vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/year> account number XXXXXXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I was the victim of identity theft and discovered a fraudulent account placed by Spring Oaks Capital LLC on my credit reports XX/XX/XXXX/XXXX  with both XXXX  and XXXX. In accordance with my rights, I sent Spring Oaks Capital the following documents : A valid FTC Identity Theft Report A police report documenting the identity theft A formal request for them to stop reporting the fraudulent debt Despite receiving these legally sufficient documents, Spring Oaks Capital responded in writing stating that they have the right to continue reporting the debt because they purchased it. They also claimed to have verified the debt, but failed to provide any meaningful validation that proves I owe it, nor did they address the clear evidence of identity theft.

This behavior is a clear violation of the FCRA, specifically : Section 605B, which requires furnishers to block fraudulent information from credit reports once valid identity theft documentation is provided.

Section 623, which obligates data furnishers to report accurate information and properly investigate disputes.

Spring Oaks Capital LLC is willfully ignoring these obligations on XX/XX/XXXX, continuing to damage my credit, and refusing to act on the evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: KY

Complaint narrative:
Subject : Formal Complaint Debt Collection and Verification Issue Account Number : XXXX To Whom It May Concern : I am submitting this formal complaint regarding a debt collection matter with XXXX involving account number XXXX. On [ insert date sent or todays date ], I submitted a written request to XXXX requesting verification and validation of the above-referenced debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 USC 1692g ). To date, they have failed to provide the requested documentation or adequate proof that the alleged debt is valid and that they are legally authorized to collect it. Specifically, I requested : 1. Proof of their legal right to collect the debt. 2. Documentation showing my responsibility for the debt, including a signed agreement. 3. Full details about the original creditor and any charges or interest applied. 4. Evidence that the debt is not time-barred. 5. Information on any credit reporting related to this account. Despite my good faith effort to resolve this matter, the debt collector has not complied. I believe this may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I am requesting your assistance in investigating this matter. I respectfully ask that the CFPB take appropriate action to ensure that my consumer rights are upheld. Thank you for your time and attention to this matter. Sincerely, 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 2025-04-30 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Complaint Regarding Debt Collector 's Refusal to Investigate and Provide Debt Verification Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding LLC regarding their failure to comply with my request for debt validation and investigation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I submitted a written request to LVNV Funding LLC requesting documentation to verify the validity and details of a debt they claim I owe. This request was made within the XXXX window after I received their initial communication, as outlined in 15 U.S.C. 1692g. Despite my timely and lawful request, XXXX XXXX XXXX has failed & refused to provide the requested documentation. Instead, they have continued their collection efforts without properly investigating my dispute or furnishing the information necessary to validate the debt. 

Specifically, I requested : Copies of any signed agreements or contracts that prove I agreed to this debt A complete accounting of the alleged debt. 

Show that LVNV Funding LLC has the legal right to collect this debt. 

Provide a complete payment history starting with the original creditor. 

Documentation identifying the original creditor. 

To date, they have not provided any of these documents. Their refusal to investigate and verify the debt constitutes a violation of the FDCPA, and it has caused me significant distress and confusion regarding my rights and obligations. 

I am requesting the CFPB 's assistance in investigating this matter and ensuring that LVNV Funding LLC complies with federal regulations. I have attached copies of my correspondence with the debt collector for your review. 

Thank you for your attention to this serious matter. I look forward to your response and any actions you may take to protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX  days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
My joint personal checking account at U.S. Bank was frozen without any notice, explanation, or legal documentation. My husband and I are both XXXX citizens. We have had this account for over XXXX years and have not made any foreign transactions or interacted with any sanctioned entities. 

The only recent change was that my husband completed a legal name change following his XXXX naturalization, which was properly documented with the bank. 

The freeze was placed on XX/XX/XXXX and we were not notified. I discovered the freeze only after credit card payments and our mortgage payment failed. I have since confirmed that U.S. Bank froze the account due to XXXX XXXX, but I have not received any XXXX notice or been asked for verification or identification to resolve the issue. 

This appears to be a precautionary freeze based on an internal flag, not a lawful XXXX block. It has already caused financial damage, disrupted bill payments, and placed our credit and housing at risk. 

I am requesting immediate investigation into : The legality of this account freeze under federal banking regulations Whether U.S. Bank violated notice requirements or misapplied XXXX policies Restitution for missed payments and damages caused by XXXX XXXX  inaction I am concurrently filing complaints with the XXXX and XXXX. Please advise if additional documentation is needed.

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 2025-04-30 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-04-30 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I'm reaching out to make something very clear. I need full assurance that all the data linked to this account every file, detail, activity log, and personal identifier belongs solely to me. No exceptions. This is important for both my privacy and peace of mind. I'm asking for this certification because I want to be absolutely certain that my personal information is not mixed with anything that doesnt belong to me. I need confirmation that everything on this account is exclusively mine nothing more, nothing less.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LVNV Funding LLC is reporting a debt they claim to have purchased from XXXX XXXX XXXX. I disputed the account with the credit bureaus, and they responded by marking it as disputed by consumer, but the account was not removed. I requested validation from LVNV, including proof of ownership and a copy of the original agreement, but they failed to provide any documentation. This account is several years old and may be past the legal reporting period. I believe it is being reported in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Account Name : XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * * * Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * Account Name : XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * has violated my rights. On a list of inquiries : ( attached in letter ) 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish an account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Account Name : XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * * * Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * Account Name : XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * has violated my rights. On a list of inquiries : ( attached in letter ) 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish an account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-30 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, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-30 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief