vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Capital one Capital one XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Debt Validation Dear Capital one, I am writing to request validation of the alleged debt referenced in your recent communication. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt before proceeding with any further payment or acknowledgment. 
Please provide the following information : The amount of the debt The name of the creditor to whom the debt is currently owed A copy of the original contract or agreement that created the debt A detailed statement showing the calculation of the debt The date the debt was incurred Proof that you are authorized to collect on this debt Please cease all collection activities until you have provided this documentation. If you can not verify the debt, please remove any negative information related to this debt from my credit report and cease further collection efforts. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice regarding my consumer rights and the handling of my personal information under the Fair Credit Reporting Act ( FCRA ) and related federal privacy laws.

According to 15 U.S.C. 1681, Section 602 ( a ), Congress recognized that consumer reporting agencies carry a serious obligation to handle information about individuals with fairness, impartiality, and respect for privacy. As a consumer, I am asserting my right to ensure that my personal data is handled in accordance with federal law.

Under 15 U.S.C. 6801, financial institutions and those who furnish information to credit reporting agencies have an ongoing responsibility to protect customers private, nonpublic information. This means they are required to maintain the confidentiality and security of that data at all times. 

Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer reporting agency may only release a report when it is done so with the written authorization of the consumer involved. I have not given, nor do I give now, any written consent to XXXX XXXX or any financial institution ( the furnisher of information ) to share or report my personal or financial data. 

Any and all forms of consentwhether verbal, implied, or writtenare hereby revoked effective immediately. 

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) requires that before any nonpublic personal information is disclosed to third parties, consumers must be notified of their right to opt out of such disclosures. I was not provided this option by any furnisher of information connected to these credit reporting agencies. 

It should also be noted that 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years in a report, unless otherwise specified by law. Reporting such information without my consent violates these federal protections.

Per 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no entity may furnish inaccurate or unverifiable information to a consumer reporting agency. In addition, 15 U.S.C. 1681e requires all consumer reporting agencies to implement reasonable procedures to prevent such violations. I have reason to believe that both XXXX XXXX XXXX are not upholding this standard. 

Lastly, 12 C.F.R. 1016.7 affirms that a consumer may opt out of data sharing at any time. This letter is my formal exercise of that right. I am opting out of all data reporting, sharing, or disclosure of my nonpublic personal information. 

I expect written confirmation that you have received this notice and that all unauthorized reporting activity concerning my information will cease immediately. 

Respectfully, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding the repeated and continued reporting of inaccurate information, unlawful inquiries, and failure by the credit bureaus and furnishers to maintain reasonable procedures in compliance with the Fair Credit Reporting Act ( FCRA ). My credit report continues to contain false and unverifiable information that is damaging my reputation and financial stability. Despite previous disputes, these inaccuracies remain unresolved and indicate a violation of my rights under federal law. 

XXXX Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * A late payment was reported on a zero-balance account, which violates FCRA 607 ( b ). No proof has been provided from the original creditor. Delete this unverifiable account immediately. 

XXXX Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$8000.00} Charge Off * * This charge-off can not be validated. Reporting it without evidence violates FCRA 623 ( a ) ( 1 ) ( A ). The account status is misrepresented and must be deleted. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * A charge-off with no balance or proof of delinquency violates FCRA 607 ( b ) and 611 ( a ) ( XXXX ) ( A ). This information is inaccurate and should be deleted immediately. 

I am demanding the deletion of all unverifiable and inaccurate accounts, removal of unauthorized inquiries, and confirmation that my address and personal identifiers are corrected in full compliance with FCRA 611 ( a ) ( 5 ) and 623 ( b ). Failure to act promptly will result in further formal complaints and potential legal action for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was charged an interest amount on a balance transfer that was expiring with a Bank of America credit card. I had put in to have the full amount pulled from my bank account before the due date. The company did not pull it out until the following month and in turn charged me interest. I have a picture of the change and that it would be taken out. The picture shows that the change was on XXXX  and the due date was XXXX  On the picture it does state that " Payments to this Bank of America card/Small Business Loan will not appear on your online banking card account details immediately, but you'll receive credit for payments as of the date they're submitted if scheduled for that day before XXXXXXXX XXXX  XXXX. Any associated fees and interest will be adjusted. '' They still will not honor what is clearly stated. I had filed a complaint with the XXXX and a XXXX XXXX from Bank of America responded that I would hear from them with a call or a letter in 5 business days and I have not!

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 2025-10-23 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-23 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:
XX/XX/scrub>XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Your Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Spring Oaks Capital has called my phone multiple times a week about a debt I do not owe. I asked their agents to provide validation and to stop calling, but they continue to contact me. They have not provided any written proof or verification of this account. I am filing this complaint because the collection account appearing on my credit report from Spring Oaks Capital is not a valid debt. I have never opened, signed, or applied for this account and believe it may be due to misidentification or identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
As a result of identity theft i would like this account 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 2025-10-23 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:
As a result of identity theft i would like this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
As a result of identity theft i would like this account 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 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to dispute and request the blocking of information on my credit report that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act.

The following item ( s ) on my credit report are inaccurate and the result of identity theft : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened/Reported : XX/XX/year> I did not open this account, authorize its use, or benefit from it in any way. Therefore, I request that you block and remove this fraudulent information from my 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 2025-10-23 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-23 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:
report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I sent {$600.00} through MoneyGram ( Reference Number XXXX ) to XXXX XXXX. 
The transfer status still shows Ready for Pickup, meaning the receiver has not collected the money. 

I requested a cancellation through MoneyGrams website, and they confirmed that my request was forwarded to customer service for manual processing within 24 hours. However, more than 24 hours have passed and the money has not been refunded. 

I contacted MoneyGram support multiple times, but they refuse to return the funds even though the transfer is clearly unclaimed. I am requesting an immediate refund of the {$600.00} to my original payment method

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
I am a verified victim of identity theft and have filed an FTC Identity Theft Report ( # XXXX ). Multiple fraudulent accounts were opened without my knowledge or consent, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were unlawfully furnished and reported despite my lack of written authorization as required under 15 U.S.C. 1681b. I have submitted documentation to the credit bureaus under FCRA 605B requesting immediate deletion and blocking of all fraudulent items. Despite clear proof and multiple data breaches ( XXXX, TransUnion, and XXXX XXXX XXXX ), the accounts remain reported as valid.

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