vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Debt collectors are attempting to collect on a time-barred mortgage debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. After exhausting his administrative remedies by sending the debt collectors pre-litigation notices that included a Non-Negotiable Notice of Conditional Acceptance, a Notice Negotiable Notice of Fault & Opportunity to Cure , and a Non-Negotiable Notice of Default in Dishonor and Estoppel. Debtor also sent debt collectors commercial affidavits that were not rebutted. After failing to respond to the notices and rebutting the affidavits, I assisted the debtor with preparing and filing with the county recorder a Deed of Reconveyance. I also assisted the debt collector with filing a UCC-1 Financing Statement with the California Secretary of State. Debtor then filed a lawsuit against the debt collectors for an administrative default order. Respondents have responded by filing a Third-Party counterclaim naming me and my business as co-defendants and recording a Notice of Default on the debtor 's property initiating foreclosure actions on a debt last paid in XX/XX/XXXX which became time-barred under California law no later than XXXX. 

Filing judicial lawsuits and third-party claims based on the time-barred debt is prohibited under Regulation F. Retaliating against consumers and third parties assisting consumers by wrongfully including them in lawsuits, without a lawful basis, is in violation of federal law. Ignoring pre-litigation debt validation notices and commercial affidavits is against state and federal law.

Judicial harassment through lawsuits based on invalid, unenforceable debts is prohibited under federal and state law, yet Respondents continually attempt to enforce the debt and are coming after me and my business for assisting the debtor, causing emotional distress, reputational harm, and economic damages as a result of defending against baseless claims. As a business owner, the debt collectors are trying to intimidate me by generating fear in obtaining new potential clients to stop them from going after other unsuspected homeowners. Their actions are violating my consumer rights under federal law.

Debt collectors are continuing to attempt to enforce a time-barred debt using the judicial system, which is prohibited. Debt collectors have been made aware of the fact that the debt is time-barred and they do not care. This type of behavior can not not and should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: CO

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified collection account reported by SPRING OAKS CAPITAL, account number XXXX, listed under my credit profile. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as well as consumer protection statutes of the State of Delaware ( Delaware Code, Title 6, Chapter 25 ), you are required to report only accurate, complete, and fully verifiable information. 

This account, allegedly opened on XX/XX/XXXX, with a reported balance of {$10000.00} as of XX/XX/XXXX, is incorrect and unsubstantiated for the following reasons : Validation of Debt ( 15 U.S.C. 1692g ) : I have never received legally sufficient validation from SPRING OAKS CAPITAL or any previous entity claiming the legitimacy of this debt. Under the FDCPA, SPRING OAKS CAPITAL was required to provide validation upon initial communication, which they failed to do.

Accuracy and Completeness ( 15 U.S.C. 1681s-2 ) : The account details, including balance, date opened, and payment history, are inaccurately reported and inconsistent with my records. The account is inaccurately listed as " Open, '' with no terms or payment arrangements clearly defined or disclosed.

Re-aging of Debt ( FCRA and FDCPA Violations ) : I believe this account may have been improperly re-aged, violating federal regulations which prohibit altering dates to extend the reporting period of negative items.

Delaware Consumer Law Compliance : Under Delaware consumer protection laws, specifically Title 6, Chapter 25, Section 2513, unfair practices in debt collection and inaccurate credit reporting are prohibited and actionable offenses. 

Therefore, I formally request that you investigate this matter comprehensively. As per FCRA 611 ( a ) ( 1 ) ( A ), you have 30 days from receipt of this notice to verify this account directly with SPRING OAKS CAPITAL. If you are unable to verify the complete accuracy and authenticity of this debt with original documentation, including but not limited to a copy of the original signed agreement, detailed account statements, proof of transfer of the alleged debt, and legitimate proof of the balance claimed, you must remove this item from my credit file immediately. 

Failure to comply fully with these verification requirements under federal and state laws will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Delaware Attorney Generals Consumer Protection Unit, and pursuing legal remedies for damages as permitted by law.

Please provide me with the results of your investigation in writing within the statutory timeframe. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Attn : Consumer Affairs Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Urgent Response and Escalation CFPB Complaint # XXXX Dear Experian, Your recent verification of disputed information under CFPB Complaint # XXXX is unacceptable and lacks legal sufficiency. Your obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), requires full transparency and detailed documentation regarding the verification methods used, which you have not provided.

I challenge the alleged " verification '' provided by Experian due to : 1. Ambiguities and inconsistencies remaining unresolved in the report.

2. Failure to disclose the specific verification process used to confirm the accuracy of disputed entries.

3. Lack of legally required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

4. Continued reporting of accounts linked to unauthorized inquiries violating 15 U.S.C. 1681b. 
XXXX. Potential violations of consumer privacy and security under the XXXX XXXX ( XXXX ), 15 U.S.C. 6802, exacerbated by the recent data breach involving Experian and XXXX XXXX. 
Additionally, the Supreme Court ruling in XXXX, XXXX XXXX XXXX XXXX XXXX  ) confirms that inaccuracies alone constitute concrete harm, making your continued reporting legally actionable. 
Therefore, within fifteen ( 15 ) calendar days, provide the following : * A complete and detailed description of the verification methods and specific documents reviewed. 
* Full debt validation for each disputed account per FDCPA standards, including signed contracts and verifiable proof of debt ownership.

* Immediate removal of any accounts or inquiries that lack proper verification, permissible purpose, or full compliance with Metro 2 guidelines.

Should you fail to provide the requested evidence or continue your non-compliant reporting practices, I will escalate this issue immediately with additional filings to the CFPB, FTC, the Attorney Generals Office, and proceed with litigation seeking statutory and punitive damages.

This is your final notice. 
Sincerely,

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 2025-04-28 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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-28 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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-28 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing 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 : 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- Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-04-28 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: DE

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 2025-04-28 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: TN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers fro
m abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not allow me to cancel my free account with them. They currently have several pieces of personal data which they will not delete. I have called and emailed and their phone recording systems throws you into a loop then kicks you out without helping.

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