vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has placed hard inquiries on my credit file that I did not initiate or authorize. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

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 2025-09-24 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: TX

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional XXXX  and want to be able to use my credit. Please see the attached letter for specific details. 

List account names and numbers XXXX. XXXX XXXX  - XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Garnishment ID : XXXX Case Number : XXXX Claimant ID : XXXX To Whom It May Concern, I am writing to formally request that the Employment Development Department ( EDD ) withdraw the current Earnings Withholding Order under the above-referenced case and further, that the remaining balance be fully forgiven and the account closed. 

I have already paid over {$25000.00} to EDDan amount vastly disproportionate to the alleged original overpayment of approximately {$1100.00}. These excessive collections have placed a crushing financial burden on me and my family. I am the sole provider for a household of XXXX, including a seriously ill grandchild battling a XXXX XXXX XXXX. Every dollar withheld threatens our ability to meet basic necessities like food, shelter, and medical care. 

This debt stems from actions initiated by my former employer, XXXX XXXX XXXX and XXXX, who I believe acted with false intent and malicious motives in reporting the claim that led to this garnishment. The result has been years of stress and hardship for a family that is simply trying to survive. 

I am filing this complaint pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding unlawful actions by [ Name of Agency/Company ] .

Background I recently received notices from multiple credit reporting agencies and/or debt collectors concerning an alleged obligation in the amount of {$11000.00}, which is purportedly tied to [ unemployment benefits / alleged account ]. I dispute the accuracy, legality, and enforceability of this debt and allege that the manner in which it has been reported and collected constitutes consumer harm. 

Violations 1. Inaccurate Reporting to Credit Bureaus o The alleged debt is the result of employer fraud and/or administrative error, not consumer misconduct.

o Reporting this disputed and unverified debt violates FCRA 1681e ( b ) ( requirement for maximum possible accuracy ).

2. Failure to Provide Proper Validation o I timely disputed this account. Under FDCPA 1692g ( b ), collection activity must cease until proper validation is provided. To date, no lawful validation has been produced.

3. Unfair and Deceptive Practices o Continuing to demand payment without substantiation is an unfair practice under 12 U.S.C. 5531.

o Attempting to collect a debt caused by a third partys fraudulent activity shifts liability unfairly to the consumer.

4. Financial Hardship o I am the primary provider for my household. Demanding repayment of {$11000.00} imposes undue hardship and contradicts both federal and state guidelines on overpayment waivers where the consumer is without fault.

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 2025-09-24 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:
I am submitting this complaint because my Equifax credit report is showing inaccurate and unauthorized information which is causing me harm and violating my rights under the Fair Credit Reporting Act. My file reflects an inquiry from XXXX XXXX dated XX/XX/year> which I never applied for, never consented to, and never authorized in any way. I did not initiate any credit application with this company and I did not provide any written or verbal authorization for my credit file to be accessed. This inquiry is completely unauthorized and has no permissible purpose under the law, yet Equifax has allowed it to appear on my credit report. 

The presence of this unauthorized inquiry is damaging my credit standing and exposing me to further risk. Despite my efforts to dispute this with Equifax, the inquiry remains on my file without proper investigation or correction. Equifax is required under the Fair Credit Reporting Act to ensure maximum possible accuracy of the information it reports, to prevent unauthorized access to consumer credit files, and to promptly remove unverifiable or unauthorized items. Allowing this inquiry to stay on my report demonstrates a failure to comply with those obligations. 

I am asking the Consumer Financial Protection Bureau to hold Equifax accountable for reporting an inquiry that has no lawful basis, for failing to safeguard my consumer rights, and for not properly reinvestigating and correcting this error. I am requesting immediate action to have the XXXX XXXX inquiry dated XX/XX/year> permanently deleted from my credit file and for Equifax to provide me with a corrected copy of my report that no longer contains this unauthorized and harmful entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Frequent calls very early in the morning or late at night, as well as throughout the day. Abusive and threatening language and comments, argumentative, loud. 
Refusal to send verification of debt. 
Refusal to abide by cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They have not provided any tangent proof that these collections are legitimate

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Issues & Violations in Their Response Assignment Document Only The company only provided a generic assignment agreement between Spring Oaks Capital , LLC and Spring Oaks Capital SPV , LLC dated XX/XX/year>XXXX  CFPB XXXX. 

This is a transfer of portfolios, not proof you owe the debt. 

It fails to show your name, account number, signed contract, or original creditor agreement. 

Lack of Validation Under FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ), a debt collector must provide verification of the debt upon request.

The response did not include a copy of any original account agreement, billing statements, or chain of title linking the debt to you. 

False or Misleading Representation By submitting only a portfolio assignment, Spring Oaks is suggesting it proves ownership of your account.

This misrepresents the character and legal status of the debt ( violation of FDCPA 807 ( 2 ) ( A ) ).

Incomplete Documentation No Schedule A with your account details was attached to the assignment in the provided response. 

FCRA 1681s-2 requires furnishers to report accurate and complete information. Without specific account-level proof, this reporting is unverifiable.

Continued Reporting Without Validation If Spring Oaks continues to report this account to credit bureaus without producing proper validation, they are in violation of FCRA 1681i ( failure to reinvestigate ) and FDCPA 807 ( 8 ) ( reporting disputed debt as undisputed ).

Violations Identified FDCPA Violations : 807 ( 2 ) ( A ) Misrepresentation of character/status of debt.

807 ( 8 ) Reporting disputed debt as undisputed.

809 ( b ) Failure to provide proper validation.

FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information.

1681i Failure to properly reinvestigate when disputed.

At least 5 violations total = {$5000.00} in statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve these inaccuracies ; otherwise, you must delete them from my credit report. 

XXXX  PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This constitutes a violation of the Fair Credit Reporting Act, Section XXXX ( c ), and a serious breach of my privacy rights. 

Please validate this information with the companies and provide me with copies of any documentation associated with these inquiries that bears my signature authorizing them. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

The FCRA states that the only purposes for pulling a credit report are : A firm offer of XXXX XXXX XXXX order Employment I am unaware of the inquiries listed below. Since I never authorized them, I demand that your agency remove them from my credit report. 

XXXX PART OF THIS LETTER : INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent accounts. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must remove the account ( XXXX ) listed. 

I demand that the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX IMPORTANT NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. 

I am also aware that no statute in the FCRA requires that I provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XX/XX/year> fraudulent charges occurred on my digital XXXX  wallet. I don't know this XXXX have happend but it did. XXXX wallet isn't safe. The charges was from as little as XXXX dollars to XXXX. multiple transactions in XXXX day. I have filed a fruad with the bank of america but they arent returning my money. I have decided to make it official by filing a police report. These charges do not belong to me, as I don't play online games or digital games. I need help with geting my funds bank from the bank as they are saying that it was authorized by me. I have no idea about these charges the amount of charges XX/XX/XXXX XXXX {$30.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX XXXX {$15.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX {$15.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX {$20.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX  {$100.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX  {$100.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX  {$100.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX  {$100.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$30.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$10.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$20.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$20.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$20.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$20.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$10.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$20.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED XXXX WITH BANK XX/XX/XXXX XXXX XXXX XXXX {$20.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED FRAUD WITH BANK XX/XX/XXXX XXXX XXXX {$50.00} FILED FRAUD WITH BANK

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
My money has taken over 8 days to drop into my account. After being verified I am still unable to see my money pending or receive a time and date it will drop. This is after numerous calls and messages sent. Ive spoke with four people over this and all have given different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was traveling in XXXX, XXXX, with my two children and my husband. I check my bank account every day, and checked on XX/XX/year> only to see that the day before ( XX/XX/year> ) I had a charge for {$2100.00} to a vendor called : " XXXX * XXXX XXXX. '' My credit card is through Chase and is a Chase Sapphire XXXX, which has benefits for travel including no foreign transaction fees. 

I had never heard of this vendor and did not make this charge, so I called my bank immediately to report the fraud. I still had my credit card in my wallet that morning, so I had no idea how the charge could have been made. I ultimately reported the fraud and was issued a new card, but months later, they said they investigated and determined that it was not fraud. I have now been fighting with them for over a month, trying to find evidence to disprove that I made the charge. Apparently they say my physical card was used- if that is the case, it wasn't me who used it. I figured out that " XXXX XXXX '' is a " XXXX XXXX '' restaurant in XXXX, but in an entirely different part of XXXX than we visited on our trip. I obtained an itemized bill from my hotel showing that the day we supposedly ate at " XXXX XXXX, '' we actually had dinner at our hotel. I also provided a map showing the distance between that hotel, where we ate dinner, and the restaurant we supposedly made the charge to at XXXX pm that same night. None of this mattered to Chase, they said that because my physical card was used, it had to be me unless I could prove that my card was stolen. They are now suggesting that I obtain surveillance footage of my hotel room from the hotel to show someone taking my card and putting it back. This is so much work for me, when I am the one who has been defrauded. I asked if I could at least dispute the charge amount -- even if I supposedly went to this restaurant ( which I didn't ), there is no way that I spent over {$2000.00} on dinner with just myself, my husband and our two kids. But Chase told me to do that I would have to be able to prove how much I actually spent, and of course I do not have any kind of receipt because I didn't go there. Chase told me they reached out to the " SUM UP '' point of sale vendor to get that receipt and they don't have it and have no contact info for the actual restaurant either. So no one will help me. 

I have used Chase loyally for decades but will now cancel my accounts and move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bepensa Capital, Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally dispute the reporting of entries associated with accounts I did not establish. Please conduct a thorough review and remove them. Supporting documentation is enclosed.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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