vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I am disputing the reporting and collection practices of Professional Credit Management regarding account # XXXX. I received a collection letter from this company that included an itemized bill from XXXX XXXX XXXX. The bill revealed specific XXXX XXXX I received, including : * A COVID test * A Ceftriaxone injection This disclosure constitutes XXXX XXXX XXXX ( XXXX ). Hospitals and their business associates are restricted by federal law from sharing XXXX beyond the minimum necessary to achieve payment purposes. 
Laws Violated HIPAA Privacy Rule ( 45 C.F.R. 164.502 ( b ) & 164.514 ( d ) ) : * Limits disclosures to the minimum necessary information for payment or collections.

* An itemized bill listing tests and medications exceeds this standard.

HIPAA Business Associate Agreement Requirement ( 45 C.F.R. 164.502 ( e ) ) : * Collection agencies may only receive PHI if bound by a Business Associate Agreement ( BAA ) and even then, only the minimum necessary information.

Fair Credit Reporting Act ( 15 U.S.C. 1681b & 1681s-2 ) : * Credit reporting agencies and furnishers must ensure that consumer information reported is accurate and permissible under law.

* Reporting of debt tied to unlawfully disclosed PHI is not permissible.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ) : * Prohibits the use of unfair, unconscionable, or deceptive means to collect a debt. Using or possessing impermissible PHI in the collection process is unfair and unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
To Whom It May Concern : I am submitting this response regarding the account Spring Oaks Capital claims to have purchased from XXXX XXXX XXXX XXXX I dispute this account in its entirety as fraudulent, inaccurate, and improperly reported. 

1. Fraudulent Nature of the Account I did not open, authorize, or benefit from any account with XXXX  or XXXX XXXX XXXX. 
I have already disputed this account with both the credit reporting agencies and directly with Spring Oaks Capital. 
Their response continues to assert validity without producing any original signed contract or application bearing my name, signature, or verifiable authorization. A bill of sale between creditors does not prove my liabilityit merely shows that debt buyers are transferring alleged rights among themselves. 

2. Deficiencies in Their Verification Spring Oaks Capital relies on internal records and payment histories that I contest as fabricated or misattributed. 
The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) requires that when a consumer disputes a debt, the collector must obtain and provide verification of the debt, not just restate account numbers or balances. 
Verification must be meaningful : an original signed contract or other documentation proving I am the true obligor. No such evidence has been provided. 

3. Inaccurate Credit Reporting Continuing to report this account to credit bureaus without proper validation violates both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to conduct a reasonable investigation and correct inaccurate information. 
Simply restating data from the prior creditor without proof of my responsibility is not a reasonable investigation. 

4. Shifting the Burden of Proof Spring Oaks Capitals demand that I complete a fraud affidavit, provide a police report, or supply FTC reports improperly shifts the burden of proof onto me. 
Under federal law, the burden lies with the furnisher/collector to substantiate the debt before continuing to collect or report it. 
Their refusal to provide competent evidence while demanding I prove a negative is itself a violation. 

5. Requested Relief I respectfully request that the CFPB : Instruct Spring Oaks Capital to immediately delete this account from all consumer reporting agencies ( XXXX XXXX XXXX ). 
Require Spring Oaks Capital to cease collection activity unless and until they can produce competent, admissible evidence ( original signed agreement/application ) that proves I am contractually obligated. 
Monitor and enforce compliance to ensure this account is permanently removed and not resold or reinserted under another entity. 

This collection account is fraudulent, unsupported by evidence, and damaging to my credit profile. I request full removal and correction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Transactions and Denied Fraud Claim Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized transactions on my Chase account. 

In XXXX, I lost my card and immediately locked it through the Chase mobile app. Because of the card change, I was unable to review my transaction history at that time. Once I received my replacement card, I reviewed my statements and noticed several transactions that I did not authorize. 

I promptly reported these charges to Chases fraud department. However, the case recently closed with Chase stating that the transactions were authorized. This deeply concerns me, as I did not authorize these charges, nor did I benefit from them. I feel I am being held responsible for fraudulent activity that occurred while my card was lost and locked. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXXXXXX 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 XXXXXXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me. 

FCRA Violations Your actions violate multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Reinserted items must not be placed back into a consumers file unless the furnisher certifies the accuracy and completeness of the information, and written notice is provided to the consumer within 5 business days. You failed to comply. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of disputed items. No such proper reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Allowing an unverifiable and inaccurate item to reappear demonstrates reckless disregard of this duty.

15 U.S.C. 1681c-2 : You are required to block and remove information that is the subject of identity theft or inaccurate reporting upon notification. Reinsertion of unverifiable data is a clear violation. 

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA subjects you to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages. 

Demands Accordingly, I demand the following : Immediate deletion and permanent blocking of this account from my credit file. 
Written confirmation within 15 days that this account has been permanently deleted and will not be reinserted in the future without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Compensation for damages caused by your unlawful reinsertion, including but not limited to {$1000.00} per violation as allowed under 15 U.S.C. 1681n, as well as any actual damages sustained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX -Date Opened XX/XX/year> -Balance {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the account being reported by LVNV Funding LLC in the amount of {$480.00}, which is fraudulent and the result of identity theft. I have no knowledge of this debt, did not authorize it, and have never entered into any agreement with your company. This is a clear case of identity theft, and I demand immediate removal of this account from all of my credit reports pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. If this account is not deleted promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general, and I am fully prepared to pursue legal action for damages under the FCRA and other applicable laws. Any continued attempt to collect on this debt or failure to properly investigate and correct this matter will be seen as willful noncompliance, subjecting you to potential civil liability. I have enclosed identification and supporting documentation, and I expect written confirmation that this account has been permanently removed from my credit file. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-10 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is violating my rights and haven't validated information under 12 CFR 1006.34 ( b ) ( 5 ). Yet a collections account has been placed on my consumer report recently. I have made attempts to fix this issue with them, and they are violating my rights. I'm entitled to {$1000.00} for every violation. They need to either pay me or delete this account ASAP.

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 2025-09-10 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:
I am formally disputing the fraudulent account listed below. You are now on notice that continued reporting of this unverifiable information places you in violation of the Fair Credit Reporting Act ( FCRA ). 
Creditor/Collector : XXXX XXXX XXXX XXXX XXXX ( alleged assignee of XXXX XXXX XXXX  ) Account XXXX XXXX XXXX Reported Balance : {$28000.00} Date Opened ( per reporting ) : XX/XX/year> XXXX. Fraudulent Account No Proof of Obligation I have never applied for, opened, authorized, or benefitted from any account with XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. This account is fraudulent. XXXX XXXX XXXX has failed to produce any competent evidence ( such as an original signed agreement or application ) proving I am contractually liable. A bill of sale between debt buyers does not constitute proof of my obligation. 

2. Your Legal Obligations As a credit reporting agency, you are legally required under the FCRA to : Ensure that only accurate, verifiable information is reported ( 15 U.S.C. 1681e ( b ) ) ; Conduct a reasonable investigation of this dispute ( 15 U.S.C. 1681i ) ; Delete unverifiable, inaccurate, or incomplete information within 30 days of this notice ; Provide me with the method of verification if you choose to verify the account ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 

Failure to do so will be documented as willful noncompliance and subject you to liability for statutory damages, actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o. 

3. Demand for Immediate Action Accordingly, I demand : The deletion of this fraudulent account from my credit file within 30 days. 
A written explanation of the method of verification used if you attempt to verify this account. 
Notification to all other credit bureaus of this deletion as required by law. 

4. Notice of Potential Litigation If this account is not permanently deleted or if you continue to report unverifiable information, I will have no choice but to pursue all available legal remedies, including filing complaints with the CFPB, my State Attorney General, and pursuing a private right of action in federal court.

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 2025-09-10 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:
I cant understand why these inaccurate accounts are still sitting on my credit report when they should have already been taken off. I am begging that the documents Ive sent be examined carefully so this nightmare can finally be put to rest once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This complaint is regarding 3 separate fraudulent accounts appearing on my consumer FICO credit report : a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Secured loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a Secured loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent Late Payments appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Late payments, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, Late Payments, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payment, and hard inquiries are the result of identity theft and fraud.

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 2025-09-10 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: CA

Complaint narrative:
I submitted disputes to Experian regarding accounts on my credit report that contain factual inaccuracies and reporting errors. These accounts not only contain data that does not match my records, but they are also being reported inconsistently compared to other credit bureaus. I provided detailed information highlighting the discrepancies and requested a proper reinvestigation. Despite my disputes, Experian continues to report inaccurate information and has not corrected or removed the disputed accounts, which is damaging my credit profile unfairly.

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