vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
Michigan XXXX : Reported as closed on XX/XX/XXXX, with a balance of {$15000.00}. 

XXXX XXXX : Reported as closed on XX/XX/XXXX, with a balance of {$17000.00}. 

XXXX XXXX XXXX : Reported as closed on XX/XX/XXXX, with a {$0.00} balance. 

These accounts were closed, but they remain on my credit report. Under the FCRA, specifically 15 U.S.C. 1681c ( e ), if a consumer reporting agency is notified that a credit account was voluntarily closed by the consumer, the agency must indicate that fact in any consumer report that includes information related to the account. 
XXXX XXXX XXXX If these accounts were voluntarily closed by me and this information is not accurately reflected on my credit report, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. The fair resolution would be for the credit reporting agencies to update my credit report to accurately reflect that these accounts were voluntarily closed by me. 

Additionally, if any of these accounts were reported inaccurately or remain on my credit report beyond the time limits set by the FCRA, I request that they be removed from my credit report to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
Michigan XXXX : Reported as closed on XX/XX/XXXX, with a balance of {$15000.00}. 

XXXX XXXX : Reported as closed on XX/XX/XXXX, with a balance of {$17000.00}. 

XXXX XXXX XXXX : Reported as closed on XX/XX/XXXX, with a {$0.00} balance. 

These accounts were closed, but they remain on my credit report. Under the FCRA, specifically 15 U.S.C. 1681c ( e ), if a consumer reporting agency is notified that a credit account was voluntarily closed by the consumer, the agency must indicate that fact in any consumer report that includes information related to the account. 
XXXX XXXX XXXX If these accounts were voluntarily closed by me and this information is not accurately reflected on my credit report, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. The fair resolution would be for the credit reporting agencies to update my credit report to accurately reflect that these accounts were voluntarily closed by me. 

Additionally, if any of these accounts were reported inaccurately or remain on my credit report beyond the time limits set by the FCRA, I request that they be removed from my credit report to ensure compliance with federal regulations.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I sent a written debt-validation request to Credence regarding the XXXXXXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ), asking for proof of ownership/assignment from the original creditor, an itemized breakdown, and documents showing my legal liability. No validation or documentation has been provided. 
Despite the request, the company has continued furnishing a derogatory collection to the credit bureaus. This violates FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) ( no continued collection/furnishing without validation ) and FCRA 623 ( a ) ( 1 ) ( A ) ( a furnisher must not report information it knows or has reason to believe is inaccurate/incomplete ). Under Metro-2 data-furnisher guidance, unverifiable data may not be furnished as factually accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy of the accounts and inquiry listed below on my Experian credit report. These items appear to be the result of a data breach and/or inaccurate reporting. They do not belong to me and should be removed immediately pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ). 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please reinvestigate these accounts and remove any late payment history or other inaccurate data that can not be verified. Once your reinvestigation is complete, please provide me with written confirmation of the outcome and any updates made to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Issue Summary : Consumer Portfolio Services ( CPS ) continues to obstruct and contradict themselves regarding my auto loan account ( XXXX XXXXXXXX ). After previously stating that I needed a court order to obtain my full accounting ledger, XXXX now claims the ledger does not exist and that a basic payment history fulfills their obligation. This is false and misleading. Under the Truth in Lending Act ( TILA ) and 12 CFR 1026.25, lenders are required to maintain and provide complete accounting records upon request. 

Detailed Description : Since XX/XX/year>, I have made multiple written and verbal requests for a full accounting ledger for my auto loan. CPS has consistently avoided providing the required documentation, instead sending only a partial payment history that omits critical accounting details such as interest allocations, principal reductions, and refund applications. 

CPSs representatives have made contradictory statements over the phone : One stated that a court order was required to obtain the ledger. 
Another later stated that the ledger does not exist. 
A third representative advised that the payment history is the same thing, which is inaccurate. 

These statements were made verbally and never confirmed in writing despite repeated requests. Both can not be true. If a ledger does not exist, CPS is in violation of federal recordkeeping laws. If it does exist, withholding it is a violation of my right to receive a complete accounting under TILA.

Additionally, CPS has continued to report inaccurate credit information. Specifically, the company reported my account as 30 days late for XX/XX/year>XXXX  while omitting that the account was under investigation and formally disputed. On XX/XX/year>, a CPS supervisor admitted on a recorded call that my account was 35 days delinquent covering both XXXX and XXXX combined meaning their credit reporting does not reflect accurate timing or account status. 

This misreporting has caused measurable harm to my credit, including a drop in score and a denial for new financing. CPSs behavior shows a pattern of noncompliance, contradictory communication, and refusal to correct errors.show ongoing non-compliance, not a repeat complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MD

Complaint narrative:
This is a supplemental complaint and rebuttal to CFPB XXXX XXXX. Spring Oaks Capital SPV , LLC is continuing to report and claim validation of a fraudulent XXXX XXXX  account despite lacking original, verifiable documentation. They have never investigated the validity nor verified the accuracy of this account. 

Spring Oaks Capital is not the original creditor. They simply purchased a pool of charged-off accounts from XXXX XXXX for pennies on the dollar and are now attempting to collect on unverifiable or fraudulent accounts to turn a profit. They have provided no signed contract, application, or account statements proving I ever opened or used this account. They only stated what they needed to for the CFPB to close the case. They are nothing but debt-buying opportunists to say the least. 

I previously disputed this account directly with XXXX XXXX submitted a police report and FTC Identity Theft Affidavit, and notified Spring Oaks that the account resulted from identity theft. Their response only included the assignment between companies, which does not validate the alleged debt under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) or Fair Credit Reporting Act ( FCRA 611 ). 

Reporting or attempting to collect on accounts acquired without verification especially where documented identity theft exists is a violation of both FDCPA and FCRA. I am requesting that the CFPB reopen or treat this as a follow-up investigation, compel the company to provide full validation directly from the original creditor, and order immediate removal of this fraudulent account from all credit reports. 

I am requesting that the CFPB reopen or treat this as a follow-up investigation, compel the company to provide full validation or remove the account entirely from all credit reports, and review their continued violations of FDCPA, FCRA, and identity theft protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: WA

Complaint narrative:
This company is reporting.Inaccurate on my credit profile harming my credit worthiness

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 2025-10-16 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 2025-10-16 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 am formally disputing the reinsertion of an account and certain credit inquiries appearing on my Equifax credit report, which may have resulted from the recent data breaches affecting consumer information. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), I am requesting an immediate reinvestigation and removal of the following items from my credit file as they are inaccurate and potentially the result of identity compromise.

Reinserted Account : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} This account had previously been removed and should not have been reinserted without proper certification as required under FCRA 1681i ( a ) ( 5 ) ( B ). Please provide documentation verifying the source and certification of this reinsertion. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: PA

Complaint narrative:
When I left XXXX XXXX my landlord would only allow me to pay the break-lease fee through a collection company and set me up with Rent Recovery Solutions . Payments began in early XXXX. I talked to a representative in XXXX of XXXX to set up auto pay and update my billing address. I received my first physical correspondence through a forwarded piece of mail to my XXXX address in late XX/XX/XXXX with the total amount of debt. Today, XX/XX/XXXX, I received my first and only phone call from Rent Recovery Solutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) stating that my payments had been declined since XXXX of XXXX. At no point did I receive physical mail, email, or phone call communications that my auto payments had been declined. Had I been notified I would have immediately rectified the situation. I have every bill on auto pay to avoid this exact situation. My debit card had been compromised in early XXXX and I received a new one. Since XXXX  % of autopay is through the routing number, this was the last thing to cross my mind. My credit score notified me that my credit report was negatively affected due to this the other day, and I had no idea what was affecting it until the call today. I talked to XXXX XXXX at Rent Recovery who told me there was nothing and no one I could contact on their end to address the credit reporting and that I'd have to, " figure it out on my own. '' She then transferred me to XXXX XXXX who told me it was my responsibility to have noticed the payments were coming out and then call them. When confirming my billing address, they still used my old XXXX XXXX address. When I asked how is it that no one contacted me after the first declined payment or those thereafter, she stated that, " when people leave the company, cases don't always get reassigned right away or they slip through the cracks and we just caught it. '' I questioned her as to why my credit score is being impacted for their negligence and she reiterated that this was my fault for not noticing sooner and it was my responsibility to call them. I called back the same day ( XX/XX/XXXX ) and made the full payment. I asked for a full payment history statement and XXXX XXXX said they don't send that out, just a letter of the total amount paid. She referred me to app.payready.com to access the payment history online, however, there was no way to login. I still had her on the phone and relayed this and the only options to login. She stated that I should have an account and to request the steps to reset a password. I did this and no email was received in the inbox or spam. We waited several minutes and she said to wait an hour and then call her back if it isn't there. Then she abruptly ended the call. Again, at no point since the first declined payment in XX/XX/XXXX have I received any form of communications from Rent Recovery Solutions.

Company response to consumer: Untimely response