vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this statement to formally report identity theft and an unauthorized credit account. 

I did not apply for, open, authorize, or consent to the Capital One Credit Card account that appears on my credit report. This account was opened without my knowledge or permission. I did not complete any application, provide written or electronic authorization, receive the card, activate it, or make any purchases. I have not benefited from this account in any way. 

I first became aware of this unauthorized account while reviewing my credit report and financial records during my bankruptcy process. Because this account was fraudulently opened using my personal identifying information, I dispute all balances, charges, and liability associated with it. This account does not represent valid consumer debt and should not be included in my bankruptcy. 

Additionally, the address associated with this account does not match my current or previous addresses, further confirming that this account is fraudulent. 

Federal Law Basis Fair Credit Reporting Act ( FCRA ) 605B, 15 U.S.C. 1681c-2 I am entitled to the immediate blocking and removal of any information resulting from identity theft upon submission of a valid Identity Theft Report.

FCRA 609 ( e ), 15 U.S.C. 1681g ( e ) I have the right to request and receive documentation that allegedly bears my authorization for this account.

Truth in Lending Act ( TILA ), 15 U.S.C. 1643 I am not legally liable for unauthorized credit card accounts or charges.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p Any attempt to collect on this fraudulent account after notice may constitute unlawful debt collection practices.

Formal Demand I formally request that Capital One and all credit reporting agencies : 1.Conduct a full investigation into this fraud 2.Permanently remove this account from my credit file 3.Cease all collection and reporting activity 4.Provide written confirmation that I have no liability for this account I certify under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
I am formally disputing a debt that is being reported to consumer credit bureaus and negatively impacting my credit profile. I have never received any written notice, validation, or documentation explaining what this alleged debt is for, why I owe it, or how the amount was calculated. 
I have repeatedly requested written debt validation from the debt collection company, including proof of the debt, the identity of the original creditor, and documentation showing that I have any legal obligation to pay this alleged balance. No such documentation has been provided despite my requests. 
The debt collector continues to assert that I owe a debt while failing to provide proof, which is absurd, misleading, and unlawful. Reporting a debt to credit bureaus without providing validation is a violation of federal consumer protection laws.This conduct appears to violate, but is not limited to, the following : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Debt collectors are required to provide written validation of a debt upon request. Continued collection or reporting activity without validation is prohibited.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Furnishers of information must ensure accuracy and must not report unverifiable or disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Good News Group, LLC d/b/a Savvy Loans
State: TX

Complaint narrative:
I am submitting this complaint against Good News Group , LLC d/b/a Savvy Loans for improper loan handling, refusal to honor cancellation rights, misrepresentation of amounts owed, and unlawful third-party debt collection during an active dispute. 

On XX/XX/year>, Savvy Loans deposited {$200.00} into my bank account. I disputed the loan and attempted to cancel it in the same day ( less than an hour ) and again within the XXXX day cancellation period outlined in the XXXX XXXX XXXX. I was informed that cancellation was not possible because the funds were " already being disbursed, '' despite the agreement allowing cancellation by repayment of the principal within the cancellation window. 

I formally disputed the alleged loan multiple times in writing and repaid {$130.00} toward the {$200.00} principal. I repeatedly offered to pay the remaining {$68.00} to close the account in compliance with the cancellation provision. Savvy Loans acknowledged this amount in writing and requested payment to close the account, yet failed to finalize the cancellation. 

Despite the ongoing dispute and unresolved cancellation, Savvy Loans continued to assess fees, inflate the balance, and on XX/XX/year>, issued an overdue notice claiming a balance of {$330.00}. Savvy Loans then referred the account to a third party debt collector, InDebted, while the dispute remained active On today 's date ( XX/XX/year> ), I received an initial collection notice from InDebted stating they are collecting on behalf of Savvy Loans. The debt was already disputed prior to referral. I have disputed the debt with the collector and requested validation. 
Savvy Loans ' actions constitutes : 1. Failure to honor contractual cancellation rights.

2. Misrepresentation and inflation of the amount owed 3. Continued collection activity during an active dispute 4. Improper third-party referral 5. Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Electronic Funds Transfer Act ( EFTA ) I am requesting that the CFPB require Savvy Loans to : Void all activity Cease all collection Delete my account and all information about me Provide confirmation it's closed without penalties or a debt I have all evidence to prove my reasoning for a fair review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, over a day after activation, my Vanilla VISA gift card refuses to work online, which I believe is due to a lack of billing address ( that of which can not be applied on the card 's online dashboard ). Calling customer support resulted in XXXX minutes of an automated assistant into a representative that couldn't hear me and hung up. Upon more research, this seems like a common issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Credit Bureau Name ]. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit report ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, TX while my credit report shows an outdated address of XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX. I request that my current address be updated accordingly. 
3. Incorrect Contact Information : Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Credit Bureau Name ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I request that Navy Federal Credit Union be required to take the following corrective actions : Conduct a full and lawful investigation of the auto loan account in question, with consideration of the fact that the account was closed by the lender while I was incarcerated and unable to manage or protect the account. 
Correct all inaccurate, incomplete, and inconsistent reporting of this account across XXXX XXXX XXXX XXXX to clearly reflect that the account was closed by the creditor due to fraud and account security issues, and that no delinquency or consumer fault occurred. 
If Navy Federal Credit Union can not verify and report the account with complete accuracy and consistency in compliance with the Fair Credit Reporting Act, permanently delete the tradeline from all consumer reporting agencies. 
Provide written confirmation that the corrected information has been furnished to all consumer reporting agencies and that no adverse or misleading credit reporting related to this account will continue. 
This resolution is necessary to prevent ongoing harm caused by inaccurate credit reporting and to ensure compliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
While this account is closed, it continues to show late payments, which is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to consumer reporting agencies must be accurate, complete, and not misleading. Reporting late payments on a closed account that was paid on time, or that no longer reflects an active obligation, violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : BANK XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 
Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 
Sincerely, 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 2025-12-27 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:
On or about XX/XX/year>, both XXXX XXXX XXXX  accounts ending in # XXXX and # XXXX were properly deleted from my Equifax credit report following prior disputes, as clearly shown in my Equifax 1-Bureau report dated approximately XX/XX/year>. 
These same two accounts have now been illegally reinserted onto my Equifax report without compliance with the mandatory procedures required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

Specifically : Equifax failed to obtain certification from the furnisher ( XXXX XXXX XXXX  ) that the information is complete and accurate prior to reinsertion. 
Equifax failed to provide me with written notice of the reinsertion, including the name, address, and phone number of the furnisher, within XXXX business days of reinserting the items. 
This illegal reinsertion constitutes willful violations of FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) ( iii ) and 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ).

These accounts were previously removed as a result of my disputes, and their reappearance without following federal law is un
acceptable and damaging to my credit profile.

I demand : Immediate and permanent deletion of both XXXX XXXX XXXX  accounts ending in # XXXX and # XXXX. 
Written confirmation of the permanent deletion mailed to my address. 
An updated Equifax credit disclosure reflecting the removals.

If Equifax fails to comply, I will pursue all remedies available under FCRA 1681n, including statutory damages up to {$1000.00} per willful violation, punitive damages, and attorney fees. 

Attachments include : Equifax report dated XXXX XXXX, XXXX  showing both accounts DELETED Current Equifax report showing illegal REINSERTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-27 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: TX

Complaint narrative:
The information for the charged off accounts came back verified and accurate. Submitted to CFPB as of 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 2025-12-27 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: MO

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Although this account has been paid in full and the balance satisfied, it continues to show late payment notations that are inaccurate.

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 2025-12-27 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Duplicate collection debt being reported from Harris & Harris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
FDCPA & FCRA VIOLATIONS Consumer : XXXX XXXX XXXX : XXXX ( Collections ) Account No. : XXXX I am filing this complaint against XXXX for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
I disputed the alleged debt and requested validation. In response, XXXX sent a letter dated XX/XX/year> titled XXXX of the XXXX. This document merely restated an alleged balance and creditor name and did not include any documentary proof of ownership or authority to collect. 
Specifically, XXXX failed to provide : A bill of sale or assignment agreement A servicing agreement or power of attorney Any chain of title identifying my specific account Despite failing to validate the debt, XXXX continues to assert collection authority. This conduct violates 15 U.S.C. 1692g ( b ) by failing to cease collection activity, as well as 1692e and 1692f by misrepresenting legal authority and engaging in unfair practices. 
If this account is being reported to consumer reporting agencies, such reporting without proof of authority also violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act. 
I am requesting that the CFPB require XXXX to : XXXX ) Provide lawful proof of ownership or authority, or XXXX ) Cease collection and delete any related credit reporting. 
I have retained copies of all correspondence and request relief as allowed by law. 

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