vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am a consumer residing in Florida. I am being sued by Spring Oaks Capital SPV , LLC for an alleged debt originally related to a XXXX XXXX account issued by XXXX XXXX XXXX XXXX. 

The debt collector failed to provide the following : A signed contract or original agreement proving I owe this debt Proper validation and itemization of the alleged debt Any documentation that links my name directly to the specific debt being collected The only documents provided include unauthenticated billing statements, generic assignment agreements that do not mention my name, and an informational email from the original creditor that explicitly states it is not a collection notice. 

Despite this, the collector has initiated legal proceedings against me. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), as it constitutes an attempt to collect a disputed and unverified debt. 

I am currently preparing for a court hearing scheduled for XX/XX/year>. The XXXX has submitted multiple exhibits that do not contain my signature, nor do they establish a clear chain of ownership of the alleged debt.

I am defending myself pro se and respectfully ask the CFPB to take this situation seriously and investigate the abuse of legal process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and 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 and 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 to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$380.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX Date : 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 2025-06-17 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
Description of What Happened and Resolution Request : I am writing to formally dispute and request the removal of several XXXX  accounts from my credit report due to either resolved status, inaccurate reporting, or XXXX  XXXX. Ive previously attempted to resolve these matters and believe some of them XXXX not reflect my current financial standing or were not accurately updated. These XXXX  marks are severely affecting my ability to obtain credit, despite efforts on my part to correct or pay down my obligations. 

Accounts in question : XXXX. Covington Credit Account ending in XXXX Charged off with a balance of {$540.00} as of XX/XX/XXXX. 
I previously refinanced and closed earlier accounts with them in good standing. 
I request this be removed as a goodwill adjustment or due to confusing overlap between multiple loans. 
XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX surrender reported, with {$7300.00} still showing as past due. 
The last payment activity occurred in XXXX, yet the account has remained unchanged. 
I am asking for a reevaluation or deletion, especially due to the hardship at the time and my attempt to cooperate with the creditor. 
XXXX XXXX XXXX Account XXXX in XXXX Charged off with {$900.00} still past due, despite prior dispute and payment efforts. 
An earlier account from the same company ( ending in XXXX ) shows paid and closed. 
Requesting deletion due to redundancy and XXXX  impact from repeated listings. 
XXXX. XXXX XXXX XXXX XXXX collections listed : {$1500.00} and {$2200.00} for XXXX  XXXX  and XXXX XXXX, respectively. 
These debts were either sold or disputed previously and continue to show without updated resolution. 
I request deletion based on outdated status or lack of updated investigation outcome. 
XXXX. XXXX XXXX Bank Account ending in XXXX A charged-off credit card with a {$390.00} balance. 
Payments were being made before XXXX, and the credit line was only {$200.00}. 
I ask for a goodwill deletion as a gesture to help me recover financially. 
XXXX. XXXX XXXX Account ending in XXXX Charged off with {$1600.00} written off. 
Previous XXXX XXXX loans were paid or refinanced ; the newest XXXX was sold to collections without further update. 
I ask that this be removed as I was actively making payments before circumstances changed. 



Requested Resolution : XXXX deletion of these XXXX  marks from my credit report with all three credit bureaus ( XXXX XXXX XXXX XXXX  ). 
Consideration of the XXXX  circumstances, refinanced accounts, and overlapping duplicates. 
A fair and timely resolution to clear my credit profile so I XXXX recover and rebuild my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-17 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiry on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX  : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is XXXX  my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$160.00} XXXX XXXX XXXX  SS XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$3000.00} XXXX  # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX  # 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 non-monetary relief
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MI

Complaint narrative:
Asked for proof of debt to provide in 30 days via email. They failed to do so. They also continue to email me when Ive subscribed from their emails via their website but they continue to send them and Ive sent an email saying Ive unsubscribed and they continue to email me and harass me

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 2025-06-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XX/XX/XXXXXXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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
Consumer complaint received 2025-06-17 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:
I'm writing to formally dispute an account currently listed on my credit report that is completely unfamiliar to me. I have never opened, authorized, or had any dealings with this account, and it appears to be erroneously reported under my personal information. 

Let me be very clear : this account is unknown to me and does not belong on my report. I do not recognize the creditor, the account number, or any of the associated activity. As such, this is a case of mixed or incorrect data, and it is your responsibility to ensure that only accurate, verifiable information remains on my 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 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX

Complaint narrative:
Due to serious illness and subsequent job loss, I fell behind on my mortgage payments. I recently reached out to make payments and communicate my situationonly to be met with annoyed, dismissive attitudes, and a tone that made me feel like a burden because of my past-due status. When I called to ask questions about a demand letter earlier that day, I went to office to pay balance and I was told by other employee I had called earlier to get balance on account which was not true and that was noted on my account. 

This behavior was unprofessional and deeply hurtful during a time of financial and emotional stress. I received nothing but disrespectful and judgmental treatment from employees of Rocky Mountain Mortgage Company ( XXXX XXXX XXXXXXXX ) in XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
A collection account was reported by Fair Collections & Outsourcing ( FCO ) for {$8000.00}. The debt allegedly originated from a property I moved out of on XX/XX/XXXX. However, the collection tradeline falsely claims activity through XX/XX/XXXX, which is factually impossible, as I was no longer living at the property at that time and had already relocated to another state. 

Additionally, any legitimate balance tied to my previous tenancy was fully paid through federal COVID-19 rental assistance funds, which the property accepted. Despite this, the account was marked as " opened '' in XX/XX/XXXX, nearly XXXX years after I moved out, with no valid lease in place. 

No notice of debt or itemized balance was ever provided to me, and the collection account appeared without validation or communication. The reporting appears fabricated, includes contradictory dates, and misrepresents an account that should be closed and resolved. The situation arose following a job loss in XX/XX/XXXX, and I was presented with a separation agreement that I did not sign. 

This account should not have been created, reported, or marked as delinquent. 

Actions Taken : Moved out of the property on XX/XX/XXXX Paid all rent obligations with emergency rental assistance prior to moving Did not receive any communication or itemization from the collection agency Filed a formal dispute with the credit bureaus

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