vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
My wife and I were victims of fraud in XXXX XX/XX/XXXX. On the day the incident occurred, your representatives informed us that they were aware of similar unauthorized activity affecting other members but had not yet determined how the accounts were being accessed. My wife believed the individual involved was a USAA representative, as they appeared to navigate our account and move funds in a manner consistent with internal staff actions rather than a typical customer.

After two months of effort and significant personal sacrifice to recover from this situation, we received notice today stating that USAA has determined the charge in question was not fraudulent, and that {$9500.00} will be debited from our account tomorrow XX/XX/XXXX. I asked why and was told because my wife helped do the transfer that it isnt fraud! They already noted the fraud and now its not? This action would cause severe financial hardship for my family, especially as we approach the holidays.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I never have an account with XXXX XXXX  before and they sent me to collections for a {$970.00} that I dont even aware of I want that to be removed because of that false collection my XXXX XXXX has dropped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. 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 XXXX. 
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 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 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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
When we purchased our property in XXXX of XXXX, XXXX XXXX  was our mortgage company. They brought it to our attention that there was an unpaid property tax on our property that the previous owners never paid. I notified the county and the issue was no longer ours to deal with. 

In XX/XX/XXXX, XXXX XXXX  sold our loan to XXXX XXXX XXXX. They had sent us a couple letters about our delinquency on this property tax. In which I called them to clarify that it was the same issue from previous. I emailed them on XX/XX/XXXX after receiving another letter, informing them to not pay this on our behalf as it was not ours and the title company was in the process of paying it. On XX/XX/XXXX, I spoke with them on the phone to reiterate not to pay it, where they noted it on our account. They informed me to submit a letter online for documentation, which I did same day. 

On XX/XX/XXXX, they opened an escrow account for our property and paid the tax bill despite all these steps and without authorization. Leading us to now have to have the title company cancel their check, and significantly messing up our refinance. As it shows we owe them money for a bill they paid on our behalf, that was not even our bill in the first place. We have talked with multiple people on the phone who have admitted to seeing the note in our account that says not to pay the bill and they paid it anyway. 

They have offered no resolutions to trouble shoot this problem with our refinance despite their major error. Leaving us to have to pay the property tax bill online ( even though they already sent in a check ), wait for them to get reimbursed through the county, to then reimburse us, in order to close on our refinance.

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 2025-10-21 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-21 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Multiple accounts are appearing on my credit report under my name that I never opened, authorized, or managed. I have no knowledge of these accounts and did not consent to them being reported under my identity. Their presence is inaccurate, misleading, and damaging to my credit history, and it has caused me significant concern and disruption.

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 2025-10-21 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
b'Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit\nreport under Section 605B of the Fair Credit Reporting Act.\nThe specific information I am disputing is as followsXXXX 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 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 2025-10-21 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: CA

Complaint narrative:
I am formally disputing the accuracy and completeness of the above account appearing on my Experian credit file. The entry violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon notice of dispute, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 7 ) : Upon request, you must provide a written description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher you contacted.

Basis of Dispute The balance and account status are inconsistent with other bureau data.

No verifiable documentation has been provided proving ownership or authorization of this account.

Dates of activity and last reporting differ across records.

The information lacks sufficient identifying details and is therefore incomplete and unverifiable.

As required under 1681i ( a ) ( 5 ) ( A ), please delete this item from my Experian file if you can not verify its accuracy and completeness.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: DriveTime
State: CA

Complaint narrative:
Pretty much there was a mutual misunderstanding when we worked the deal out where I brought up the XXXX loan I had with my truck I traded in were I was under the assumption that it would be taken care of but do to the misunderstanding created confusion on both ends I already offered to pay the lien hold on the truck I traded in I already offered to pay it off within a time frame of three months they responded back with no worries that they would reach back out to me after the three months but continue getting text messages that I need to return the truck to drive time dealership and the supervisor accusing me of fraud because he said that I got that loan on the truck I traded in after the deal was done which is not the case that XXXX account was open 11 months prior to me trading my old truck for the one I have now I keep getting harrased by the supervisor XXXX that I need to take back my truck but by me doing that Ill be messing up my credit Im up to date on the payments with the finance company I have proof of the emails that I communicated with them also have the text they been sending me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXX inaccurate and conflicting account information across TransUnion, XXXX XXXX XXXX 
The account is showing different balances, past due amounts, and payment statuses on each credit bureau. Its also listed as Open while simultaneously being marked 90120 days late, which is contradictory and misleading.

Example discrepancies : TransUnion and XXXX  both report a balance of {$450.00} and Late 90 Days, while XXXX  reports a balance of {$510.00} and Late 120 Days. 

The High Credit field is reported as {$730.00} on TransUnion and XXXX XXXX XXXX XXXX XXXX 

Dates of last activity and last payment also do not match across reports. 

I contacted XXXX and requested validation of the balance, payment history, and account status. The company failed to provide documentation or proof verifying the accuracy of the information being furnished.

Because of the conflicting, unverifiable, and inaccurate reporting, this account violates FCRA Sections 602 ( A ), 607 ( B ), 623 ( A ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( A ), which require all data to be accurate, consistent, and verifiable. 

I am requesting that the CFPB require the deletion of this account from all credit reports due to unverifiable and inconsistent reporting that is causing ongoing damage to my credit profile.

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 2025-10-21 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: GA

Complaint narrative:
am filing this complaint because a debt appearing on my credit report is inaccurate and unverified. I have requested that the debt collector and/or creditor provide proper validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), but they have failed to do so.

The company has not provided sufficient evidence that : They own or have the legal right to collect this debt ; The amount is accurate ; The debt is associated with a valid, signed agreement ; and/or The debt has not already been paid, settled, or discharged. 


Despite this, the account continues to be reported to the credit bureaus, negatively impacting my credit profile. This is a violation of the FCRAs accuracy and verification requirements.

I am requesting that the CFPB investigate this matter and require the company to : 1. Provide full verification and documentation of the debt ; or 2. Remove the unverified debt from my credit reports and cease all collection activities. 



Please ensure this complaint is shared with the company and that they are required to respond in writing with evidence supporting their claim or remove the debt immediately. 

Thank you for your assistance in resolving this matter in compliance with federal consumer protection laws. 

I also have attached snapshot of inquiries that I either didn't not apply for credit or did not receive anything for the inquiry. 
I would like them removed from my report. 

The debts to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
am filing this complaint because a debt appearing on my credit report is inaccurate and unverified. I have requested that the debt collector and/or creditor provide proper validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), but they have failed to do so.

The company has not provided sufficient evidence that : They own or have the legal right to collect this debt ; The amount is accurate ; The debt is associated with a valid, signed agreement ; and/or The debt has not already been paid, settled, or discharged. 


Despite this, the account continues to be reported to the credit bureaus, negatively impacting my credit profile. This is a violation of the FCRAs accuracy and verification requirements.

I am requesting that the CFPB investigate this matter and require the company to : 1. Provide full verification and documentation of the debt ; or 2. Remove the unverified debt from my credit reports and cease all collection activities. 



Please ensure this complaint is shared with the company and that they are required to respond in writing with evidence supporting their claim or remove the debt immediately. 

Thank you for your assistance in resolving this matter in compliance with federal consumer protection laws. 

I also have attached snapshot of inquiries that I either didn't not apply for credit or did not receive anything for the inquiry. 
I would like them removed from my report. 

The debts to be removed are as follows : 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 explanation
Consumer complaint received 2025-10-21 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:
Accounts are appearing on my credit report in my name without my authorization or knowledge. I did not open, authorize, or manage these accounts. This inaccurate information is misleading and has caused me significant concern.

Company response to consumer: Closed with non-monetary relief