vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I have a fraud alert on my credit file with all 3 credit agencies, including Experian. I've tried reaching out to Experian to update the fraud alert on my credit file with my phone number 3 times and now I can't get transferred to a representative. I'm not allowed to update the fraud alert online.

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 2025-04-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-04-15 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: OH

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hi~ We received 2 letters this year from our loan servicer, Mr. Cooper , indicating our property was located in a flood zone V and that we needed to obtain flood insurance. This is incorrect, as per the flood map we are in a flood zone X. When I called twice and disputed what the letter stated and after being put on hold for extended periods of time was told we needed flood insurance because we are located in a XXXX This is not what the letter says. At no time did they prove we are located in a flood zone V. Our insurance Agent submitted flood zone determination as well. Also, we are located in a condominium and approximatelhy 45 feet above ground. Per the letter and the last person I spoke with we needed to have a flood policy effective XX/XX/year>2025. Otherwise they would force place. I have since found out Mr. Cooper is targeting customers in our area and sending these same, inaccurate letters. I am interpreting this as predatory lending. I want no part of unethical practice and am reporting this information to as many entities as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
I submitted a formal request to Spring Oaks Capital LLC on XX/XX/year>XXXX  requesting validation of a debt they claim I owe. Specifically, I asked for proof that the debt is mine, a breakdown of the amount owed, and documentation showing their legal authority to collect the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 

Despite my request, Spring Oaks Capital LLC has failed to provide proper validation within the required timeframe. They have also continued collection efforts and/or reported this unverified debt to the credit bureaus, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I am requesting that the CFPB take action to ensure that Spring Oaks Capital LLC either validates the debt properly or ceases collection efforts and removes any reporting of the debt from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Subject : Request for Debt Validation Dear Spring Oaks Capital LLC, I am writing in response to your [ letter/phone call ] dated XX/XX/year>, in which you claim that I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written validation of the debt, including the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3. A copy of any signed agreement or contract proving my obligation to the debt.

4. Proof that you have the legal authority to collect this debt, including any assignment or transfer of ownership.

5. The date of the last payment made on this account. 

Until this information is provided, I request that you cease any collection activities, including reporting this debt to credit bureaus, as unverified debts must not be reported under the Fair Credit Reporting Act ( FCRA ). 

If this debt is validated, I request all further communication be in writing. If you are unable to validate the debt, I request that you remove any reference to it from my credit report and cease further collection efforts. 

Please consider this letter a formal dispute of the debt. I expect your response within the legally required 30-day period.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I never opened an account with American express, when I tried to call them asking if they could remove this off my account they said they couldn't. I then express to them I never in my life lived in XXXX NC where I had to have this address removed from my credit profile. I was a victim of fraud. 

AMEX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit No Info Monthly payment No Info Opened XXXX XXXX, XXXX ( 4 yrs, 6 mos ) Payment History Youve made 0 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Late Unknown Last payment No Info Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Credit Card Responsibility Terminated Remarks No Info Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a new business account. Under XXXX XXXX on XXXX. Account number XXXX Wells Fargo On XXXX I made the mistake of depositing t two checks on the wrong account I deposited in my XXXX XXXX business instead of my XXXX XXXX  business account XXXX I deposited check ref # XXXX for XXXX and ref # XXXX for XXXX On XXXX I went to withdraw some of the money and they told me my account was suspended following an investigation. They told me they were going to close my account following the investigation and send me a. Check for the balance. 
I made an appointment onXXXX XXXX and XX/XX/year> to fix the issue I submitted my fictitious business name on XX/XX/year> and then again on XX/XX/year> and on XX/XX/year> they closed my account and took the funds I called their loss prevention team and they told me they had the right to remove funds from my account and there was nothing I can do. They also stated they would not return the funds to the person who made me those checks

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 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-15 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: MD

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX Equifax, and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. 

EQUIFAX AND TRANSUNION HAS YET TO REMOVE XXXX XXXX XXXX FROM MY ACCOUNT BUT XXXX  HAS .. HOW IS SOMETHING STILL BEING REPORTED THATS NOT ME AND HAS BEEN DELETED FROM ANOTHER CREDIT BUREAU?

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 2025-04-15 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-15 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: MD

Complaint narrative:
I submitted a formal identity theft dispute to Experian RentBureau, in compliance with FCRA 605B. My submission included : A valid FTC Identity Theft Report A copy of my government-issued ID A written request to block and delete a fraudulent rental collection account that does not belong to me Despite meeting all the legal requirements for a Section 605B block, Experian improperly contacted the furnisher of the information, which is explicitly prohibited under FCRA 605B. They also placed a fraud alert on my report which I did not request and failed to block and delete the fraudulent account as required by law.

I am requesting that the CFPB ensure Experian RentBureau immediately delete and block the fraudulent collection from my credit report and take corrective action for their noncompliance with federal law.

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 2025-04-15 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-04-15 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
RE : FORMAL DISPUTE OF INACCURATE COLLECTION ACCOUNT ON XXXX  CREDIT REPORT To Whom It May Concern : I am writing to formally dispute an alleged collection account that appears on my XXXX  credit report. After careful review of my credit reports and financial records, I have determined that this collection account is not mine and was erroneously reported to my credit file. I respectfully request an immediate investigation and subsequent removal of this inaccurate information.

* * ACCOUNT DETAILS IN DISPUTE : * * - Account Name : CREDENCE RESOURCE MANAGE - Account Number : XXXX - Account Type : Collection - Date Opened : XX/XX/XXXX - Status : Collection account, {$230.00} past due as of XX/XX/XXXX - Balance : {$230.00} * * LEGAL BASIS FOR DISPUTE AND REMOVAL : * * XXXX. * * Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) * * - This section of the Fair Credit Reporting Act requires consumer reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. I assert that this account does not belong to me and should be removed following investigation.

2. * * Violation of FCRA Section 623 ( b ) * * - This section requires furnishers of information to consumer reporting agencies to conduct an investigation with respect to the disputed information. I have no prior relationship with this creditor and have never received any validation of this debt as required by law.

3. * * Violation of FCRA Section 605 ( a ) ( 4 ) * * - This provision limits reporting of collection accounts to seven years. While this account has not yet reached that limit, its improper placement on my report constitutes a violation of accurate reporting standards.

4. * * Violation of FDCPA Section 809 * * - The Fair Debt Collection Practices Act requires debt collectors to provide validation of debts. I have never received any validation notice regarding this alleged debt, which further supports my claim that this account does not belong to me.

* * REQUEST FOR ACTION : * * Pursuant to my rights under the FCRA, I request that the CFPB : 1. Initiate an immediate investigation into this disputed account 2. Forward my dispute to XXXX  and Credence Resource Management 3. Require both parties to provide complete documentation verifying this debt belongs to me 4. Remove this account from my credit report if it can not be properly verified as mine 5. Provide me with the results of this investigation and all supporting documentation Under the FCRA, both the credit reporting agency and the furnisher of information are required to conduct a reasonable investigation and must remove or correct information that can not be verified. Based on my records and financial history, I am confident this account can not be verified as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I have never received anything in response to my dispute no written response to the quality of the investigation I've been completely ignored and I have noticed that my credit scores have even been attacked lately because of my disputes so I'm filing this under 15 USC 1692 d, e and f which is self explanatory I am holding these agencies accountable for all their misdeeds in accuracies not taking care of misinformation not taking care of inaccurate information and quotes just to name a few no response to any disputes in writing letting you know about the investigation at all these companies have completely taken advantage of 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 2025-04-15 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:
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