vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Failure to Properly Validate Debt Cease and Desist Reporting Request Account # : XXXX To Whom It May Concern : This letter is in response to your continued attempt to validate the above-referenced debt following my prior dispute and request for verification. What you provideda general portfolio assignment document from XXXX XXXX XXXX XXXX as part of a bulk sale of receivablesis not proper or sufficient debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). 

Your response fails to include : A copy of any signed agreement bearing my name ; A full itemization and accounting of the alleged balance ; Substantiating documentation showing that this debt is legally owed by me ; Any clear evidence proving this balance is not the result of a GAP insurance discrepancy tied to a vehicle that was stolen ; Proof that Spring Oaks Capital has legal standing to collect or report this account. 

Let me be clear : this account has already been reported under an FTC Identity Theft Report, and is tied to a police report filed when the vehicle in question was stolen. It has also been previously removed from my credit reports and reinserted without proper notice or updated validation, a direct violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ). 

On XXXX, I contacted Spring Oaks Capital and requested to speak to a supervisor. The representative identified herself by name but failed to escalate the matter or provide resolution. I documented this interaction. This lack of transparency is noted and will be included in formal complaints. 

YOU ARE HEREBY DIRECTED TO : 1. Cease and desist all collection efforts and credit reporting of this account ; 2. Immediately remove this tradeline from all consumer reporting agencies ; 3. Do not reinsert or re-age this tradeline without full legal validation, itemization, and documentation.

Failure to comply will result in the following : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; A follow-up with the Federal Trade Commission ( FTC ) and State Attorney General ; Potential civil litigation, with statutory damages pursued under 15 U.S.C. 1692k and 1681n for willful noncompliance and continued inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had two cards opened with Synchrony Bank, one an XXXX card and the other a XXXXXXXX XXXX card. I did not open either of those accounts/cards. I already called Synchrony to have them close those and report them as fraud.

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 2025-03-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX 

Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing 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 2025-03-27 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
From my Original Complaint : XXXX Recently my XXXX interest was waived on XX/XX/XXXX and PayPal/Synchrony sent me a refund check on XX/XX/XXXX. The amount in question is {$1100.00} and the note said it was for Waived Interest Charges. I proceeded to cash the check. However, on XX/XX/XXXX they charged that same amount back to me! Why would they refund my interest only to recharge me?!!! This has put me in a bind financially and it is not right! 

NOW : For one month my issue was resolved but when my account cycled on that next month that interest was added back on yet again. I have tried to call XXXX XXXX multiple times but in each instance she has not gotten back with me within her own provided XXXX of XXXX business days. 

The only acceptable resolution is for synchrony to PERMANENTLY remove the interest from my account. Period! 

I am attaching the letter from Synchrony as proof of the supposed resolution.

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 monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX that I paid off in full the same year it was opened. I received my title and completed the loan with no outstanding balance. However, they are falsely reporting that I missed payments in 2022 and labeling the account as XXXX days late. 

This is inaccurate, as I had no missed payments, and the account should be marked as paid in full and closed in good standing. I contacted XXXX XXXX to request a receipt or proof of payment history, but I have not received a response. 

I have also disputed this information with the credit bureaus, but it has not been corrected. These false late payments are negatively impacting my credit score. I am requesting that this be fully investigated and that the inaccurate information is removed from all credit reporting agencies. 

I have attached proof that the account was paid in full on XXXX, with a {$0.00} balance at closure. This clearly shows that the late payments being reported are inaccurate. 
I have included a screenshot from my XXXX XXXX account showing that the loan was paid off in full on XXXX with a {$0.00} balance at account closure. This proves that the late payments being reported are inaccurate and should be removed.

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 2025-03-27 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
As part of my employment with the XXXX XXXX XXXX, I received partial student loan repayment. Payments were processed correctly for the first two years of my employment from XX/XX/XXXX - XX/XX/XXXX. However, beginning XX/XX/XXXX, MOHELA did not report payments made on my behalf by the XXXX XXXX XXXX. This continued until XX/XX/XXXX when they began to report payments again. I have records from my employer showing these payments were made, but MOHELA has never acknowledged or found these payments. I have contacted them through their messaging system and by phone many times to no avail. Every time they told me " payment research '' would occur and that someone would reach back out to me, but this never happened. The total of missing payments is approximately {$1200.00}. This missing balance has been accruing interest this whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and urgent demand for validation of the alleged debt you claim I owe, as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

You are hereby put on notice that I dispute the validity of this debt in its entirety and request strict proof of all claims. Under the above-cited laws, you are legally obligated to cease collection activity and furnish the following within 30 days of receipt of this letter : 1. Complete accounting and itemization of the alleged debt, including dates, charges, and how the total balance was calculated.

2. A signed contract or agreement bearing my signature that lawfully binds me to this debt.

3. Proof of your legal right to collect this debt, including a copy of the assignment agreement or purchase contract between your agency and the original creditor.

4. A full chain of title showing ownership and assignment of the debt from the original creditor to the present collector.

5. Name and address of the original creditor, along with full details of the account history.

6. A copy of the notice of debt that was allegedly sent to me as required by law.

7. A copy of your surety bond and license to collect debt in my state.

Further, if you are reporting this alleged debt to any credit reporting agency, you are required to mark it as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and must cease reporting altogether if you can not validate the debt. 

If you fail to provide full validation as demanded, or if you continue to report or attempt to collect on an unvalidated debt, you will be in willful violation of federal law, including but not limited to : - 15 U.S.C. 1692e False or misleading representations- 15 U.S.C. 1692f Unfair practices- 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation - 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information Be advised : any further collection attempts without full validation will be considered a knowing and intentional violation of my consumer rights. I am prepared to take civil action to enforce these rights, including pursuing statutory damages, attorney fees, and injunctive relief. 

This is not a refusal to pay but a demand for verification as allowed under the FDCPA and FCRA. Until you comply, any attempt to contact me by phone or mail, or to report this debt to any credit bureau, will be considered harassment and a further violation of my rights. 

Governing Laws : FDCPA 15 U.S.C. 1692 et seq.

FCRA 15 U.S.C. 1681 et seq. 

You have been warned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to request a correction of my personal information on my credit report. The current information is inaccurate, and it has been causing issues with my credit applications, which has been extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I moved out of an apartment in XXXX XXXX XXXX and my father of the same name signed a new lease with them for the same apartment starting the following day. So I have not lived there for over 2 years now. They have added a collection on my credit report in an amount of $ XXXX and when I contacted them to get this collection removed from my report and added to his they essentially stated that they have no documentation showing a change of liabilily, even though my father went in person to get the email account for the apartment updated and he also used his id when registering his pet with the leasing office. And eventhough I told them my father was willing to accept ownership for this collection they plainly said as a business why would it make sense for us to change the account ownership when I am the one who has a job while my father is homeless and unemployed. So it is as if they believed me when I said it does not belong to me but to ensure they still get paid they want to keep it on my report. I even offered to show my lease from my current apartment and also my W2s.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: VA

Complaint narrative:
I disputed a rental collection from Mutual Management Services for {$6400.00}. I formally requested validation under the FDCPA on XX/XX/XXXX, including itemized invoices, receipts, a move-out inspection report, and contractor estimates. They failed to provide this information. Instead, they sent a general breakdown of charges with no proof of actual repairs or expenses. 

Additionally, the collector falsely stated that the debt had not been reported to credit bureaus, which was untrue it was reported to XXXX as early as XX/XX/XXXX. Despite their lack of validation, XXXX verified the debt and continues reporting it. 

The charges include inflated amounts such as a {$3700.00} full plank replacement and {$530.00} painting fee, without sufficient evidence, even though some issues were pre-existing or normal wear and tear. This appears to be a violation of FDCPA and FCRA. 

I am requesting CFPB assistance in having this debt removed from my credit report and holding the agency accountable for deceptive and unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: NY

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