vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring oak capital keep saying I owe an charged off account the belong to someone else with a similar name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 object to the inclusion of entries reflecting accounts I did not authorize. Kindly undertake an exhaustive examination and remove them. Supporting records are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$33000.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$28000.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
WAY POINT LLC CONTACTED ME ABOUT A FRAUDULENT ACCOUNT OPENED IN MY NAME XX/XX/year> WITH XXXX TO A FRAUDULENT ADDRESS WAY POINT LLC PROVIDED ME WITH THE FRAUD DEPARTMENT NUMBER AT XXXX AND OTHER HELPFUL INFORMATION TO HELP WITH STOPPING THE FRAUD IN MY NAME

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Collection Bureau of America XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Debt Validation Account No : XXXX ( Original Creditor : XXXX ) To Whom It May Concern, I am writing regarding the above-referenced account that you have reported as being in collection, with an alleged balance of {$490.00}. I dispute this debt and request full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : The name and address of the original creditor ( PRIMO is listed, please confirm ). 

A full accounting of the amount claimed, including an itemized breakdown of the original {$390.00} balance, any interest, fees, or charges added. 

A copy of the original signed contract, agreement, or application that makes me legally responsible for this debt. 

Documentation showing that Collection Bureau of America has the authority and legal right to collect this debt.

Proof of licensing and bonding to collect debts in the state of California. 

Copies of any judgments, if applicable. 

Please note : reporting unverifiable or inaccurate information to any credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ). Until this debt is fully validated, you must cease collection activities, including reporting or updating this account on my credit file. 

This letter is not a refusal to pay but a request for validation. If you can not provide proper documentation, you must : Cease all collection efforts, and Remove this account from my credit report. 

I also request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX Bank of America falsely accused me of check fraud. I was the victim, not aware of wrongdoing. They closed my account, and ChexSystems shows no monetary loss. As a XXXX about to graduate college, I can not open a bank account, preventing me from receiving direct deposit from jobs. I request urgent removal of this false mark.

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 2025-09-22 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am writing to formally dispute and request the immediate removal of one or more unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge, permission, or written consent, and I did not apply for credit with the listed companies.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written authorization of the consumer in connection with a credit transaction initiated by the consumer.

Additionally, under applicable state consumer protection laws, unauthorized access to my credit file may constitute a violation of privacy and identity theft, subject to civil and/or criminal penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXXXXXX XXXXXX/XX/year> Dispute and Demand for Investigation Due to Data Breach Exposure To Whom It May Concern, I am writing to formally dispute and demand immediate action regarding the exposure of my personal and financial information in connection with data breaches involving Experian, TransUnion, and Equifax. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681 to have my personal information protected, reported accurately, and handled with the highest standard of security. 
Due to these breaches, my sensitive informationincluding but not limited to Social Security number, date of birth, and financial account detailshas been placed at risk of fraud, identity theft, and other misuse. This constitutes a direct violation of your legal responsibility to safeguard consumer data. 
Accordingly, I am demanding : 1. A full investigation into the handling and exposure of my personal information.

2. Written confirmation of what information of mine was exposed.

3. Immediate placement of fraud alerts and security freezes on my credit file at no cost to me.

4. Documentation of any unauthorized accounts, inquiries, or transactions connected to my information, and removal of any such inaccuracies.

5. A clear outline of the remedial steps your company will take to prevent further breaches. 
Please treat this letter as a formal dispute under the FCRA, 15 U.S.C. 1681i. I request a written response within the statutory time period of 30 days. Failure to comply will leave me no choice but to pursue remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect acknowledgment of this dispute in writing, along with the results of your investigation and the corrective measures taken. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-22 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXXXXXX XXXXXX/XX/year> Dispute and Demand for Investigation Due to Data Breach Exposure To Whom It May Concern, I am writing to formally dispute and demand immediate action regarding the exposure of my personal and financial information in connection with data breaches involving Experian, TransUnion, and Equifax. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681 to have my personal information protected, reported accurately, and handled with the highest standard of security. 
Due to these breaches, my sensitive informationincluding but not limited to Social Security number, date of birth, and financial account detailshas been placed at risk of fraud, identity theft, and other misuse. This constitutes a direct violation of your legal responsibility to safeguard consumer data. 
Accordingly, I am demanding : 1. A full investigation into the handling and exposure of my personal information.

2. Written confirmation of what information of mine was exposed.

3. Immediate placement of fraud alerts and security freezes on my credit file at no cost to me.

4. Documentation of any unauthorized accounts, inquiries, or transactions connected to my information, and removal of any such inaccuracies.

5. A clear outline of the remedial steps your company will take to prevent further breaches. 
Please treat this letter as a formal dispute under the FCRA, 15 U.S.C. 1681i. I request a written response within the statutory time period of 30 days. Failure to comply will leave me no choice but to pursue remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect acknowledgment of this dispute in writing, along with the results of your investigation and the corrective measures taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Received a late payment notice for XX/XX/year> on my credit report from Uplift when the loan was paid off on XXXX. Originally, the XXXX payment of {$170.00} was scheduled for XXXX and then cancelled as there was the ability to schedule a payoff of the remainder of the loan balance on XXXX. The payments and cancellations were all completed on the company website and email confirmations were received for each update. The system allowed for the loan payoff and I did not get any notification that the payoff would still require a XXXX payment separately on XXXX. 

Customer Care is now advising a payment needed to made on XXXX regardless of the scheduled payoff ; however, no communication was sent to advise of such. Also, the information is incorrect as the originally scheduled date was XXXX and not XXXX so the system did allow payment after XXXX, without issue. I requested that the late notification be removed as the company online payment scheduling system was in direct conflict with the billing system. The company declined removal stating the payment was late and not able to make any goodwill notifications. A correction due to the misaligned systems was the rationale of my request, not for a goodwill removal. 

The company was also in the process of a platform change to a new company listed as XXXX XXXX, which the customer representative advised today that the XXXX systems were not receiving the same information. Customers scheduling payments on the website are not in the Customer Service billing system, causing customers to continuously get late payment notifications after scheduling payments. This was a haphazard transition and did not advise of the issues with billing to the consumer, the option for online scheduling of payments should have been removed and only accepted through calls to Customer Service. Beware, as the consumer will have ramifications on their credit reports due to the company 's haphazard company practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information in my report must be accurate, complete, and verifiable. I am asking for these late payments to be verified, and if verification is not possible, they should be corrected or deleted.

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 2025-09-22 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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