vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: WI

Complaint narrative:
There is a fraudulent account on my credit report from XXXX XXXX XXXX for {$1600.00}.

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 2025-07-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: UT

Complaint narrative:
I signed up with National Debt Relief to pay off some debt. I had been paying off on the negotiated settlements. Then they set me up with a loan through XXXX XXXX. This was to pay off all of my creditors. The only creditor that would not work with them was XXXX and XXXX. I had a credit card with them. They supposedly negotiated to pay off the settlement for {$3600.00}. But somehow that was not agreed or accepted by XXXXXXXX XXXX XXXXXXXX and they have sold the collection to a 3rd party. I am currently paying on a loan from XXXX XXXX, that is part of the amount I now owe them. XXXX says they paid out the money to National Debt Relief to pay out XXXX XXXX XXXX. National Debt Relief is not telling me where that amount went. They were still reviewing the matter. It has been exactly 1 month ago today. And have not emailed me back with any updates like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$2500.00} To Whom It May Concern, This letter is a formal dispute and demand for complete legal validation of the above-referenced account currently being reported and/or collected by Spring Oaks Capital , LLC XXXX I, XXXX XXXX XXXX, do not acknowledge or accept liability for this alleged debt. Until full legal validation is provided, you are required to immediately cease all collection activity and credit reporting. 

As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am demanding the following documentation : The Original Signed Contract bearing my wet signature, showing I entered into a binding agreement for the alleged debt. 
A Binding Agreement outlining the specific terms and the amount being claimed, with evidence of my consent to any assignment or third-party collection. 
A Complete Account Ledger or Flow Sheet that includes all activity ( charges, interest, fees, payments ) from account origination to present.

Proof of Legal Ownership, including chain of assignment from the original creditor to Spring Oaks Capital, showing your authority to collect.

Evidence this account is not past the Statute of Limitations in Illinois, including date of last activity and your calculation of the limitations period.

Proof of Licensing that Spring Oaks Capital is authorized and bonded to collect debts in the state of Illinois, with license number and issuing agency. 
The name, department, and contact details of the individual who verified this debt with any credit bureau. 
A signed affidavit confirming that XXXX or any other automated dispute system was NOT used in response to any prior dispute, as this would violate my rights under the FCRA. 
Let this serve as your final legal notice. A summary, bill, or system printout is not legal validation. If you can not provide all of the documentation above within XXXX calendar days, you must : Immediately remove this account from all consumer credit reports ( Equifax, TransUnion, Experian ) Cease all further collection efforts and contact Failure to comply will result in : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General Immediate pursuit of civil litigation for statutory damages under the FDCPA, FCRA, and UCC I reserve all rights under UCC 1-308 without prejudice. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX : not reporter Partial act number : XXXX Address id : XXXX Closed Date open : XX/XX/XXXX Experian XXXX XXXX XXXX : XXXX as of XX/XX/XXXX Partial acct : XXXX Address id : XXXX Closed Date open : XX/XX/XXXX Experian XXXX XXXX Balance : XXXX as of XX/XX/XXXX Partial acct : XXXX Address id : XXXX Closed Date open : XX/XX/XXXXXXXX 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 2025-07-25 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: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX : not reporter Partial act number : XXXX Address id : XXXX Closed Date open : XX/XX/XXXX Experian XXXX XXXX XXXX : XXXX as of XX/XX/XXXX Partial acct : XXXX Address id : XXXX Closed Date open : XX/XX/XXXX Experian XXXX XXXX Balance : XXXX as of XX/XX/XXXX Partial acct : XXXX Address id : XXXX Closed Date open : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing concerning the requirements that XXXX and XXXX have imposed on companies like XXXX, XXXX, and XXXX to limit their ability to do business with consumers based on those latter companies support for XXXX authors, creators, and publishers. XXXX and XXXX have required these companies to curtail their lawful business activities because XXXX and XXXX find their lawful exercise of first amendment speech distasteful. 

Payment processors constitute an illegal monopoly, and they should not be able to leverage their monopoly powers to become private arbiters of what kinds of business companies may transact on the basis of ideology that is unlawfully rooted purely in religious hate/bias.

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 2025-07-25 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: MD

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If any item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

Please remove the following items from my credit report immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exists.

2. XXXX XXXX XXXX ( Closed Account ) Creditor Type : Unsecured Installment Loan Account Status : Closed 90 days past due Original Balance : {$12.00} Date Opened : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, NV XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX ( Closed Account ) Creditor Type : Unsecured Loan Account Status : Closed 30 and 60 days late payments Original Balance : {$10000.00} Date Opened : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( 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 2025-07-25 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: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
Was informed of some unauthorized transfers and transactions by my bank statement. Had sent several doc 's of proof in. I was incarcerated in XX/XX/XXXX and bank had recognized the issue and had credited me for XXXX And XXXX of XXXX. I had filed a grievance and it was Approved. Changed my card. After requesting statements after I got out in XXXX XXXX the bank had gave me the run around about documents. The statements finally, after contacting them several times and finally the regional offices with my grievances did I get them to provide my proof of almost 6 months of withdrawals that I was unaware of. The name of the person 's and the accounts they had used were on the documents that I received. Fraudulent and unauthorized right under my nose. I was late filing a claim because of 2 reasons, 1, was because I was out of contact in prison, unable to file complaints and see issue through and 2 was because the bank had delayed my request several times because my account was closed for no activity for so long. After complaints were filed with bank and regional offices, I found out about the cash app settlement and missed deadlines unknowingly. I have received a letter from bank that confirms my claims but because it had been more than 2 years they were unable to consider my request as to the fraud activity. I don't understand how my documents and the proof I had sent and letters of confirmation of unauthorized activities that my claims to the issue was denied. Considering an attorney for a much more indepth lawsuit. Noted that this isn't a major problem considering. It's just the whole issue is not any of my fault. And simply wish to be heard. As it is exactly what the lawsuit settlement is about. Also I should had received a letter of eligibility, with a Conformation code that would have been provided if I was considered. Was told that I wouldn't need to do anything especially to file a complaint but here I am and here is my complaint again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MS

Complaint narrative:
I am submitting this complaint regarding several inaccurate and potentially unverifiable items being reported on my [ Experian/Equifax/TransUnion ] credit report . Despite my attempts to dispute these directly with the credit bureau, the items remain unresolved and continue to negatively affect my credit profile. 

XXXX XXXX XXXX is reporting a collection originally from XXXX XXXX XXXX. I requested validation, but proper documentation has not been provided. 

XXXX XXXX XXXX is reporting two separate collectionsone from XXXX  XXXX and one from XXXX XXXX XXXX. These accounts may be duplicates or misreported. Ive requested verification, but the reporting appears inconsistent or incomplete. 
XXXX XXXX XXXX is reporting a collection from XXXX XXXX. I do not recognize this account and have not received verification upon request. 

XXXX XXXX is reporting a charged-off account with an inflated balance and multiple delinquencies. I believe this is either outdated or inaccurately reported. 

XXXX XXXX XXXX  has two charge-off accounts reported with long-term delinquencies and inaccurate past due balances. I do not believe these accounts are being reported accurately. 

XXXX XXXX XXXX is reporting a charge-off on an auto loan account that I believe may be inaccurate in balance and status. There is a significant discrepancy in what is being reported. 

Dept. of Education / XXXX is reporting multiple late payments on student loans, including during periods where I believe deferment or forbearance was active. These may have been misclassified and should not be harming my credit. 

Additional late payments from XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are also reflected inaccurately, possibly stemming from reporting or communication issues during hardship periods. 

I have attached a letter outlining each account and my dispute in detail, as well as proof of identity and current address. I am requesting a full investigation into each item and removal of any that can not be verified under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I contacted XXXX XXXX when I received the statements showing how much the XXXX was I sent them a copy of Arkansas law. They emailed me back saying they were following the law and I emailed back again showing proof they were in fact not. I ask them to please restructure the loan to the Arkansas user law of 17 %. They told me they didn't have to. I have emailed multiple times asking for confirmation and no contact back. XXXX XXXX uses XXXX/CNG Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX For the actual lending bank. XXXX loans are a rent a bank scheme to circumvent state laws that protect consumers from high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Midland Credit Management , Inc XXXX 
P.O. XXXX XXXX XXXX, MI XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$350.00} To Whom It May Concern, This correspondence is a formal dispute and demand for full legal validation of the alleged debt referenced above. I, XXXX XXXX XXXX, do not acknowledge this account as valid and demand that all collection activity and credit reporting associated with this account be immediately ceased pending full and proper validation. 

Under the authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, you are legally obligated to provide the following : The Original Signed Contract with my wet signature showing a lawful obligation to repay the debt. 
A Binding Agreement that confirms the amount claimed and my consent to any assignment or sale of the debt. 
A Complete Account Flow Sheet or transaction ledger reflecting all account activity, interest, fees, and payments from origination to charge-off or sale. 
Proof of Legal Ownership, including full documentation of the assignment or purchase agreement from the original creditor to Midland Credit Management , Inc. 
Proof that this account is not time-barred under the Illinois Statute of Limitations, including evidence of last activity and detailed aging. 
Verification that your agency is licensed and bonded to collect debts in the state of Illinois, including your license number and issuing authority. 
The name and credentials of the individual who verified this account with any credit reporting agency. 
A signed affidavit confirming that XXXX or any automated dispute system was not used in violation of the FCRAs proper reinvestigation process. 
Let me be clear : A billing statement or summary is not validation. You are attempting to collect on an account you can not legally prove belongs to me. 

Failure to provide the documentation above within XXXX calendar days of receipt of this letter will result in the following : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reporting to the Federal Trade Commission ( FTC ) and the Illinois Attorney Generals Office Civil litigation to pursue statutory damages for each violation under the FDCPA, FCRA, and UCC This is your final legal notice. I am invoking my rights under UCC 1-308 and do not waive any protections. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
I sold my home on XX/XX/year>, at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the release of the mortgage with recorded release of the lien from XXXX XXXX XXXX XXXX, XXXX dated XX/XX/year>, postmarked XX/XX/year>. 

My XXXX mortgage statement showed an escrow balance. I contacted XXXX XXXX XXXX XXXX, XXXX on XX/XX/year>, regarding the escrow payment due to me. They stated it was mailed and to wait XXXX days. I question waiting the 30 days because I received the release of the XXXX signed on XX/XX/XXXX in the mail by XX/XX/year>. 
According to the Real Estate Settlement Procedures Act, 1024.17 ( k ), a servicer shall return to the borrower any amounts remaining in an escrow account with 20 days. I am requesting assistance with this matter. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation 3. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion.

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX/Principal WITHOUT RECOURSE

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