vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am submitting this formal response to the documents provided by XXXX XXXX XXXX in reference to my complaint. After thoroughly reviewing the information they submitted, I must clearly state that the alleged debt remains disputed. The documents presented fail to meet the legal standard for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Key Issues with the Documentation Provided : XXXX XXXX submitted a billing statement marked Page 1 of 2, yet failed to include the second page. This is a red flag and suggests incomplete or selective disclosure. Without the full statement, critical information may be missing.

The documents reference at least three different addresses associated with the alleged debtor. This inconsistency casts serious doubt on whether the account actually belongs to me. 
XXXXXXXX XXXX included internal sale and assignment documents that do not mention my name, Social Security number, or account number. These are bulk transfer records and do not prove that this specific debt is mine. 
A page was submitted claiming an application was signed electronically, which includes an IP address and timestamp. However, there is no visible e-signature, no verified link between the IP address and me, and no authentication showing that I consented to or completed this application. This document appears to be created by XXXXXXXX XXXX not provided by the original creditor. 
None of the documents were issued directly by the original creditor, nor do they include original signed agreements or complete itemized account histories. 
Under FDCPA 809 and FCRA 1681i, a debt collector must provide full and complete validation of a debt upon request. XXXX XXXX has failed to do so. Additionally, under the E-SIGN Act ( 15 U.S.C. 7001 ), electronic records must be accompanied by proper disclosure, identity authentication, and consumer consent. None of these were met.

As such, I am formally requesting : Immediate removal of this account from all consumer credit reports.

Cessation of all collection activities related to this account. 
Written confirmation that this matter has been resolved in my favor. 
If XXXXXXXX XXXX can not provide verified documentation proving this debt is mine, with original agreements and complete account records from the original creditor, I ask that this case be closed in my favor. I also reserve the right to pursue further legal remedies under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Company : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX. 
XXXX XXXX The company above has violated my rights under section 15 U.S.C. 1681N violated the FCRA by not being compliant. They willfully obtained my credit report/file under false pretense and without my permission. Remove from my TransUnion credit report/ file. Thank you.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding a collection account that appears on my credit report, reported by * * Portfolio Recovery Associates , LLC * *. The original creditor was * * XXXX XXXX XXXX, XXXX. * *, and the account number is * * XXXX * *. 

On * * XX/XX/year> * *, I paid this account in full, and I received a letter from Portfolio Recovery confirming that my current balance is * * \ {$0.00} * *. The same letter also states that within approximately 30 days of the final payment posting, they would request that their tradeline be * * deleted from my credit report * *. 

Despite this written confirmation, * * more than 30 days have passed * *, and the account still appears on my credit report. This is negatively impacting my credit score.

I am respectfully requesting that the CFPB assist me in : 1. Confirming Portfolio Recovery Associates ' compliance with their own letter, 2. Ensuring the deletion of this account from my credit report as promised, 3. Protecting my consumer rights after fulfilling my payment obligation in full.

I have attached the letter from Portfolio Recovery as proof of payment and the terms they agreed to. 

Thank you in advance for your assistance with this matter. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-23 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint regarding Jefferson Capital Systems XXXXor XXXX & XXXX XXXX XXXX, who have attempted XXXX collect a debt from me through what I believe are harassing XXXX deceptive practices. 

Details of the Incident Recently, an individual left a blue card at my mothers residence, implying I was being served for a lawsuit. 
No court papers were provided, XXXX  no active case exists under my name in the court system. 
The card was vague and intimidating, XXXX my mother now believes this person was watching her home. 

I also recently reviewed my credit report XXXX saw activity by XXXX XXXX regarding a debt that I do not dispute in full, but the amount has been inflated from the original total, XXXX no written validation has been provided XXXX  me despite my legal right XXXX request it. 

Why This Is Concerning I believe this action is meant XXXX  frighten me XXXX  my family. I am trying XXXX work through my financial hardship responsibly, but this approach has made me feel unsafe XXXX intimidated. 

Date of incident : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I am writing XXXX express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, XXXX have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet XXXX receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file XXXX  hindering my ability XXXX live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but XXXX  plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken XXXX update XXXX rectify my credit report without any further delay. With your help, I hope XXXX  restore the accuracy XXXX integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you XXXX give this matter your utmost attention XXXX take swift action. Your cooperation XXXX  support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding XXXX assistance.

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 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am the primary borrower and legal titleholder on a Capital One auto loan for a XXXX XXXXXXXX XXXX. The co-borrower ( my ex-spouse ) was required by court order to refinance the vehicle into his name as part of our divorce agreement. He has not refinanced the loan, and the vehicle remains active in my name. 

I contacted Capital One to request a voluntary surrender of the vehicle due to : The failure to refinance, in violation of our court agreement My sole liability for the remaining balance The vehicle being in possession and use of a third party ( the co-borrowers girlfriend ) who is not listed on the loan, not insured, and not authorized by me to operate the vehicle Capital One is now refusing to process the voluntary surrender, claiming that the co-borrower must also approveeven though I am the primary borrower and legal owner. This has left me financially exposed, with no control over the use, condition, or risk of the vehicle. 

This situation has already been filed with the XXXX XXXX XXXX XXXX Court in Ohio, and Capital One has been notified of this. I have also served legal notice to the co-borrower through a Certificate of Service. 

Capital Ones refusal to act places me at legal and financial risk. I am requesting that Capital One : Accept my voluntary surrender as the primary borrower Remove the vehicle from circulation Stop denying me action due to a co-borrower who is not cooperating or meeting his legal responsibilities Thank you for helping resolve this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Nelnet, Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # 12345, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TekCollect Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # 12345, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX and XXXX XXXX who uses PayPal to receive payments from clients for legitimate services. On XX/XX/XXXX, PayPal suddenly deactivated my account, claiming it was linked to another account with unresolved issues. I have no knowledge of or affiliation with any such account. 
No prior violations, disputes, or account warnings were ever issued to me. The deactivation happened after I received {$1500.00} for services rendered. That money is now being held by PayPal for up to 120 days without any proof of wrongdoing. 
I contacted PayPal and was told by the agent XXXX that they would not disclose specific reasons for the closure. Their response was vague and offered no resolution path. This seems to be part of a larger pattern, as many users have publicly reported similar experiences with sudden limitations and withheld funds. 
I am requesting the immediate release of the {$1500.00} and a formal explanation of the violation they claim occurred. If no wrongdoing is found, my funds should not be held.

PayPals actions are financially harmful and lack transparency. Im filing this complaint so that the CFPB can help enforce fair and lawful handling of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: DE

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX  be attached in a word document. I am a victim of identity theft. I have multiple accounts XXXX inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission XXXX have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant XXXX section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief