vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am the victim of identity theft. I submitted full dispute packages to Equifax, Experian, and TransUnion including : Government-issued photo ID Social Security card Proof of address ( XXXX XXXX XXXX bill ) Signed Identity Theft Declaration Full list of XXXX fraudulent accounts with dates, balances, and actions requested These documents were submitted in accordance with the Fair Credit Reporting Act ( FCRA ) specifically 605B ( identity theft blocking ), 611 ( reinvestigation ), and 609 ( verification of information ). Despite this, the bureaus have failed to block or delete the fraudulent accounts within the required XXXX business days, and have not provided timely reinvestigation responses. 

Violations Committed : 605B Failure to block fraudulent accounts within XXXX business days 611 Failure to complete reinvestigation within XXXX  days 604 Failure to remove inquiries with no permissible purpose 609 Failure to verify accounts with proper documentation 611 ( a ) ( 5 ) ( B ) Failure to prevent reinsertion without full notice Full List of Fraudulent Accounts : XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Delete due to identity theft XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$340.00} Remove late payment ( XX/XX/XXXX ) XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$750.00} Delete due to identity theft XXXX  XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$260.00} Delete due to identity theft XXXX  XXXX  Acct # XXXX Opened : XX/XX/XXXX Balance : {$6400.00} Delete due to identity theft XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$300.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$160.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$160.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$510.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$8900.00} Delete due to identity theft XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1000.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1600.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Delete due to identity theft XXXX XXXX XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$41.00} Delete due to identity theft XXXX XXXX Acct # XXXX Opened : XX/XX/XXXX Balance : {$2100.00} Delete due to identity theft

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 2025-10-08 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company has bought debt from another party and assume the debt belongs to me while furnishing it on my credit and soliciting my mail box with unsubscribed bills I have never associated with this company never had a contract with them to pay any debt this has harmed my credit approval and. Opportunities for cash flow directly affecting my life I am Facing economic hard ship and these fraudulent furnishing has been the direct cause

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : XXXX XX/XX/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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-08 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:
transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
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 XXXX 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 XXXX 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.

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 2025-10-08 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:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my lawful request for a full reinvestigation of every item in my report, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and calls into question the integrity, accuracy, and reliability of my consumer report.

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 2025-10-08 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: TX

Complaint narrative:
I am disputing the inaccurate addresses currently listed on my TransUnion consumer report. Specifically, the addresses XXXX XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX have been reported without my authorization and without any permissible purpose, violating the Fair Credit Reporting Act ( FCRA ). These incorrect addresses need to be deleted from my credit file. Furthermore, TransUnion has reported an incorrect employer, XXXX  XXXX, while my current employer is XXXXXXXX XXXX Under 15 USC 1681e ( b ), TransUnion is required to maintain the maximum possible accuracy of all information in my credit file. Reporting unauthorized or inaccurate personal information violates my consumer rights and may subject TransUnion to statutory damages of up to {$1000.00} per violation. Please note that the FTC website is currently unavailable, which is preventing me from creating an FTC Identity Theft Report at this time. Therefore, I demand that TransUnion immediately remove these unauthorized addresses from my credit report, update my employer information accurately, and provide written confirmation along with an updated credit report within the XXXX investigation period.

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 2025-10-08 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: NY

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Dispute Statement ( XXXX XXXX XXXX Citibank Promotional Financing Misrepresentation ) In XX/XX/XXXX, I applied for a Home Depot credit card in-store during a XXXX Friday promotion that was clearly advertised as 24 months no interest on qualifying appliance purchases. The Home Depot representative confirmed this promotion verbally before processing my credit application. I was approved for the credit card through Citibank and completed the appliance purchase under the belief that I had received the XXXX no-interest financing offer. 

The appliances were delivered in XX/XX/XXXX, and I immediately began making automatic monthly payments to ensure the balance would be paid off before the promotional period ended. 

In XX/XX/XXXX, while reviewing my account to confirm the payoff schedule, I discovered that interest had been charged on my balance. After reviewing the account details, I learned that my purchase was placed under a XXXX and a XXXX promotion, not the XXXX offer I was told I was approved for. 

At no point during the application or purchase process was I informed that I did not receive the XXXX no-interest promotion. I only learned of this discrepancy nearly XXXX years later when I noticed the interest charges. 

