vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX BANK XXXX Account number : XXXX XXXX XXXX SVC XX/XX/year> XXXX/XXXX  AND XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, I placed an online order with XXXX XXXX  XXXX for XXXX sunglasses totaling {$280.00}. 
The order was marked as delivered, but I never received the package. 
The only proof of delivery provided by the merchant was a photo of a door with no package visible. 
I contacted XXXX XXXX XXXX more than XXXX times requesting proper proof of delivery or a refund. 
Each time, I was informed that a claim would be opened, and each claim was denied without providing any evidence showing the package itself. 
I then filed a dispute with Capital One for merchandise not received. 
Capital One reviewed the dispute twice and denied it, stating that, The merchant provided the following information to support the transaction : Receipt provided showing transaction was billed correctly During a phone call with Capital One, I was informed that the only proof of delivery on file was the same photo of a door, with no package visible, no signature, no GPS confirmation, and no indication of where the package was left. 
Despite the lack of valid proof of delivery, Capital One closed the dispute and instructed me to resolve the matter with the merchant. 
I am requesting that Capital One reopen the dispute, conduct a proper investigation based on valid proof of delivery standards, and issue a refund for the {$280.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding a refund check issued by Capital One for a credit card overpayment. I updated my mailing address and requested that the original check be canceled. Despite this, Capital One sent the replacement check to my previous address. I never received it, did not authorize it, and my signature does not appear on the cashed check. I have attached the letter from Capital One with a copy of the check as evidence. 

Capital One confirmed the check was cashed but refuses to acknowledge that it was sent to the wrong address. On XX/XX/2025, I spoke with supervisor XXXX, who promised that the refund would be issued via direct deposit to my bank account. This has not occurred. On XX/XX/2025, I spoke with supervisor XXXX ( ID XXXX ) regarding case # XXXX. They told me I must wait 30 business days before any determination of fraud or resolution, even though the error was entirely on Capital Ones side. Previously, case # XXXX was opened on XX/XX/2025, when I requested the original check be canceled and the replacement sent to my new address. 

The delays and errors by Capital One have caused significant financial disruption, as these funds were intended for important obligations. Capital One has failed to take responsibility for sending the check to the wrong address and for not honoring the promised direct deposit. 

I am requesting action from CFPB to ensure : Immediate reimbursement of the funds via direct deposit to my bank account.

Proper documentation of the case and acknowledgment of Capital Ones error.

Investigation of Capital Ones mishandling and delays in resolving this issue. 

The attached evidence from Capital One is in XXXX, it includes a copy of the cashed check that I did not recived or cashed out. Even in this letter attached that Capital One sent me with the copy of the check, my adress is still listed incorrectly. 


Sincerely, XXXX XXXX Last 4 digits of Credit Card : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
Company by the name of Cascade Capital Funding , LLC ( XXXX XXXX XXXX in XXXX, PA ) has attempted through text, phone call and mail to collect a medical dept they claim I owed from my XXXX XXXX visit in XXXX. I called the hospital billing dept and they show no such debt owed as our account has a XXXX balance. I was threatened on the phone that if I did not pay, my credit would be affected. I was also sent a strange text about the matter with a link to make a payment. They appear to have many similar complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Capital One Auto Finance is inaccurately reporting the payment history on my active auto loan account. The account reflects late payments in 2024 that do not accurately reflect how payments were applied, including partial and full payments that were not consistently credited in a timely manner. 
The balance history contains duplicated and conflicting entries, and the account includes multiple invalid date notations, which constitutes incomplete and inaccurate reporting. 
This account was previously disputed, yet the inaccuracies remain, indicating a failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 
I am requesting correction of the inaccurately reported late payments, not deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am filing this complaint against Equifax From the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continuing to report inaccurate, inconsistent, and legally unverifiable information on the above-referenced account, despite multiple prior disputes and verifications. 

Equifax is reporting this account as paid, closed, and with a {$0.00} balance, while simultaneously reporting 30, 60, and 90-day late payments in the payment history. A credit account can not legally be both paid/closed and delinquent at the same time.

Additionally, this same account is being reported with materially different data across the credit reporting agencies, including conflicting dates of last activity, reporting dates, closure status, and reasons for closure. A single tradeline can not have multiple conflicting versions and still be considered accurate or verifiable.

Despite these discrepancies, Equifax continues to claim the account is accurate without providing any documentation supporting the late payment reporting or the conflicting account data.

Violations of the Fair Credit Reporting Act Equifaxs continued reporting violates multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or incomplete 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to correct or delete inaccurate information 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Continuing to report inaccurate information after receiving a dispute 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to delete information that can not be verified 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibition against reinsertion of previously disputed inaccurate information without proper certification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Spring Oaks Capital ( SPRINGOAKCAP ) for inaccurate credit reporting and improper collection practices related to a personal loan account. The original account was a personal loan that was sold to Spring Oaks Capital. As a third-party debt buyer, Spring Oaks Capital is reporting this account inaccurately on my consumer credit reports. Spring Oaks Capital is improperly reporting this collection account as a charge-off, which only an original creditor may report. In addition, the account reflects ongoing monthly late payment history, which is not permissible for a collection account and constitutes improper re-aging.

I have disputed this account with the credit reporting agencies and requested validation from SpringOaks Capital. To date, Spring Oaks Capital has not provided proof of ownership, a complete chain of assignment, a copy of the original signed agreement, or a complete and accurate payment history. Despite the lack of lawful verification, Spring Oaks Capital continues to report a balance of approximately {$750.00}, causing ongoing harm to my credit profile.I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Spring Oaks Capital to correct or delete this inaccurate collection account from my credit reports. This complaint is submitted in good faith and is not an acknowledgment of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, I received a XXXX  Alert that my Sybchrony Amazon Credit Card was over the limit. I called Sybchrony Bank and they have no answer but have told me that they will investigate and it takes 30 days. XXXX  reported this on my credit report knowingly when they could see that my credit card was not over the limit. 

Additionally, Synchrony bank has lowered my limits on my credit accounts with them citing to many hard inquires on my account from a mortgage refinance, however they have issued credit account to me when the same hard inquiries were in effect. 

The only reason that I haven't canceled all of my Synchrony accounts is because it will impact my credit score further.

It must be noted that Synchrony Bank did this credit chasing when my score was at a XXXX, probably the highest it has been in years.

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 2025-12-22 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:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for full debt validation regarding the collection account currently being reported on my credit file under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA ). Until proper validation is provided, you are required to cease all collection activity and reporting.

To validate this alleged debt, you must provide the following documentation in full : The name and address of the original creditor.

The original account number associated with the alleged debt.

A complete copy of the original signed contract, agreement, or application bearing my signature that created the alleged obligation.

A full accounting of the debt, including an itemized breakdown of the balance claimed, showing principal, interest, fees, and any other charges.

Documentation showing how and when the balance was calculated.

The date of the alleged default.

The date of first delinquency as reported to the consumer reporting agencies.

Documentation proving your legal right to collect this debt, including a complete chain of assignment or sale from the original creditor to your agency.

A copy of any bill of sale or assignment agreement evidencing your ownership or authority to collect the debt.

Proof that the debt was not discharged, settled, canceled, or otherwise extinguished.

Proof that the debt is within the applicable statute of limitations for collection.

Proof that you are licensed and authorized to collect debts in my state of residence at the time this account was placed for collection.

Copies of any notices sent to me regarding this debt, including the initial dunning notice.

Verification that the amount being reported matches the amount authorized under the original agreement.

An explanation of how this account is being reported as open, charged off, or placed for collection simultaneously, including clarification of any inconsistencies.

Until you provide the above documentation in full, this debt remains unvalidated and disputed. Any continued reporting of this account to consumer reporting agencies without proper validation will be documented as a violation of the FDCPA and FCRA.

If you are unable to validate this debt as requested, you must immediately cease reporting and delete this account from my credit file.

This letter is not a refusal to pay, but a formal request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information appearing on my Experian credit report. After reviewing my report, I believe several accounts and inquiries are being reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate investigation and correction. 

Charged-Off Accounts XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} This account is being reported as charged off, yet I have not been provided with proper validation, complete account history, or documentation proving accuracy and legal reporting. 

Unauthorized / Unverified Inquiries XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX did not authorize these inquiries and have not received proof of permissible purpose as required by law. 

Late Payment Reporting Errors XXXX Account No. XXXX XXXX Account No. 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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: TX

Complaint narrative:
On XX/XX/XXXX I had XXXX late night transactions from Earnin XXXX ) {$100.00} and XXXX ) XXXX and they had no right nor authorization to take out MONTHS LATER randomly. What they took out was supposed to be food to feed my son and I for the week. Since XX/XX/XXXX I have sent emails and left voicemails for them. No one has contacted me whatsoever ( I have proof ). This has left me sacrificing for my child and I due to them keeping my money. Already talked to my bank they have started the refund process but that'll take XXXX  days. That's XXXX XXXXays of my not having no food. Regardless of the bank if they provide my refund, Earnin needs to be help accountable for negligence especially when I've informed them they took out TO FEED MY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate, unauthorized, and unverifiable information appearing on my Experian consumer credit report as a direct result of the compromise of my personal identifying information through widely reported data breaches. As a result, my credit file contains accounts and an inquiry that I did not authorize and that can not be properly verified. 
Pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681b, 1681e, 1681i, and 1681c-2 ( a ), Experian is required to maintain maximum possible accuracy and to block and delete any information resulting from identity theft or that can not be independently verified with competent evidence. 
Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$6200.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX  XXXX XXXX XX/XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

Company response to consumer: Closed with explanation