented or located. I am requesting a formal investigation and removal of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Company Name : SPRINGOAKCAP Original Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint : I am filing this complaint against SPRINGOAKCAP regarding the handling and collection of a credit card debt originally issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the legitimacy and conduct related to the reporting, validation, and collection practices associated with these debts. 

SPRINGOAKCAP is attempting to collect debts allegedly owed to the original creditors mentioned above. However, I have several concerns : Lack of Proper Validation : I have requested debt validation from SPRINGOAKCAP under the Fair Debt Collection Practices Act ( FDCPA ), but to date, I have not received any detailed, verifiable documentation proving the validity of the debt, including a full payment history, proof of the original contract, and assignment documentation from the original creditor. 

Confusing and Inaccurate Reporting : The accounts are being reported to credit bureaus with inconsistent or incorrect information. For example, one or more accounts may reflect inaccurate balances, dates opened, or payment history, or they are being reported under different names ( SPRINGOAKCAP versus the original creditors ), creating confusion and potential damage to my credit profile.

Possible Misrepresentation : It is unclear if SPRINGOAKCAP has proper legal ownership of these debts or the authority to collect. I am concerned that their collection efforts may violate FDCPA or FCRA standards if they can not provide proof of ownership or documentation showing a legal assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Aggressive or Unclear Collection Attempts : In some cases, communication has been vague, unprofessional, or even threatening in tone, which adds to the distress and confusion. These actions may constitute harassment under federal law.

=

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and inconsistent account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX across the three credit bureaus : Equifax, TransUnion, and Experian. 

The account information is reported differently across bureaus : Equifax reports the account as an open collection account with last payment on XX/XX/year>, balance owed of {$850.00}, and shows 120 days late. 
Experian and TransUnion show the same account as a collection/charge-off but with different last active dates and no payment history. 

This violates multiple consumer protection laws, including : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate, complete, and consistent data. 
FCRA 1681e ( b ) Credit reporting agencies must maintain procedures to ensure the maximum possible accuracy.

FCRA 1681i The account was disputed but continues to report with errors.

FCRA 1681b Reporting must have a permissible purpose, which is not met when data is unverifiable.

FCRA 1681c Dates reported must be correct and consistent.

FDCPA 1692e It is deceptive for a debt collector to misreport or inconsistently report account information.

I have also disputed this account previously, and it has been removed from my XXXX report, indicating it could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} Date Opened : XX/XX/year>2017. 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-19 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: NY

Complaint narrative:
Im writing to demand the immediate deletion of an account on my credit report that was opened fraudulently and without my knowledge or consent. This was an unauthorized use of my identity, and I want to make it absolutely clear : I did not apply for, open, or approve this accountperiod. 

I dont owe this debt. I never agreed to it. Ive never had a relationship with this company, and I did not authorize anyone else to open any credit lines or accounts on my behalf. 

This is identity theft, plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I purchased my home through a VA loan Assumption with Rocket Mortgage and closed on XX/XX/year>. My closing package and closing disclosure was issued on XX/XX/year> and showed a balance of {$1300.00} in the escrow account I was assuming. Post-closing, I received an Escrow Account Disclosure Statement issued on XX/XX/year> showing a beginning balance of - {$2000.00} in the escrow account and was told that my mortgage payment would be increasing to cover the shortage. After requesting the transaction history on the escrow account, I learned that the shortage was due to a disbursement for the prior owner 's insurance on XX/XX/year>. This transaction occurred before my closing disclosure was issued but it was never disclosed to me. I spent multiple months trying to dispute this with Rocket Mortgage and explained that " I should not be responsible for this and any coordination with the insurance company to cancel/refund the previous policy should be handled by Rocket Mortgage or the prior owner ''. To which they responded " please be advised when assuming a loan you do assume the loan as is and take over any escrow shortage ''. However, this does not relinquish their obligation to disclose the escrow account balance to me as I did not sign a blank check. I eventually paid the shortage to avoid a penalty, but I continued to complain and requested a refund which they were unable to give me. Essentially, I paid for two homeowner 's insurance policies. I was forced to pay Rocket Mortgage the loss they incurred on the account while also paying for my own homeowner 's insurance policy, and the previous owner received a refund from the insurance company. 

I also learned that a tax refund for {$1700.00} was deposited into the escrow account on XX/XX/year>, which was then removed shortly after. When I asked how/why they removed the tax refund, they were unable to give me a clear answer or any evidence of where the tax refund went. Based on my experience with Rocket Mortgage XXXX, it is clear to me that they will quickly claim the benefits of any refund/positive balance while forcing their customers to cover the losses even when the loss is a result of their negligence and failure to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}

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