vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear XXXX XXXX XXXX Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. NAVY FCU Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA XXXX ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the XXXX window outlined in FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am submitting this complaint to dispute several late payment notations appearing on my credit reports across XXXX XXXX and Equifax. The accounts in question are as follows : XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX with a reported late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX  with a late payment dated XX/XX/XXXX, showing a past due balance of {$0.00}. 
XXXX XXXX - Account ending XXXXXXXX XXXX XXXX XXXX XXXX with a late payment dated XX/XX/XXXX, showing a balance and past due amount of {$0.00}. 

These accounts reflect late payments despite showing XXXX past due balances or XXXX balances owed at the reported dates. This discrepancy indicates an error in the reporting or inaccurate reflection of the account status at the time the late payments were reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting late payments when the accounts reflect XXXX past due amounts misrepresents my payment history and damages the accuracy of my credit profile. 

The presence of these late payments adversely impacts my credit score and creates an inaccurate representation of my creditworthiness. This can unjustly lead to denials or unfavorable terms when seeking credit, insurance, or housing. Therefore, these late payment notations are misleading and violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the tradeline for XXXX XXXX loan ( Account ending in XXXX ) that was charged off and should no longer be updating with new late payment history. 

This account was originally charged off in XXXX or early XXXX, and I have made no payments or renewed contact with XXXX since that time. 

However, XXXX is reporting ongoing 90-day late payments through XX/XX/XXXX, which is both inaccurate and misleading. 

This violates : FCRA 623 ( a ) ( 2 ) furnishers must report with maximum possible accuracy FCRA 623 ( a ) ( 5 ) furnishers must retain the original Date of First Delinquency ( DOFD ) Metro 2 Reporting Standards charge-off accounts must stop aging past the CO date unless reactivated

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XX/XX/2025 Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Formal Demand for Debt Validation and Assignment Contract Notice of Dispute Under 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal and legal demand for immediate validation of the alleged debt your agency claims I owe. I dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide complete and verifiable documentation proving your legal right to collect this alleged debt. 

You are hereby instructed to provide the following without delay : 1. Full validation of the alleged debt, including a complete accounting of the amount claimed, and a breakdown of all charges, interest, and fees ; 2. A copy of the original signed contract or agreement showing I entered into this obligation ; 3. A copy of the assignment contract or purchase agreement between your agency and the original creditor, proving you have legal standing to collect including all dates, terms, and signatures ; 4. Proof of your debt collection license and registration in my state, if applicable ; 5. The name and address of the original creditor and the date the debt was allegedly incurred.

Failure to provide these documents within the timeframe allowed by law will result in an immediate complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Further, any attempt to continue collection, call me, or report this unverifiable debt to any credit bureau without supplying the above documentation is a direct violation of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 

If you are unable to produce the documentation proving your legal right to collect this alleged debt, you must : Cease all collection activity immediately, and Permanently delete this account from all credit reporting agencies. 

This is your final notice. Any violation of my rights going forward will result in legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
The accounts listed below are unauthorized and constitute identity theft. I request immediate deletion under the provisions of 15 U.S. Code 1681g. This matter should be resolved within 15 days. Enclosed are relevant documents to support this claim.

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 2025-06-18 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: CA

Complaint narrative:
Im contacting you regarding an account that appears on my credit report, which was opened without my knowledge or consent. This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not open this account, I have no affiliation with it, and I have never authorized anyone to open it on my behalf.

This is identity fraud, plain and simple. Im requesting that you remove this fraudulent account from my credit report immediately. It is misrepresenting my credit history and potentially damaging my financial standing.

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 2025-06-18 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: OH

Complaint narrative:
I am submitting this complaint to dispute XXXX hard inquiries listed on my TransUnion credit report. The inquiries in question are from XXXX XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year>. I did not authorize these entities to access my credit report, nor did I initiate any credit applications or transactions that would justify these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ), a consumer reporting agency such as TransUnion is prohibited from releasing my credit information to any party unless I have provided explicit consent or there is a legally permissible reason, such as an application initiated by me. Furthermore, XXXX XXXX. XXXX ( a ) requires consumer reporting agencies to maintain reasonable procedures to ensure that only authorized parties access consumer credit information. 

The presence of these unauthorized inquiries harms my credit profile by lowering my credit score and creating the false impression that I am actively seeking credit. This misrepresentation can negatively affect my ability to secure loans or credit on favorable terms and damages my overall financial reputation.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-18 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: TX

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 2025-06-18 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: CA

Complaint narrative:
Im contacting you regarding an account that appears on my credit report, which was opened without my knowledge or consent. This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not open this account, I have no affiliation with it, and I have never authorized anyone to open it on my behalf.

This is identity fraud, plain and simple. Im requesting that you remove this fraudulent account from my credit report immediately. It is misrepresenting my credit history and potentially damaging my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: WA

Complaint narrative:
Consumer name : XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C. 1681c2 ) 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.This fraudulent, inaccurate and false information consist of a personal credit card account opened at : XXXX XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXX XXXX XXXXXXXXthe account number XXXX Open XX/XX/XXXX, Loans what is collections accounts are : XXXX XXXX the account number XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXX XXXX the account number XXXX Open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX and Hard inquires : The XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I dont recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries are the resultant of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX and XXXX as a 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 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 2025-06-18 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 recently reviewed my credit report and discovered unauthorized accounts that I did not open. These are fraudulent and must be removed in accordance with 15 U.S. Code 1681g. Please act within 15 days. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: DC

Complaint narrative:
I received a copy of my credit report and I am writing to dispute the following information that appears on my Equifax, TransUnion, Experian report Please verify or remove immediately the following accounts : ( My Late payment fees my credit cards have, that the credit company did not REPORT ) as well as my XXXX XXXX XXXX settled this account and negotiated a pay-to-delete agreement with the debt collector.Please delete the collection from my credit report. 
XXXX XXXX XXXX XXXX XXXX paid the original creditor in full before this account was charged off.Please delete the charge-off from my credit report. 
XXXX XXXX XXXX  XXXX XXXX XXXX paid the original creditor in full before this account was charged off.Please delete the charge-off from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
Inquiry from XXXX XXXX XXXX  XXXX XXXX on XXXXThe date of this inquiry is wrong.Please verify and provide proof of the date of this inquiry or remove this from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief