vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against one or more consumer reporting agencies and data furnishers for their failure to correct inaccurate, incomplete, and unverifiable information on my credit report, despite my prior dispute efforts. This is my second round of complaint and I have not yet submitted a complaint to the Federal Trade Commission ( FTC ), although I may proceed if no resolution is reached.

Below is a breakdown of the disputed items still appearing on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MI Wrong Address ( duplicate entry ) Issue : Duplicate or variant address entries represent lazy data handling and result in damaging duplications in credit evaluation. 
Story : I am suffering severe reputation and lending damage due to what appears to be repeated address association with unknown parties. This must be deleted and investigated. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payment * * Issue : I never missed a payment on this account, and no late notice or communication was ever received. 
Law : Reporting inaccurate payment history violates FCRA 1681s-2 ( a ) and Section 623 of the FCRA.

Story : This false delinquency is reducing my credit score and impacting major life decisions, including loan approvals and employment. This entry must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Account shows a balance of {$0.00} yet reports a late payment logically contradictory and unverifiable. 
Law : You are legally required to report only verifiable and complete data ( FCRA 1681i ). 
Story : I was never informed of any delinquency. The reported late payment is hurting my score and unjustly defaming my financial trustworthiness. 
REQUEST FOR CFPB XXXX : I am requesting that the CFPB conduct a formal investigation into the failure of the credit reporting agencies and data furnishers to remove or correct the above inaccurate, unverifiable, and unauthorized information. My previous disputes were either ignored or insufficiently investigated, and my rights under FCRA have been violated repeatedly. I am requesting that : 1. All wrong addresses be deleted immediately 2. All late payments, charge-offs, and collections that are inaccurate or unverifiable be removed 3. All unauthorized or repeated hard inquiries be investigated and deleted if invalid 4. Credit reporting agencies be held accountable for failure to maintain accurate and fair credit reporting practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
This dispute is submitted directly by me. I have not authorized or hired any credit repair agency to represent me. I am a confirmed victim of the XXXX  XXXX data breach and am exercising my rights under the Fair Credit Reporting Act ( FCRA ).

1. Unauthorized Inquiries ( FCRA 604, 609 ) I did not authorize the following hard inquiries. These must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. Incorrect Personal Information ( FCRA 609 ( c ) ( 1 ), 611 ) My credit report contains outdated and inaccurate personal information. This must be corrected or removed immediately to reflect accurate and verifiable data.

3. Fraudulent / Unverifiable Accounts ( FCRA 611, 623, 605 ) The following accounts are not mine or result from identity theft. If Experian can not verify them with signed original contracts, they must be deleted : 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 2025-08-02 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$6900.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00}

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-02 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to or authorize the accounts listed. They are false and fraudulent. Please remove them in full compliance with USC 1681g within 15 days. Attached is the required proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I am writing to formally dispute XXXX inaccurate and damaging items on my credit report related to XXXX XXXX XXXX XXXX. I have been a victim of identity theft, and despite my repeated efforts to correct the false information on my credit file, the credit bureaus have continued to report these accounts inaccurately. 
XXXX. {$55000.00} Auto Loan Account Identity Theft ( Account Opened XX/XX/XXXX ) This account shows a high credit amount of {$65000.00} and a current charged-off balance of {$55000.00}. 
This account is fraudulent. I did not authorize or open this loan, nor did I ever possess or benefit from a vehicle associated with this debt. 
I have filed complaints with the FTC and Consumer Financial Protection Bureau ( CFPB ) and submitted an Identity Theft Affidavit, police report, and supporting documents to the credit bureaus in accordance with 15 U.S.C. 1681c-2. 
Despite these efforts, the item has not been removed and continues to reflect as a delinquent and charged-off balance across all three major credit reporting agencies. 
XXXX. {$16000.00} Auto Loan Account Incorrect Reporting ( Account Opened XX/XX/XXXX ) This account also appears on my credit report as charged off with a past due amount of {$3400.00}. 
This is a legitimate loan tied to a vehicle that I fully own and paid off. 
It is entirely inaccurate and unjustified for this account to be marked as charged off or delinquent. I have satisfied this loan in full and retained documentation proving full payment and ownership. 
This inaccurate reporting is damaging my credit and misrepresents my payment history and financial responsibility.

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 2025-08-02 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: IL

Complaint narrative:
I am writing to formally dispute XXXX inaccurate and damaging items on my credit report related to XXXX XXXX XXXX XXXX. I have been a victim of identity theft, and despite my repeated efforts to correct the false information on my credit file, the credit bureaus have continued to report these accounts inaccurately. 
XXXX. {$55000.00} Auto Loan Account Identity Theft ( Account Opened XX/XX/XXXX ) This account shows a high credit amount of {$65000.00} and a current charged-off balance of {$55000.00}. 
This account is fraudulent. I did not authorize or open this loan, nor did I ever possess or benefit from a vehicle associated with this debt. 
I have filed complaints with the FTC and Consumer Financial Protection Bureau ( CFPB ) and submitted an Identity Theft Affidavit, police report, and supporting documents to the credit bureaus in accordance with 15 U.S.C. 1681c-2. 
Despite these efforts, the item has not been removed and continues to reflect as a delinquent and charged-off balance across all three major credit reporting agencies. 
XXXX. {$16000.00} Auto Loan Account Incorrect Reporting ( Account Opened XX/XX/XXXX ) This account also appears on my credit report as charged off with a past due amount of {$3400.00}. 
This is a legitimate loan tied to a vehicle that I fully own and paid off. 
It is entirely inaccurate and unjustified for this account to be marked as charged off or delinquent. I have satisfied this loan in full and retained documentation proving full payment and ownership. 
This inaccurate reporting is damaging my credit and misrepresents my payment history and financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I am writing to formally dispute XXXX inaccurate and damaging items on my credit report related to XXXX XXXX XXXX XXXX. I have been a victim of identity theft, and despite my repeated efforts to correct the false information on my credit file, the credit bureaus have continued to report these accounts inaccurately. 
XXXX. {$55000.00} Auto Loan Account Identity Theft ( Account Opened XX/XX/XXXX ) This account shows a high credit amount of {$65000.00} and a current charged-off balance of {$55000.00}. 
This account is fraudulent. I did not authorize or open this loan, nor did I ever possess or benefit from a vehicle associated with this debt. 
I have filed complaints with the FTC and Consumer Financial Protection Bureau ( CFPB ) and submitted an Identity Theft Affidavit, police report, and supporting documents to the credit bureaus in accordance with 15 U.S.C. 1681c-2.

Despite these efforts, the item has not been removed and continues to reflect as a delinquent and charged-off balance across all three major credit reporting agencies. 
XXXX. {$16000.00} Auto Loan Account Incorrect Reporting ( Account Opened XX/XX/XXXX ) This account also appears on my credit report as charged off with a past due amount of {$3400.00}. 
This is a legitimate loan tied to a vehicle that I fully own and paid off. 
It is entirely inaccurate and unjustified for this account to be marked as charged off or delinquent. I have satisfied this loan in full and retained documentation proving full payment and ownership. 
This inaccurate reporting is damaging my credit and misrepresents my payment history and financial responsibility.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Spring Oaks Capital LLC is attempting to collect on an alleged debt originally from XXXX XXXX XXXX XXXX XXXX in the amount of {$690.00}. The account was allegedly opened on or around XX/XX/year>, and reflects a paid off balance, yet the account is still being reported and/or enforced without proper validation. 

I have formally requested that Spring Oaks Capital provide documentation verifying that they have legal standing to collect on this account. This includes : The method of validation of considerationproof under UCC 3-303 ( b ) that value was given for the alleged debt, A complete chain of title, including the forward flow agreement and any assignment or bill of sale from the original creditor ( XXXX XXXX XXXX XXXX XXXX ) to Spring Oaks Capital , A copy of IRS Form 1099-C, if the debt was charged off, OR a notarized affidavit from an officer of the company affirming that no charge-off or cancellation occurred, and A full GAAP-compliant accounting breakdown that details how the {$690.00} balance was calculated, including any interest, fees, or adjustments. 

To date, Spring Oaks Capital has failed to provide any of this required documentation. This is a violation of both federal law and consumer protection standards, as they are actively attempting to collect or report a debt without proving ownership or legal enforceability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with CITIBANK or any of the affiliates. I have confirmed and advised CITIBANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how CITIBANK approved a credit under my name, without doing any further review and confirmation. Given the fact that CITIBANK has the right to investigate and obtain all necessary information prior to approving any credits, CITIBANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, CITIBANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that CITIBANK must comply with prior to approving any credit card/lines to anyone. Pursuant to CITIBANK 's online advertisement, CITIBANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from CITIBANK stating that my information was used or attempted to be used in order to open an account. Thus, CITIBANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, CITIBANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for CITIBANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX, I deposited a {$220000.00XXXX XXXX XXXX XXXX  into XXXX Bank of America account. I had both checking and savings accounts linked under their system. 

Bank of America enrolled mewithout my XXXX  an account structure where anytime my checking balance dropped slightly, they would automatically pull from my savings account to cover the difference. Not only did I not authorize this, but they also charged me fees for that transfer, AND overdraft fees on top of it. 

This led to being charged double : once from checking and once from savings. I was being penalized while using my own money. I began seeing constant {$35.00} {$50.00} overdraft and protection fees, even while I still had XXXX  in my accounts. 

Eventually, the account became inaccessible, and I was told it no longer existeddespite having documentation. Years later, Bank of America began sending me small unexplained refunds labeled as prepaid returns or similar, while continuing to say they owe me nothing. 

Because of their actions : - I lost my apartment and vehicle - I couldnt finish fighting my custody case in court - My business failed before it could fully start I demand a forensic audit of my checking and savings accounts, a full report of all activity between XXXX and present, and compensation for the long-term damage and financial XXXX  I endured.I also have emails from Bank of America from that time period showing that they were manually applying credits ( such as {$120.00} ) to my account and enforcing overdraft protection rules without my permission. This shows internal acknowledgment of their own manipulation and supports my claim of unauthorized activity and mismanagement.

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