vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report also to remove this charge off. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2025-09-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the credit reporting agencies ( XXXX and XXXX XXXX but it was denied. I supposed I did not put enough detail, or the report may have been overlooked. I filed another dispute with the credit reporting agencies on XX/XX/XXXX describing with greater detail. XXXX shows that the account status for XX/XX/XXXX is 120 days late, XX/XX/XXXX is 120 days late and XX/XX/XXXX is Charged Off. This does not match up with XXXX report showing XX/XX/XXXX is 150 days late, XX/XX/XXXX is 180 days late and XX/XX/XXXX has no report. The account is Charged Off and has been charged off with the balance of {$8000.00}, therefore the balance should show {$0.00}, but it says there is a balance of {$8000.00} still reporting. I requested a copy of the 1099-C for the Charged off Account. This account should be closed because of the above information. The letters I attached were sent on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Identity Theft Request for Investigation and Enforcement Dear Sir or Madam, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding numerous fraudulent accounts and charges that appear on my credit reports as a result of identity theft. Despite notifying the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the furnishers directly, these fraudulent debts remain unresolved. 
The following creditors have reported inaccurate information : XXXX XXXX XXXX  {$120000.00} ( XX/XX/XXXX ) XXXX  {$680.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$490.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1100.00} ( XX/XX/XXXX ) and {$1200.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$2400.00} ( XX/XX/XXXX ) XXXX  XXXX  {$140.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$16000.00} ( XX/XX/XXXX ) XXXX  XXXX XXXX  {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$1100.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$140.00} ( XX/XX/XXXX ) XXXX {$2000.00} ( XX/XX/XXXX ) XXXX  XXXX {$3000.00} ( XX/XX/XXXX ) XXXX  {$68000.00} ( XX/XX/XXXX ) XXXX XXXX  {$490.00} ( XX/XX/XXXX ) XXXX  XXXX  {$1100.00} XXXX XX/XX/XXXX ) XXXX XXXX XXXXXXXX {$230.00} ( XX/XX/XXXX ) I have disputed these fraudulent accounts with Equifax, Experian, and TransUnion in writing, and I enclosed identity theft reports, proof of identity, and my credit reports with the disputed items highlighted. However, the furnishers and bureaus have failed to properly investigate and remove the fraudulent debts as required by the Fair Credit Reporting Act ( FCRA ), including Section 605B. 
I respectfully request that the CFPB investigate this matter and take enforcement action to ensure : The fraudulent accounts are permanently removed from my credit reports. 
The furnishers cease all collection efforts and reporting of these fraudulent debts. 
My consumer rights under the FCRA and related laws are upheld. 
Enclosures : Identity Theft Report Proof of Identity ( Drivers License ) Credit Reports with disputed items marked Copies of my dispute letters to Equifax, Experian, and TransUnion CFPB Notice to Furnishers of 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 2025-09-05 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Identity Theft Request for Investigation and Enforcement Dear Sir or Madam, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding numerous fraudulent accounts and charges that appear on my credit reports as a result of identity theft. Despite notifying the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the furnishers directly, these fraudulent debts remain unresolved. 
The following creditors have reported inaccurate information : XXXX XXXX XXXX  {$120000.00} ( XX/XX/XXXX ) XXXX  {$680.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$490.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1100.00} ( XX/XX/XXXX ) and {$1200.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$2400.00} ( XX/XX/XXXX ) XXXX  XXXX  {$140.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$16000.00} ( XX/XX/XXXX ) XXXX  XXXX XXXX  {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$1100.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$140.00} ( XX/XX/XXXX ) XXXX {$2000.00} ( XX/XX/XXXX ) XXXX  XXXX {$3000.00} ( XX/XX/XXXX ) XXXX  {$68000.00} ( XX/XX/XXXX ) XXXX XXXX  {$490.00} ( XX/XX/XXXX ) XXXX  XXXX  {$1100.00} XXXX XX/XX/XXXX ) XXXX XXXX XXXXXXXX {$230.00} ( XX/XX/XXXX ) I have disputed these fraudulent accounts with Equifax, Experian, and TransUnion in writing, and I enclosed identity theft reports, proof of identity, and my credit reports with the disputed items highlighted. However, the furnishers and bureaus have failed to properly investigate and remove the fraudulent debts as required by the Fair Credit Reporting Act ( FCRA ), including Section 605B. 
I respectfully request that the CFPB investigate this matter and take enforcement action to ensure : The fraudulent accounts are permanently removed from my credit reports. 
The furnishers cease all collection efforts and reporting of these fraudulent debts. 
My consumer rights under the FCRA and related laws are upheld. 
Enclosures : Identity Theft Report Proof of Identity ( Drivers License ) Credit Reports with disputed items marked Copies of my dispute letters to Equifax, Experian, and TransUnion CFPB Notice to Furnishers of 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 2025-09-05 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Ncb Management Service Account Number : XXXX Amount : {$3600.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.

2. The records or documents you used to verify the alleged account.

3. The exact method you used to conclude that this information is accurate.

A generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. 

You are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. 

This is not a request. This is a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
So I finally received my check in the mail from Ally Bank and I want to try to Cash it and they couldnt verify the check. They tried so many times to get in contact with Ally Bank to verify the check and the representative kept hanging up and passing us to different departments. I said at the check cashing place for three hours waiting for them just verify the check. Thats why I wanted direct deposit because I knew this was gon na happen and Im still getting a hard time trying to cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Re : Account Number XXXX Dear Spring Oak Capital LLC, I am writing to dispute the debt associated with the above-mentioned account and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Illinois law . Under Illinois law, a debt collector must provide sufficient evidence to prove the validity of the debt ( XXXX XXXX XXXX ). As seen in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), debt collectors must adhere to strict standards when collecting debts. 

Specifically, I request : 1. Documentation proving the existence of a valid contract or agreement between myself and the original creditor. 
2. A detailed breakdown of the amount due, including any fees or charges applied to the account. 3. Proof of ownership of the debt, demonstrating that Spring Oak Capital LLC has the authority to collect the debt. Furthermore, I request that you immediately cease and desist all collection activities, including phone calls, letters, and credit reporting, until you provide the requested documentation and validation of the debt. Failure to comply with this request may be considered a violation of the FDCPA and Illinois law
.

Thank you for your attention to this matter, and look forward to your prompt response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
PERMISSIBLE PURPOSE... WHERE IS THE FATAL FLAW? Anyone who has sued a debt collector for an impermissible pull knows the collectors claim of permissible purpose always includes their claim that 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) clearly defines their right to the credit pull and provides them with permissible purpose. But does it? The truth always lies in the clear intent of Congress when writing and enacting the statute expressed by the clear language therein. So what is the language of that section in the FCRA?

FCRA 604 - [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ). In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ). To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or It doesn't take a rocket scientist to clearly see that 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) pertains to the " Credit Reporting Agency '' and not to the collector or furnisher of information. The language quite clearly outlines the responsibility of the CRA to determine that they are furnishing a credit report to an entity or individual who the CRA has " reason to believe '' has a legitimate purpose. This is established by one of the smallest and seemingly insignificant words in the English language. The word IT in number ( XXXX ) indicates reference to the entity identified in ( a ), the consumer reporting agency and only to that entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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