vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Complaint Against Spring Oak Capital for Unauthorized Reporting I am filing this complaint against Spring Oak Capital for unlawfully reporting an account to my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This is an unauthorized tradeline. I never entered into any agreement with this company, nor did I authorize them to furnish or access my credit information. Their reporting is preventing me from securing housing for my family.

No Written Notice Provided FDCPA 809 ( a ) requires collectors to send a written notice within 5 days of initial communication. I never received such notice.

Failure to Validate Reporting a debt without validation is unlawful ( see Spears v. Brennan, 745 N.E.2d 862 ). This account has never been validated.

No Permissible Purpose FCRA 604 permits access to credit information only with consumer authorization or a legitimate business need initiated by the consumer. I did not initiate or authorize any transaction with Spring Oak Capital.

Right to Block ( Identity Theft / Unauthorized Account ) Under FCRA 605B, I have the right to block information resulting from identity theft or unauthorized use. This tradeline qualifies as such and must be removed.

Debt Parking The FTC and CFPB have identified debt parking ( placing debts on credit reports without consumer notice ) as a deceptive and abusive practice. That is exactly what occurred here.

I request immediate investigation and removal of this unauthorized tradeline from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
My credit report contains negative information that is more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting 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 2025-08-28 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: SC

Complaint narrative:
My credit report contains negative information that is more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccuracies on my credit report including incorrect addresses and unauthorized account information. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and are negatively impacting my creditworthiness and financial opportunities. I request the CFPB to oversee and ensure a thorough investigation and correction of all errors listed below. 
Address : XXXX VIA XXXX XXXX XXXX, CA XXXX Issue : Wrong/Incorrect address reported on my credit file which I have never lived at and never authorized reporting for. 
Law : Fair Credit Reporting Act ( FCRA ) XXXX ( a ) Duty to reinvestigate inaccurate information. 
Story : I discovered this address on my credit report during a recent review. I have never resided at this property, nor have I authorized any financial institution or XXXX XXXX  to associate this address with my credit profile. The continued reporting of this incorrect address negatively impacts my creditworthiness and potential financial opportunities. I request the credit bureau to remove this address immediately and provide a written confirmation of the deletion. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong/Incorrect address reported on my credit file. 
Law : Fair Credit Reporting Act ( FCRA ) XXXX ( a ) Duty to reinvestigate and correct inaccurate information. 
XXXX : This address has never been my residence. Its presence on my credit file has caused confusion with lenders and XXXX have contributed to adverse credit decisions. I demand that the credit bureau conduct a full reinvestigation of this address and remove it permanently from my credit report, with proof of removal sent to me. 
I request the CFPB to intervene and ensure that the credit bureaus conduct a proper reinvestigation of all disputed items, correct all inaccuracies, and provide written confirmation of each correction. The inaccurate reporting of addresses and account information is a violation of my rights under the FCRA, and I expect the CFPB to hold the bureaus accountable to resolve these matters promptly.

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed. My loan was with Santander XXXX  USA. Since XX/XX/XXXX, Santander HAS required me to make payments thru XXXX XXXX XXXX XXXX. I contacted customer service multiple times in attempt to get my Santander Online account unlocked, yet was repeatedly told I MUST use XXXX XXXX and could not submit payment directly to them via the Santander website. I have made all payments via the XXXX XXXX XXXX XXXX  service and I have the tracking numbers which correspond with each months payment. Furthermore, I HAVE NOT RECEIVED ANY TYPE OF COMMUNICATION FROM SANTANADER via phone, email, or USPS stating that my account was in any sort of negative status in the last 12 months. In addition, the transaction history on my Santander Account contains payments made from a checking account that does not match my checking account ( not to mention I haven't been able to pay with a checking account as I've been forced to use XXXX XXXX ). I have contacted Santander multiple times the since the repossession on Sunday and they have not been able to provide any clarity. They are also stating that they never received any of the XXXX XXXX XXXX XXXX  payments over the last 12 months. They have not been able to explain any of the transactions from the checking account which is not mine ( the transactions are large amounts ) and they are trying to tell me that there have been 119 returned check payments. This is not at all possible given that I HAVEN'T EVER PAID WITH A CHECK, I HAVEN'T BEEN ABLE TO PAY VIA THE SANTANADER WEBSITE AND I HAVE BEEN FORCED TO USE XXXX XXXX. 

This company is a complete scam and I do not understand why ANY LENDER WOULD MAKE A CUSTOMER PAY THRU A 3RD PARTY SYSTEM. They have also not SENT THE REQUIRED PAPERWORK TO THE TOWING COMPANY SO I CAN RETRIEVE MY PERSONAL PROPERTY.

If anything, I HOPE THAT this will begin an investigation into their business practices and save another consumer from ever obtaining a loan from them.

This repossession is fraudulent and this company is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice Regarding Alleged Debt To Whom It May Concern : I am writing to formally notify you, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease and desist all communication with me regarding any alleged debt you claim I owe.

Please be advised of the following : 1. I do not consent to any further contact from your office, your representatives, or affiliates regarding this matter, except as permitted by law ( such as a single notice confirming that collection efforts are being terminated, or that you intend to take specific legal action ).

2. Any further attempts to contact me at my home, workplace, by telephone, by electronic means, or by mail, outside of what is legally permitted, will be considered harassment and a direct violation of the FDCPA.

3. If you believe this alleged debt is valid and intend to pursue the matter, you may do so only through proper legal channels.

Be advised that failure to comply with this notice may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue civil remedies for any violation of my rights under the FDCPA.

This letter is not to be construed as an acknowledgment of any debt, nor as a waiver of any rights or defenses I may have.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$1600.00} Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} Account Name : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$940.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-28 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the following account : Late Payment Account Name : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation when a consumer disputes information on their credit report. Additionally, FCRA 623 ( b ) obligates furnishers to investigate and verify the accuracy of information once notified of a dispute.

I have reason to believe that this account information has been verified or updated without a proper investigation, which constitutes a violation of the FCRA. Updating or re-reporting disputed information without completing a reinvestigation is not permitted under federal law.

Please provide : 1. The method of verification used to confirm this information.

2. Copies of all documents and communications relied upon to verify the accuracy of the 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 2025-08-28 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account name : XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-08-28 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: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of 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 explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Failure to Resolve Billing Error Dispute, Violations of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct or properly investigate a billing error that I have disputed multiple times over the past three months. Despite sending three separate dispute letters with complete identification and supporting documentation, the following inaccurate items remain on my credit file : XXXX XXXXXXXX Late Payment ( Open ), Account ending in XXXX Department of EducationXXXX Late Payment ( Open ), Account ending in XXXX ( two entries ) Under 15 U.S.C. 1666 ( FCBA ), creditors and reporting agencies are required to : Acknowledge a billing error dispute within 30 days, Investigate and correct the error within two

billing cycles ( not more than 90 days ), and Provide a written explanation with documentation relied upon in the decision. The bureaus have failed to comply with these obligations. To date, they have not corrected the billing error, supplied the documentation relied upon, or provided any lawful resolution. This failure also constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires maximum possible accuracy in credit 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Check on my transactions and you'll see I've been a loyal customer for a long time and I don't really make complaints until this one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I hope this message finds you well. I am reaching out not to dispute any debts or deny my financial responsibilities, but to respectfully request that several entries on my credit file be re-evaluated for accuracy and completeness, in line with my rights under the Fair Credit Reporting Act ( FCRA ). 

Over the past few years, Ive faced personal and financial hardshipsincluding a family emergency, job loss, and relocationthat temporarily affected my ability to stay current on some payments. However, I have made every effort to recover and honor my obligations, and I continue to do so today. 

Late Payments Open Accounts These accounts are currently open and active. I request a good-faith review of the late entries associated with them, as they occurred during difficult life events and do not reflect my current payment behavior. 

XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$0.00} 30 Days Late : XX/XX/XXXX Explanation : This delay happened during a family emergency. The balance is now {$0.00}, and the account remains in good standing. 

XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX | Balance : {$26000.00} 30 Days Late : XXXX XXXX, XXXX, XXXX XXXX 60 Days Late : XX/XX/XXXX Explanation : A period of extreme financial XXXX  caused by job loss and relocation. I am continuing to pay down this balance responsibly. 

XXXX  Account ending in XXXX ( Open ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Explanation : A paycheck delay over the holidays caused a short-term issue. The account has remained active and current since. 

Late Payment Closed Account XXXX Account ending in XXXX ( Closed ) Opened : XX/XX/XXXX | Balance : {$780.00} 30 Days Late : XX/XX/XXXX Note : This appears to be the same account as the one listed above under open status, potentially duplicated or misclassified. I request review to avoid redundant or inaccurate reporting of the same late entry. 

Applicable FCRA Laws My request is grounded in the following provisions of the Fair Credit Reporting Act : FCRA 602 ( A ) : Requires credit reporting to be fair, equitable, and respectful of consumer rights.

FCRA 607 ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy of information.

FCRA 609 ( a ) : Grants consumers the right to access complete and clear information regarding their credit files.

FCRA 611 ( a ) : Allows consumers to request correction or reinvestigation of any item believed to be incomplete or inaccurate.

Company response to consumer: Closed with non-monetary relief