vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Subject : Formal Dispute of Debt Collection and Request for Deletion from Credit Report Dear Sir/Madam , I am writing to formally dispute a debt collection listed on my credit report by [ SPRINGOAKCAP XXXX ]. I assert that I do not owe the debt, and I request that this account be fully investigated, verified, and ultimately removed from my credit file. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the debt and the right to collect it. Debt collectors are legally required to provide documentation that substantiates their claim. This documentation should include, but is not limited to : 1. Forward Flow Agreement This agreement must demonstrate the assignment of the debt to the collector, establishing their legal right to collect on it.

2. Chain of Assignment Purchase Agreement The collector must provide a clear chain of custody for the debt to show that it has been transferred or sold to them from the original creditor.

3. Insurance Claim of Debt If applicable, the collector must provide any proof of an insurance claim or payout related to the debt, validating their claim to be the rightful creditor.

4. Your Signature Agreeing to Pay I request proof of my signature or any binding agreement that supports the collection of this debt. 
If the collection company can not provide this proof, I am entitled under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) to have the debt removed from my credit report. Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ), the credit reporting agencies are required to investigate and delete any information that can not be verified as accurate or legitimate.

I am also invoking my rights under Regulation F ( 12 CFR 1006.34 ), which mandates debt collectors to validate the debt and provide the necessary proof upon request. The failure to provide such proof within 30 days constitutes a violation of my rights, and I demand that the collection account be removed from my credit report and that no further collection efforts occur without proper validation. 

If this debt can not be properly verified, it must be removed immediately from my credit report. I expect full compliance with the above-mentioned laws and request that the CFPB intervene on my behalf to ensure that this collection account is deleted from my credit record and that my rights are upheld. 

Please confirm receipt of this letter and update me on the status of your investigation as required by law. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Data breach reporting wrong information and even information about where I live still sitting on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX : {$4700.00}, XXXX XXXX XXXX XXXX : {$9000.00},XX/XX/XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: WA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and rent of these items. As it is incorrect and does not reflect my true credit history. XXXX Account # XXXX XXXX XXXX account # XXXX XXXX XXXX Account # 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 2025-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXXXXXX  XXXX/XXXX/2025

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 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I noticed XXXX points dropped from credit score and noticed a collection debt. I reaches out to my bank and informed about my credit score and the credit agency that does my credit report with my bank. I was advised to dispute it. XX/XX/XXXX I filed a dispute in regards to the collection debt. I contacted the collection debts early XXXX morning and the agent was disrespectful and kept hassling to make a settlement. I informed the agent I don't acknowledge the debt or bill date date of service on XXXX the agent told me my credit score will keep dropping along as the debt is still there and I should pay the settlement that same day of communication. I then received a call from the collection debtors XX/XX/XXXX after the debt again. And I requested the original creditor information regarding the bill/debt. Once again I informed the agent that I don't acknowledge the bill never received a mail of a bill in XXXX. Informed the again the mailing address is not mines. Last name was not mines. I informed the agent that I put in dispute foe this collection debt. I then asked for the original creditor phone number. I then called the original creditor and was informed there's no records with my name and that don't know who the collection debt were. The collection company I gave to the original creditor couldn't find the collection debtors in there system. I was informed to call the collection debts back and I explained to the original creditor that there hassling me to pay this debt today XX/XX/XXXX. So I was informed that I will be contacted back by the original creditor asap so they could look into the debt or get more information. But there was nothing with my name about debt from XXXX. Once again I don't acknowledge the bill or debt and the information on the letter sent from collection debt through email has inaccurate information with name and address ... {$1000.00} is the collection debt...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the reporting of incorrect information without proper validation violates 15 U.S.C. 1692e ( 8 ) ( failure to notify credit reporting agencies of a dispute ). Per 15 U.S.C. 1681n and 1681o, willful or negligent noncompliance may result in legal action. Please remove or correct these inaccuracies immediately to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-03-01 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:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly witXXXX XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXXXXXX XXXX is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your attention to this matter.

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 2025-03-01 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: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly witXXXX XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXXXXXX XXXX is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your attention to this matter.

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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
I received a call middle of XX/XX/year> from Williams & Fudge, the lady on the other end was looking for me, but used my maiden name. I asked her what this was in regards to, and she said it's a personal business matter with XXXX XXXXXXXX XXXX, which I have not been enrolled in college in more then 15 years. I told her that to which she said, " that doesn't mean it's not due. '' If it were due, I would have paid it by now. 
When I asked for documentation I was told that the item has been with their office since XXXX. They've tried calling me about this matter. Which is untrue, I pulled my records from XXXX to that current date, the only call I've received from them I answered. So I don't really care how long it's " been with their office '' unless I have proof that it is owed I don't know what to tell her. I updated my address with her and waited for documentation. 
When the documentation arrived it was an invoice that Williams & Fudge made up and printed. I have that and can send it to you. They made the letter look as though it came from XXXX XXXXXXXX XXXX, but they used Williams & Fudge 's XXXX XXXX as who it was addressed from and the return address. This bill was not from XXXX  XXXX XXXX, but printed by them, which proves nothing. They used this as legitimate proof that this is due, not one date on it. 
I feel like they are trying to collect on something that is simply not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX account was fraudulent open and removed from my account now it has reappeared on my account as a open account again after it was removed saying I have a balance of XXXX the ago was removed in XXXX 2025 and placed back on my credit report in XX/XX/scrub> 2025 which is incorrect and very unfair

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 2025-03-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has reported one of my business credit cards to my personal credit report. My business accounts should not appear on my personal reports. In addition, this has negatively impacted my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received an email that my social and or credit cards has been compromised

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 2025-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes .These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion Dear to whom this may concern, I am writing to formally dispute the inaccurate reporting of the XXXX account on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. This account has been incorrectly reported and must be removed immediately. 

Disputed Inaccuracies : 1. Failure to Provide Verification Despite my repeated requests, neither XXXX nor the credit bureaus have provided me with proper documentation proving the accuracy and ownership of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records and documentation used to verify the debt. Since no legally sufficient proof has been provided, the account must be deleted.

2. Inconsistent and Incorrect Payment History The reported payment history contains multiple inaccuracies : The charge-off was reported inconsistently over several months, failing to follow the standard 30-60-90-day delinquency process.

The account status contradicts itself by showing past due balances despite being marked as charged off.

The reporting dates are inconsistent and unreliable, violating FCRA 1681s-2 ( b ).

3. Violation of FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information This account is being reported as an outstanding balance despite being charged off. This is misleading and a direct violation of the FCRA.

Since the information reported is incomplete and unverifiable, it must be corrected or deleted as per FCRA 1681i ( a ) ( 5 ) ( A ).

Demand for Immediate Resolution :. Delete and permanently block the XXXX account from my credit report. 
Provide me with a written statement confirming the deletion within 10 days of receiving this letter. 
Cease further reporting of this inaccurate information to any credit bureau. 

Failure to comply with this request will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. I am fully prepared to seek legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as my final request for resolution before I proceed with legal action. Please investigate this matter immediately and send me written confirmation of your compliance within the legally required timeframe. 

Sincerely, 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a personal as well as business relationship with navy federal credit union. My XXXX XXXX XXXXXXXX XXXX account was closed. Because of that three checks were issued to me. One for {$11000.00} another one for {$100.00} and lastly {$5600.00}. All written out to my business name. Again, I have a personal and business relationship with Navy. I called navy and spoke to a representative. I asked the representative if I could mobile deposit my business checks into my personal account. They informed me that it was no problem. I just had to endorse the check in a certain way a specific way. they then proceeded to tell me exactly how to do it. I did so on XX/XX/XXXX and mobile deposited the checks. Ive been banking with navy since XX/XX/XXXX. After I mobile deposited those three checks, then navy proceeded to restrict my account stating that my account is unsatisfactory due to me, depositing business checks into my personal account. Even though their representative is the one that told me, it was OK to do so. They told me to submit an appeal, which I did on XX/XX/XXXX. My appeal was denied, claiming that they were unable to verify me. But they had no problem opening my account back in XX/XX/XXXX. There was no verification issue then. But a restriction is still on my account, and I am unable to access my funds of over {$60000.00}. Making me unable to pay my bills. If there was an issue, depositing the funds into my personal account, I would have happily deposited it into my business account that I also have with Navy Federal. The reason I asked the representative if I can deposit it into my personal was because I would have to mail in the checks for the business which would be time consuming in any event. The representative told me that it was perfectly fine and OK to deposit the checks which is why I did so. If he had told me, otherwise, I would have deposited them into my business account with navy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation