vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just want to Follow up this items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 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 2025-12-19 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: SC

Complaint narrative:
I am submitting to follow up on my previous complaint regarding inaccuracies reported on my Transunion credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon further review of my credit report, I have identified several items that appear to be inaccurate, unauthorized, unverifiable, or may be a result of a mixed file. These discrepancies are causing undue harm to my creditworthiness and financial stability. As a victim of multiple national data breaches and large-scale incidents that exposed personal consumer data, it is vital that my credit report reflects only accurate, authorized, and fully verifiable information. 
XXXXXXXX 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 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 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 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  Specifically, I have highlighted several accounts that appear to have erroneous balances, inaccurate reporting of creditors, and outdated information, some of which may be linked to identity theft or fraudulent activities. I am requesting a thorough investigation into each of these disputed items as required by FCRA 607 ( b ), which mandates that consumer reporting agencies maintain the highest level of accuracy. Furthermore, I request that any unverifiable or unauthorized information be promptly removed in accordance with FCRA 605B and 609 ( a ), and that I be provided with verification documentation as stipulated by FCRA 609 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX XXXX accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not XXXX XXXX correct and i demand them to be investigated completely.

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 2025-12-19 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I received multiple calls and a text from this number. Claiming to be XXXX XXXX about a cash app account withdrawal. 

Text read : XXXX XXXX : Did You Attempt {$2500.00} With CASHAPP? Reply YES if authorized, reply NO if not authorized. XXXX XXXX XXXX XXXX XXXX reply STOP Sent from : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MI

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. 


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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Upon careful review, these inquiries are : 1. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries. 
2. Reported in violation of FCRA 604 ( a ) ( 3 ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law.

3. Incomplete reporting under Metro 2 standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a Metro 2 field compliance error, which mandates correction or deletion.

As you are aware, EOSCARs automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. 
I demand the immediate removal of these inquiries within 30 days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. 
This is your final notice. The use of automated response systems ( e.g., EOSCAR ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. 
Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with fair credit report ACT ( FCRA ) the list accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account name : XXXX XXXX XXXX  # XXXX has violated my rights, and according to the fair credit report act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 U.S.C. 1681i ( A ) ( 5 ), TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 U.S.C. 1681s-2 they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Under 15 U.S.C. 1681 B ( A ) ( 1 ) A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Bank of America ( XXXX XXXX, XXXX XXXX ) Dear CFPB, I am writing to formally file a complaint against Bank of America regarding the unauthorized removal of funds from a Co-account. 
On XX/XX/XXXX, my grandmothers Social Security card and expired ID card were stolen from her home. These documents were then used to complete the process of liquidating the funds from a co-owned account by me XXXX XXXX, and my 92 yr old grandmother XXXX XXXX. 
Previously, on XX/XX/XXXX, my grandmothers had XXXX XXXX removed from her accounts at the XXXX XXXX branch after discovering that XXXX had been transferring money to her own account without authorization. At that time, my grandmother made me the co-owner of her accounts and designated my cousin, XXXX XXXX as the POD. 
I went to the branch where the account was opened to discuss the matter, and they helped start a fraud claim and a hardship claim to at least try to recover the money taken under false pretenses. As of yet on this day of XX/XX/XXXX, I have only received 1 call asking for more details. I was told I would here back within 1 week. I did speak with the bank XXXX XXXX XXXX to ask why they did not follow bank protocol and call me or my grandmother before allowing XXXX XXXX access to her entire life savings/social security money, and the only continued response was that, XXXX XXXX XXXX XXXX power of attorney and they verified the document and then released the funds in the form of a cashiers check. He said if I had an issue with the way they handled the situation, then, I should get a lawyer. I did ask for him to at least stop the check while a full investigation was performed and he refused. I had to take my grandmother post hospital discharge to her branch so that she could sign the revocation of POA of both her savings and checking accounts. Her 2 CDs were also liquidated. The total amount is XXXX and change. 
This situation has caused a huge financial burden on me and my mother who are now in charge of caring for my elderly grandmother. I have had to make trips to XXXX XXXX to care for my grandmother and see that her medical needs are met. I have lost time from work and Money for an attorney to get a guardianship through the courts to keep my grandmothers ' assets safe from XXXX XXXX. I have to have money for the MD appointments, nursing care, medication, and DME supplies have to be purchased for her care using my personal funds and not my grandmothers money she was using for just this reason.

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 2025-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Spring Oaks Capital.

Spring Oaks Capital is reporting two separate collection accounts on my consumer credit reports with balances of {$2200.00} and {$1300.00}, both listed as open collection accounts and both listing Spring Oaks Capital as the original creditor. 

These accounts appear to be duplicative, incomplete, and misleading. The reporting lacks required information, including account type, itemization of the alleged debt, and proof that the balances are accurate and not being reported more than once. The Type field is missing or blank, and no documentation has been provided to substantiate the debts. 

I have disputed these accounts with the credit reporting agencies. Despite my disputes, the accounts continue to be reported without evidence that a reasonable investigation was conducted, as required by federal law.

Spring Oaks Capital has failed to provide : A signed consumer agreement Proof of lawful authority to collect and report Itemized statements explaining how the balances were calculated Evidence that the debts are not duplicated or re-aged This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681s-2 ( b ) Failure of a furnisher to properly investigate a dispute Reporting multiple collection accounts for the same or related obligation, without proper verification, is misleading and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
The account was completely paid, however the report still inaccurately shows late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: OH

Complaint narrative:
On XX/XX/2022 I placed a call to management during your transition from XXXX and XXXX, I did not want another account reported on my report for the same item. 
This was an unauthorized action from XXXX at the time, Management approved my request, confirming the new account reported to be closed accordingly, hence no impact on the report, as NEVER LATE will be properly reported I tried with Experian to resolve the issue, but EXPERIAN keeps denying with no tangible evidence. I want this fully investigated and corrected

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