vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I used WISE to send an International wire transfer to a company in XXXX. The invoice was for XXXX, and in order to pay I had to ACH the equivalent USD amount ( {$1600.00} on XXXX ) to WISE so that WISE would then perform the final wire transfer. The problem is that I can't see the transaction history in my account, and the tracking links in the WISE emails do not work. I don't know if the money ever got to the destination. 

TO make matters worse, in the interim, I followed WISE instructions to verify my account ( sending a recent bank statement with my LLC address on it ), and instead of verifying my account they immediately closed it. When I called to try and sort it out, the costumer reps claim that they can't see my transfer details, and that I need to wait ( up to 30 days ) to let the appeals process work. 

At this point my view is that WISE stole my money, and I need to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, 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, collections, 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This company Concora Credit is falsely reporting to the major credit bureaus. 

They manage : Destiny Card Milestone Card I made an on time payment on a Friday before XXXX. 

Concora credit will charge your account a late payment fee and then reverse it the next business day because their payment system doesnt update after XXXX on Friday and if your due date falls on a weekend day you will need to pay by XXXX on Friday. To avoid this from happening to your account. 

Even though their system cant process any payment after XXXX on Friday. Concora credit still some how reports to the major credit bureaus especially XXXX  that you have had a balance increase and then this then affects your credit utilization, which then directly affects your credit score. 

They are FALSELY REPORTING A BALANCE THAT IS INCORRECT before their system can post payments. No telling how many people are being affected by this practice. 

THEY SHOULD NOT BE REPORTING TO THE CREDIT BUREAU UNTIL AFTER THEIR SYSTEM POSTS PAYMENTS FROM THE WEEKEND. 

I have a complaint with the CFPB for a Saturday payment I did and my credit score was affected. They told me to do my payment on Friday before XXXX. So I did as they told me, I paid my payment at XXXXXXXX XXXX and it did the same thing and they reported to XXXX  my balance went up {$74.00}. That was incorrect and my score dropped by XXXX points. When this happens they do not go back and report again to correct the balance. They just refund the late payment fee. In which they have to because that is incorrectly charged. 

I spoke to someone with Concora credit and told them Im calling a lawyer because this was way bigger than me. They next day all XXXX of my credit cards are blocked with N/A I cant access anything. 

Someone Please please help me, help us. This process is so wrong, and on top of that they are charging almost {$20.00} a month in an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XXXX XXXX XXXX I received my credit report from all 3 credit bureaus ( XXXX XXXX XXXX XXXX ). Upon reviewing these reports, I found accounts that I didn't open. I am a victim of identity theft and the accounts I found are fraudulent and have resulted in fraudulent charge-offs and fraudulent collections. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Midland Credit management , stop reporting on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with Midland Credit management on XXXX in the amount of {$20000.00}. I reached out to them telling them that I am a victim of identity theft and this account was not opened by me.The accounts have resulted a fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. A copy of the consumer credit report which shows the aforementioned fraudulent item. I do not recognize the aforementioned account collections as reported. The aforementioned account collections appearing on my consumer credit report were not opened, made, or initiated by me. The aforementioned account collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In 2020, during the XXXX pandemic, I had to vacate my apartment at XXXXXXXX XXXX XXXXXXXX due to financial hardship. I had a verbal agreement with the leasing office that I would not be charged any penalties or early termination fees due to the emergency situation. I was told I could leave without further obligations. 

Several months later, I received notice that I owed {$6400.00}. The amount included charges I never agreed tosuch as full lease payments after move-out, cleaning and repair fees I was never informed of, and no opportunity was given to inspect or address the repairs myself before they charged me. I asked the company for a full breakdown and proof of these charges, but I never received a valid or complete response. 

This account was then sent to collections without proper communication or written notice. I tried disputing the item before, but nothing was removed. 

I am requesting a full investigation and deletion of this collection from my credit report. This collection is unfair, inaccurate, and based on broken verbal terms during a national crisis .The attached document is a copy of my credit report, which shows the disputed debt of {$6400.00} reported by XXXX XXXX XXXX XXXX . This debt is inaccurate, and Im requesting a full investigation and removal. I could not locate the original lease or agreement, but this is the only documentation I currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my Equifax credit report related to the account listed under XXXX XXXX XXXX. After reviewing my report, I noticed several discrepancies that I believe require immediate correction. 

Account in Question : Creditor Name : XXXX Card Services Balance Reported : {$620.00} Credit Limit : {$500.00} Credit Utilization : 125 % Reported Delinquency : 30, 60, and 90 days past due ( XXXXXXXX XXXX ) Bureau Reporting : Equifax only I believe the information being reported is either outdated, misrepresented, or does not reflect the true payment history of this account. Additionally, I do not recall granting explicit authorization for this information to be reported in its current state, which may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that you verify the accuracy and legal basis for including this information. 

Furthermore, reporting information to a credit bureau without my explicit consent particularly if the debt is invalid or inaccurately represented may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never authorized the reporting of this account in its current form, and I insist that you verify both the legitimacy of the debt and your legal authority to report it.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my Equifax credit report related to the account listed under XXXX XXXX XXXX. After reviewing my report, I noticed several discrepancies that I believe require immediate correction. 

Account in Question : Creditor Name : XXXX Card Services Balance Reported : {$620.00} Credit Limit : {$500.00} Credit Utilization : 125 % Reported Delinquency : 30, 60, and 90 days past due ( XXXXXXXX XXXX ) Bureau Reporting : Equifax only I believe the information being reported is either outdated, misrepresented, or does not reflect the true payment history of this account. Additionally, I do not recall granting explicit authorization for this information to be reported in its current state, which may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that you verify the accuracy and legal basis for including this information. 

Furthermore, reporting information to a credit bureau without my explicit consent particularly if the debt is invalid or inaccurately represented may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never authorized the reporting of this account in its current form, and I insist that you verify both the legitimacy of the debt and your legal authority to report it.

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have never had a bank account in my name this is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX  I authorize a XXXX dollar transaction to my apple pay account using chase bank. But then 3 more transaction happen that were unauthorize each for XXXX, for a total of XXXX of unauthorize transfer. I called both chase and XXXX to report the fraudulent transaction, but I also lost the initial XXXX that I authorize. At least one of my accounts was compromised. This causing me to be overdrafted on my chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
This application to assume the loan from my sister began in XX/XX/XXXX I have had several contact people that I have dealt with. 
I keep submitting the same documents over and over. 
The amount needed to close changes considerably. 
I originally started this process in XXXX and was told it would take a long while because of covid, which I understood. 
I have dwindled my savings because I was going to buy a truck which is the profession I have had for XXXX  years. I was told not to buy anything until I close. So instead of making XXXX to XXXX XXXX weekly, I had to take a temporary job making {$1500.00} a week. 
I am a single father and this has been just an unbelievable, terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear Portfolio Recovery Associates, This letter is in response to a collection account listed on my credit report in your companys name, allegedly related to a credit card debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), 15 U.S. Code 1692g, I am requesting that you provide full validation of the debt you claim I owe.

Please provide the following documentation to properly validate this alleged debt : A copy of the original credit card agreement bearing my signature A full accounting of the amount you claim is owed, including all charges, payments, fees, and interest applied Proof that you are authorized to collect this debt ( assignment or purchase agreement from the original creditor ) The name and address of the original creditor Proof that you are licensed and legally permitted to collect debts in my state Until this debt is fully validated, I request that you : Cease all collection activity Cease reporting this debt to all consumer reporting agencies Mark the account as disputed on any report to the credit bureaus If you fail to validate this debt within 30 days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I reserve the right to take legal action if my rights under the FDCPA or FCRA are violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 I looked at Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i ( a ) ( 5 ) ( A ), if after a reinvestigation an item is found to be inaccurate, incomplete, or unverifiable, the credit reporting agency must promptly delete or modify the information and notify the furnisher of that action. Additionally, 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) and 1681 b ( a ) ( 1 ) prohibit any person or data furnisher from reporting information they know or have reasonable cause to believe is inaccurate. Any continued furnishing or re-reporting of such information violates 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 non-monetary relief
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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, collections, 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 non-monetary relief
Consumer complaint received 2025-06-28 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: MD

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

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-06-28 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: Security Credit Services, LLC
State: MN

Complaint narrative:
On XX/XX/year> I received my credit report from all 3 credit bureaus ( XXXX, XXXX  and XXXX  ). Upon reviewing these reports, I found accounts that I didn't open. I am a victim of identity theft and the accounts I found are fraudulent and have resulted in fraudulent charge-offs and fraudulent collections. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Security Credit Services stop reporting on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with Security Credit Services on XXXX in the amount of {$4100.00}. I reached out to them telling them that I am a victim of identity theft and this account was not opened by me. The account has resulted in a fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. A copy of the consumer credit report which shows the aforementioned fraudulent item. I do not recognize the aforementioned account collections as reported. The aforementioned account collections appearing on my consumer credit report were not opened, made, or initiated by me. The aforementioned account collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that the aforementioned consumer credit account collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been unable to apply for financing since XXXX of XXXX  with any Leander 's that use Experian credit reporting agency due to an error with Experians system saying that my credit file is locked or missing. I have unlocked my credit file through the app and online, I called Experian and spoke with them on XX/XX/XXXX, XXXX and XXXX and explained to them that nobody can pull my credit report due to Experians system say its locked. I even spoak with a manager that would only give me her first name, no employee ID they were no help and just keep telling me that it shows its unlocked on there end and and that I have no fraud alerts, that I was possibly entering the information incorrect. I filled out the information on the credit app personally myself so I know it was entered in accurately. I have had a total of at least 4 different car dealerships any many credit card companies turn me down for credit due to an error saying my Experian credit file is locked. Please Please help me because Experian has been no help at all. I feel like they are holding my credit report hostage.

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