vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I previously disputed a debt account being reported by Spring Oaks Capital to TransUnion. Experian and Equifax both deleted the account after failing to verify it. However, TransUnion continues to report it with a balance of {$2000.00}, despite a lack of proper validation. This raises concerns under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i, as the reporting may be inaccurate or unverifiable.

Spring Oaks Capital responded to my previous CFPB complaint, claiming they sent a debt validation letter and provided internal records, a bill of sale, and a transaction summary. However, they failed to include key validation documents such as a signed agreement, complete itemization of the debt, or a detailed accounting to prove the amount is accurate and owed by me. The documentation provided does not meet the standard of proper verification under 15 U.S.C. 1692g.

Because the other credit bureaus removed this account, TransUnion 's continued reporting creates an inconsistency that may be misleading or inaccurate. I am requesting that the CFPB ask TransUnion to delete the account or provide clear documentation of how they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : ( OPEN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-06-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am formally disputing inaccurate, inconsistent, and potentially unlawful reporting of a Target/TD account across all three major credit reporting agencies. After reviewing my reports, I identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

The account is reported with a balance of {$1300.00} and marked as charged off. However, the credit limit is shown as {$1000.00} on two reports and {$0.00} on another, and the high balance is incorrectly reported as {$0.00} by XXXX, while XXXX and XXXX  show {$1300.00}. Additionally, the last payment date differs, reported as XX/XX/year> by XXXX  and XXXX, but XX/XX/year> by XXXX. Further, XXXX  reports OK ( on-time ) payments through XX/XX/year>, while the other bureaus report a charge-off starting in XXXX XXXXwhich is a factual impossibility. 

These inconsistencies violate FCRA 1681e ( b ), which requires the reporting agencies to ensure the maximum possible accuracy of information. The failure to correct these inaccuracies after dispute may also violate FCRA 1681i, regarding reinvestigation duties. If this account is under collection or has been sold, I have not received debt validation as required by FDCPA 1692g, and any collection activity after written dispute would violate FDCPA 1692c.

I previously disputed this account and requested an investigation, but no corrections have been made. I am requesting a full reinvestigation of this account and a deletion or correction of any and all inaccurate, incomplete, or unverifiable information in accordance with U.S. credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
The accounts in question were created without my knowledge or permission. These are fraudulent and must be deleted. Under 15 U.S. Code 1681g, I request their removal within 15 days. I have included supporting documents to validate my claim.

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 2025-06-17 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: DC

Complaint narrative:
There is a fraudulent credit card account ending in XXXX from XXXX XXXX on my credit report. I filed Identity Theft Report with FTC. See the attached. I called Equifax but the customer service refused to fix a problem. They said Equifax corporate office refused the removal of a fraudulent account from my report. The agent told me that Equifax refused to delete fraudulent account because Im from XXXX. This is harassment and discrimination. Shame on your company, Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing inaccurate credit reporting regarding a Comenity Bank/XXXX XXXX account listed on my credit report. 

This account was charged off and sold or transferred, but still shows as " Collection/Chargeoff '' with all three credit bureaus. 

The balance is {$0.00}, yet it remains listed as a derogatory account. 

The " last reported '' dates differ, and Equifax shows a 2025 report date, which is inaccurate for a charged-off account sold long ago.

The account history is clean ( all " OK '' ), and there were no late payments reported for over a year, making the charge-off label misleading. 

The high credit and credit limit are incorrectly reported on Equifax as {$600.00} and {$0.00} respectively, despite original limits being {$250.00}. 

This is in violation of the FCRA, which requires accuracy and consistency across all credit reporting agencies. The continued reporting is damaging and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Nelnet, Inc.
State: FL

Complaint narrative:
As a loan servicer, Nelnet is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, Nelnet refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt. In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all student loans from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ). i am disputing this item because it is unauthorized and by law permission is needed to put things on my credit report it is illegal to report information on my credit report without my permission thank you please remove from my credit report now as per FCRA section 605B please remove I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mc + 281 SW 715,719, I presume that no proof of the allegea debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on [ Filing Date ], and the case was discharged on [ Discharge Date ] in the Georgia bankruptcy court under case number [ XXXX ]. XXXX XXXX  XXXX was properly listed as a creditor in my bankruptcy petition and received notice of the filing and subsequent discharge. 

Despite the discharge, XXXX XXXX XXXX has continued to [ select all that apply : send collection notices/ demand payment / report the XXXX balance to credit bureaus/ threaten disconnection unless the old balance is paid ]. These actions violate the permanent injunction set forth under * * 11 U.S.C. 524 * *, which prohibits creditors from collecting on XXXX debts.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
XXXX closed my account against my wishes, they didn't confirm which of my accounts to close. They closed my accounts on XX/XX/year>. 

They also didn't honor their direct deposit bonus. I had XXXX direct deposits from my employer that met their publicly advertised rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX the date this account was opened is incorrect the payment history of the account is incorrect because I always pay on timeThis is why it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CO

Complaint narrative:
SELF FINANCIAL XXXXXXXX XXXX the date this account was opened is incorrect the payment history of the account is incorrect because I always pay on timeThis is why it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
Case # XXXX The company never completed identity verification, and it was closed right away due to ID issues. The account review inquiries show Discover made a request for my credit report without my request or my consent, on XXXX XXXX XXXXXX/XX/XXXX 12 days after the account was closed, and one on XX/XX/XXXX, when the account was reopened. On XX/XX/XXXX I made a dispute due to the matter on all of my credit reports on XX/XX/XXXX on my XXXX credit report, Discover reported an open account, credit usage, and new balance. The account was closed on XX/XX/XXXX the statement date XX/XX/XXXX, Last Balance {$11000.00}, Date of last activity was XX/XX/XXXX. I made several attempts for Discover to verify my identity, one on XX/XX/XXXX and XX/XX/XXXX. Due to fraud, I would like the account deleted from all my credit reports.Delete the account. Intel verification is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX. 



Discover is now refusing to reopen the case, claiming I need a " refund receipt '' from the merchant something no scammer would ever provide. This is an unreasonable and impossible request and allows fraudulent merchants to get away with theft simply by stonewalling. 

I am requesting : That Discover reopen the dispute and review the full set of evidence. 

That the CFPB investigate whether Discover is violating regulations by denying valid fraud cases based solely on the absence of a refund receipt. 

That consumers not be denied protection due to impossible requirements in documented fraud situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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:
Please remove the information from the following account number, XXXX, off my credit report. The attached 1099A documents the settlement of this obligation. The Federal Trade Commission ( FTC ) has proof of payment from this account in the attachment below. If this information is not removed from my credit record, I will take further action with the FTC. This error should be fixed as soon as feasible.

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 2025-06-17 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 presence of unauthorized accounts on my credit report is unacceptable. I had no involvement in their creation and demand their prompt deletion under 15 U.S. Code 1681g. Please remove these entries within 15 days. I have enclosed the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-17 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:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account 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 2025-06-17 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: IL

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with explanation