vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) 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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XX/XX/XXXX XX/XX/XXXX - Account Number : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES :XX/XX/XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX 
NATIONAL XXXX XXXX DEPTEDXXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. 
I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-06-16 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:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX 
NATIONAL XXXX XXXX DEPTEDXXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. 
I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Future Judgement Solutions
State: CA

Complaint narrative:
FJS Contacted me about an old XXXX XXXX account. I confirmed that XXXX XXXX sold this account to XXXX in XXXX. 

FJS claimed they were suing me for " Breach of Contract '' with XXXX XXXX. I requested proof of that contract and they didn't provide anything. 

The letter they sent said the account has been " Sold and Transferred '' to Future Judgement Solutions. They were not able to provide any connection back to the original account like a statement or letter of transfer. 

I settled this account in XXXX with XXXX XXXX XXXX and received a release of liability letter. 

FJS said they would not honor this letter because XXXX seems to no longer be in business. 

I asked FJS to provide proof of where they received account from. They said they would only provide that proof if I signed an NDA and made a commitment to resolve the account. 

They never sent the NDA.

The chain of Title Letter they I am in California. The letters that I received and their communication seem very similar to the subject of the case that FJS was fined for in the lawsuit below. 
Their communication with me was around the time this lawsuit was published. 
So, it seems like they continued the same suspect tactics that they were punished for https : XXXX This account was sold to XXXX XXXX XXXX in XXXX. 

XXXX XXXX XXXX was part of a large lawsuit in New York where the Attorney General shut down illegal debt collection schemes. 
https : XXXX I have been contacted by more than 8 different companies since XXXX trying to collect on this same XXXX XXXX account. 

It seems like XXXX XXXX or a similar company shared this account with a lot of other companies. 

There seems to be no end to the companies contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
I received an email saying that my account is being closed because of activity that goes against their terms of service. I called and made an appeal and was sent and email days later with the same response. I responded to 6 different representatives asking them all the same question, which is what exactly what activity are they referring to. They all gave me the same response, We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service I told the last representative in writing to reactivate my account because since no one could tell me exactly what activity they were referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Failed to process my fraud claim for a charge by Capital One for over {$2800.00}. I have provided the letters for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reporting unauthorized XXXX credit inquiries on my Equifax report that I did not initiate, authorize, or consent to. These inquiries were made without my knowledge and are not connected to any account or application I submitted. 

The companies involved are : XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl ( XX/XX/year> ). I have not applied for credit, loans, or financing with any of these institutions. I did not give them written or verbal authorization to access my credit. I suspect these inquiries XXXX be linked to identity theft or misuse of my personal data by an XXXX XXXX XXXX. I have already contacted Equifax to dispute these entries under the FCRA XXXX and demand their removal. These unauthorized inquiries are XXXX to my credit and reputation. I am requesting that this FTC Identity Theft Report be accepted as formal notice to all relevant agencies and companies that these inquiries are fraudulent. I will pursue all necessary remedies to protect my consumer rights.I am reporting unauthorized XXXX  credit inquiries on my Equifax report that I did not initiate, authorize, or consent to. 

These inquiries were made without my knowledge and are not connected to any account or application I submitted. The companies involved are : XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ), and XXXX XXXX XXXX XXXXXX/XX/year> ). I have not applied for credit, loans, or financing with any of these institutions. I did not give them written or verbal authorization to access my credit. I suspect these inquiries XXXX be linked to identity theft or misuse of my personal data by XXXX XXXX XXXX XXXX I have already contacted Equifax to dispute these entries under the FCRA XXXX and demand their removal. 

These unauthorized inquiries are damaging to my credit and reputation. I am requesting that this FTC Identity Theft Report be accepted as formal notice to all relevant agencies and companies that these inquiries are fraudulent. I will pursue all necessary remedies to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find multiple collection accounts from National Credit systems XXXX for what is purported to be utilities debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I am requesting a goodwill adjustment for the removal of 30- and 60-day late payments from XXXX on a closed and paid XXXX auto loan XXXX account ending in XXXX ). 

On XX/XX/XXXX, I contacted XXXX and spoke with two representatives. The first, XXXX in Customer Support, created Case ID XXXX. I was then transferred to a supervisor named XXXX in the Management department, who created Case ID XXXX. 

The call lasted from XXXX XXXX  to XXXX XXXX. I explained that I was not disputing the accuracy of the reporting, but requesting a one-time goodwill adjustment based on financial hardship I experienced at the time. The loan has been resolved, and Ive been working to rebuild my credit. 

The supervisor informed me that XXXX does not offer any form of courtesy waivers and that the late payments will stay on the account as reported. I am asking the CFPB to assist in reviewing this matter fairly and to encourage XXXX to consider flexibility for responsible customers requesting goodwill consideration on closed accounts.

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 2025-06-16 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: AZ

Complaint narrative:
This account by XXXX XXXX XXXX on my report was previously listed as a collection account. As of the XX/XX/XXXX update, it has been altered to show as an open loan with the following inaccurate data : 0 % interest rate $ 0 monthly payment Open status despite no ongoing relationship Re-aged open date of XX/XX/XXXX These terms are completely false. I have never agreed to or initiated any loan with XXXX XXXX XXXX. No documentation of original loan, agreement, or payment history has been provided. 

This change appears to be an attempt to avoid scrutiny under FDCPA and FCRA by misclassifying the account. The account remains unverified, inaccurately labeled, and is actively damaging my credit. 

I demand a full deletion of this account and investigation into XXXX XXXX XXXX and TransUnions reporting behavior for potential consumer rights violations.

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 2025-06-16 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: NY

Complaint narrative:
I am filing this complaint because Spring Oaks Capital is reporting a collection account on my credit report that is either inaccurate, unverifiable, or does not belong to me. 

I have no clear knowledge of this alleged debt or any documentation from Spring Oaks Capital establishing my legal obligation to this account. I have already disputed this account with the credit reporting agencies and requested full validation from Spring Oaks Capital. As of the date of this filing, they have not provided proper documentation validating the debt.

I have requested documentation including : the name of the original creditor, full account statements, contractual agreements, chain of title documentation proving legal ownership, and proof of my legal obligation to pay. They have failed to provide any of these materials. 

This reporting may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are reporting potentially inaccurate information without conducting a reasonable investigation or providing sufficient evidence of accuracy.

This tradeline is negatively affecting my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MI

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 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 2025-06-16 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I am submitting this complaint because onemain financial made multiple unauthorized hard inquiry 's on my credit report without my knowledge or permission. I did not apply for credit, nor did I authorize this company to access my credit information. This inquiry is negatively impacting my credit score and was done without a permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). I am requesting that this inquiry be removed from my credit report immediately and that the company be held accountable for this unauthorized action. the dates the inquiries were made are XX/XX/2024 and XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation