vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
I am a victim of identity theft and have been dealing with serious issues as a result. Accounts that do not belong to me have been fraudulently opened and reported under my name. These accounts are not mine, and I did not authorize or consent to them in any way. 
I want to make it clear that I am not responsible for these fraudulent accounts or the debts attached to them. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to dispute these accounts and request that they be removed from my credit report immediately. Not sure of exact dates but I tried to work it out and get some feed back from company XX/XX/year> XXXX

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am not liable for this debt of {$110.00} with XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2025-09-23 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: OH

Complaint narrative:
I am submitting to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain accounts still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not XXXX  % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-23 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
XXXX XXXX was drafting out my account but not fixing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received mail forwarded from my previous address in North Carolina, with a XXXX letterhead, claiming my debt had been transferred to Portfolio Recovery Associates ( PRA ). I called XXXX to confirm this, and they said they had * not * sold the debt to PRA, so it must have been sold to PRA by the previous debt collections agency I had also disputed. So I responded to dispute the debt with PRA at the end of XXXX, and requested about 20 items of information to verify the debt, and cited the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), notifying them by certified mail that if they reported this debt to the credit bureaus without first verifying my obligation to pay it, I would report them to the CFPB. 
At the end of XXXX, PRA sent arbitrary information from 2 different addresses, but none of it was sufficient to fulfill my request for verification. I responded to both addresses ( certified mail again ) to let them know, once more, that if they failed to alert the credit bureaus that I have disputed the debt, I would report them to the CFPB.

I thought this was the end of it, but apparently not. Two days ago I was notified that the debt had been reported to my credit bureaus and damaged my credit score, despite PRA failing to verify it as my debt. It is absolutely illegal for them to report this debt to the credit bureaus without verifying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts listed in my credit report. These accounts are not mine, and I have never authorized their opening or management. Their inclusion misrepresents my financial history and creates an inaccurate reflection of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reduced the limits on my XXXX and XXXX accounts without proper notice. They never notified me of the huge reduction to my limit on the XXXX account and they used vague reasons in their letter regarding the XXXX limit reduction. They are harming my financial and credit worthiness and refuse to put anything in writing when I request it. They pressured me to lift a protective XXXX credit freeze after identity theft, ignored my XXXX request for written communications, and retaliated when I asked if I needed a lawyer. I never missed a payment, my credit reports show exceptional history, yet these actions spiked my utilization and damaged my score. I am requesting adverse action notices, restoration of limits, XXXX compliance, and correction of my credit reports.

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: FL

Complaint narrative:
XXXX XXXX is reporting multiple late payments without providing original records, violating FCRA 607 ( b ), 611. 

XXXX  XXXX is reported as both Charged Off and Transferred/Sold, which is contradictory and inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

XXXX also shows Charged Off and Transferred/Sold at the same time, which is misleading and unverifiable, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

I request a reasonable investigation and correction or deletion of all unverifiable information.

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: FL

Complaint narrative:
XXXX XXXX is reporting multiple late payments without providing original records, violating FCRA 607 ( b ), 611. 

XXXX  XXXX is reported as both Charged Off and Transferred/Sold, which is contradictory and inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

XXXX also shows Charged Off and Transferred/Sold at the same time, which is misleading and unverifiable, violating FCRA 623 ( a ) ( 1 ) ( A ), 611. 

I request a reasonable investigation and correction or deletion of all unverifiable 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 2025-09-22 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: NV

Complaint narrative:
My personal information was compromised in a data breach, and as a result, fraudulent accounts were opened in my name without my knowledge or authorization. The fraudulent accounts are : Creditor : XXXX XXXX XXXX XXXX 
Balance : {$710.00} Account Number : XXXX Date Opened : XX/XX/year> Creditor : XXXX XXXX XXXX  Balance : {$380.00} Account Number : XXXX Date Opened : XX/XX/year> These accounts do not belong to me. I have already submitted disputes with the creditors and credit reporting agencies, along with the following documentation

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 2025-09-23 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my credit report

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : [ transunion credit bureau ] [ Credit Bureau Address ] Subject : Request for Investigation and Removal of Inaccurate/Unverifiable Information Under FCRA ( 15 U.S.C. 1681i ) c-2 Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy of certain information currently being reported on my credit file. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate the following accounts, as I believe they contain inaccurate or unverifiable information : XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) I request that each of these accounts be thoroughly investigated. If you can not verify the accuracy and completeness of the information, please delete or correct it as required by the FCRA. 

Please provide me with a written response detailing the results of your investigation. 

For your reference, I have enclosed a copy of my government-issued ID and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I expect your response within the XXXX period as required by federal law. 

Sincerely, [ 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX I contacted all three credit bureaus, Experian, Equifax, and Trans Union for personal things to be removed

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 2025-09-23 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: NY

Complaint narrative:
On or about XX/XX/year> I sent dispute letters to all three Credit reporting agencies. I receive correspondence that all three had received my disputes and are working on them. Within those letters I sent a copy of my drivers licence and a copy of a bank statement verifying my address. I received a disposition from XXXX and Experian but never received a disposition from XXXX  after they said they had received my disputes. Which I thought they needed to do. So on XX/XX/XXXX I started my second rounds of disputes again along with my disputes I sent the same copy of my drivers license and bank statement I had be before and gave them 30 days to respond. But now XXXX and Experian sends my a letter to the same address that is on the bank statement that I sent them that they think it's not me. I've heard that this is used to discourage me it seems illegal to me. Experian even sent their findings in the first dispute to the same address if it's not me then they would have sent my private information to an unknown party.

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: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation