vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
In XX/XX/year>, I discovered a troubling situation regarding my credit report that has significantly impacted my financial standing and peace of mind. Upon reviewing my report, I found XXXX fraudulent accounts that were added without my knowledge or authorization. These included utility and financing accounts, all of which contained incorrect personal information, such as the wrong occupation, and were linked to names I do not recognize. 
I want to emphasize that I did not open or apply for any of these accounts. The unauthorized activity on my credit report not only reflects inaccurately on my financial behavior but also directly undermines my ability to secure loans or credit. This situation is particularly distressing given the serious consequences it has on my creditworthiness. 
Upon discovering these discrepancies, I promptly filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and notified the credit bureaus of the fraudulent accounts. I submitted formal disputes that included a copy of the FTC report and requested the immediate removal and blocking of the fraudulent items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Despite taking these necessary actions, the fraudulent accounts remain on my credit report. The credit bureaus have failed to provide adequate documentation to validate the information or confirm that proper verification procedures were followed. This has not only damaged my credit score but has also affected my access to fair financial services. 
I am seeking your assistance to ensure that the credit bureaus comply with the FCRA by removing these fraudulent accounts from my credit file. I appreciate your attention to this matter and look forward to a resolution that restores my credit integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
In XX/XX/year>, I discovered a troubling situation regarding my credit report that has significantly impacted my financial standing and peace of mind. Upon reviewing my report, I found XXXX fraudulent accounts that were added without my knowledge or authorization. These included utility and financing accounts, all of which contained incorrect personal information, such as the wrong occupation, and were linked to names I do not recognize. 
I want to emphasize that I did not open or apply for any of these accounts. The unauthorized activity on my credit report not only reflects inaccurately on my financial behavior but also directly undermines my ability to secure loans or credit. This situation is particularly distressing given the serious consequences it has on my creditworthiness. 
Upon discovering these discrepancies, I promptly filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and notified the credit bureaus of the fraudulent accounts. I submitted formal disputes that included a copy of the FTC report and requested the immediate removal and blocking of the fraudulent items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Despite taking these necessary actions, the fraudulent accounts remain on my credit report. The credit bureaus have failed to provide adequate documentation to validate the information or confirm that proper verification procedures were followed. This has not only damaged my credit score but has also affected my access to fair financial services. 
I am seeking your assistance to ensure that the credit bureaus comply with the FCRA by removing these fraudulent accounts from my credit file. I appreciate your attention to this matter and look forward to a resolution that restores my credit integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account with available funds after I made claims for unrecognized charges, and now I have no access to my money, and Citi Bank says they know nothing about my account

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 monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am reporting inaccurate and potentially fraudulent credit reporting involving Spring Oaks Capital LLC and XXXX 

On my XXXX credit report, a collection account from Spring Oaks Capital LLC appeared, allegedly originating from XXXX XXXX XXXX XXXXXXXX, with an opening date of XX/XX/XXXX. The account was charged off on XX/XX/XXXX, and is listed as Account disputed by consumer, meets FCRA requirements. 

I have never opened an account with XXXX XXXX XXXX XXXXXXXX. To verify, I contacted XXXX ( XXXX ) branches of XXXX XXXX XXXX XXXXXXXX directly and provided my full name, Social Security number, and address. All confirmed they have no record of me in their systems. 

I have written to Spring Oaks Capital LLC three times in XXXX, including a final request over 45 days ago, demanding debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have received no response. 

Despite this, XXXX continues to report the account, claiming it meets FCRA requirements yet no proper verification has been shared with me. 

Additionally, the timing of the charge-off ( within 30 days of the alleged account opening ) is extremely irregular and inconsistent with typical credit reporting standards. This raises serious concerns about identity theft, data integrity, or bad-faith reporting practices. 

The resolution that I am seeking : I am requesting the immediate removal of this inaccurate and unverifiable collection account from my credit reports. 

I also request that Spring Oaks Capital LLC be investigated for : Failing to validate a disputed debt within the required time. 

Potentially reporting false or fraudulent information. 

Violating my rights under the FDCPA and FCRA. 

XXXX  should be held accountable for continuing to report a disputed and unverified debt. 

I am tired of adding information to my credit file without letting me know. I happened to check my credit file today finding out that Spring Oaks Capital charge off the account on XX/XX/XXXX WITHOUT LETTING ME KNOW. This is the last request, tired of not being notified me their actions or reports towards my file. This worst than having XXXX, at least my doctor tells me right away of my numbers, Springs Oaks Capital needs to step up to the place and act accordingly and follow the guidelines or protocol of the law. 

I am fed up! Springs Oaks Capital never sent me a letter since XX/XX/XXXX when they said i had opened an account and then changing the date to XX/XX/XXXX that went on collections. 

With honesty and respect, XXXX XXXX- please copy XXXX  with this request. - I have sent 5 letters to XXXX  on the same issue and they continue to send me copies of my credit file with no response. Completely a waist of postage and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
Several companies accessed my credit report without authorization, directly harming my credit and score. Despite assurances from your representative, these inquiries remain. This ongoing inaction is unacceptable and raises serious concerns of identity theft. I am suffering continued financial and emotional harm. I demand an immediate investigation and the urgent removal of all unauthorized inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 do not recognize the negative accounts appearing on my credit

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 2025-06-10 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received an initial notice from Medicredit , Inc. ( " Medicredit '' ) Within the 30-day period provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I exercised my rights and submitted a written request for validation of the debt on XX/XX/year>. This request was sent via certified priority mail and was confirmed as delivered to Medicredit on XX/XX/year>. 

In my letter, I made it clear that I was not refusing to pay the alleged debt but was disputing its validity and requesting documentation to support the claim. I asked for verification including a copy of the original signed agreement, a detailed breakdown of the amount allegedly owed, proof that Medicredit is authorized to collect debts in the state of Florida, and evidence that the debt had been legally assigned or sold to Medicredit I also requested that if Medicredit did not own the debt, they forward my dispute and validation request to the original creditor.

Additionally, I instructed that all future communication regarding this matter be made in writing only, as it is inconvenient for me to be contacted by phone or through any method other than those I explicitly authorize.

Despite my proper and timely dispute, MeXXXX failed to respond or provide the requested validation. Furthermore, they continued collection efforts by transferring or selling the alleged debt to XXXX XXXX, XXXX, ( " XXXX XXXX '' ) which has now initiated its own collection activities through phone calls and written correspondence. An identical letter will be sent to XXXX XXXX with an additional paragraph advising them of Medicredit 's actions and the complaints being filed against them. 

These actions constitute violations of my rights under the FDCPA and FCRA, as collection activity must cease until proper validation has been provided following a timely dispute. 

Coincidentally, the address for Medicredit is XXXX XXXX XXXX XXXX XXXX MO XXXX, while the address for XXXX XXXX is XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Additionally, the Better Business Bureau lists XXXX XXXX XXXX as the President of Medicredit and as an Assistant for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
On XXXX a debt appeared from National Credit Systems on my XXXX credit report related to XXXXXXXX XXXX  apartments. I reached out to XXXX XXXX  apartments previously to let them know I never applied to the apartment but they still forwarded the debt to national credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Hello I noticed these inquires on my report and I didn't authorize them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Hello I noticed these inquires on my report and I didn't authorize them. 

XX/XX/XXXXXXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing this address because it is inaccurate and not my current or valid address. Please remove it from my credit file. My correct address is XXXX XXXX XXXX, XXXX, FL 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing this address because it is inaccurate and not my current or valid address. Please remove it from my credit file. My correct address is XXXX XXXX XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IN

Complaint narrative:
Let me be unequivocal : this is a valid and well-substantiated complaint. My credit report contains inaccurate information that blatantly violates the legal requirement of maximum possible accuracy. These errors are causing continuous and significant harm to my financial standing and personal well-being. The consequences are severe and increasingly unsustainable. Given the gravity of this matter, correcting or removing these inaccuracies is not optionalit is urgent and absolutely necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have been actively disputing an inaccurate entry on my ChexSystems consumer report since XXXX. The entry, reported by XXXX XXXX XXXXXXXX, lists a {$14.00} charge-off and improperly labels the account with suspected fraud. This derogatory information is unsubstantiated and has caused significant harm to my banking and financial reputation. 

My first formal dispute was filed in XXXX, followed by a second submission in XX/XX/XXXX. At that time, I requested all supporting documentation from ChexSystems and XXXX XXXX XXXX, including any verification of the fraud designation or underlying debt. Neither company has ever produced evidence to justify this entry. 

On XX/XX/XXXX, I submitted another dispute, again requesting validation of the account and challenging the use of the fraud label. No documentation was provided. 

By XX/XX/XXXX, I received a series of ChexSystems letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, acknowledging receipt of my continued disputes. These included minor updates such as address corrections and standard identity theft literature but still no evidence supporting the disputed entry. 

On XX/XX/XXXX, I followed up again. Still, no verification was provided. 

Then, on XX/XX/XXXX, ChexSystems issued a letter stating that no action would be taken unless I submitted a police report a requirement that exceeds their obligations under FCRA 611 and 623. This effectively blocks my dispute rights and shifts the burden of proof away from the data furnisher, in violation of federal law. 

Finally, on XX/XX/XXXX, ChexSystems labeled my repeated dispute as frivolous, despite never conducting a reinvestigation that produced substantiated results. They have refused to remove or suppress this unverifiable, derogatory information continuing to publish a harmful fraud label that neither ChexSystems nor XXXX XXXX XXXXXXXX has ever proven or validated. 

This inaccurate reporting has resulted in multiple denials to open bank accounts, blocked business applications, and reputational harm across the financial sector. I am a trust manager and financial operator with multiple legal entities and this report has interfered with institutional banking.

I am requesting that the CFPB : 1. Require immediate deletion of the XXXX XXXX  XXXX suspected fraud entry from ChexSystems. 
2. Investigate both ChexSystems and XXXX XXXX XXXXXXXX for FCRA noncompliance under Sections 611, 623, and 616/617.


3. Order written confirmation of deletion and compel both parties to implement corrective procedures to avoid continued violations.

I have submitted this complaint via portal and certified mail, alongside a Final Notice of Intent to Sue. If this is not resolved, I will pursue litigation.

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 2025-06-10 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation