vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX # XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized 1. Unauthorized/Erroneous Account RESULT OF The XXXX  Data Breach Direct Violation of The FCRA Reporting Falsely XXXX XXXX XX/XX/year> DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS By the provisions of the Fair Credit Reporting Act, I demand that these items be remove and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.15 U.S.C . Sec. 1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) Information Regarding Inquires Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record or inquires in connection with a credit, or insurance transaction that is not initiated by a consumer. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
A collection was placed on my credit report for a medical debt that is not mine. When I contacted the agency reporting this they did not have any correct addresses or information. Reported fraudulent information that resulted in adverse action affecting my ability to purchase a vehicle.

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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oak capital refuses to stop calling me even after telling multiple agents unsubscribing to emails and previously disputing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

This letter constitutes a formal Notice of Dispute pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 regarding inaccurate and inconsistent information appearing on my consumer report. 

Creditor : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number ( masked as reported ) : XXXXXXXX XXXX XXXX  Alternate masking shown on Equifax : XXXX XXXXXXXX Account Type : Auto Loan Date Opened : XX/XX/year> I am disputing the reporting of a late payment on the above-referenced account. 



The alleged late payment is not reported consistently across consumer reporting agencies. One consumer reporting agency reflects a late payment for the same account and same reporting period, while one or more other agencies report the account as paid as agreed or current. This inconsistency demonstrates that the information can not be verified as accurate.

If the late payment were accurate, it would be reported identically across all consumer reporting agencies, as the underlying account data would be the same. Because this is not the case, the information being reported is inaccurate, incomplete, misleading, and unverifiable.

The reporting of materially inconsistent payment history violates the requirement to follow reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and triggers your reinvestigation duties under 15 U.S.C. 1681i ( a ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of this disputed information and delete or correct any information that can not be verified as accurate.

If this account is verified, you are required to notify the furnisher of the dispute pursuant to 15 U.S.C. 1681s-2 ( b ) and ensure that the furnisher conducts a lawful and reasonable investigation.

Courts have recognized that inconsistent reporting across consumer reporting agencies is evidence of unreasonable procedures and inadequate reinvestigation, including but not limited to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 



Accordingly, I demand deletion of the inaccurately reported late payment. In the alternative, I demand written documentation demonstrating how the late payment was verified with competent and substantive evidence. Automated or conclusory verification responses are insufficient under the Fair Credit Reporting Act.

Please note that I am maintaining records of this dispute. Failure to comply with your statutory obligations may result in available remedies under 15 U.S.C. 1681n and 1681o along with taking one through arbitration.

This letter is a lawful dispute and a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against EXPERIAN due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I am XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New Jersey XXXX. I have attempted to resolve this issue directly with the credit bureau without success. The discrepancies in my credit report are affecting my financial health and overall well-being. 

XXXX of the most concerning items pertains to an account labeled XXXX XXXX XXXX The credit report indicates a XXXX balance with no payment history, which I firmly believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), the credit bureau is obligated to ensure that the information in my credit report is accurate and verified. The absence of a payment history raises significant questions about the legitimacy of this account, as outlined in the case of XXXX XXXX XXXXXXXX ( XXXX ), where the courts affirmed that credit reporting agencies must report accurate information based on reasonable investigations. The persistent existence of this unverifiable account is causing me actual harm, including credit denials, increased interest rates, and significant emotional distress. The impact on my credit score has made it challenging to secure fair lending opportunities, which is deeply concerning. 

I formally demand that the Consumer Financial Protection Bureau conducts a complete and thorough investigation into this matter. I seek your assistance in addressing this serious issue, as my repeated attempts to rectify it with the credit bureau have been unsuccessful. 

Furthermore, I demand the immediate deletion of these erroneous accounts from my credit report. Given their willful noncompliance with the FCRA, I am also seeking any and all statutory and punitive damages afforded to me under the law. Thank you for addressing this matter promptly.

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 2025-12-15 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: IL

Complaint narrative:
I am being contacted by Spring Oaks Capital regarding an account that does not belong to me. I never opened an account with them, nor did I authorize any debt in their name. Despite this, they are attempting to collect and are reporting this account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
I went to XXXX and drove a rental car in XX/XX/XXXX. I returned home to California without any incidence. 

I received an Infringement to the Road Traffic Code for a driving violation on XX/XX/XXXX for the amount of XXXX ( XXXX ) XXXX ( within 5 days of notification ), and XXXX ( within XXXX days ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The incident happened in XX/XX/XXXX but the letter from the XXXX was dated XX/XX/XXXX ( more than 365 days later ), and was received by mail at my residence in late XX/XX/XXXX. 

I followed the directions on the back of the ticket to pay with a bank transfer from XXXX XXXX XXXXXXXX with the late fee of XXXX ( it was not clear what date the late fee applied to whether it was the date of the letter or the date it was received ) so I paid more just in case. I paid on XX/XX/XXXX. I saved the paperwork of the money transfer given to me by XXXX XXXX XXXXI recently received a letter dated XX/XX/XXXX from Kehoe Financial XXXX XXXX for an unpaid traffic infringement for {$420.00}. I contacted them saying that this was a mistake and I paid this already and showed them the bank transfer paperwork. XXXX XXXX from the group said that this was not enough and to go to my bank and get another verification which I did. 

I called Kehoe and personally talked to them. I told them that it is well-known that police departments in XXXX send XXXX tickets more than a year later, increase the fines for late fees, and then send you to debt collectors ( Kehoe is known to pick up the debts from them ) even after the fines are paid. The debt collectors that pick up these debts never check to see if the debt is paid, and are counting on people being scared and just paying 4x the fine to them. This is how they make money.

I went to my Bank, and got verification that the money was transferred into the Bank listed on the ticket. I sent this verification to XXXX XXXX by email to erase my debt because it was paid. I emailed him multiple times. I wanted proof that my original debt was not paid. and now I wanted confirmation that I do not have any debt.

I have not received any response from Kehoe, not even confirmation that they received my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I just want to Follow up these multiple inaccuracies and inconsistencies on my credit reports that violate the Fair Credit Reporting Act ( FCRA ). My rights under FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ) and 605 ( c ), and 607 ( b ) entitle me to accurate reporting and a full reinvestigation of disputed accounts. Accounts in dispute : XXXX XXXX XXXX XXXX Acct. ending XXXX ) XXXX, balance XXXX XXXXXXXX {$280.00}. Date of Last Activity is reported inconsistently : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. These discrepancies suggest inaccurate reporting and failure to update the account properly. XXXX XXXX XXXX ( Acct. ending XXXX ) CLOSED, balance {$0.00}. Date of Last Activity : Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. The account is marked current, yet a XXXX late payment remains in the seven-year history, which may constitute obsolete or inaccurate information under 605 ( a ) and 605 ( c ). XXXX XXXX ( Acct. ending XXXX ) CHARGEOFF, balance {$690.00}, Date of Last Activity XX/XX/XXXX, but not reported on Equifax or TransUnion. This inconsistent reporting violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ), and if any portion of the debt was forgiven over {$600.00}, a Form 1099-C should have been issued. Under 15 U.S.C. 1666 and 1666a, creditors are prohibited from reporting disputed amounts as delinquent while an investigation is pending. I am requesting that the credit bureaus and data furnishers conduct a full reinvestigation of these accounts, verify all reported information, and correct or delete any data that can not be fully substantiated. I also request written confirmation of the investigation results and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry is inaccurate because it resulted from activity I did not authorize.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint againsXXXX XXXX XXXX XXXX XXXX., a third-party debt collector, for attempting to collect and/or report a debt that resulted from identity theft and is not legally owed by me. 

This account was disputed with the original creditor, Capital One, as fraud/identity theft. Capital One has admitted the account was charged off and placed with XXXX XXXX XXXX for collection. However, no competent validation has been provided establishing that I opened, authorized, or am legally obligated for this debt. 

Despite the debt being disputed and tied to identity theft : The collector has attempted to collect or maintain collection authority on an account not owed by me The collector has failed to provide proper validation of the alleged debt Collection activity has continued without first substantiating liability I have exercised my rights to dispute and request validation and to limit communications Any attempt to collect a debt arising from identity theft constitutes a false representation of the character, amount, or legal status of a debt. 

FDCPA Violations Based on the above conduct, XXXX XXXX XXXX, XXXX. has violated multiple provisions of the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False or Misleading Representations Attempting to collect a debt not legally owed, or implying that I am responsible for a fraudulent account, is a false and deceptive practice.

15 U.S.C. 1692f Unfair or Unconscionable Means Collecting or attempting to collect a debt resulting from identity theftwithout proof of liabilityis unfair and unconscionable.

15 U.S.C. 1692g ( b ) Failure to Properly Validate the Debt The collector has not provided meaningful validation demonstrating : A valid contractual obligation That I am the correct consumer That the amount is legally owed 15 U.S.C. 1692c ( c ) Cease Communication I have exercised my right to request cessation of communications. Any continued contact other than lawful validation or confirmation of termination constitutes a statutory violation. 

Harm Caused As a result of the collectors actions, I have suffered : Continued stress and anxiety Risk of inaccurate credit reporting Time and expense disputing a debt caused by identity theft Ongoing fear of unlawful collection activity or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am filing this complaint against Experian Information Services LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft. 
Despite submitting a valid FTC Identity Theft Report and supporting documentation, Experian continues to report multiple fraudulent accounts on my credit file and has failed to comply with its legal obligation to block and delete identity theftrelated information. I first notified Experian of this identity theft dispute on XX/XX/year>, and followed up again on XX/XX/year>. 
However, Experian has neither permanently blocked nor deleted the fraudulent accounts listed below, nor has it provided proper verification as required by federal law : XXXXXXXX XXXX XXXX  XXXX XXXX Experians actions constitute violations of the FCRA, including 1681c-2 for refusing to block identity theftrelated information after receiving an FTC Identity Theft Report, 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ) for continuing to report or reinserting disputed information without proper notice or lawful verification. Experian appears to rely on automated or superficial dispute handling rather than the meaningful investigation required by law.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo on their App notifies me of financial services that I am eligible for. I recently paid off my card and closed my account. 

I was then offered a new card with a promotional rate of XXXX percent and XXXX cash back on XXXX in purchases. I opened to rebuild my credit and I made XXXX in purchases to redeem my XXXX credit and establish my payment record. 

When I paid off my card, and only when I went to find my statement, did I find that my interest rate was actually XXXX percent or market. I called Wells Fargo and they put me through to XXXX individuals the final who told me that I did not read the fine print that you couldnt take advantage of this offer if I had had a promotion with the last 28 months. No where was this present in the marketing materials for this card, except what they said was in the fine print. Since I trust Wells Fargo to only offer me items that are available to me, I feel like I was marketed an item under false premises. The marketing was not clear and I not only received a letter from them but several phone confirmations that I qualified for the XXXX percent. Only after I invested in using the card was I told that my percentage rate was actually much higher. I would not have used the product in this case. 

False advertising. I expect Wells Fargo as my bank of XXXX generations to offer me products clearly and that are in my best interest and not to mislead me into making purchases based on a falsely promoted interest rate and reward. I expect Wells Fargo to either give me a XXXX percent interest rate and XXXX or close the account and reimburse me the XXXX reward for my trouble in obtaining this card and making purchases on what weee false promises. Thank you.

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 2025-12-15 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: DISCOVER BANK
State: MO

Complaint narrative:
Discover is in violation of the 'opt-out laws '. By law, they are not allowed to submit non public information to any third party without my permission. They are require to provide a ' ... clear and conspicuous notice to the consumer that accurately explains the right to opt out ... ' of reporting personal information to third parties. I have never received any notice whatsoever for Discover notifying my of my option to opt out ; or asking if I want to opt out. { 12 CFR 1016.7 } Discover is in violation of the Fair Credit Reporting Act.

15 U.S. Code 6802 says that a financial institution may not disclose to a third party any nonpublic personal information regarding the consumer ; unless they provide the consumer with a compliant notice and option to opt out.

12 CFR 1016.4 and 12 CFR 1016.7 are also relevant laws concerning this matter.

According to 15 U.S. Code 6805 the CFPB is required to enforce these codes, laws and statutes. 

Discover has committed defamation against me. This has caused me emotional distress due to the importance of a credit report to a consumer in the modern American economy. 

The range of dates in question are from XXXX to XXXX of this year.

Company response to consumer: Closed with explanation