vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Cease and Desist Demand & Dispute of Account No. XXXX  XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as my formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that you are to CEASE AND DESIST from any and all forms of communication with me regarding the above-referenced account, includingwithout limitationphone calls, emails, letters, text messages, or third-party contacts including reporting to credit reporting agencies You are further instructed to immediately cease and desist from reporting, furnishing, or verifying any information regarding this account to any Consumer Reporting Agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ), as such continued reporting constitutes an ongoing form of communication and collection activity.

Legal Basis & Case Law Support : 15 U.S.C. 1692c ( c ) requires that once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except to advise that collection efforts are terminated or to inform of specific legal remedies. 


In Snyder v. I.C. System, Inc., 2010 WL 2560024 ( E.D. Pa. June 22, 2010 ), the court held that continued reporting to CRAs after a cease and desist letter can constitute unlawful communication under the FDCPA. 


Foti v. NCO Fin. Sys., Inc., 424 F. Supp. 2d 643 ( S.D.N.Y. 2006 ) confirmed that communication under the FDCPA is not limited to direct contact but also includes actions intended to induce payment, including credit reporting.

Brady v. Credit Recovery Co. , Inc., 160 F.3d 64 ( 1st Cir. 1998 ) reinforced that any attempt to collect after a proper cease request may be a violation of 1692c.

My Demands Are as Follows : Immediately cease all communications with me in any form regarding this alleged debt. 


Cease and desist all credit reporting, furnishing, or verification activities related to this account with any CRA. 


Remove any existing credit reporting related to this account within 4 business days of receipt of this letter. 


Provide written confirmation that you have complied with these demands. 


Failure to honor this request will be considered a willful violation of the FDCPA and FCRA, and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue a private right of action for statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1692k. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-08-08 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: NY

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 4 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-08-08 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:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Loan Number : XXXX To Whom It May Concern, We are writing to dispute a recent late payment report on our account following our refinance with freedom mortgage. 
When we refinanced, the representative who came to our home informed us that there would be no payment required for the first month, and mentioned something about pre-made checks to send once certain additional steps were completed before regular mortgage payments would resume. Based on this information, we had no reason to believe that a payment would be due for that first month. 
On XX/XX/XXXX, we received our first new account statement also dated XX/XX/XXXX showing two months of payments due along with a late fee. This was the first notice we received indicating that any payment was due. I immediately called their office to clarify, and the representative I spoke with confirmed that the late fee could not be waived but stated it did not have to be paid immediately as it would roll over until the end of the loan. ( Please refer to the recording of this phone call for verification. ) Despite this, I paid the full amount due, including the late fee, on the same day. Bank records and phone call logs can confirm this. 
This morning, I was shocked to discover that a late payment had been reported to the credit bureaus. In all my history with with every other creditor I have never had a late payment. This was the very first bill after a refinance, and the late payment resulted entirely from misinformation provided by your representative. 
We are formally requesting that a review for this matter in full, including : 1 ) The verbal information given by your representative at the refinance signing.

2 ) The recording of my follow-up representative 3 ) The received timing of the paper XX/XX/XXXX bill and payment. 
Given the circumstances, we request the immediate removal of the late payment report from our credit file. This was a result of miscommunication on the companys part and not a failure to pay on our part. 

Attached is the copy of the only bill we received and it arrived in the mail on XXXX XX/XX/XXXX. 

Sincerely, 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 2025-08-08 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 respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent.

NEGATIVE MARK / ACCOUNT NUMBER XXXX XXXX XXXXXX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are severely impacting me, causing ongoing harm that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would not only be necessary but also a tremendous relief.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute the validity of these accounts, as I did not authorize them. As required by USC 1681g, I request their prompt deletion within 15 days. Documents are attached.

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 2025-08-08 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: MD

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 2025-08-08 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: GA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 2025-08-08 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: OH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Response to Citibanks

Communication Regarding Fraud Recovery Request for Immediate Review and Action Dear Sir/Madam, I am writing in response to Citibanks recent communication regarding my fraud claim.

While I acknowledge that Citibank has recovered the funds from the fraudulent transfer, their proposed solution is entirely unacceptable. I have been informed that, due to the incident, my two accounts ending in XXXX and XXXX have been blocked to prevent unauthorized activity, and that in order to recover my funds, I must open a new account by calling a phone number provided by the bank. 

This request is completely unfeasible for me, as I currently reside in XXXX and it is impossible to open a new Citibank account from abroad. As a non-U.S. resident without a Social Security Number, I am unable to open an account either online or by phone. Citibanks requirement places me in a position where I am unable to access my own funds, despite the fraud having been resolved.

Therefore, I respectfully request that the restrictions on my existing accounts ( ending in XXXX and XXXX ) be lifted, so that I may initiate a transfer and recover my funds. This ongoing restriction is causing severe financial harm and disruption to my personal needs.

Additionally, I would like to emphasize that I hold an International Personal Banking ( IPB ) account with Citibank, which, while currently restricted, remains open. It could be used to transfer the funds from the blocked domestic account, providing an immediate and effective resolution. 

I also wish to file a formal complaint regarding Citibanks telephone support, particularly the Fraud Department. Over the past few weeks, I have made seven separate calls from XXXX, with an average hold time of over 75 minutes. My most recent call lasted 1 hour and 38 minutes, which is representative of the extremely poor service Ive experienced throughout this process.

Given the unreasonable obstacles Citibank has imposed, the damage caused by the continued restriction of my accounts, and the lack of viable support options, I urge the CFPB to review this matter immediately and help facilitate a practical solution that allows me to access my recovered funds.

Sincerely,

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