vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XX/XX/year> SPRINGOAKCAP Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Account number : XXXX Subject : Debt Validation Request Dispute of Debt Dear [ Debt Collector 's Name or To Whom It May Concern ], I am writing in response to a collection notice I received regarding an alleged debt with the account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am requesting validation of this debt. 
Specifically, I dispute the amount being claimed and the reported open date of this account. I do not acknowledge ownership of this debt and am requesting that you provide the following documentation to verify its validity : XXXX. The name and address of the original creditor. 
XXXX. A copy of the last billing statement from the original creditor, showing the amount due and the date it was due. 
XXXX. A complete payment history, including all interest, fees, and other charges added. 
XXXX. A copy of the signed agreement or contract that gives you the authority to collect this debt. 
XXXX. Proof that you are legally authorized to collect debts in my state. 
Until this information is provided, I request that you cease all collection efforts and remove any related entries from my credit reports. If you are unable to provide sufficient validation, you are required by law to delete this account and cease all further contact. 
Please consider this letter a formal dispute of the alleged debt. I request that all future communications be made in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal notice and final demand that you immediately remove the unverified account from my credit report, listed under XXXX XXXXXXXX XXXXXXXX XXXX XXXX 
I initially disputed this account on XX/XX/year>, requesting validation and verification as required by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). You had 30 days to fully verify the accuracy of the reported information. Simply regurgitating information from the furnisher without obtaining underlying contractual evidence is not verification. Under both federal consumer law and contract law principles, a debt is not valid unless you can provide evidence of a signed, executed agreement between the alleged debtor and creditor, detailing terms and obligations. 
You failed to meet this standard. You did not provide : A signed contract bearing my name and signature An itemized accounting of the alleged debt Evidence of chain of custody if the debt was sold or transferred Without these elements, there is no legal basis to report this debt. Any continued reporting constitutes reckless disregard of my rights under FCRA 1681i and 1681s-2, as well as a potential violation of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for deceptive and unfair reporting practices. 
Further, under basic principles of contract law, no obligation can be imposed on a consumer unless there is proof of an agreement and consent. You have provided none. Therefore, the inclusion of this alleged debt on my credit report is not only erroneous, it is unlawful. 
I demand that this unverifiable and unproven debt be immediately and permanently deleted from all consumer reports you maintain under my name and Social Security number. This is your final opportunity to correct the error before I file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals office In addition, I am preparing to pursue legal action against your agency for actual and statutory damages, pursuant to FCRA 616 and 617, should you continue to report unverifiable and defamatory information.

I expect written confirmation of deletion within 15 calendar days of receipt of this letter. Your failure to comply will be documented as further evidence of willful noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I noticed several inaccuracies on an account being furnished onto 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 non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data XXXX/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to ensure that all the information being reported about me is accurate and up to date, especially as I prepare for future rental applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
SUMMARY OF DISPUTES AND METRO 2 COMPLIANCE VIOLATIONS EXPERIAN IS REPORTING ON MY CONSUMER FILE.

NATIONAL CREDIT SYSTEM REPORTING IDENTICAL COLLECTION DATA ACROSS ALL THREE BUREAUS WITH INCONSISTENT PAYMENT STATUSES AND REPORT DATES. NO DATE OF FIRST DELINQUENCY ( DOFD ) IS PROVIDED. METRO 2 REQUIRES CONSISTENCY AND COMPLETE BASE SEGMENT REPORTING. 

XXXX XXXX BANK XXXX ( XXXX ) REPORTS A PAST DUE BALANCE ON A CLOSED ACCOUNT, WHICH IS A VIOLATION OF METRO 2 STANDARDS THAT REQUIRE CLOSED ACCOUNTS TO SHOW A {$0.00} PAST DUE. 

PORTFOLIO RECOVERY ASSOCIATES ACCOUNT SHOWS OPEN STATUS WITHOUT MONTHLY PAYMENT DETAILS AND MISSING DOFD. METRO 2 REQUIRES THIS INFORMATION FOR COLLECTION AND CHARGE-OFF ACCOUNTS. 

XXXX REPORTED A CHARGE-OFF WITHOUT DOFD OR CONSISTENT STATUS CODING. CHARGE-OFF ACCOUNTS MUST FOLLOW METRO 2 BASE SEGMENT RULES. 

XXXX XXXX BANK REPORTS DELINQUENCIES IN A SEQUENCE THAT IS INCONSISTENT WITH PAYMENT HISTORY. THIS VIOLATES THE CONSUMER INFORMATION INDICATOR ( FIELD XXXX ) UNDER METRO 2. 

XXXX XXXX XXXX INCONSISTENT DATE OF LAST ACTIVITY AND MISSING DOFD. THE ACCOUNT IS LISTED AS A CHARGE-OFF WITHOUT A VALID CLOSURE STATUS. 

XXXX XXXX XXXX ILLEGALLY RE-AGED THE DEBT BY RESETTING DATE LAST ACTIVE WITHOUT NEW PAYMENT ACTIVITY, WHICH IS A DIRECT VIOLATION OF METRO 2 AND FCRA 623 ( A ) ( 5 ). 

XXXX CLOSED ACCOUNT IS REPORTING A BALANCE AND PAST DUE AMOUNT. CLOSED ACCOUNTS MUST REPORT {$0.00} BALANCE AND {$0.00} PAST DUE UNDER METRO 2 STANDARDS. 

XXXX XXXX XXXX XXXX NO DOFD PROVIDED AND COLLECTION BALANCE IS BEING REPORTED AS DISPUTED WITHOUT COMPLIANCE FOLLOW-UP. THIS VIOLATES FCRA 611 AND METRO 2 DISPUTE REPORTING RULES. 

XXXX XXXX XXXX DUPLICATE ACCOUNT REPORTING FOR THE SAME ORIGINAL CREDITOR UNDER DIFFERENT ACCOUNT NUMBERS. INCONSISTENT DATES, BALANCES, AND STATUS FIELDS VIOLATE THE REQUIREMENT FOR MAXIMUM POSSIBLE ACCURACY. 

ACTION REQUESTED : IMMEDIATELY DELETE OR CORRECT THE ABOVE-MENTIONED ACCOUNTS. 

PROVIDE FULL DOCUMENTATION INCLUDING : PROOF OF DEBT VALIDATION DATE OF FIRST DELINQUENCY ( DOFD ) ACCOUNT VERIFICATION CHARGE-OFF OR COLLECTION NOTICES XXXXDAY PRIOR COMMUNICATION RECORDS REQUIRED UNDER 15 U.S.C. XXXX AND XXXX IF THESE ACCOUNTS ARE NOT CORRECTED OR DELETED WITHIN XXXX DAYS, I WILL FILE COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE MARYLAND ATTORNEY GENERAL, AND CONSIDER LEGAL ACTION FOR WILLFUL NONCOMPLIANCE AND DAMAGE TO MY CREDITWORTHINESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

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 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter is a formal notice and final demand that you immediately remove the unverified account from my credit report, listed under XXXX XXXXXXXX XXXXXXXX XXXX XXXX 
I initially disputed this account on XX/XX/year>, requesting validation and verification as required by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). You had 30 days to fully verify the accuracy of the reported information. Simply regurgitating information from the furnisher without obtaining underlying contractual evidence is not verification. Under both federal consumer law and contract law principles, a debt is not valid unless you can provide evidence of a signed, executed agreement between the alleged debtor and creditor, detailing terms and obligations. 
You failed to meet this standard. You did not provide : A signed contract bearing my name and signature An itemized accounting of the alleged debt Evidence of chain of custody if the debt was sold or transferred Without these elements, there is no legal basis to report this debt. Any continued reporting constitutes reckless disregard of my rights under FCRA 1681i and 1681s-2, as well as a potential violation of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for deceptive and unfair reporting practices. 
Further, under basic principles of contract law, no obligation can be imposed on a consumer unless there is proof of an agreement and consent. You have provided none. Therefore, the inclusion of this alleged debt on my credit report is not only erroneous, it is unlawful. 
I demand that this unverifiable and unproven debt be immediately and permanently deleted from all consumer reports you maintain under my name and Social Security number. This is your final opportunity to correct the error before I file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals office In addition, I am preparing to pursue legal action against your agency for actual and statutory damages, pursuant to FCRA 616 and 617, should you continue to report unverifiable and defamatory information.

I expect written confirmation of deletion within 15 calendar days of receipt of this letter. Your failure to comply will be documented as further evidence of willful noncompliance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensureaccuracy. 
here is the item i am asking you to verify XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensureaccuracy. 
here is the item i am asking you to verify XXXX XXXX account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX Creditor Name : XXXX  XXXX funding Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
DATA BREACH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian INFORMATION SOLUTIONS INC XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I am a victim of identity theft and that certain accounts and information appearing on my credit report are the result of fraudulent activity. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request that Equifax block and delete all information that is the result of this identity theft. 
As per the requirements under the law, I am providing the following documentation : XXXX. A copy of my government-issued photo identification. 
XXXX. A copy of a recent utility bill or other proof of my current address. 
XXXX. A copy of the Identity Theft Report I have filed with law enforcement. 
XXXX. A statement identifying the fraudulent accounts and confirming that they were not opened or authorized by me. 
Please block and remove any accounts or inquiries that are a result of this identity theft from my credit file immediately. I trust that you will handle this request in compliance with federal law and provide written confirmation once the fraudulent data has been removed. 
If you require additional information to process my request, please contact me in writing at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 

FTC Reporting Number : XXXX INQUIRIES : XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}

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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
I asked through a debt lawyer to have the hugely increased pay-off amount to be reduced. They simply denied it, then came back with an exorbitant pay-off amount.

Company response to consumer: Closed with explanation