vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
The derogatory rating currently appearing on my credit report is causing substantial financial hardship and emotional distress. This negative mark has already led to the denial of a recent loan application and resulted in increased interest rates on my existing credit accounts, creating ongoing financial burden. The presence of this derogatory information continues to limit my access to credit and favorable lending terms, significantly impacting my ability to manage my financial obligations and pursue important financial goals.

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 2025-08-22 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding the continued mishandling of a fraudulent debt account that has severely damaged my credit and is now preventing me from securing a mortgage for my family. 
Despite submitting a complete identity theft reportincluding documentation from the FTC, a cease and desist letter, and a request for XXXX XXXX XXXX XXXX and Spring Oaks Capital SPV , LLC, the account ( ending in XXXX ) for the amount of {$1200.00} remains on my credit report. I have not received the required documentation to validate the debt, nor any confirmation that the account has been removed or corrected. 
This account is fraudulent. I did not authorize it, and I have followed every legal step to dispute it. The failure to remove this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting has now caused my mortgage application to be denied, threatening my ability to secure stable housing. 
I am requesting the CFPBs immediate assistance to : Investigate the failure of the debt collector to respond to my dispute and validation request Ensure the fraudulent account is removed from all credit reports Prevent further damage to my financial standing and housing prospects Hold the responsible parties accountable for noncompliance This situation has caused immense stress and hardship. I am doing everything I can to protect my family and move forward, and I need your help to ensure my rights are respected. We were supposed to finish our mortgage process today and they can not complete it with this dispute mark from this company on my record. I have tried everything, even XXXX XXXX, and XXXX  couldn't remove the remark that I disputed the account because of fraud. They want me to remove the fraud case and say I lied and become liable for this debt. I am the victim here and they are victimizing me even further. 
Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transworld Systems Inc. 

Re : Debt Validation Request Account No. XXXX To Whom It May Concern, I am formally requesting validation of the alleged debt you claim I owe under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. This letter is not a refusal to pay but a notice that I dispute the validity of the debt.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a full itemization of fees, interest, and other charges.

3. A copy of any agreement or contract that proves I am legally obligated to pay this debt.

4. Documentation that you are authorized to collect on behalf of the original creditor.

5. Verification that this alleged debt has not been sold, transferred, or otherwise assigned improperly.

Until the above information is provided, please cease all collection activity and refrain from reporting this account to any credit reporting agencies. If this debt has already been reported, kindly notify the credit bureaus that it is disputed.

Be advised that any attempt to collect this debt without providing the requested validation is a violation of the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One continues to report my credit card account negatively, even while I have been making payments toward this account. Despite my efforts to resolve and pay, Capital One has not updated my report fairly or accurately. This practice is misleading, unfair, and damaging to my credit profile. 

I have not received proper validation, including a signed contract, a full account history, or proof that I agreed for my personal information to be reported in this way. Reporting an account as negative while I am paying on it is deceptive and violates federal consumer protection laws. 

Violations include : FCRA 602 ( a ) : Requires credit reporting to be fair and accurate.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires maximum accuracy in reporting. Reporting me as delinquent while Im paying is inaccurate.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Prohibits furnishers from reporting information known to be inaccurate.

FDCPA 807 ( 2 ) ( A ) : Prohibits misrepresentation of the character or legal status of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
He

llo, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-08-22 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS REPORTING ON MY CREDIT FILE ARE INACCURATE AND INCORRECT. ACROSS ALL THREE OF MY CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WITH A SIMILAR NAME. WHO SOMEHOW ACCESSED MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I HAVE UNDERLINED THE INACCURACIES REGARDING EACH ACCOUNT. ACCORDING TO THE FCRA, ALL INFORMATION REPORTING TO ALL THREE CREDIT BUREAUS MUST BE ACCURATE AND TRUE. EACH BUREAU IS REPORTING DIFFERENTLY FROM THE OTHER. IT IS INACCURATE. I WANT THE INACCURACIES DELETED. 

XXXX 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025, I received a notice from Capital One stating that my checking account ( ending in XXXX ) and savings account ( ending in XXXX ) were being permanently closed due to activity inconsistent with typical customer usage. The accounts were immediately restricted, which has prevented me from making withdrawals or paying bills. I was instructed to stop writing checks and cancel direct deposits. Capital One has not provided any clear explanation of what specific activity triggered this closure. I currently have funds in these accounts that I need access to in order to cover upcoming expenses. I was told that any remaining balance would be mailed by check or transferred to an external account after pending claims are reviewed, but I have not been given a clear timeline for when this will happen. I believe all of my account activity was legitimate and properly authorized. I am requesting a detailed explanation for the closure, confirmation that my funds will be returned promptly, and assurance that negative information is not inaccurately reported to XXXX or other consumer reporting agencies. 

This closure has caused me serious financial hardship, as I risk missing rent, utility payments, and other essential bills until my funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Sure! Heres your message with some edits for clarity and flow : -- - * * Subject : Bank of America Complaint Submission * * Dear CFPB, I am writing to file a complaint against Bank of America for retaliation after I filed complaints regarding disappearing funds from my account. On XX/XX/2025, when I went to bed, my account showed an available balance of \ {$79.00}. However, upon reviewing my account the next day, I noticed a reversal of charges related to a claim I filed back in XXXX. The charges were reversed despite having documentation showing that the claims were finalized on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe this is an act of retaliation. Ive also noticed a pattern where money disappears from my account, always just before or on payday. I have gathered evidence, including screenshots and a recorded phone call from a Bank of America employee, where the representative forgot to mute the call when assuming I hung up. while on a 1 hour 13 mon wait for there supervisor. This incident provides further proof of questionable practices by the bank. Bank of America appears to be scamming its customers, and Im not the only one affected. I intend to make this issue public. However, I need your help in ensuring that my complaint is heard. I attempted to upload my evidence ( recordings and documents ) to your website, but the files are too large. Could you please provide an email address or alternative method to submit these files? Its critical that you see the evidence, as it supports my claims. Thank you for your attention to this matter. I look forward to your guidance on how to proceed. Sincerely, 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 monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX  dropped by XXXX points on XX/XX/year> from XXXX to XXXX and on XX/XX/XXXX of 2025 it was XXXX which is an excellent credit score according to XXXXXXXX XXXX XXXX and now it's just good despite there being no new accounts opened for the past 2 years, no credit inquires, credit usage went down from XXXX to 22 %, total balances went down by {$920.00}, available credit went up from {$100000.00} to {$100000.00} and no accounts were closed. I called Transunion and couldn't receive an explanation on why score went down despite having XXXX negative actions.

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 2025-08-22 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-22 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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