vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Subject : Request for Debt Validation To Whom It May Concern : I am writing in response to a letter I received on regarding an alleged debt. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : XXXXThe amount of the debt ; XXXXThe name of the creditor to whom the debt is currently owed ; XXXX copy of the original contract or agreement bearing my signature ; XXXXA detailed statement showing how the debt amount was calculated ; XXXXProof that you are legally authorized to collect debts in my state ; XXXX copy of the judgment ( if applicable ). 
Please note that I am requesting this information to verify the validity of the debt. If you can not provide this documentation, you are required to cease collection efforts and remove any negative information from my credit report. 
While this request is pending, you must cease all collection activities, including reporting this debt to credit bureaus. 
Thank you for your cooperation. 
Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
Inaccurate account status is being reported on my credit reports along with incorrect names. XXXX is inaccurately reporting my name as XXXX XXXX XXXX XXXX, my address is inaccurately showing as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and my employment information as XXXXXXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX Date Updated : XX/XX/XXXX. TRANSUNION is accurately reporting my name as XXXX XXXX XXXX and XXXX XXXX. TRANSUNION is accurately reporting my address as XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX. TRANSUNION is inaccurately reporting my employment as XXXXXXXX XXXX Date Updated : XX/XX/XXXX and XXXX XXXX  Date Updated : XX/XX/XXXX. XXXX is inaccurately reporting the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, and employer as TARGET Date Updated : XX/XX/XXXX, and XXXX XXXX XXXXXXXX Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
Inaccurate account status is being reported on my credit reports along with incorrect names. XXXX is inaccurately reporting my name as XXXX XXXX XXXX XXXX, my address is inaccurately showing as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and my employment information as XXXXXXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX Date Updated : XX/XX/XXXX. TRANSUNION is accurately reporting my name as XXXX XXXX XXXX and XXXX XXXX. TRANSUNION is accurately reporting my address as XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX. TRANSUNION is inaccurately reporting my employment as XXXXXXXX XXXX Date Updated : XX/XX/XXXX and XXXX XXXX  Date Updated : XX/XX/XXXX. XXXX is inaccurately reporting the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, and employer as TARGET Date Updated : XX/XX/XXXX, and XXXX XXXX XXXXXXXX Updated : 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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I received student loan forgiveness through the XXXX XXXX XXXX XXXX XXXX processed on XX/XX/XXXX. Actual forgiveness date was XX/XX/XXXX. Mohela stated that I would be receiving refunds of {$350.00} and {$860.00}. 

Since my loans have been forgiven, I am no longer able to log into my Mohela account to check my refund status. 

Any information regarding my refund would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
I receive multiple email communications about an alleged debt multiple times a week, even multiple times in the same day. I responded via email, on XX/XX/XXXX, and stated that I would like all communication going forward to be sent via mail. The company has followed that up by continuing to send communication via email, at least twice since my response on XX/XX/XXXX. Such instances by the company occurred once on XX/XX/XXXX & once on XX/XX/XXXX. 

I believe my rights have been violated multiple times under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-06-01 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Disputes have been submitted to both equifax and experian due to fraudulent accounts placed on my file. Please assist with the removal of the fraudulent accounts.

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 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

XXXX XXXX {$470.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  {$4300.00}

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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am the victim of identity theft. Early Warning Services is reporting several fraudulent checking accounts opened in my name. I did not open these accounts, authorize any transactions, or consent to the use. 

I submitted a dispute and identity theft affidavit under FCRA 605B ( 15 U.S.C. 1681c-2 ), including : A valid FTC Identity Theft Report, A copy of my government-issued ID, Proof of address. 

I am requesting immediate deletion and permanent blocking of this information, as required under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: DC

Complaint narrative:
I am writing regarding Account beginning with XXXX, which appears on my credit report. I do not recognize this debt and was not given the opportunity to dispute it as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If you believe that proper notification was provided, please supply documentation showing delivery via certified mail, including a signed receipt as proof. If you are unable to provide this verification, I respectfully request that you immediately remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
this company breaking the law by failing to provide proper validation as required under 12 CFR 1006.34 ( b ) ( 5 ) depitethis, theyev added a collection to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
am writing to formally dispute the reporting of delinquent loan payments currently listed on my credit report. According to the contract I signed with the XXXX  XXXX XXXX, these loans were to be paid directly by the XXXX as part of my enlistment benefits. 

I was under the impression that these payments were being handled automatically, as agreed upon. Because of this understanding, I did not routinely monitor my credit report, assuming the account was in good standing. 

These charges were reported without my knowledge or any notification that the expected payments were not being made. I respectfully request that these entries be reviewed and removed from my credit report, as they are not reflective of my financial responsibility but rather an issue of third-party administration. 

Please find attached a copy of my contract with the XXXX  XXXX XXXX, along with any supporting documentation related to this matter. I ask that this be investigated promptly, and that the inaccurate entries be removed in accordance with the Fair Credit Reporting Act. 

Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 


RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On or about XX/XX/year> I called Equifax Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA XXXX ( XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX The inquiries in question are as follows : XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX  XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXXXXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am a victim of identity theft and have discovered numerous fraudulent accounts and unauthorized inquiries on my credit reports. I am submitting this complaint to request assistance with having these fraudulent accounts and inquiries blocked and removed under federal law ( 15 U.S.C. 1681c-2 ). I have prepared a detailed dispute letter outlining the fraudulent items and my supporting documents. Please see the attached letter for full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 FTC STATES THAT COLLECTION COMPANIES ARE ILLEGAL! .. 
PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * * XXXXXXXX XXXX  XXXX - Account number - XXXX XXXX COLLECTIONS XXXX XXXX ( Original Creditor : XXXX THE XXXX ) Account # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - Original creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX 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 2025-06-01 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 BY THE 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-05-31 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 2025-05-31 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:
Dear Sir or Madam, I am writing to formally dispute the inclusion of the following account on my credit report, as it does not belong to me and I have no knowledge of it : Account Name : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : I have never opened this account, This account is a result of identity theft I request that you investigate this matter and remove the account from my credit report. Enclosed are copies of my credit report highlighting the disputed account, along with any supporting documentation to assist in your investigation. 

Please inform me of the outcome of your investigation and provide an updated copy of my credit report reflecting the removal of this account. 

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation