vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX with a balance of {$24000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I disputed multiple late payments and charged-off statuses that I believe are inaccurate and unverifiable. Instead of a fair investigation, new negative marks were added after my dispute. Im requesting that the CFPB investigate and ensure compliance with : XXXX XXXX Code XXXX Reinvestigation of Disputed Information XXXX XXXX Code XXXX Permissible Purpose for Credit Inquiries XXXX XXXX Code XXXX Block of information resulting from identity theft XXXX XXXX Code XXXX & XXXX Billing error protections and time limits for resolution XXXX XXXX Code XXXX Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
Starting XX/XX/2025 at XXXX XXXX, United Wholesale Mortgage and their affiliated companies have called me approximately XXXX times. Today, XX/XX/2025 at approximately XXXX XXXX, this company has called me almost XXXX times. Equaling out to every XXXX minutes. Numerous times I have requested they stop calling me and take my off their call list. When I requested removal from the call list at XXXX and XXXX specifically, the man on the other end of the line said he did not have to. I have blocked their phone numbers, but they keep calling from new numbers. I have registered my phone number on the federal do not call list and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 non-monetary relief
Consumer complaint received 2025-07-30 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: GA

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 XXXX 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 2025-07-30 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 filing this complaint against EQUIFAX INFORMATION SERVICES LLC for its failure to properly investigate and verify inaccurate information related to a XXXX XXXX  account that is being reported on my credit file. The account in question is listed as follows : XXXX XXXX  ( Account Ending XXXX ), Status : Charge Off, Date Opened : XX/XX/year>2021, Balance : {$5700.00}. I have formally disputed the accuracy of the charge-off status and the reported balance with EQUIFAX, yet they have not provided any documentation or validation to substantiate the continued reporting of this negative information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), EQUIFAX is legally required to conduct a reasonable reinvestigation of any disputed information and provide the consumer with documentation verifying the accuracy of the data within 30 days. EQUIFAXs failure to meet this obligation constitutes a clear violation of the FCRA, as the account continues to appear on my report without any verified or validated proof of its accuracy. This neglect to comply with federal law is causing ongoing harm to my creditworthiness and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
Dear XXXX XXXX, I am contacting you regarding a hard inquiry that your company, XXXX XXXX XXXX, placed on my credit report without my knowledge or consent. The inquiry appears as follows : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Reporting : Equifax I did not apply for credit with your company, nor did I authorize any credit check or application that would result in a hard inquiry. Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made with the consumers explicit permission. 

Therefore, I respectfully request that your office remove this unauthorized inquiry from my credit reports and notify the credit bureau ( s ) involved. I also request written confirmation that this action has been taken. 

For your reference, I have enclosed the following : A copy of the credit report showing the disputed inquiry A copy of my government-issued ID Proof of current address Please treat this matter with urgency. Unfounded hard inquiries can negatively impact credit scores and violate my rights under federal law. 

Sincerely, 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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake refuses to update the account as a positive account because its 100 % paid off or even deleted of my credit report and is reporting it as a negative item on credit report it also it says its written off in the amount of XXXX but says I have 100 % paid off this auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXXXXXX Date : XXXX/XXXX/2025

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 2025-07-30 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Monday and Tuesday I was able to access my account no problems. Now Wednesday I go to sign in on the app it says no account exists. I call them and they telling me I need to provide my driver license number to access my account. I have banked with them for over 3 years and not once was I ever asked for that information to verify my account. So why is it being asked now. Representative XXXX tried to hang up multiple times without answering the question and then tried to say I dont want try any other method to verify. I provide all the correct information and she tells me she is unable to verify my account. I have been unemployed since XXXX so just because they have failed to update the information or verify my employment Im unable to access my account. I ask to be transferred to a manager in which she sees I have verified the correct information and the information and yes to be updated but still unable to help or provide information. I ask her to file a complaint and she transferred me to customer services who did not help me as well. So I still have yet to be helped or told why my account is locked or showing not existing

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I was scammed into sending {$300.00} via XXXX from my SoFi account after seeing what I believed was a legitimate XXXX post from a friend. The post stated that their uncle was moving into a XXXX XXXX and selling items, including a XXXX for {$300.00}. I contacted my friend through XXXX XXXX, and the person confirmed the item was available and directed me to send {$300.00} via XXXX. 

After I sent the money, they claimed that there was an issue on their end and that the payment had been refunded to me. I then received XXXX fake refund confirmation messages XXXX from a random phone number and another from a XXXX address, both posing as XXXX. The messages were clearly spoofed and not from any legitimate financial institution. I realized at that point that this was a scam and sent a message via XXXX stating so at which point I was immediately blocked. 

I contacted SoFi right away to report the scam and dispute the transaction, but they denied my claim, stating that because I initiated the payment, it was considered " authorized. '' However, I was clearly deceived and manipulated by someone impersonating a trusted friend, under false pretenses. I believe this scenario should be evaluated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as the deception negated my ability to knowingly and voluntarily authorize the transaction. 

XXXX transactions offer no consumer protections, even though they are heavily promoted by banks like SoFi for person-to-person payments. Scams like this one are becoming increasingly common and sophisticated, and banks have a responsibility to implement better fraud prevention and customer protection policies. I am requesting that the CFPB review this case and SoFis handling of XXXX fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-30 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 inaccurate records being reported on my credit file.

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 2025-07-30 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

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 2025-07-30 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: FL

Complaint narrative:
am writing in response to the companys reply dated XX/XX/year>, concerning the alleged debt related to an XXXX XXXX account originally issued by XXXX XXXX While Spring Oaks Capital has marked the case as Closed with non-monetary relief and updated the account for no further communication, I continue to dispute the accuracy and validity of the debt and their reporting for the following reasons : 1. Insufficient Documentation of Debt The company claims they have verified the account and provided documents, but what has been submitted does not constitute full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). A summary of charges and a screenshot of application data is not sufficient. I requested, and still require : A copy of the original signed agreement or contract showing the terms I agreed to, A complete, itemized breakdown of how the alleged balance of {$650.00} was calculated, And clear proof that Spring Oaks Capital is legally authorized to collect this specific debt.

2. Unclear Assignment and Chain of Title While the company included a generic assignment agreement, the documents reference a bulk portfolio purchase. Nowhere is my name, account number, or details specifically identified in the attached Schedule A. There is no direct evidence linking this account to the specific tranche or portfolio cited. Without an individualized chain of assignment, I can not confirm their legal ownership of this debt. 



3. Ongoing Dispute This account was disputed directly and through credit bureaus. My requests for full validation have not been honored. The companys statement that their reporting is accurate does not satisfy the legal requirement of resolving a consumers dispute with verifiable supporting evidence.

4. Request for Deletion Until full validation is provided, I respectfully request that this account be : Removed from all credit reporting agencies, and That no further collection efforts be made.

Conclusion I ask the Consumer Financial Protection Bureau to reopen and escalate this complaint. Spring Oaks Capital has not met their burden to provide the documentation required under federal law. I am asserting my right under the FDCPA and FCRA to demand full validation or removal. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief