vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-05 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: NJ

Complaint narrative:
I am submitting this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ), 1681s-2, 1681 ( 5 ), 1666b and 1681c ( c ). Despite multiple dispute letters sent, Equifax has failed to properly investigate and correct the inaccurate information on my credit report. I disputed the following inaccurate account or item on my credit report : XXXX. XXXX XXXX XXXX XXXX Account # XXXX The account was paid and settled and still reporting as a charge-off XXXX XXXX , and they have not sent me a 1099c, since I paid this account on XX/XX/XXXX. Equifax is still reporting charge-off in my history and they are reporting incorrect dates of account opening and reporting. I also attached documents from XXXX XXXX providing the correct information, however, Equifax continues to report inaccuracies on my credit report. I am requesting that this account be removed from my credit report to prevent any issues in the future.

Incorrect information The account was opened on XX/XX/XXXX The account was reported on XX/XX/XXXX Correction information The account was opened on XX/XX/XXXX. 
The account was paid in full on XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 605B and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this fraudulent account be removed from my credit report and all collection efforts cease immediately. This debt is the result of identity theft, and under federal law, once I have provided proper documentationidentity theft affidavityou are required to block the account from my credit file and stop all collection activity. Continuing to report or attempt to collect this debt violates both the FCRA and FDCPA.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
I am a victim of identity theft, and I have in accurate information on my full credit report, all inaccurate information was removed accept for XXXX FUNDING, and XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to 15 U.S 1681c-2, a consumer agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four ( 4 ) business days of receipt.i need this inaccurate information removed immediately.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carma Enterprises Inc
State: OH

Complaint narrative:
This company is reporting a loan that has been paid in full. They offered me a settlement. I paid the settlement however, they are still reporting this on my credit and they have also agreed to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the reappearance of a collections account associated with XXXX XXXX XXXX, reported under the original creditor XXXX XXXX XXXX, in the amount of {$3100.00}, which is inaccurately listed on my credit report. This account has appeared on my Experian credit report for the third time, despite being previously investigated and removed due to an error regarding the Social Security number associated with the account. 

This collections account was investigated and removed after I disputed it on the grounds that the Social Security number ( SSN ) associated with the debt does not belong to me. I assert that the debt does not belong to me, and I should not be held liable for this amount. The actions of Experian and XXXX XXXX XXXX in continuing to report false information, despite prior investigation and removal, are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As stipulated in the FCRA, I am entitled to dispute inaccurate information and have it corrected or removed. When I first disputed this account, the relevant information was clearly shown to be incorrect, as the SSN tied to this account was not mine, and the debt was not associated with me in any way. The fact that this account has reappeared on my credit report multiple times, in spite of this, raises serious concerns that Experian and XXXX XXXX XXXX are either negligently or intentionally misreporting this information to harm my credit score.

The repeated reporting of this erroneous account, especially after being previously removed, has caused significant and undue damage to my credit score, which in turn harms my ability to obtain credit and secure favorable financial terms. Such actions violate both consumer protection laws and the protections granted to me under the FCRA and FDCPA.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am the victim of identity theft. An account with Spring Oaks Capital LLC ( Account # : XXXX ) was fraudulently opened in my name on XX/XX/XXXX without my knowledge or authorization. I discovered this account when it appeared on my credit report as of XX/XX/XXXX, for the amount of {$610.00}. 

I have never applied for or used this account, and I did not authorize anyone else to do so. I have already filed a dispute with the credit bureaus, submitted an identity theft affidavit, and contacted Spring Oaks Capital directly to request the deletion of this account under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681c-2 and FCRA 623 ( a ) ( 6 ).

Despite this, Spring Oaks Capital has not removed the account from my credit report. Their failure to delete this clearly fraudulent account is damaging my credit and violates federal law.

Supporting documentation, including my dispute letter, identity theft affidavit, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against Experian for properly failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provide consumers with necessary proof of investigation. The accounts that are inaccurate include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MO

Complaint narrative:
I am writing to formally dispute what I believe to be an unauthorized disclosure of my personal information Experian, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

After disputing inaccurate information with about certain debt collectors collectors that appeared on my credit report, I discovered that my consumer information was shared with third-party collection agencies that were not listed on my credit report and with whom I have no business relationship. I did not authorize this disclosure, nor do these parties have a permissible purpose under FCRA 604 to access my information.

Under FCRA 604, consumer reporting agencies are only permitted to disclose information to third parties that meet specific criteria. This includes obtaining a report : In accordance with written instructions from the consumer ; In connection with a credit transaction involving the consumer ; For employment purposes, insurance underwriting, or account revieweach with clear limitations.

None of these permissible purposes apply in this case. Your release of my private consumer information to unrelated third-party debt collectors constitutes a violation of my privacy rights, and potentially the XXXX XXXX ( XXXX ), which further regulates the use of personal financial data. 

According to FCRA 602 ( Congressional findings and statement of purpose ), it is the policy of Congress that consumer reporting agencies respect the confidentiality, accuracy, relevancy, and proper utilization of such information.

I hereby request the following : 1. A full investigation and explanation of how and why my consumer data was shared.

2. Identification of any third parties who received my information.

3. Immediate cessation of any unauthorized disclosures.

4. Removal of any unauthorized inquiries or accounts associated with this data sharing.

5. A statement confirming your compliance with FCRA, GLBA, and other applicable consumer protection laws.

If this matter is not resolved within 30 days, I will be forced to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and I will explore my legal rights to pursue damages under FCRA 616 and 617.

Please provide all requested documentation in writing to the mailing address 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 explanation
Consumer complaint received 2025-04-05 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: Credit Control, LLC
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST Credit control LLC and XXXX XXXX. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe Credit control LLC, and XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to Credit Control LLC and XXXX XXXX. You have 7 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XX/XX/year> ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
Third party collection agency attemtpting to collect a debt that I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Colony Brands, Inc.
State: OH

Complaint narrative:
I would like to bring to your attention that there are XXXX accounts on my credit profile that are completely fulse and fraudulent. These accounts, XXXX, Montgomery Ward, and Country Door, should not be associated with my credit history. It would be greatly appreciated if you could take the necessary steps to remove these erroneous accounts from my credit profile. Your swift attention to this matter would be much appreciated. Thank you for your understanding.

( e ) Advisory opinions of Bureau 813. Civil liability No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection I would like to further inform you of the following law.

Any proceedings on the Above Case,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-06 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT IN MY REPORT.PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Accirding to 15 USC 1692 c you have violated my rights by in lawful communications please remove this collection off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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