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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$640.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
XX/XX/year> I recieved an email from spring oaks capital SPV at XXXX central time. I went online and checked the website and put in my info to talk to someone about it. I reached out through text to a customer service representative named XXXX XXXX she asked me again for my information I said you should have it since you contacted me I told them who I was and where the loan was from supposedly. And I told them the amount wasnt correct. Then I sent this. Re : Validation Request for Alleged debt. 

I am writing in response to your email dated XX/XX/year> regarding an alleged debt you claim I owe. I am requesting that you provide full and complete validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept any responsibility for this debt until proper validation has been provided.

Please provide the following information 1. The amount of the debt : A detailed breakdown of the full amount allegedly owed, including any interest, fees, or other charges.

2. The name of the original creditor : A clear statement of who the original creditor is and how you arrived at the current amount. 
XXXX. Proof of your legal right to collect the debt : This includes copies of any agreements, contracts, or signed documents showing I agreed to pay the debt in question, as well as proof that you are authorized to collect on this debt.

4. Verification of your authority : Documentation showing that you are legally entitled to act on behalf of the original creditor to collect this debt.

In accordance with the FDCPA, I request that you cease any collection efforts until you have provided the requested information. Furthermore, I request that you do not report this debt to any credit reporting agencies until it is properly validated. 
Please note that this letter is a formal dispute of the debt and a request for validation. I would appreciate a response in writing within 30 days of your receipt of this letter. 
If you are unable to provide the requested validation, I request that you stop all collection efforts and remove any negative credit reporting associated with this alleged debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Afterwards she wrote back asking me my d.o.b then I recieved more text from the company from a different line at XXXX central time. Telling me they now owned the debt and gave me a number to call etc. 
After I had sent the cease and desist until I received the proper paperwork and response.

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

Complaint narrative:
There are inquiries on my credit report that I do not recognize and did not authorize. I never applied for credit with these companies, nor did I give them permission to access my credit file. This is a clear violation of my rights as a consumer and adds unnecessary stress to an already challenging situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information contained in my credit file maintained by Equifax and Experian. I am disputing a charge-off reported by XXXX XXXX, which does not appear on my credit report issued by XXXX. The inconsistency between the credit bureaus raises serious concerns about the accuracy, completeness, and reliability of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On or around XX/XX/year>, I noticed that America First Credit Union had reported a {$4500.00} credit card balance to the credit bureaus. This is inaccurate and damaging. 
I am a responsible cardholder and pay off my credit card balance immediately after each transaction. Specifically, every time I make a purchase, I immediately transfer funds from my checking account to pay off the balance through the America First mobile app. I do not carry a balance, and I never allow the card to go unpaid.

Despite this, America First reported a {$4500.00} balance, which is false and misleading. As a result of this inaccurate report, my credit score dropped over XXXX points, which has significant consequences for my financial standing. 



This appears to be a clear case of false reporting, and I am requesting that America

First immediately correct the error and update all credit bureaus with the accurate {$0.00} balance. I am also requesting that the credit bureaus update and correct my credit score once the correction is made.

I have documentation of payments made and would be happy to provide transaction history from the app to prove that I do not carry a balance. This false reporting has caused undue harm to my credit profile.

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

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
I recently reviewed my consumer report and noticed some unauthorized charges and accounts on my credit file. I did not authorized nor did I give any agency permission to furnish any such items on my credit file. This is a violation of my privacy per the FCRA and a violation of my rights as a consumer which constitutes identity theft and I am requesting that these unauthorized charges and accounts be removed from my credit file immediately. Also enclosed is an affidavit that is being sent to the CFPB along with this letter. Please update my credit report to reflect that these fraudulent charges and accounts have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this dispute on my own behalf. I am writing to formally dispute certain information appearing on my Experian credit report that is inaccurate, outdated, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing : Charge-off accounts that have been fully paid and settled, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, a collection account that was previously removed after a successful dispute is now improperly reappearing : XXXX XXXX XXXX. Despite these settlements, they are still being reported as derogatory, unpaid, or delinquent. This is inaccurate and misleading and violates the FCRA, which mandates that credit information be complete and up to date. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. FCRA 611 [ 15 U.S.C. 1681i ], consumers have the right to dispute inaccurate or incomplete information, and CRAs must conduct a reasonable reinvestigation. Since these charge-offs have been satisfied, they should no longer reflect as unpaid or negative. I am requesting immediate correction or removal of these accounts, or an update to accurately reflect the current status as Paid in Full '', Settled or removed completely. This re-reporting of a previously deleted account, without new evidence or notification, is improper and legally questionable. According to : FCRA 611 ( a ) ( 5 ) ( B ), if information is deleted following a dispute, a furnisher may not reinsert it into the credit file unless they certify its accuracy and the credit bureau notifies the consumer in writing within 5 business days. Because I was not notified and no new evidence has been provided, this item must be removed immediately. expect full compliance within the 30-day investigation period as mandated by federal law. If these items are not resolved promptly, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NJ

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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXection XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I wanted to close out a credit card and the timing worked out so that I had a negative balance. I called Bank of America and asked them to close my account and they said theyd process the refund and then close the account. However, they then charged me {$5.00} for the check of the refund that was less than that, creating a balance on my account, that I was unaware of, and did not close my account. Bank of America refused to move the late payment on my credit report even though they did not do as I asked and did not tell me they were going to charge me {$5.00} for a check to refund an overpayment. It was automatically withdrawn from my account too - so they could have refunded it that way- but they chose not to and to force me to continue to be a customer of theirs for months without my knowledge and hit my credit report with late payments. I tried to call them multiple times about this. I will never bank with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 601 ( b ). The item below is being reported in error and must be removed within four ( 4 ) business days of receiving this notice, as required by law when information is found to be unverifiable or incorrect. 


Creditor/Agency Name XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$3100.00} Date Opened : XX/XX/XXXXXXXX  Reported : XX/XX/XXXX Creditor/Agency Name : XXXX XXXX XXXX Account Number XXXX XXXX Amount Reported : {$9400.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXXXXXX  Reason for Dispute : [ e.g., Fraudulent account, Account never opened by me, Settled account reported inaccurately ]

Company response to consumer: Closed with non-monetary relief