I contacted both XXXX XXXX and Citibank on XX/XX/XXXX and XX/XX/XXXX, and spoke with multiple representatives. Each confirmed that the issue could not be corrected because it was past the XXXX window. However, they also acknowledged that I should have received the XXXX promotion and could have had it corrected if I had known earlier. I was never notified or given any indication that I had been enrolled in a different promotion.

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 2025-10-08 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-08 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXX mortgage account ( Account Number : XXXX * * * * ) appearing on my credit report ( XXXX XXXX : XXXX, dated XX/XX/XXXX ). This account is reported with a Pay Status of " Account Included in Bankruptcy, '' last payment made XX/XX/XXXX, high balance {$650000.00}, and remarks " CHAPTER XXXX BANKRUPTCY. '' The payment history includes multiple " X '' ( unknown ) ratings from XXXX, indicating incomplete reporting. I assert that this information is inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically : The reported " Account Included in Bankruptcy '' status and associated remarks are inaccurate or unverifiable, as they do not reflect the current status of payments or the alleged bankruptcy proceedings. Under FCRA 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ( a ) ( 1 ) ), adverse information must be excluded if outdated ( over 7 years ), and reporting must be complete and accurate per 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

The payment history with numerous " X '' ratings is incomplete and misleading, failing to provide verifiable details, violating FCRA 602 ( 15 U.S.C. 1681 ( a ) ( 1 ) ) which requires fairness and accuracy in reporting.

This information can not be verified with original documentation from the furnisher or the court, as required under FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I have obtained a letter from the U.S. Bankruptcy Court, Northern District of California, stating that the court does not report or furnish information to consumer credit reporting agencies and is not responsible for verifying or validating credit report information ( attached for reference ). This renders the bankruptcy-related notations unverifiable.

Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), you are required to conduct a reasonable reinvestigation within 30 days, including forwarding this dispute to the furnisher ( Newrez-Shellpoint ) for verification under 611 ( a ) ( 2 ). If the information can not be verified as 100 % accurate and complete, or if it is found to be outdated or incomplete, you must promptly delete it from my credit file under 611 ( a ) ( 5 ) ( A ) and notify me of the results, including providing an updated credit report at no charge.

Failure to comply may constitute a willful violation of the FCRA, entitling me to statutory damages up to {$1000.00} per violation under 616 ( 15 U.S.C. 1681n ), actual damages, punitive damages, and attorney 's fees. I demand permanent deletion of this item if unverifiable.

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 2025-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hello I have called over 9 times this week both to aidvantage and student aid govt. to get an accurate count of how many use payment i have towards forgiveness. Also if the XXXX time adjustment has been made. Each company tells me they can't give me the information to call the other one and this keeps going on back and fourth. Student aid doesn't even have my correct loan provider after I consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am filing this to complaint to EQUIFAX please conduct another investigation to the following information and send me the notification that the disputed items has been updated.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am just serious about the quality and clarity with your recent examination together with the late payments needed for this specific account and the way it is reporting on my credit report. I applied for an investigation because of the fact I noticed the item is simply not being stated recently I were never been late last XX/XX/XXXX, and XX/XX/XXXX. Placed under Section 1681 ( g ) make sure you grant me along with a brief description of the procedure used to confirm the account is " legitimate '' and post me the name and addresses of persons got in contact with in every regulations in the FCRA OR ELSE DELETE THIS ACCOUNT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$8400.00} I am just serious about the quality and clarity with your recent examination together with the late payments needed for this specific account and the way it is reporting on my credit report. I applied for an investigation because of the fact I noticed the item is simply not being stated recently I were never been late last XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Placed under Section 1681 ( g ) make sure you XXXX me along with a brief description of the procedure used to confirm the account is " legitimate '' and post me the name and addresses of persons got in contact with in every regulations in the FCRA OR ELSE DELETE THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nI am in receipt of your letter regarding the alleged Credit One Bank account listed above. I dispute this debt in its entirety and request full validation under the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\n\nPlease provide the following:\n\t1.\tA complete copy of the original signed credit agreement.\n\t2.\tAn itemized statement showing how the alleged balance oXXXX XXXX was calculated.\n\t3.\tDocumentation proving that Portfolio Recovery Associates, LLC has the legal right to collect this debt (including the bill of sale and assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  complete payment history and charge-off statement from the original creditor'

Company response to consumer: Closed with non-monetary relief