vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau Complaint Department, I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ) and Equifax for severe and repeated violations of the Fair Credit Reporting Act ( FCRA ). I demand the immediate and permanent DELETION of the disputed account from my credit file. 
XXXX. The Disputed Account Details Creditor Reporting : XXXX XXXX  XXXX Account Number ( Last XXXX digits ) XXXX XXXX XXXXXXXX Reported Balance : {$9900.00} XXXX. The Grounds for Deletion My dispute is based on the failure of both the furnisher ( XXXX XXXX and the CRA ( Equifax ) to accurately report and reasonably investigate the account, causing me ongoing financial harm : Inaccurate Reporting ( XXXX Violation ) : The debt for Account # XXXX XXXXXXXX was SOLD by XXXX XXXX  XXXX. I have provided written documentation from XXXX confirming this sale. Despite the sale, XXXX continues to report an active {$9900.00} balance owed to them, which is factually inaccurate. Under the FCRA, a furnisher can not maintain a balance when a debt has been sold. This constitutes a willful violation of accuracy requirements. 
Insufficient Investigation ( Equifax Violation ) : I submitted a dispute to Equifax on this exact issue ( Confirmation # XXXX ) and attached the definitive proof of the debt sale. Equifax failed to perform a reasonable reinvestigation by accepting XXXX  certification that the balance was correct and ignoring my documentary evidence. This negligence perpetuates the misreporting on my credit file. 
Repeated Errors : This is not my first attempt to correct inaccuracies on my report. Given the repeated failure of Equifax to take corrective action on prior disputes, and the willful misreporting by XXXX, mere correction is not sufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
b'I am writing to formally request that you block and remove specific inaccurate inquiries appearing in my credit file, as permitted under Section 605B of the Fair Credit Reporting Act (FCRA). This section provides consumers the right to have fraudulent or incorrect information blocked from their credit reports when it results from identity theft or other forms of erroneous reportingXXXX 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 2025-10-14 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-14 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Identity Theft Dispute and Request for Blocking of Fraudulent Accounts 15 U.S.C. 1681c-2 Dear XXXX  Dispute Department , I am writing to formally dispute and request the blocking of fraudulent information appearing on my XXXX  credit file under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 

The following accounts were opened or reported without my authorization and must be blocked within four ( 4 ) business days of receiving this notice : XXXX XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate entry ) Enclosed are copies of my drivers license, Social Security card, proof of address, and an Identity Theft Report filed with the proper authorities. 

Under 15 U.S.C. 1681c-2 ( a ) ( 1 ), you are required to block the reporting of this information and notify each furnisher that the data may not be reinserted unless proven accurate and verifiable. Please send written confirmation once the accounts have been removed or blocked. 

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
b'I am writing to formally request that you block and remove specific inaccurate inquiries appearing in my credit file, as permitted under Section 605B of the Fair Credit Reporting Act (FCRA). This section provides consumers the right to have fraudulent or incorrect information blocked from their credit reports when it results from identity theft or other forms of erroneous reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-10-14 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: PA

Complaint narrative:
I am filing this complaint because a hard inquiry appeared on my credit report that I did not authorize. I have never given permission or applied for credit with the company that made this inquiry. This appears to be the result of identity theft or misuse of my personal information. I contacted the company and credit bureaus to dispute the inquiry, but it has not been removed. This unauthorized inquiry has negatively affected my credit score and caused unnecessary concern and inconvenience. I am requesting that this inquiry be investigated and deleted from my credit report immediately.

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 2025-10-14 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: GA

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 non-monetary relief
Consumer complaint received 2025-10-14 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
Equifax has AGAIN illegally reinserted multiple fraudulent XXXXXXXX XXXX accounts into my credit file after previously deleting them and confirming closure of my CFPB complaint with non-monetary relief on XX/XX/year> ( CFPB case # XXXX ). 

On XX/XX/year>, I obtained a new Equifax credit report showing that the same deleted XXXX accounts have been reinserted without any notice as required under FCRA 611 ( a ) ( 5 ) ( B ). I have received no reinsertion notice within five business days and did not authorize or initiate any new disputes.

This is now the third reinsertion cycle for the same fraudulent tradelines, following months of prior disputes, a completed identity-theft investigation, and my Notice of Intent to XXXX delivered to Equifax on XX/XX/year>. 

Equifaxs conduct constitutes willful and negligent violations of the Fair Credit Reporting Act, including but not limited to : 611 ( a ) ( 5 ) ( B ) ( i ) Reinsertion without valid furnisher certification 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify consumer of reinsertion within 5 days 611 ( a ) ( 1 ) ( A ) Failure to maintain reasonable reinvestigation procedures 616 Willful non-compliance ( statutory + punitive damages ) Supporting documentation is attached : In addition, there is an active and ongoing investigation by the Florida Attorney Generals Consumer Protection Division concerning Equifaxs handling of my prior disputes and NOITS correspondence. Their office has already received documentation of prior reinsertions and non-compliance. The reinsertion on XX/XX/year>, just days after Equifax represented to the CFPB that all fraudulent accounts were deleted, further supports the pattern of misconduct under review. 

I request that the CFPB coordinate with the Florida Attorney Generals office regarding this matter to ensure proper enforcement and consumer relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am writing to formally contest the presence of a fraudulent account on my credit reports, linked to identity theft, and to demand immediate action in accordance with my rights as a consumer. 

Several years ago, I experienced a traumatic incident when my wallet and luggage were lost, containing my driver 's license, Social Security card, and several credit cards. Despite extensive efforts to recover these items, I was unable to do so. Recently, I discovered multiple fraudulent accounts on my credit report that I did not open. I firmly believe this specific account resulted from the identity theft associated with the loss of my wallet and the subsequent compromise of my personal information. 

Additionally, I am a victim of the Equifax data breach, a breach that has further exacerbated the challenges I face as a consumer. It is unfair that my data has been breached and that I am now struggling with the ramifications of this identity theft. It feels unjust to have these negative accounts hanging over my head, impeding my ability to move forward with my financial life. 

I have filed a police report regarding this matter, and I have attached a copy for your review. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to have these fraudulent accounts investigated and removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending regarding several accounts that appear inaccurately on my credit report. After carefully reviewing my file, I found that some of my closed accounts are still being reported as late or new late closed even though they show a XXXX balance and no current obligation. These listings are incorrect and damaging to my credit reputation, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: WA

Complaint narrative:
I submitted a dispute and requested proof that I signed an agreement for payment of debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate, unauthorized, and disputed items appearing on my credit reports. Despite my repeated attempts to correct these errors, the inaccuracies continue to negatively impact my creditworthiness, causing financial harm, stress, and potential denial of credit. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ), which require credit reporting agencies and furnishers to ensure accuracy, conduct reasonable investigations, and promptly correct or delete inaccurate information. I request the CFPB intervene and direct all involved parties to complete thorough reinvestigations and permanently remove unverifiable, unauthorized, or inaccurately reported information. 

Account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1300.00} Chargeoff XXXX XXXX Law/Issue : Inaccurate Charge-Off Reporting FCRA Sections 607 ( b ), 609, and 611 require accurate, verifiable reporting. I dispute the validity of this charge-off because the balance, account status, or both are misreported.

Story : This account information is inaccurate. The reported charge-off does not reflect my actual account history, payments, or agreements. Previous disputes have not corrected this error. I am requesting full verification and correction under the FCRA, as its continued reporting is harming my credit profile. 

All actions described above are in violation of the FCRA and have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full compliance with the law. Documentation supporting these disputes will be provided upon request. 
I assert that if these errors are not corrected promptly, further legal action will be considered to protect my rights under FCRA Sections 611 and 623. The CFPBs oversight is crucial to ensure compliance with federal law and to restore the accuracy of my credit profile.

Company response to consumer: Closed with non-monetary relief