vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX deposited check on XX/XX/year> in the amount of XXXX to Capital One online checking account. Called XX/XX/year> to see why funds weren't available they stated my check is being processed and won't be available until XX/XX/year>. I let them know at latest I need it to pay my rent by XX/XX/year> they told me to call back after 24 hours to have it released. I called again on XX/XX/year> and was told there was nothing they could do and that it can't be canceled or processed faster. I called again today XX/XX/year> requesting a supervisor and asking for this to be resolved whether it be canceled or made available I have XXXX children and will receive an eviction notice amd court fees because of them, they still refused to resolve this and advised I have to wait until XX/XX/year>. This banking institution has now my children and I in a preventable hardship at risk of losing housing and I feel should be held responsible for violating terms of agreement to release within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX Debt Validation & Securitization Request Dear Sir/Madam, I am formally disputing the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I request full validation of this debt and demand that all collection and reporting activity cease until such validation is provided.

Specifically, I request the following documentation : 1. Original Promissory Instrument Provide the original signed credit agreement or contract bearing my signature that created the alleged obligation.

2. Securitization Audit Trail If this debt has been securitized, sold, assigned, or transferred, provide the Pooling and Servicing Agreement ( PSA ), trust name, and CUSIP number showing chain of title and ownership of this debt.

3. Chain of Custody & Assignment All assignments, transfers, and sale agreements from XXXX to any third parties, including proof that you have legal standing to collect.4. Itemized Accounting Complete accounting of how the alleged balance of {$1000.00} ( written off as of XX/XX/XXXX ) was calculated, including all payments, fees, and charges. 
5. Authority to Collect Proof of your agencys license to collect in the State of Georgia and proof of your authorization to collect on behalf of the alleged creditor. 
Until these items are produced, this debt remains unverified and unenforceable. Reporting unverifiable information to Experian, XXXX, or XXXX  violates the FCRA and CFPB regulations. 
Be advised : - Any attempt to continue reporting this unvalidated debt will be considered willful violation of federal law. 
- I reserve the right to file complaints with the CFPB, FTC, and the Georgia Attorney Generals Office for failure to comply. 
- This letter serves as notice to cease all collection activities until full validation and securitization documentation is provided. 
Please respond within 30 days of receipt of this letter. If you can not provide the requested documents, immediately delete and remove all references to this account from all consumer reporting agencies.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I moved out of town and someone else obtained my account info. Once I found out, the account was closed and written off. I contacted the company to try to resolve but they did not accept my offer of resolution. The balance they are claiming is outstanding is simply stated, highly inflated and inaccurate. Therefore, I would like this account removed from my credit reports immediately. 
As you can observe, my other accounts have never missed a payment. I am a victim of 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 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I would like to request my original Massive promissory note, in where per the FCRA first set up my original loan. 
I would like my complete transfer records, my full payment history, my method of verification used by the Credit reporting agency or agencies! May I have the name and contact information of the party or parties that verified it If I do not receive this information within a timely matter, this may be grounds for deletion for violating my FCRA 611 and FCRA 623 rights. 
I would like to ask for a re-investigation of my loan that is verifiable and accurate! 
I also want to mention that my personal and financial information has been compromised with my authorization. 
The Family Educational rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan and loans debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have been enrolled in autopay since my first transaction with Synchrony Bank Care Credit Credit Card. I was told promotional balances had no interest if paid in full within 6 months. This summer, I spoke with a representative on the phone regarding my upcoming promotional period ending. I was assured that my autopay plan would pay the total amount due to prevent me from paying any interest. 

Three weeks ago on XX/XX/2025, I saw I had been charged interest fees. I spoke with a live chat representative immediately who told me I had been charged about {$90.00} in interest due to outstanding promotional balances. The representative confirmed I was enrolled in autopay but had outstanding promotional balances. Please see attached screenshots.

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 2025-09-05 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: IA

Complaint narrative:
MULTIPLE INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT 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
Consumer complaint received 2025-09-05 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: IA

Complaint narrative:
MULTIPLE INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX CHICAGO-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  Bankruptcy XXXX XXXX XXXX of Illinois that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files

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 2025-09-05 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX CHICAGO-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  Bankruptcy XXXX XXXX XXXX of Illinois that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request Disputed Account XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is not my first time reaching out regarding the alleged account you are attempting to collect. I am once again disputing this debt in its entirety.

You have failed to provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically : I have no contract or agreement with Spring Oaks Capital , LLC.

You have not produced a signed contract or agreement showing that I am legally obligated to pay your company.

The documents you previously provided do not establish a valid chain of assignment from the original creditor to Spring Oaks Capital , LLC.

Without such evidence, you have not properly validated this debt.

In addition, if you are reporting this alleged account to any consumer reporting agency, you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and to correct or delete information that can not be verified. Reporting a debt that has not been properly validated constitutes the furnishing of inaccurate and incomplete information and violates my consumer protection rights.

Until you provide full and complete validation, including a signed original contract and documented proof of ownership/assignment of the debt, you must : Cease all collection activities.

Remove and/or request deletion of any reporting of this account from my credit reports with all credit bureaus ( XXXX XXXX and XXXX ) . 


If you continue to pursue this alleged debt or fail to delete inaccurate reporting without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also consider all available legal remedies to protect my rights. 
This letter is a formal notice of dispute. I request that all further communication regarding this matter be in writing. 

Furthermore, your repeated daily text messages regarding this alleged debt constitute harassment under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ). Continued attempts to contact me in this manner, particularly about a debt that has not been validated and that I do not owe, are unlawful and must cease immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-09-05 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: OR

Complaint narrative:
Despite multiple disputes, the credit reporting agencies and furnishers continue to report inaccurate, unverified accounts, collections, and unauthorized inquiries. This is a clear violation of FCRA 611, 616, and 617, as well as FDCPA 807 and 809. Their refusal to comply with federal law constitutes willful negligence and ongoing harm to me as a consumer.

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 2025-09-05 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: OR

Complaint narrative:
Despite multiple disputes, the credit reporting agencies and furnishers continue to report inaccurate, unverified accounts, collections, and unauthorized inquiries. This is a clear violation of FCRA 611, 616, and 617, as well as FDCPA 807 and 809. Their refusal to comply with federal law constitutes willful negligence and ongoing harm to me as a consumer.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief