vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC
identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in
my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I returned all internet equipment toXX/XX/XXXX. All the devices were the same type, and I returned them toquether on XX/XX/year>. I received a receipt confirming that everything was returned in good conditions, and no restocking fees were chargued. Despite that, a {$620.00} debt was placedin collections. I tried to resolve the issues with the company, but they couldn't assist me. I'm requesting that this incorrect colletion be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Earlier this year, my husband and I were turned down for financing on a major purchase ( new car ), despite an excellent FICO score and excellent payment history. In researching the reason for the declination, I discovered that the high balance on our Bank of America credit card is reported as {$30000.00} while the credit limit is {$28000.00}. It seems this history of exceeding the credit limit hurt our application. This is actually the first time I have ever looked into the details of our credit report, as weve never had a problem before because we have not needed credit for a purchase in a very long time. 

I know that we have never exceeded our credit limit and in fact have never come close to maxing out a credit card. This account is over XXXX XXXX XXXX and I believe that somewhere along the line when information was being gathered or input into a new system a mistake was made. 

I first contacted the credit reporting companies and was told that this information came directly from the credit card company and that I must request them to change it. 

On XX/XX/XXXX I contacted BOA about this matter and they said they would look into it. I did not hear back by end of XXXX and called on XX/XX/XXXX, at which time I was told a letter had been sent saying that they had determined the high balance info was correct. I reported that I had not received the letter and I then asked them to provide the month and year of the high balance so I could verify it. At the time of that call, the customer service rep could not provide any details on how they researched the problem, how they determined the amount was correct, or provide me with the month and year of the high balance. I told them that I would need that info and was told it would be researched again and they would get back to me. 

On XX/XX/XXXX I received a letter explaining what a high balance is and telling me they completed their review of information available to them and consider the dispute resolved. They did not provide the date and month of the high balance or any other info on how they researched or why they believe the erroneous information is correct.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-05-23 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
To whom this may concern, my name is XXXX XXXX XXXX and this is not a third person filing this complaint. I have attached for your review several Fraudulent inquiries as well as Accounts thats being furnished on my consumer report. Please remove them for they are damaging my chances of receiving credit due to these fraudulent reportings. 
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 2025-05-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear CFPB Representative, I, XXXX XXXX XXXX XXXX , am submitting this formal dispute and identity theft complaint against the consumer reporting agencies for continuing to report a fraudulent account under the name XXXX, which appears on my credit file. I did not authorize, open, or apply for this account, and its presence on my credit report is the direct result of identity theft. 

Fraudulent Account in Dispute : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Status : Paid / Closed Late 30 Days Date Opened : XX/XX/XXXX Reported to : TransUnion, Experian, Equifax This account is not mine. I never submitted an application to XXXX, never received or used any credit from this entity, and have no knowledge of this account prior to its appearance on my credit report. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are legally required to block and delete any information resulting from identity theft within 4 business days upon receiving documentation of the fraud. 

I am now submitting this dispute along with my official FTC Identity Theft Report, which clearly supports my claim that this account is the result of fraud. I am not requesting validation. I am demanding the immediate deletion of this account from all credit bureaus. 

Legal Violations Cited : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or false information. 
15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires the blocking and removal of identity theft-related accounts within four ( 4 ) business days. 
15 U.S.C. 1681i : Mandates that unverifiable or disputed information must be corrected or deleted promptly. 

Attached Supporting Documents : Government-issued photo ID Copy of Social Security card Proof of address - this invoice is for address verification only. 
Identity Affidavit FTC Identity Theft Report Screenshot/excerpt of credit report showing the XXXX account This is a final request. If this fraudulent information is not removed promptly in compliance with federal law, I will pursue further legal action and regulatory escalation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear CFPB Representative, I, XXXX XXXX XXXX XXXX , am submitting this formal dispute and identity theft complaint against the consumer reporting agencies for continuing to report a fraudulent account under the name XXXX, which appears on my credit file. I did not authorize, open, or apply for this account, and its presence on my credit report is the direct result of identity theft. 

Fraudulent Account in Dispute : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Status : Paid / Closed Late 30 Days Date Opened : XX/XX/XXXX Reported to : TransUnion, Experian, Equifax This account is not mine. I never submitted an application to XXXX, never received or used any credit from this entity, and have no knowledge of this account prior to its appearance on my credit report. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are legally required to block and delete any information resulting from identity theft within 4 business days upon receiving documentation of the fraud. 

I am now submitting this dispute along with my official FTC Identity Theft Report, which clearly supports my claim that this account is the result of fraud. I am not requesting validation. I am demanding the immediate deletion of this account from all credit bureaus. 

Legal Violations Cited : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or false information. 
15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires the blocking and removal of identity theft-related accounts within four ( 4 ) business days. 
15 U.S.C. 1681i : Mandates that unverifiable or disputed information must be corrected or deleted promptly. 

Attached Supporting Documents : Government-issued photo ID Copy of Social Security card Proof of address - this invoice is for address verification only. 
Identity Affidavit FTC Identity Theft Report Screenshot/excerpt of credit report showing the XXXX account This is a final request. If this fraudulent information is not removed promptly in compliance with federal law, I will pursue further legal action and regulatory escalation. 

Sincerely, 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing this formal complaint against Spring Oaks Capital , LLC for their ongoing and egregious violations of multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Federal Trade Commission Act ( FTCA ). 

On XX/XX/year>, I lawfully submitted a debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. Despite confirming receipt of my certified letter, XXXX XXXX XXXX failed to provide any of the required documentation to validate the alleged debt. They have not produced : A signed agreement bearing my name, A full itemization of the alleged debt, Proof of ownership or assignment of the debt, Any legitimate authorization from the original creditor. 

Despite their noncompliance, they continue to report this account to the major credit bureaus ( Equifax, Experian, TransUnion ), damaging my credit profile with unvalidated and inaccurate information. 

Violations : FDCPA 15 U.S.C. 1692g ( b ) : XXXX XXXX XXXX failed to cease collection activity and did not provide proper validation of the debt after my dispute. This renders their reporting and collection efforts illegal. 

FDCPA 15 U.S.C. 1692e ( 8 ) : The company knowingly continued to report disputed and unvalidated information to credit bureaus, constituting a false and misleading representation. 

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon receipt of my dispute, XXXX XXXX XXXX XXXXailed to conduct a reasonable investigation or correct the erroneous information. Their continued furnishing of unverifiable data violates their duties under the FCRA. 

FTCA 15 U.S.C. 45 ( a ) : Their actions amount to unfair and deceptive practices in commerce, as defined and prohibited by the Federal Trade Commission Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$970.00} to XXXX XXXX XXXX as a full and final compromise for a debt originally owed to XXXX XXXXXXXX XXXX and previously managed by Jefferson Capital Systems XXXX XXXX informed me they had purchased the debt from Jefferson and were now the rightful owner. I selected the 45 % settlement offer from XXXX online portal and submitted payment. They later provided a settlement letter confirming that my account was accepted as resolved in full. 

Since making the payment, XXXX has deactivated my account portal, which now displays account not found when I try to log inindicating the account has been closed and the balance resolved. However, Jefferson Capital is still reporting this debt to the credit bureaus as if it is active and unpaid, despite no longer owning the account. This is inaccurate and creates a misleading and harmful entry on my credit report.

I also received a letter from Jefferson Capital before the payment was made, promising that if payment in full was received, they would request deletion of the account from the credit bureaus. However, this letter became invalid once the account was sold to XXXX. I never received a clear explanation that this deletion agreement no longer applied or that Jefferson Capital would continue to report the debt even after selling it.

To be clear : I settled the debt in good faith with the company who legally owned it ( XXXX ). 
XXXX acknowledged this in writing. 
Jefferson Capital no longer owns the debt and should not be reporting a balance.

The account now appears to be resolved and closed on XXXX side, yet my credit still reflects an active derogatory tradeline.

I am requesting that : 1. Jefferson Capitals tradeline be immediately updated to reflect a {$0.00} balance and be marked as sold/closed.

2. If possible, that the tradeline be removed entirely due to conflicting ownership and settlement reporting. 
3. Credit bureaus be informed by all involved parties that the debt is resolved and should no longer negatively affect my credit report.

I have attached proof of payment, settlement confirmation from XXXX, the Jefferson Capital pay-for-delete letter, and screenshots of the XXXX payment portal. Please review this complaint urgently and help me resolve this unfair and confusing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief