vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I filed a complaint to the CFPB below. 

Original Complaint : Account Spring Oaks Capital. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete Account Spring Oaks Capital as soon as possible from my credit report or I will have to take legal action. 

The response below does not satisfy what was requested. Please send me Certified mail receipt proof with my signature of the documents you state were sent. If you can not provide proof of this letter with my signature than you are required to delete this off my credit report. 

Your response : Thank you for submitting your concerns. Spring Oaks Capital , LLC is focused on consumer treatment and compliance with all state and federal laws and regulations. We respectfully disagree with the assertion contained within this complaint related to the handling of the referenced account. On XX/XX/XXXX we purchased the XXXX XXXX account that originated with XXXX XXXX XXXX XXXX. We mailed our initial letter on XX/XX/XXXX. This letter advised you of the right to dispute the account under the Fair Debt Collection Practices Act ( FDCPA ) and that a negative report may be submitted to a credit reporting agency if the terms of the credit obligations were not fulfilled. We received a CFPB complaint and opened a dispute in response. We are also in receipt of the written dispute, disputes through the credit reporting agency and dispute submitted to our telephone representative. We investigated these disputes and have determined that our reporting of the reference account is accurate. Our record reflects that the account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX in the amount of {$100.00}. The account later charged off on XX/XX/XXXX and the current balance owed is {$740.00}. We are sending our response along with the account documents, a copy of the bill of sale reflecting our purchase of the account, and assignment document reflecting the subsequent transfer to Spring Oaks Capital XXXX XXXX XXXX  via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
All three bureaus kept showing a balance since XXXXXXXX XXXX XXXX  so I submitted individual dispute to all 3 back in XXXX saying to please update the balance to XXXX or close by paid in full but the all came back updating the balance till XXXX not sure why even thought I submitted proof of paid in full, now I requested a letter from the Loan processor XXXX XXXX XXXX, loan account # XXXX ) and submitting that with you guys to please help me make these bureaus report the correct balance. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
As I was reviewing a new dispute with XXXX XXXX XXXX. I saw that a previous dispute that I believed to be resolved was still on my credit report. 

This company called me daily for months, once I talked to them they would not give me information and tried to get me to pay half to resolve it. They have no additional information and did not care that it was potential fraud. 

When I threatened legal/government action they stopped and it seemed to be resolved.

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 2025-06-12 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: NV

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Fraudulent Account Dispute Request for Permanent Deletion ( XXXX XXXX {$1400.00} ) Dear Equifax XXXX Department, I am writing to dispute a fraudulent account currently reporting on my Equifax credit file under the name : XXXX. XXXXXXXX XXXX Balance : {$1400.00} I have never opened or authorized any account with XXXXXXXX XXXX This account was established without my verbal or written consent and is the result of identity theft, likely due to the Equifax security breach or one of several other national data breaches in which my personal information was compromised. 
To support this claim, I have attached the following documentation : A Federal Trade Commission ( FTC ) Identity Theft Affidavit A police report filed with the XXXX XXXX Police Department ( XXXX ) Applicable Consumer Protection Laws : 31 U.S.C. 5118 Protects against fraudulent debt obligations that lack lawful origination and contract. 
18 U.S.C. 1028A Identity theft and aggravated identity theft : criminalizes knowingly using another persons identity without authorization.

15 U.S.C. 1681c-2 ( FCRA 605B ) Requires consumer reporting agencies to block fraudulent information from a consumer report within 4 business days upon receipt of valid identity theft documentation.

15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy of information.

15 U.S.C. 1681i Mandates reinvestigation and deletion of disputed, unverifiable, or unauthorized data. 

My Formal Requests : 1. Immediately and permanently delete the XXXX XXXX account ( Balance : {$1400.00} ) from my Equifax credit report. 

2. Block this account from future reinsertion in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) unless full, documented validation is provided.

3. Provide me with a written confirmation of the results of your investigation and actions taken. 

The continued reporting of this fraudulent account is a direct violation of federal consumer protection laws and is causing me significant financial and emotional harm. If this matter is not resolved immediately and in accordance with the Fair Credit Reporting Act, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Thank you for your prompt attention. I expect a resolution within the timeframes established by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I'm reaching out because theres an account showing up on my credit report that quite simply does not belong to me. Its obvious this is a case of mixed credit file information, and someone elses account is being inaccurately reported under my name. 

Let me be crystal clear : I have never opened, used, or been associated with this account in any way. This is not my debt, and this information should have never been tied to my credit history in the first place. Whether this is due to similar personal details or a reporting error, the outcome is the sameIm being affected by someone elses financial activity, and it needs to stop immediately.

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 2025-06-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-06-12 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: NV

Complaint narrative:
I disputed two medical collection accounts listed on my TransUnion credit reportone for approximately {$1400.00} and the other for around {$4000.00}. I used the dispute reason Ownership I have no knowledge of this account and requested verification, including documentation proving the debt belonged to me. 

TransUnion marked both disputes as Resolved, but the result was listed as Unknown, stating : Unfortunately, we did not receive dispute results for this account. It has been more than 30 days since I filed the dispute, and these unverified collections are still on my report. 

Under the Fair Credit Reporting Act ( FCRA ), if a data furnisher does not respond within 30 days, the disputed item must be deleted. Since no verification was provided, I am requesting the CFPB help ensure these two medical collection accounts are removed from my TransUnion credit 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-12 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX and the three major credit reporting agenciesExperian, XXXX, and XXXXdue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

XXXX XXXX XXXX has erroneously placed four accounts on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt ( only provided a generic statement letter ) Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request.

Additionally, XXXX XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini Miranda warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. 

Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXXXXXX XXXX improper reporting practices. 

I request immediate action from the CFPB to investigate XXXX XXXX XXXX XXXX unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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 2025-06-12 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX and the three major credit reporting agenciesXXXX XXXX, and TransUniondue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

XXXX XXXX XXXX has erroneously placed four accounts on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt ( only provided a generic statement letter ) Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request.

Additionally, XXXX XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini Miranda warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. 

Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX XXXX  improper reporting practices. 

I request immediate action from the CFPB to investigate XXXX XXXX XXXX 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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 2025-06-12 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 yo
u receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00}

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 explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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