vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
Complaint Summary ( for CFPB portal ) Companies involved : Experian ; Equifax ; TransUnion Product : Credit reporting Issue : Unauthorized inquiries/ Identity theft / Failure to block under FCRA 605B / Failure to provide Method of Verification What happened I am disputing unauthorized hard credit inquiries on my consumer reports and requesting identity-theft protections. I did not apply for credit or authorize these pulls. I sent the bureaus a certified dispute demanding deletion or reclassification to soft, Method of Verification ( MOV ) under FCRA 609 ( a ) and 611, fraud alert under 605A, and identity-theft blocking under 605B. I also requested personal-information cleanup ( Metro 2 Code 112 ) to remove old/incorrect addresses and name variations that contribute to mixed-file issues.

Despite my dispute and supporting documents ( FTC Identity Theft Report and police report ), the disputed inquiries remain and/or the bureaus have not provided proper MOV ( signed authorization or valid e-signature with IP/timestamp ). This violates FCRA 604, 607 ( a ) - ( b ), 609 ( a ), 611, and 605B. 

Disputed hard inquiries ( not authorized by me ) TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Identity-theft & mixed-file facts I filed an FTC Identity Theft Report [ FTC Ref # : XXXX ] and a police report [ Case # XXXX XXXX  ].

I requested immediate 605B blocking of any inquiry that can not be tied to my verified identity with competent evidence ( signed authorization or valid e-signature + IP/device logs ). 
I requested fraud alert placement/continuation under 605A.

I requested removal of incorrect identifiers ( old/unauthorized addresses and name variations ) to stop mixed-file propagation. 

Prior notice to companies On [ mailing date ], I sent a consolidated dispute by certified mail to Experian, Equifax, and TransUnion. My package included government ID, proof of address, the FTC report, the police report, highlighted report pages, and a demand for MOV. As of today, the inquiries remain and/or the bureaus did not provide the legally required verification documents.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC has been repeatedly contacting me regarding an alleged debt that they purchased from another company. Despite my requests for verification of the debt, they have continued to call me, send collection letters, and recently filed a small claims court action against me. 

These actions began around [ insert approximate start date, e.g., XX/XX/year> ], and have continued up to the present date. I have made multiple attempts to resolve the matter and asked them to stop contacting me, but the harassment and legal threats have persisted. 

Their conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection activity after I requested verification and by engaging in repeated and unwanted contact. I am seeking for LVNV Funding LLC to stop all communication and collection efforts unless they can properly validate the debt as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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 paid on time a few monthly payments and now i see that i have a lot of late paymets informs on my credit report, this false reports affected my credit report and now my credit went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
i paid on time a few monthly payments and now i see that i have a lot of late paymets informs on my credit report, this false reports affected my credit report and now my credit went down.

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 2025-10-12 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: CO

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I am submitting this complaint against Equifax, TransUnion, and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations Metro 2 compliance standards.

I am a confirmed victim of identity theft caused by the Equifax and TransUnion data breaches. As a result, my personal information was exposed and my credit report now includes inaccurate, unverifiable, and misleading information that has not been corrected despite multiple disputes.

The following accounts are being reported in violation of federal law and Metro 2 reporting requirements : XXXX XXXX : Reported as a charge-off or collection without any written verification or permissible purpose. If a 1099-C was filed, continuing to report a balance is misleading and violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as Metro 2 2.2.2. 

XXXX XXXX XXXX XXXX : Reported as a collection/charge-off with an open balance but no contractual proof or validation. The bureau also failed to apply the Compliance Condition Code = XB when I disputed, violating FCRA 609 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 1.3. 

XXXX XXXX Services : Fraudulent account that does not belong to me. Reporting unverifiable or unauthorized information violates FCRA 605B ( b ), 623 ( a ) ( 6 ), and Metro 2 6.2. I am requesting immediate identity theft blocking under FCRA 605B and 609 ( e ). 

XXXXXXXX XXXX : A paid and closed mortgage account is being reported with an inaccurate late payment. This violates Metro 2 1.3 and 2.1, and FCRA 607 ( b ).

I have submitted multiple disputes and none of the credit bureaus have provided proper verification, reinvestigation results, or accurate corrections. This continued reporting violates FCRA 605 ( a ), 605B, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

I am requesting immediate reinvestigation, deletion, or correction of all inaccurate and unverifiable accounts, along with full source documentation under FCRA 609 ( a ) ( 1 ) ( A ).

I am also requesting identity theft blocking within four ( 4 ) business days as required by FCRA 605B. 

Failure to comply will result in escalation for willful and negligent noncompliance under FCRA 616 and 617. 

A sworn affidavit and supporting documentation are attached for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
I am disputing inaccurate reporting of my XXXX account on my Equifax credit report. The account is being reported as charged-off or showing late payments, but this information is incorrect. This account was either paid, closed in good standing, or otherwise resolved, and should no longer reflect any delinquency or negative payment history. 

I have already disputed this directly with the credit bureau and the furnisher, but the inaccurate status remains. This is causing harm to my credit profile and is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit bureaus to ensure the accuracy and completeness of information reported. 

I am requesting that this inaccurate status be fully investigated, verified, and corrected or deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a credit account that was opened under my name and now Im getting harassed with calls from that bank. I have reported it as identify theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
It says the account was opened on XX/XX/year> for {$2000.00} with Affirm Inc, but this never should have been opened. Someone has stolen my social security number and has been trying to open many lines of credit and they were all denied except for this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and demand the removal of inaccurate and outdated personal identifying information currently listed on my credit report. 
The only accurate and verified identifying information that should remain on my credit file is : Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Any other names, aliases, addresses, or employment information listed on my file are inaccurate, obsolete, or unverifiable and must be permanently deleted. 
This includes, but is not limited to : All prior name variations including XXXX XXXX, XXXX XXXX XXXX, or any misspellings. 
Any past addresses other than XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 
All outdated or incorrect employment identifiers previously reported ( e.g., XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) which are no longer valid or verified. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( a ) failure to ensure fair and accurate credit reporting.

FCRA 607 ( b ) duty to assure maximum possible accuracy of the information.

FCRA 611 ( a ) obligation to reinvestigate disputed information.

Knowingly maintaining or failing to correct inaccurate personal information is also subject to civil liability under : 15 U.S.C. 1681n willful noncompliance.

15 U.S.C. 1681o negligent noncompliance.

I am demanding the immediate deletion of all inaccurate personal identifiers and confirmation in writing that these corrections have been made.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute and demand the removal of inaccurate and outdated personal identifying information currently listed on my credit report. 
The only accurate and verified identifying information that should remain on my credit file is : Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Any other names, aliases, addresses, or employment information listed on my file are inaccurate, obsolete, or unverifiable and must be permanently deleted. 
This includes, but is not limited to : All prior name variations including XXXX XXXX, XXXX XXXX XXXX, or any misspellings. 
Any past addresses other than XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 
All outdated or incorrect employment identifiers previously reported ( e.g., XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) which are no longer valid or verified. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( a ) failure to ensure fair and accurate credit reporting.

FCRA 607 ( b ) duty to assure maximum possible accuracy of the information.

FCRA 611 ( a ) obligation to reinvestigate disputed information.

Knowingly maintaining or failing to correct inaccurate personal information is also subject to civil liability under : 15 U.S.C. 1681n willful noncompliance.

15 U.S.C. 1681o negligent noncompliance.

I am demanding the immediate deletion of all inaccurate personal identifiers and confirmation in writing that these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WY

Complaint narrative:
I have been on an IDR policy since XXXX of 2024. I have consistently made my monthly payments by auto payment on the XXXX of every month. I have consistently made additional payments towards the principal balance of my loans, these are made as a separate payment. This month, my monthly payment was not withdrawn due to a cancellation of my repayment plan by Mohela. I received no notice ( email or mail ) from Mohela. I was only aware due to a notice on the website that I had missed a payment. 

Additionally, my overall principal balance increased by {$2300.00}. On my individual loans- the interest has been paid in full every month.

Company response to consumer: In progress
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
HomeDepotXXXX Representative stated refunds have not been processed for the following orders and refund amounts. I have filed several complaints and disputes since last XX/XX/year> billing statement because my account has been overcharged. Missing refunds have consumed $ XXXX of my credit limit. Please process my refunds ASAP. 

XXXX {$84.00} XXXX {$2200.00} XXXX {$380.00} XXXX XXXX {$2200.00} XXXX {$1100.00} {$160.00} {$17.00} {$180.00} {$25.00} {$16.00} {$190.00} {$35.00} {$92.00} {$18.00} {$190.00} {$7.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I never did business with this company. Why do they have my info? Where did i sign documents with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
I am formally disputing the inaccurate reporting of a XXXX late payment by TransUnion for my XXXX XXXX XXXX XXXX XXXX XXXX 
According to the detailed side-by-side credit report comparison, XXXX and XXXX both correctly report this account as Current with no late payments, while TransUnion is inaccurately displaying XXXX XXXX late payment indicator for XXXX, XXXX, and XX/XX/year>, despite clear payment consistency and no delinquency reported by the creditor. 

This discrepancy shows that TransUnion has failed to ensure data accuracy and consistency, violating FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Furthermore, under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation, provide evidence of the data furnished, and correct or delete the information that can not be verified.

To date, TransUnions responses have been evasive and incomplete, failing to provide any documentation or validation from the furnisher ( XXXX XXXX XXXX ) to support the continued reporting of this alleged late payment. This lack of substantiation not only breaches the FCRA but also causes measurable harm to my creditworthiness, resulting in financial setbacks, delayed approvals, and emotional distress due to prolonged misreporting.

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