vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing to formally request that you permanently block and remove the following fraudulent accounts from my credit report in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft, and I did not open or authorize them. Both of these companies are reporting the same debt, with different account numbers and different open dates but both are reporting same balance. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Bank Date Opened : XX/XX/year> Account Number : XXXX As required by law, I have enclosed the following documentation to support my request : A copy of my government-issued ID A copy of a recent utility bill verifying my current address A copy of the FTC Identity Theft Report A written statement affirming that I did not open or authorize these accounts Pursuant to 15 U.S.C. 1681c2 ( a ), you are required to block the reporting of the above items within four ( 4 ) business days upon receipt of this request and documentation. These items must not be included in any future consumer reports provided by your agency. 

Should there be any issues or questions regarding this request, I expect to be notified promptly in writing. 

Thank you for your prompt attention to this matter. I trust that you will act in full compliance with the law to protect my consumer rights.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRING OAKS CAPITAL LLC regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRING OAKS CAPITAL LLC but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I have been contacted and other correspondence have been sent to addresses that are not mine nor that I am associated with an attempt to collect a debt that was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX CA XXXX & XXXX XXXX XXXX XXXX, CAXXXX

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX Balance : {$5600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements
under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XXXX/2025 I received an email from SoFi bank that my account was restricted and to call the number listed. I proceeded to call the number and they told me that my account was being closed, but they couldnt tell me why. They told me they have to wait for my pending transactions to go through and then they will send me a check with my remaining balance in my account which is {$890.00}. I never had any kind of warning or notice from them in the past. This came out of no where and now Im blindsided and unable to access my money. They told me all my accounts are frozen and there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cashapp would not allow me to send or receive money for XXXX  days. This resulted in me being late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 1.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/year> 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00} Date Opened: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 2025-05-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed an inaccurate and unauthorized account reporting to my credit report. These remarks have been detrimental to my life and credit health. The specific account I am speaking of is ( Americollect ) in the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

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 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Subject : Request for Debt Validation Under the Fair Debt Collection Practices Act To Whom It May Concern I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collector 's letter ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to provide specific information about the debt in question.

Please be advised that I dis
pute the validity of this debt and seek the following information : 1. * * The amount of the debt * * : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges that have been added.

2. * * The original creditor 's name * * : Identify the original creditor and provide documentation that shows I am responsible for this debt.

3. * * Proof of assignment * * : If you are not the original creditor, please provide documentation that demonstrates you have the legal right to collect this debt, including the original account agreement or a bill of sale.

4. * * Payment history * * : Provide a complete account of all transactions, payments, and any adjustments made to the account, including dates of late payments.

5. * * Verification of the debt * * : I request a copy of the original contract or agreement that supports your claim. 

In accordance with the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request will compel me to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ) and take appropriate legal action to protect my rights.

Additionally, please be aware that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any negative information regarding this alleged debt must be accurate and substantiated. If you are unable to validate the debt, I expect you to cease reporting this debt to credit bureaus and to inform them of its invalid status.

I demand that all future correspondence regarding this matter be conducted in writing. Please send your response to the address listed at the top of this letter. I appreciate your immediate attention to this matter and look forward to your prompt reply within 30 days, as stipulated by federal law. 

Thank you for your cooperation. 

Sincerely,

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
In XXXX, I opened a Coinbase account and purchased over XXXX BTC. I verified my identity, received confirmation of vault setup ( XXXX ), and maintained access for years without issue. 

In XXXX, after struggling with login access, Coinbase instructed me to create a temporary profile to help them restore the original account. I complied with all requests, including ID upload and XXXX setup. In XXXX, I was granted access againbut my account appeared brand new. All transaction history, vault data, and crypto funds were gone. 

I submitted emails, receipts, and screenshots confirming ownership, purchases, and activity. Coinbase responded with a generic message saying they no longer accept direct emails and refused to investigate. I also requested full logs and transaction history dating back to XXXX and received nothing. 

This is custodial mismanagement of crypto assets. I am requesting a formal investigation and that Coinbase be held accountable for the loss of my funds and their refusal to provide audit data or history.

Company response to consumer: Closed with explanation