vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the following accounts currently appearing on my credit report : Spring Oaks Capital Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balances : {$660.00} and {$630.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} These accounts are not mine, were opened without my knowledge or authorization, and appear to be the result of identity theft or inaccurate reporting.

I have made numerous attempts to contact the debt collectors associated with these accounts, including Spring Oaks Capital, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite sending multiple written requests asking for verification of the alleged debts, I have not received any meaningful written response. Instead, I continue to receive harassing text messages and phone calls from these companies asserting that I owe debts I am unaware of. 

Their representatives have been consistently rude, unprofessional, and dismissive over the phone. They have failed to provide any documentation or legal validation for the debts in question, in clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Given the lack of verification, the continued harassment, and my genuine unawareness of these alleged debts, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, and demanding the following : Immediate blocking, removal, and cessation of reporting of these inaccurate and/or fraudulent accounts from my credit report. 

Written confirmation once these accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$130.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$980.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$130.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$980.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$0.00}

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 2025-04-28 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: NC

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
On Wednesday XX/XX/year> I received a message stating that I was approved for a loan in the amount of XXXX with installment payments of XXXX per month. I reach out and spoke with XXXX XXXX XXXX who assisted me with the eligibility process. He stated he need to make small deposit transactions bank verification purposes. On Wednesday he made a deposit of XXXX. Out of the XXXX deposit 3 small transactions of XXXX into my Saving account without my permission and the remainder of the deposit was transferred into my Checking account. He sent me a link to do an online bank verification but the link did not work so I gave him my online username and password. After he made the mobile deposits, he ask me to send it back through XXXX pay. Once the process was finish I was told the loan amount was increased to XXXX with installment payments of XXXX per month for XXXX  months. XXXX XXXX told me that the funds were deposited into my bank account and it would take XXXX before the funds would clear. On XXXX  XX/XX/year> XXXX XXXX called back and stated he made another deposit of {$400.00} into my checking account and to send it back through XXXX XXXX card. This raised suspicion because we did bank verification on XXXX. I was told he need to establish trust. Once the deposit was completed he reassured me the funds would be deposited in XXXX. On XXXX  XX/XX/year> XXXX XXXX called and made another mobile deposit without my authorization before he called me and I told him " No More '' you verified the bank already why are you still depositing small transactions into my account. He told me that there was a issue with my bank receiving the funds from his bank and he need to verify one more time and this would be the last time. On XXXX another loan XXXX called and tried to deposit XXXX loan amount into my checking but he kept messing up the online password and he locked down forcing him to change the password. On XXXX  XXXX I called my bank and XXXX the online username and password and changed account and routing number for my checking account. On XXXX  I called my bank to change the account number to my XXXX account because my account was overdrawn {$450.00}. XXXX XXXX reached out via text message today XX/XX/year> and I did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
The address listed on my credit report is fraudulent. Ive never lived in New York. I also have never created any debt with Fair Collections and Outsourcing.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company has called me stating that I am in collections for a Best Buy credit card from early 2000. I do not recall having a Best Buy credit card. I have asked the company to send me documentation and all they sent was a letter, which I will attach, stating the amount I need to send them with my credit card information. They will not provide me with documentation from Best Buy confirming this amount owed. I've gone ahead and checked my credit report with Experian and it says I have XXXX accounts in collections. 

I've tried researching the name and address of the company and their information does not match. I've entered both the number they provided me with ( XXXX ) and the number on their document and both have been listed online as scams. 

I've tried calling them to let them know that I've taken these steps and I don't believe I owe any money to Best Buy and they have begun to berate me, yelling, talking over me, insulting me and not allowing me to ask any additional questions to verify if they are a legitimate company. 

They continue to call my cell, my daughter 's cell, and my office non-stop. I need to report this company and have these harassment calls stop.

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has been falsely report information to the credit bureau and not applying my payments properly. When I make a payments they will reverse the payment months later then reapply a month after that. Reporting inaccurate information to the credit bureau and sending text to me and calls stating I am delinquent. I made a payment on XX/XX/XXXX for {$410.00}. It was reversed by XXXX XXXX XXXX XXXX on XX/XX/XXXX, then reapplied on XX/XX/XXXX. I made another payment on XX/XX/XXXX for {$1500.00} and another on XX/XX/XXXX for {$200.00}. They then reversed these payments on XX/XX/XXXX and has yet to reapply them. They are trying to say they didnt clear the bank, however they have been cleared from the bank and were never returned by the bank. This is XXXX XXXX XXXX XXXX reversing them. They are trying to claim the account is under maintenance, but this is happening every time I make a payment. This has been going on for far too long. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Issue # XXXX After receiving my escrow analysis on XX/XX/XXXX, I contacted XXXX to rewrite my insurance policy. Policy for {$1700.00} was canceled, and XXXX {$1100.00} was issued in its place. A revised XXXX escrow analysis followed on XX/XX/XXXX. XXXX sent me a check back for {$1600.00}, not the full {$1700.00} paid. I sent the {$1600.00} to XXXX XXXX and they paid the revised policy amount of {$1100.00} from my escrow. I think this leaves {$140.00} unaccounted for. 

Issue # XXXX XXXX XXXX  claimed the full {$2900.00} disbursement on my XXXX Form XXXX Annual Escrow and Interest Statement, not the actual insurance amount of {$1100.00}. 

Issue # XXXX XXXX, both my escrow account projections and activity have aligned on a XXXX cycle ( 12 months ). However, beginning with my XXXX escrow analysis and continuing into the XXXX XXXX analysis, Ive noticed a discrepancy. While the account projections remain XXXX through XXXX ( 12 months ), the activity period now spans XXXX through XXXX ( 14 months ). 

I do not understand how extending the activity period to 14 months does not distort the amount required in my escrow account annually and, ultimately, how this would not impact my monthly payment because at the very least it captures XXXX home insurance payments rather than what is actually paid annually. 

XXXX contact XX/XX/XXXX, responded XX/XX/XXXX XXXX contact XX/XX/XXXX, responded XX/XX/XXXX XXXX contact XX/XX/XXXX, Mr. Cooper responded with no answers. 
XXXX contact XX/XX/XXXX, I responded asking for clarification on all XXXX issues again. 
Filed with XXXX XXXX XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I do not have any documentation or paperwork verifying that I owe money to a XXXX XXXX XXXX XXXX XXXX. The account may be closed on my credit report but it is still showing on my credit report and I never signed up for a company located in XXXX. I would like this false information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not have any documentation or paperwork verifying that I owe money to a XXXX XXXX XXXX XXXX XXXX. The account may be closed on my credit report but it is still showing on my credit report and I never signed up for a company located in XXXX. I would like this false information removed from 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
On multiple dates between XX/XX/year> and XX/XX/year>, including but not limited to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I requested information regarding the closing of my account with XXXX bank because I no longer reside in the state of Massachusetts and the forwarding of my remaining balance of {$4900.00} by check to my current address. I spoke to XXXX, XXXX, XXXX and others. On multiple occasions I was told that the account was closed and that the check with the final balance {$4900.00} was mailed to my address. Initially I was told that the check went to the wrong address in my apartment complex but on several occasions the management followed up with the resident at that address and no check was ever received or cashed. This was verified multiple times with XXXX that the check was never cashed. I was told that they reissued the check multiple times with the correct address and I was given several new dates when the check would arrive and yet I still have not received my check and it is 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 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX Collections & XXXX was contacted to get information on the debt collection they are reporting on my credit report. They were not able to furnish any information showing any of the charges of {$3800.00} on my report. This needs to be removed from my credit report as they are not able to provide any information showing proof of these charges.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report this morning, I was surprised to find accounts listed incorrectly, with no clear reason why. I routinely monitor my credit, but this time inconsistencies appeared unexpectedly. I attempted to refresh the browser in case it was a temporary glitch, but the errors remained. As a result, XXXX requesting a detailed examination of the documents I sent, so I can have peace of mind moving forward.

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 2025-04-28 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: FL

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A voicemail was left by Portfolio Recovery Associates indicating I had unpaid debt. I never received paper notice of a debt and there is nothing on my credit report. Another attempt to collect the debt came from a text. I called the number and went to a random line of someone who had no idea what was happening. I called again and the person said they were looking for someone else and hung up. This was on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief