vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the sudden and unexplained closure of my Capital One Spark Business Credit Card, account ending in XXXX. 

We have used this credit card consistently for over XXXX years to manage our business expenses. Our account was always in good standingwe regularly paid more than the statement balance and relied on this card for nearly all of our business transactions. As a result, Capital One likely earned significant revenue from the transaction fees associated with our usage. 

Despite this strong history, the account was abruptly closed due to suspected fraud. I was not contacted beforehand, provided with any evidence of suspicious activity, or given a chance to respond or verify transactions. I spoke with a Capital One representative who informed me that the decision was final and could not be reversed. 

I also inquired about the XXXX miles ( reward points ) I had accumulated, and was told they would be credited back to my account. However, on my most recent statement, there is no indication of those rewards being restored. These points were earned in good faith through eligible business activity, and I am requesting that they be returned to my account immediately. 

I am requesting CFPB 's assistance with the following : A full explanation from Capital One regarding the reason for closure ; Reinstatement of the account, or at minimum, acknowledgment of the closure with no adverse reporting on my credit file ; Immediate reinstatement of my XXXX reward miles that I rightfully earned. 

This situation has disrupted my business operations and caused unnecessary financial and emotional stress. I am including a copy of my most recent statement and any correspondence I received from Capital One regarding the closure. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Spring Oaks Capital LLC is reporting a {$650.00} debt on my credit report and falsely identifying themselves as the original creditor. They are a debt buyer, not the original lender or service provider. I never entered into a contract or agreement with Spring Oaks Capital.

I have requested validation of this debt multiple times, including proof of the original creditor, the original contract, and documentation of the chain of ownership, but the company has failed to provide this information.

Spring Oaks Capitals misrepresentation violates the Fair Debt Collection Practices Act ( FDCPA ), as it falsely characterizes the status and source of the debt. I dispute this debt and request that the creditor information be corrected, full debt validation be provided, or the account be removed from all credit reports if they can not validate it.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX on my credit report. I did not authorize, apply for, or sign any agreement with XXXX. The original loan with XXXX is being reported as Paid and Closed and therefore no open balance should exist. 
This reporting by XXXX constitutes a duplicate, misleading, and unauthorized entry on my credit profile and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to the following provisions : XXXXXXXX XXXX XXXXXXXX No permissible purpose or authorization to report. 
XXXX XXXX. XXXX ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to verify disputed information. 
XXXX XXXX. XXXX ( b ) Failure of the furnisher to verify accuracy after dispute. 
This inaccurate entry is materially harmful and deceptive, making it appear that I have taken on new federal student loan debt without my consent. I demand immediate deletion of the XXXX account within XXXX ( XXXX ) calendar days of receipt of this letter. If the item is not deleted, I will escalate this matter to all available legal remedies. 
The following accounts are listed on my consumer reports and are a result of identity theft. 
Aidvantage - {$3000.00} XXXX- {$2100.00} XXXX- {$7100.00} XXXX- {$1800.00} XXXX- {$3800.00} I am a victim of identity theft from Equifax breach and other entities. I have enclosed Identification card, FTC report, bank statement for address verification, XXXX for social verification as requested.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX on my credit report. I did not authorize, apply for, or sign any agreement with XXXX. The original loan with XXXX is being reported as Paid and Closed and therefore no open balance should exist. 
This reporting by XXXX constitutes a duplicate, misleading, and unauthorized entry on my credit profile and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to the following provisions : XXXXXXXX XXXX XXXXXXXX No permissible purpose or authorization to report. 
XXXX XXXX. XXXX ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to verify disputed information. 
XXXX XXXX. XXXX ( b ) Failure of the furnisher to verify accuracy after dispute. 
This inaccurate entry is materially harmful and deceptive, making it appear that I have taken on new federal student loan debt without my consent. I demand immediate deletion of the XXXX account within XXXX ( XXXX ) calendar days of receipt of this letter. If the item is not deleted, I will escalate this matter to all available legal remedies. 
The following accounts are listed on my consumer reports and are a result of identity theft. 
Aidvantage - {$3000.00} XXXX- {$2100.00} XXXX- {$7100.00} XXXX- {$1800.00} XXXX- {$3800.00} I am a victim of identity theft from Equifax breach and other entities. I have enclosed Identification card, FTC report, bank statement for address verification, XXXX for social verification as requested.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) XXXX security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : 1. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
2. The following personal information is incorrect XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit repor

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 — Account information incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint because Affirm has reported XXXX separate charge-off collection tradelines to the credit bureaus for purchases that were all made under a single Affirm account. These were not XXXX different credit accounts they were individual installment transactions processed under a single login and credit relationship. 
Reporting each transaction as a separate charge-off and collection tradeline is misleading, excessive, and unfair. It grossly inflates my apparent credit risk, creates a false picture of my financial behavior, and has caused serious real-world consequences. 
Legal Concerns : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 : Data furnishers are required to report credit information that is accurate and not misleading. Reporting XXXX charge-offs under XXXX account makes it appear that I defaulted on XXXX separate credit lines, which is inaccurate and damaging. 
2. FCRA 15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to maintain the maximum possible accuracy of the information. This fragmented reporting fails that standard and does not reflect how the account was presented to or managed by me as a consumer.

3. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Affirms practice of splitting XXXX account into XXXX separate derogatory tradelines without clearly disclosing that each transaction would be treated as an independent credit line XXXX qualify as a deceptive and abusive act, especially given the disproportionate harm it causes. 
4. If any of these accounts were turned over to third-party debt collectors without proper written notice, it may also violate the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt validation and notice within 5 days of contact. 
Personal Harm : As a result of these XXXX charge-offs appearing on my credit report, I have been denied both rental and mortgage housing opportunities. Landlords and mortgage lenders flagged my credit file as too high-risk, despite the fact that this negative reporting all stems from a single Affirm account. This has caused significant emotional distress, financial instability, and an inability to secure safe and stable housing for myself. 
My Actions So Far : I initially attempted to dispute this information with the credit bureaus but believe the dispute was misclassified ( under unauthorized charges ) due to confusion over how Affirm structured and reported the accounts. I now clarify that the issue is not with unauthorized use, but with the misleading, excessive, and unfair way Affirm reported the account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please refer to complaint id XXXX A check was deposited for {$10000.00} from XXXX. XXXX unclaimed property division sent letter saying its property that belonged to us. XXXX sent the check and said he doesnt know why it was made out to trust. There was no trust open or any other property. Chase put a XXXX XXXX  hold on the check then after it cleared they decided to close the account. I would like to know why no one was notified to redirect XXXX payments before closure, XXXX funds are protected under XXXX XXXX XXXX. Chase 's closure without facilitating an SSDI rep payee transition violates federal and california law forcing a congressional inquiry. I had bounced checks and other hardships caused by this. A month ago I brought in documents that the letter from Chase XXXX XXXX sent in regards to previous complaint. I showed the branch XXXX the letter and ca small estate affidavit and death certificates. Those were suppose to be sufficient. After waiting almost a month XXXX calls me and says I need to request XXXX to recall the check and reissue it in my name or my aunts name. I contact XXXX and they say the check was cashed over a year ago and they have no way of recalling or reissuing check.Im filing this complaint because I did what they said to do and they still arent releasing funds to me. According to the Ca small estate affidavit the bank is required to transfer the property to me. The bank will have to pay attorney 's fees if a lawsuit is necessary because you refuse. XXXX. The bank is XXXX from all liability for the money or property when you transfer it based on good faith reliance on the affidavit. Ca. XXXX When you rely in good faith on the affidsviy you have no duty to inquire into the truth of the statements in it. XXXX. Prob.C XXXX.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Im writing under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to dispute the repossession account reported by BRIDGECREST ( # XXXX ) as inaccurate and unlawful. 

I was never provided the required XXXX to Redeem notice under XXXX XXXX and applicable state laws after the repossession. Without this notice, the creditor can not legally collect or report a deficiency balance, making this tradeline inaccurate and harmful to my credit. 

Under 15 U.S.C. 1681s-2, furnishers must report only accurate and complete information. I request either : Verifiable proof the Right to Redeem notice was properly sent, or Immediate deletion of this account and any balance from my credit report.

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:
XX/XX/XXXX Hello guys, This is my third attempt to fix this problem with the credit bureaus. I really need your help on this please. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTN : Fraud Department XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account under my Social Security Number. I did not open or authorize this account, and I request that it be removed from my credit report immediately. 

The following information appearing on the credit report listed under my Social Security Number is the result of identity theft : XXXX XXXX XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed a copy of my Identity Theft Report, proof of my identity, and a the credit report they can see it on their end, showing fraudulent accounts. I also have enclosed a copy of FCRA Section 605B, which explains your responsibilities when reporting information to credit bureaus. 

When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus within four ( 4 ) business days. The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection.

Please remove any and all information resulting from this theft of my identity. 
Please send me an updated copy of my credit report to my address listed above. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of Identity FCRA Section 605B

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: OH

Complaint narrative:
Company name : Recuvery LLC Phone : ( XXXX ) XXXX Account : XXXX Complaint summary : I am disputing a {$4500.00} debt allegedly owed to XXXX XXXX for services supposedly provided by XXXX. This debt is invalid, and the company is acting in violation of FDCPA and FCRA by attempting to collect or report it. 

1. Contract was never properly executed : The contract is incomplete several essential fields ( e.g., derogatory items to be disputed, tradelines, credit data ) are left blank. 

There is no definition of deliverables, performance timeline, or success metrics. 

The Service Terms are vague and unenforceable under basic contract principles due to lack of specificity. 

2. Incorrect personal data : The contract contains an incorrect date of birth and wrong age, which I never provided. This calls into question the legal validity and origin of the agreement. 

Such discrepancies raise serious concerns about identity verification, informed consent, and possible fraud in the origination of the contract. 

3. Verbal cancellation and no further service : I terminated the agreement verbally after three months due to lack of results and poor communication.

The provider ceased all services, reports, or updates, and provided no further invoicing or notice indicating mutual abandonment. 

I was never informed of any continued obligation, nor was I re-engaged or reauthorized any services. 

4. Credit reporting threat : The company has implied or threatened that they will report the debt to credit bureaus.

This debt does not qualify under the FCRA as it is not a credit account, loan, or financial obligation. 

Reporting such a debt would be : A false representation of its nature ( FDCPA 1692e ( 8 ) ), A violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) for furnishing inaccurate data, An unlawful attempt to pressure payment via reputational harm.

Requested Resolution : Cease all communication and collection efforts, Do not furnish or report this item to any consumer reporting agency, If already reported, mark the item as disputed immediately, Provide complete and verifiable validation of the alleged debt, including signed agreement with accurate DOB and itemized services rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation