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 — Account information incorrect
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Subject : Formal Complaint Against Spring Oaks Capital LLC for Unverified and Inaccurate Collection Account Reporting ( FCRA Violations ) To Whom It May Concern, I am filing a formal complaint against Spring Oaks Capital LLC for reporting an unverified, inaccurate, and potentially re-aged collection account to TransUnion and other credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT IN DISPUTE : Debt Collector : Spring Oaks Capital LLC Original Creditor : XXXX XXXX  Account Type : Factoring Company Account Balance : {$730.00} Account Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Pay Status : >Collection< Remarks : Account information disputed by consumer ( FCRA ) ; Placed for collection Estimated Removal Date : XX/XX/XXXX FCRA Violations and Grounds for Dispute : 1. Failure to Validate the Debt ( FCRA 609 ) I have requested validation of this debt, including the original contract, billing history, and evidence of legal right to collect. Spring Oaks Capital has not provided any documentation in response. 

XXXX. Improper Verification After Dispute ( FCRA 611 ) Despite my formal dispute, Spring Oaks Capital continued to report the account with no proof of investigation or response to my dispute, which constitutes a violation of 611. 

XXXX. Inaccurate Reporting ( FCRA 1681e ( b ) ) The account may have been re-aged, given that the original delinquency date appears to be XX/XX/XXXX, yet Spring Oaks is reporting the account as opened in XX/XX/XXXX. This creates a misleading impression of recent delinquency and extends the duration of negative reporting. 

XXXX. Misleading Use of Factoring Company Label The tradeline is labeled as a Factoring Company Account, which does not clearly describe the nature of the debt. This classification is vague, potentially deceptive, and does not provide transparency required under FCRA. 

Summary of Harm : Spring Oaks Capitals actions have resulted in significant harm to my credit score and reputation, impacting my ability to secure housing and access to financial services. Their reporting practices violate my rights under the FCRA and demonstrate a lack of compliance with consumer protection laws.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was looking at my credit report and i saw 1 fraudelent inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank decreased my credit limit on 2 different cards stating credit score. I have always paid every month without missing one payment. This " business practice " that they are allowed to do, caused my credit score to drop drastically and then caused another drop due to credit utilization on those accounts going up. This is wrong to do to people, especially when they are paying their bill every month without fail. This does NOT help Americans to get ahead in any way regarding their credit score.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I woke up and opened my phone and seen messages that money got transferred and sent out of my account XXXX to XXXX different unauthorized fraudulent transactions. {$4300.00} in total was stolen out my account. Money I had in my savings account that got transferred into checking sent thru pay anyone in XXXX different transactions.Im so mad and confused and upset called chime immediately reported that i did not send my money out of my account someone gained acces to my account I dont who could have accessed my phone or how this occurred or who could have got access to my account I dont know who could have accessed it. So I Filed a claim over the phone XX/XX/XXXX immediately after it happen. Filed a police report XX/XX/XXXX attached my police report and screenshot I had to the emails notification and attached all that to the claim. Chime denied my claim stating no error occurred on XX/XX/XXXX I called immediately for an explanation and why I got denied. They said they dont now why I got denied theyre investigation team didnt have enough evidence to support my claim which is crazy. I need my money back from all the unauthorized transactions this is so wild {$4300.00} is gone that I had saved worked very hard for. I need chime to return my funds from the fraudulent unauthorized transactions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have a Debt/Collection for the Amount of {$820.00} And im not sure what it is from, ive never dealt or even contacted this company for any services. It is from Paramount Recovery S from XX/XX/year>

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: 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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My car has hit my a driver while park. the Insurance co. pay for the car and gap insurance payed the balance off. Ally stop/return all automatic payment set by me. when they stop payments I was never notify or authorized any changes to my account. Ally received to checks from the insurance company. They illegally stop payment and change my account without permission. They report negative mark and gave me a negative and low credit score. My credit has been affect for the last 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I paid for a membership on a website via PayPal, under the name XXXX and was not given access to the service for over a week. I disputed the charge after getting no response from the merchant. Only after PayPal reached out did the merchant grant access - well after a reasonable amount of time. 

I no longer wanted to do business with the merchant by that point and believe I am entitled to a refund due to " services not rendered. '' Despite this, PayPal ruled in the merchant 's favor and reversed a provisional credit they had issued. I am now being told I owe a balance, despite never receiving the service when originally promised. 

I am requesting that PayPal reverse the balance and re-evaluate the case.

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: GA

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

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

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: 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIdland Credit Management has been badgering me via letters, fed exs and other communications to relatives in an attempt to collect a debt to which I do not owe to them. I have requested multiple times for validation and to provide the following : " Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FDCPA, I am requesting that you provide proper validation of this debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt, with a breakdown of interest, fees, payments, and credits ; A copy of the original signed agreement or contract bearing my signature ; Proof that you are authorized to collect this debt in my state. 

Verification that you have reported accurate and complete information to any credit reporting agency as required by the FCRA. '' All of my request has been ignored and now i am getting weekly mails via fed ex and regular mail and inappropriate contact with third parties in an attempt to collect a debt- this company in addition has threaten to file a lawsuit for a debt which I do not owe to them.

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: Experian Information Solutions Inc.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: FL

Complaint narrative:
Company NETSPEN send me a debit card XXXX by mail without my authorization. 

I called this company and refuse to provide me additional information since they expect me to provide my social security first. 

I did not authorize the opening on this account. It is a 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a mortgage with 5th 3rd bank. 

I have a checking account also with this bank that I use to make payments to my mortgage loan. 

I had XXXX dollars extra sitting in my checking account which I used the banking app to make an additional payment to my principal. 

I checked my accounts XXXX XXXX XXXX days later just to make sure everything was good. 

When I checked my accounts I saw that the XXXX dollars was deducted from my checking but never applied to my principal. They squestered and held the money as some " unapplied credit. '' They did not tell me anything did not inform me in writing and it was only after I checked that I saw my money was being held without my knowledge. 

So I reached out to 5th 3rd and used their banking app to talk to an associate named XXXX. I have screen shots of the conversation. 

XXXX said that he would fix the issue and apply the XXXX dollars to my principal. 

I wasn't done however and asked XXXX why my money was held and not applied to the principal and why I was not informed of this. 

XXXX replied that any additional payments I make that is not my regular monthly mortgage payment can be held as an unapplied credit. 
This apparently can be done without my consent or knowledge. 

This means that they can charge interest on the higher principal which should have been paid down ( by XXXX dollars ) but instead was not paid down and therefore I would end up paying more interest without my knowledge of I did not check my accounts. 

I asked XXXX why there is no option to pay down the principal or to make a principal only payment on there system. I further asked why any extra payments don't apply to the principal or the customer be asked where they would like this money to be sent to instead they hold on to the extra money which costs the customer by having them pay higher interest. 

When I asked for further info XXXX ended the chat abruptly. This is extremely anti consumer practice. I am asking that 5th 3rd to adjust their system to allow additional payments to consumers who are wanting to pay down principal early. I am asking them to fix their system to allow the consumer to make extra payments which can be applied directly to the principal whenever they want instead of only allowing this with their regular monthly payments.

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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My Kohls credit card was transferred to Capital One without my knowledge. I was not notified of the change, and the address Capital One had on file was incorrect, so I was not receiving mailed statements or the new card. I also could not access my new account online, which prevented me from making timely payments. 

After speaking with a Capital One representative, only XXXX of XXXX late fees was waived. I accepted this in good faith and paid the account in full. 

Most recently, I submitted my final payment on the due date, but it was logged just XXXX  minutes after XXXX XXXX  EST, so it was considered late. As a result, I was charged yet another {$30.00} late fee, even though the balance was brought to zero. 

When I called and escalated the issue, I was repeatedly told no additional waivers were possible because XXXX had already been granted in XXXX. XXXX the supervisor I spoke to was dismissive and would not allow me to finish explaining my situation. 

I believe this most recent fee is unjustified, given the very minor timing discrepancy and the fact that Capital Ones own administrative and communication failures caused my earlier late payments. 

I am requesting that this late fee be reversed and that my account be reviewed in light of the full context.

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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: AR

Complaint narrative:
> I am filing a complaint regarding GAP insurance contract # XXXX issued on XX/XX/XXXX, through XXXX XXXX and administered by XXXX XXXX XXXX XXXX XXXX. 

I was recently told by a representative that the GAP coverage was cancelled before the expiration date of XX/XX/XXXX, in order to request a refund for unused benefits. However, I have not received any refund, nor have I been given proof that it was returned to me or applied to my loan. 

I am requesting the CFPB to help me receive : 1. Written confirmation of the cancellation date and who authorized it 2. Total refund amount issued 3. Confirmation of who received the refund 4. Proof that it was applied to my loan balance if the lender received it 5. A copy of the refund transaction or check I paid for this coverage as part of my loan or vehicle purchase and believe I am entitled to a full refund if the service was not used. I would like this resolved quickly and fairly. 

Thank you for your assistance.

Company response to consumer: Closed with explanation