vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing a formal complaint regarding a serious violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX separate debt collection agencies XXXX XXXX XXXX XXXX XXXX and IQ Data International are both reporting the exact same rental debt on my credit report and are each claiming to be the legal owner of the debt. 

I personally contacted both agencies by phone, and both stated they currently own the debt and demanded payment through their company, despite it being clearly impossible for XXXX agencies to legally collect the same debt at the same time. This is a deceptive, misleading practice and constitutes false representation. 

This duplicate reporting is damaging my credit and causing confusion regarding who is the lawful party in this matter. To date, neither company has provided sufficient written validation or proof of assignment, and I have reason to believe at least XXXX agency is falsely reporting and attempting to collect on a debt it does not legally own. 

I am fully aware of my rights under federal law, and I am requesting immediate action to investigate this matter, remove the inaccurate or fraudulent account, and ensure compliance moving forward. If this is not resolved promptly, I will consider escalating further through legal channels and reporting both agencies to additional regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : 1. XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis continues to report bankruptcy deleted by XXXX  verified through PACER, not the court. 
LexisNexis is reporting a bankruptcy that is no longer listed on my XXXX  credit report. XXXX  has removed the bankruptcy from my file without me having submitted a direct dispute. This clearly proves that the item is not verifiable. 
LexisNexis, however, continues to report this public record. I have sent multiple dispute letters, a formal cease-and-desist, and a legal warning notice, all of which have been ignored or received inadequate responses. 
LexisNexis has stated they verify bankruptcies using PACER, which is not a court and not an original source. The FCRA requires information to be accurate and verifiable with the actual source in this case, the court where the bankruptcy was filed. 
LexisNexis is in willful violation of the FCRA by continuing to report an unverified and unsubstantiated record. This is causing ongoing harm to my credit reputation and financial opportunities. 
I am requesting that the CFPB force LexisNexis to permanently delete this unverifiable bankruptcy from my report, and that this matter be reviewed for willful noncompliance and possible legal consequences. 
I am attaching screenshots proving the removal of the bankruptcy from XXXX  and my dispute history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-29 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: MD

Complaint narrative:
I am writing to formally file a complaint against Spring Oaks Capital , LLC for failing to uphold a pay-for-delete agreement and for inaccurately reporting debt information to the credit bureaus, which is negatively impacting my credit score. 

In 2025, I reached a settlement agreement with Spring Oaks Capital , LLC for less than the full balance owed on an account they were collecting on. As part of the settlement, they agreed to a pay-for-delete arrangement, in which they would remove the account from all XXXX  credit reporting agenciesXXXX XXXX, and XXXXupon receiving the agreed-upon payment. 

Despite fulfilling my end of the agreement and making the full payment, the account is still being reported as unpaid/derogatory, in direct violation of our agreement. This inaccurate reporting is harming my credit score and standing. 

I am requesting the following actions from Spring Oaks Capital , LLC : Immediate removal of the negative account reporting from all three major credit bureaus ( XXXX XXXX and XXXX  ), in accordance with the pay-for-delete agreement. 

A complete and itemized record of all payments received, the original contract, debt validation documents, and a copy of all communications between myself and Spring Oaks Capital , LLC within the past 90 days. 

A formal written response confirming that the account has been corrected and/or deleted from the credit bureaus. 

I also want to bring attention to Marylands debt collection laws, specifically the Maryland Consumer Debt Collection Act ( MCDCA ), Md. Code Ann., Com. Law 14-201 et seq., which prohibits debt collectors from using methods that are fraudulent, deceptive, or misleading. Additionally, under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are legally obligated to report accurate information to credit bureaus. By continuing to report this account as unpaid despite the settlement agreement, Spring Oaks Capital may be in violation of both federal and Maryland state law. 

Please investigate this matter and compel Spring Oaks Capital , LLC to fulfill their obligations under both the settlement agreement and the law. I am attaching supporting documentation including proof of payment and any relevant correspondence. 

Thank you for your time and assistance. I look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed that my vehicle lease from XXXX XXXXXXXX XXXX does not appear on any of my credit reports. On XX/XX/XXXX, I contacted XXXX and they said they have been reporting it and asked me to file a dispute with the credit agencies. I tried to file a dispute, however, there is no way to file a dispute when the account doesn't appear on the report. I have had this account since XX/XX/2023 and it has never appeared on my report. I would like my credit report to accurately reflect this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed that my vehicle lease from XXXX XXXXXXXX XXXX does not appear on any of my credit reports. On XX/XX/XXXX, I contacted XXXX and they said they have been reporting it and asked me to file a dispute with the credit agencies. I tried to file a dispute, however, there is no way to file a dispute when the account doesn't appear on the report. I have had this account since XX/XX/year> and it has never appeared on my report. I would like my credit report to accurately reflect this account.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed that my vehicle lease from XXXX XXXXXXXX XXXX does not appear on any of my credit reports. On XX/XX/XXXX, I contacted XXXX and they said they have been reporting it and asked me to file a dispute with the credit agencies. I tried to file a dispute, however, there is no way to file a dispute when the account doesn't appear on the report. I have had this account since XX/XX/year> and it has never appeared on my report. I would like my credit report to accurately reflect this account.

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 2025-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to NCB Management Services via email regarding an alleged {$9500.00} collection account related to a closed XXXX XXXX auto loan. I requested validation under the Fair Debt Collection Practices Act ( FDCPA ), including a copy of the original signed agreement, full itemized breakdown, proof of assignment, and confirmation of accurate credit reporting. 

As of today, I have received no response and no documentation. NCB is continuing to report this debt to one or more credit bureaus without providing validation. I never signed or agreed to any terms with NCB, and I did not authorize my information to be sold or transferred. 

This is a violation of the FDCPA and FCRA. I am requesting the CFPB intervene and require NCB to delete this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$3700.00} XXXX XXXX XX/XX/XXXX - {$6500.00} XXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX  - XX/XX/XXXX - {$190.00} Inquiries : XXXX  - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2025-06-29 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$3700.00} XXXX XXXX XX/XX/XXXX - {$6500.00} XXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX  - XX/XX/XXXX - {$190.00} Inquiries : XXXX  - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2025-06-29 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief