vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am submitting this formal response as the company has not provided full and proper validation of the alleged accounts under FDCPA or FCRA. 
Spring Oaks Capital uploaded billing statements, internal records, and a generic bill of sale, but failed to provide the following : A signed contract between myself and the original creditor A clear chain of assignment that proves legal ownership of the debt A detailed itemization of the charges, dates, and amounts owed XXXXXXXX XXXXcompliant data to support their reporting of charge-off balances and payment history These items are required under FDCPA 1692g ( b ) and FCRA 1681s-2 to legally report and collect this debt. Their response is insufficient, and they continue to furnish data that has not been fully verified. 
I am requesting that these accounts ( ending in XXXX and XXXX ) be immediately and permanently deleted from all credit reporting agencies. Continued reporting of unvalidated accounts is a violation of federal law. 
I have included a formal Notice of Intent to Sue outlining these legal violations, and will escalate to the FTC, Illinois Attorney General, and pursue damages in civil court if this matter is not resolved within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I just came across a credit inquiry on my report that I have XXXX knowledge of. I never applied for anything with this company, and I definitely didnt give permission for my credit to be pulled. As far as I can tell, this is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXXMy complaint is directly with Trans Union; they have not cooperated with removing alias names, addresses listed that I never lived at, and phone numbers never assigned to me.  I want these removed and taken off my credit report so that it is an actual reflection of my credit. \nPersonal Information to Be Removed\nA. Fraudulent Addresses (Never Lived At)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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I just checked my credit report today and was alarmed to find an unauthorized inquiry with no explanation. Its completely unexpected, and refreshing the page didnt change a thing. This is incredibly upsetting, and I want my submitted documents looked at closely and this issue resolved right away before it causes more 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 2025-04-21 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
There are 3 accounts listed on my credit report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: BTH Management
State: TN

Complaint narrative:
There are 3 accounts listed on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm contacting you regarding my stolen identity and would appreciate your assistance. Could you kindly remove the specific item and ensure that all other incorrect information is updated promptly? Your quick response would mean a lot to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This Complaint is against Customer Service at XXXX. Several years ago I opened up a XXXX account but was unable to use it because I did all business from a tablet, and XXXX requires a phone. Therefore I was unable to use this service after opening this account. Several years passed and I now do all business from a phone. So I go to open a XXXX account. It says I have another account. I forgot that I had opened one several years ago and hadn't used. I then call Customer Service and stayed on the phone for 45 minutes, with the worst Customer Service Representsitve you could imagine. He asked me many personal questions such as what I drove to work, among many other inappropriate questions. He would not help me open a new account nor access my old account. XXXX  needs to train their staff who represent XXXX Customer Service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
Subject : Request for Deletion and Correction of Personal Information Under FCRA & Metro 2 Compliance To Who It May Concern I am writing to formally request the deletion and correction of inaccurate and outdated personal identification information currently being reported on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

Please remove all variations of my name and previous addresses that are inaccurately associated with my profile. These errors are causing confusion and may be leading to reporting inaccuracies. 

Please delete the following : Names to be removed : 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 Additional Information : Please note that outdated names and previous addresses should not remain on the credit report, as they may trigger inaccurate account matching. I am requesting that only my current name and current address remain on file. 

Please conduct a thorough reinvestigation and provide confirmation of the deletions and corrections within the 30 days required by law. 

Thank you for your attention to this matter. 








Subject : Metro 2 Dispute Request Reinvestigation of Inaccurate Account Data In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements, I am formally disputing the accuracy of the following account information currently being reported on my credit profile. I request a full reinvestigation and deletion or correction as necessary. 


Creditor : XXXXXXXX XXXX  Account Type : Credit Card Reported Status : Charge-Off Metro 2 Code : 001 Dispute Reason : Charged off account inaccurate payment history Creditor : XXXX XXXX XXXX Account Type : Credit Card Reported Status : 30 Days Late Metro 2 Code : 112 Dispute Reason : Reported 30-day late payment not accurate Please correct or permanently delete the above-referenced accounts from my credit file. These items are inaccurate, unverifiable, or outdated. Please complete this reinvestigation within the 30-day time frame as required by federal law and notify me of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
On XXXX XXXX, 2025 I took a payday loan out from the XXXX XXXX located in XXXX, Kentucky, The amount due was XXXX which I have been doing for the last year. 
That day I was unable to make it to the store in time due to my job which requires me to travel sometimes all day. I called the store and asked XXXX if it would be possible to get an extension to pay it off. She called her manager and reported back to me she denied my request. In XX/XX/XXXX XXXX XXXX ran the check through my bank on XX/XX/XXXX and again on XX/XX/XXXX both transaction me XXXX in OD fees. I tried to get another loan with a different store and was told I still owe for another service. Apparently my account in the database at XXXX has not been released. I then had to pay XXXX XXXX a fee of XXXX and its still not clear for me to borrow. I have not had a XXXX to my name since XX/XX/XXXX. XXXX XXXX has been paid everything I owe them. I made 2 calls to the manager and she rejected my calls. 
My next payday is a long way from now and I desperately need this account cleared. 


Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC
State: CA

Complaint narrative:
This is a predatory tribal loan account that should not be on my XXXX report. Since XX/XX/XXXX, I have paid them over {$11000.00} on an {$1800.00} line of credit. This is several times the principal amount, which far exceeds the federal legal limit- they have already made more than their fair share off me. Due to the exorbitant amount in interest I paid to them, I was not able to focus on paying off my other debts, which has been holding me back in life. 

Since XX/XX/XXXX, I've had enough and stopped making payments to them. Earlier this month, they had the audacity to report the late payment to XXXX, despite already milking me dry. 

I would like this account to be deleted off my XXXX  report. The fact that they can't report to XXXX  or XXXX  already proves the legality of this situation.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I started receiving a bunch of spam emails in my XXXXXXXX XXXX Then I noticed that an order had been processed for pickup through my Best Buy account. After logging in and canceling the order, I discovered that there were three credit cards ( XXXX ) opened in my name, all linked to random addresses that I do not recognize. The only credit card I have on my Best Buy account that I opened is my Best Buy card through citi bank. The other three cards I have nothing to do with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
The response from Hunt & Henriques is an admission that they are in violation of the California debt collection laws. As a consumer the law allows me to request the debt collector from validating a debt they solicit in the state of California within 30 days of the notice being mailed to the debt collector which Hunt & Henriques has violated.

Company response to consumer: Closed with explanation