vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} XXXX  XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1500.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX  XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$480.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> I noticed 2 transactions with XXXX from XXXX XXXX. One transaction was for {$960.00} that was taken directly from my bank account. The second transaction was {$990.00} that was taken directly from paypal credit. I reported both of these transactions immediately directly to paypal and my bank. XXXX reversed the {$990.00} and my bank conducted an investigation where they found the {$960.00} fraudulent and reversed the payment. I have shown attachements of the bank statements of the purchase and the reversed charge with my bank. On XX/XX/XXXX, XXXX sided with the seller stating that the transaction was authorized. XXXX stated that the seller sent me emails with tracking information along with other communication via email. The email I have associated with XXXX is XXXX. I have sent you documents of all the emails I have gotten from XXXX and they do not match what XXXX has as far as email communication has been given. The email also states that it was for Games and Services. I am not sure what this is nor do I know what this purchase all entails. There is not enough information other than Games and Services regarding this purchase. I filed an appeal for a charge back stating that I never received any email from XXXX with tracking nor have I received any package, no information whatsoever. What I have given you is all that I have in my email from XXXX. I have it in all folders which includes, inbox, spam, sent and trash. I did not send XXXX any email nor have I received anything after XX/XX/XXXX. I need to see these emails that I supposedly sent that are on XXXX XXXX Case timeline.

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 2025-12-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am formally disputing a debt reported by Santander Consumer USA. The company sent me a notice claiming I owe {$9700.00} which does not match my records on my credit report. 
One account closed in XX/XX/XXXX shows {$17000.00} .. 00 Another account closed in XX/XX/XXXX shows {$16000.00}. 

Additionally, due to their false reporting, my credit report now shows two duplicate accounts, making it appear as though I currently have two cars being repossessed, which is completely inaccurate. 

In the letter, I am attaching the repo company Santander Consumer USA wrote : The money we get from the sale ( after paying our costs ) will reduce the amount you owe. This statement indicates that the amount owed is contingent on the sale of the vehicle, so it is premature and inaccurate to report any balances, especially duplicates, before the sale proceeds are applied. 


I have attempted to resolve this directly with the company : I requested that they repossess the vehicle over a year ago when I moved out of state ; they refused and then ceased communication regarding the repossession. 
They contacted my mother, the co-signer, and negotiated a payment plan contingent on her calling before XX/XX/XXXX, which she did. 
There was an agreed {$10000.00} settlement ( {$5000.00} down, remainder in payments ), yet no confirmation letter was sent. 
I have already sent a debt validation letter formally disputing this debt and the multiple accounts open on my account. 
They should also have a record of any phone calls regarding this account, including recordings about the payment plan, which I request be reviewed. 
The issue is their refusal to repossess, stop communicating, and inaccurately report the debt. I provided my address, and my car was left in the driveway unlocked with the keys. 




My Rights Under Federal Law Include : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) Right to request validation of a debt ; collectors can not continue collection without proper verification.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Right to dispute inaccurate credit reporting and have it corrected.

Right to dispute inaccurate reporting Debt collectors and credit bureaus must investigate disputes and can not report inaccurate balances or duplicate accounts while a debt is disputed or contingent.

Right to written validation You can require the collector to provide documentation proving the debt is legally owed. 
Right to request communication records Phone call documentation must be preserved and can be used as evidence in a dispute. 


This treatment is unfair, misleading, and potentially unlawful. I am requesting that the CFPB take immediate action to investigate and ensure full correction of my credit reporting, removal of duplicate accounts, and verification of the alleged debt until sale proceeds are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
A phone was purchased by someone I was previously in a relationship with without my consent or knowledge and the debt was unpaid resulting in negative marks on my credit report. I would like for this debt to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-12-03 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because an account on my credit report is being reported inaccurately, and it is causing me serious financial hardship. I have always tried to be responsible with my credit, and having an accurate credit report is extremely important to me. My credit score affects every part of my life from being able to qualify for reliable transportation, to securing stable housing, and even being approved for basic necessities.

Equifax failing to follow reasonable procedures to assure maximum possible accuracy of my credit information and my credit report. This account has errors and missing incomplete information that makes this account reporting inaccurate under FCRA law.

I exercise my legal right 15 U.S. Code 1681i to dispute this errored account. This account has errors and missing incomplete information that makes this account reporting inaccurately under FCRA law. Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA states you must update or DELETE inaccurate, incomplete or unverifiable information.

I am asking for the CFPB to be involved in this process because this creditor has already failed to conduct a reasonable investigation into a consumer dispute. 

Equifax shall delete this inaccurate account because it violates my rights under FCRA law. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Original Balance : {$35000.00} - Missing Account Information - Inconsistent and Illogical Delinquency Progression in Payment History. 
- Your agency os only showing negative marks in my credit report. 
- The payment history from XX/XX/XXXX until XX/XX/XXXX is MISSING. 

I attached all the specific account information I am disputing in this account for your reference. 

Thank you for your time and urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i am requesting this debt to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurately reported and need to be reviewed for correction. 

CHARGED OFF : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX LATE PAYMENT : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington mortgage charged us over {$40000.00} in mortgage payments when the loan was transferred to Carrington from XXXX and that was incorrect. We paid it when the rep said it was in foreclosure and we had to pay it first to dispute. 

Then the regular loan amount was incorrect, at around $ XXXX when the promissory note we signed was XXXX XXXXXXXX. I called in to fix this and was told by the rep that they can't see the loan docs yet ( this was 2 weeks after loan transfer ) and I had to wait. They said not to worry, I had a 60 day grace period where no default interest would be applied. 

Then I called again, and I was told to FAX the loan docs to the research department, which is strange since they have the loan documents as they are the loan servicer. 

Then when I faxed, I was hit with a XXXX XXXX bill for the overdue mortgage, which is contradictory to the rep telling me there is a grace period. 

Also, they ran my credit without a credit authorization form on file and also put the mortgage on my personal credit history which made me have to go and remove it by calling all 3 credit bureaus. This caused me a lot of extra time as well as money, since I got rejected by other mortgage companies due to a XXXX XXXXXXXX expense on my liabilities schedule. 

Finally, they have sent sensitive financial information to my addresses that are NOT on file as the official mailing address for the property, thus costing me money to send people to retrieve sensitive mail before airbnb guests arrived or the buyer of my old house arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am writing to dispute certain accounts on my credit report as provided by the credit bureaus. Below are the details of the accounts I am disputing : XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX, {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required bylaw on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required bylaw on my consumer 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