vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
am writing to formally file a complaint and request immediate corrective action regarding an inaccurately reported charge-off account appearing on my credit report under the name XXXX XXXX XXXX This account is being reported by Capital One, despite their prior acknowledgment of a discrepancy indicating that the account does not belong to me. 

This erroneous charge-off has caused considerable harm to my credit standing and is actively impairing my ability to secure housing, employment, and essential financial opportunities. I have made repeated efforts to resolve this matter directly with Capital One, and during our communications, it was verbally acknowledged that the account was identified as not belonging to me, and that it would be removed. However, as of this date, the account remains on my credit report, continuing to tarnish my financial record without justification. 

I am requesting the immediate removal of this account from all credit bureaus and a formal letter from Capital One confirming the deletion. If this issue is not resolved promptly, I reserve the right to escalate the matter through formal legal action due to the ongoing reputational and financial damage being caused by this error. 

Please consider this notice a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital is attempting to collect and reporting a debt I do not owe. I have never done business with Spring Oaks Capital or the original creditor ( XXXX XXXX ). I have no signed agreement, contract, or verified account with them. 

I have disputed this account with XXXX and XXXX made it clear this debt is not mine. Despite this, Spring Oaks continues to report inaccurate information, damaging my credit and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB investigate their collection and reporting practices. They have failed to verify this debt or provide documentation and are pursuing a debt that may be linked to identity theft or misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
Subject : Formal Complaint and Debt Dispute Regarding Illegal Lawsuit Identity Theft Victim To : Consumer Financial Protection Bureau ( CFPB ) Cc : CKS Prime Investments LLC Dear CFPB, My name is XXXX XXXX, and I am writing to file a formal complaint against CKS Prime Investments LLC, who has wrongfully filed a lawsuit against me regarding a debt that does not belong to me. 

On XX/XX/XXXX, a lawsuit ( Court Case XXXX XXXX XXXXXXXX ) was filed in XXXX XXXX XXXX XXXX in my name by CKS Prime Investments LLC. I was made aware of this court case recently, and I am absolutely shocked, as this debt is not mine, nor do I have any knowledge of its origin or ownership. 

I am a documented victim of identity theft and was also affected by the XXXX  data breach, which compromised sensitive personal information of over XXXX XXXX Americans, including mine. Due to this breach, my information may have been used fraudulently, and I have been taking steps to correct and monitor my credit ever since.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to dispute any debt I do not owe, and any attempt to collect a debt without proper verification is a violation of federal law. Additionally, filing a lawsuit without validating the debt first is a violation of the Fair Credit Reporting Act ( FCRA ) and can be considered an unfair and deceptive practice under the Consumer Financial Protection Act of XXXX. 

I am formally disputing this debt and demanding that CKS Prime Investments LLC : Immediately cancel and withdraw the lawsuit filed in XXXX XXXX XXXX XXXX. 

Cease all collection activities regarding this matter. 

Provide a full and complete validation of the alleged debt, including a signed agreement, chain of custody, and itemized charges showing how this debt is tied to me. 

If this issue is not resolved promptly and the lawsuit is not nullified, I will pursue my own legal action for damages, including but not limited to violations of the FDCPA, FCRA, and the Consumer Protection Act. 

Please confirm receipt of this dispute, and I request a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I recently received a copy of my credit report and noticed multiple inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IA

Complaint narrative:
I recently received a copy of my credit report and noticed multiple inaccurate information.

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 2025-06-13 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: NC

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate, conflicting, and unverifiable information being reported by CITIZENS ONE ( Account ending in XXXX XXXX ) on my credit reports with XXXX XXXX XXXX XXXX  This dispute is filed under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Summary of the Dispute The issue began with a single 30-day late payment reportedly listed on my account for XX/XX/year>. After contacting the creditor, I was assured verbally that this late payment would be removed. 

However, instead of removing the derogatory mark, the reporting became conflicting and more damaging : XXXX  now shows the XX/XX/year> payment as XXXX, with a status of Pays As Agreed. This update caused my score to increase by XXXX points, which aligns with the creditor correcting the previously inaccurate late mark. 

XXXX, in contrast, now shows the same payment as XXXX  Days Late, downgraded from XXXX and causing a drop of XXXX points in my score. 


This inconsistent and contradictory reporting violates the principle of data integrity. Either the payment was current ( as XXXX  confirms with supporting documentation ), or it was not. It can not be both XXXX and XXXX  Days Late for the exact same billing cycle. 

Legal Basis for My Request Under the FCRA ( 1681i ), both credit reporting agencies ( CRAs ) and furnishers ( like CITIZENS ONE ) are required to conduct a reasonable investigation when a consumer disputes information. If they can not verify the disputed data, they are required to delete it.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) - ( E ) : If a furnisher finds that information is inaccurate or incomplete, or can not be verified after investigation, it must promptly modify, delete, or block the reporting of that information to the CRAs. 

The conflicting reports between bureaus clearly show that the information can not be verified accurately, and therefore, must be removed. 


The creditors inability to provide consistent or verifiable informationpaired with my documented communicationsdemonstrates that the derogatory marks are either erroneous, unverifiable, or misleading, and thus must be deleted to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
I have been received scam calls from multiple numbers at my local area from scammers pretending to be collection agents at Spring Oaks Capital , LLC trying to collect a debt fraudulently. I tried to dispute it from credit bureaus as they keep saying updated/verified, I also filed a CFPB complaint but the company refused to take action removing it. Otherwise I disputed this collection on XX/XX/year> it was deleted on my XXXX account, however it was re-inserted on XX/XX/year> without notice, which violates FCRA 15 USC 1681i ( a ) ( 5 ) ( B ). I request immediate deletion. I filed a FTC report.

Subject : FRAUDULENT DEBT COLLECTION IMMEDIATE CEASE AND DESIST NOTICE To Whom It May Concern : This letter serves as formal notice that I am disputing the debt you claim I owe. Your attempts to collect on this alleged debt are fraudulent, and I believe you are operating as a scam collection agency. I have been receiving scam calls nonstop from different numbers my local area starting area code XXXX. You are hereby ordered to cease all contact with me immediately.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g and 1692e ), you are required to provide written verification of any debt you claim I owe. As of today, you have provided no legal documentation, no signed agreement, no proof of ownership, and no legitimate authority to collect this debt.

Until you provide complete and verifiable proof, including : Name and contact information of the original creditor, Full account number and itemization of the alleged debt, Signed contract or agreement bearing my signature, Proof of your legal right to collect in my state, you are in violation of federal law and must immediately cease all collection efforts.

Let this serve as your legal warning : Any continued attempts to collect on this false claim will be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office.

I will not hesitate to pursue legal action for violations of the FDCPA, including harassment, misrepresentation, and attempting to collect a debt you can not legally prove exists.

All future communications must be in writing. Do not call me, email me, or contact my family, employer, or associates. Any violation of this will be documented and used in legal proceedings.

This letter has been sent via certified mail with return receipt requested. Keep it for your records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit report and noticed that it includes names and addresses that no longer belong to me or are not associated with me. These outdated or incorrect entries can negatively affect the accuracy of my report and potentially impact my credit. 

I am requesting that all names and addresses that are no longer valid be removed from my credit file. I am submitting this dispute so that my report reflects only my current and accurate personal information.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
This complaint is specifically regarding My Cash App account, which is a service provided by Block, inc. was compromised. One day, I logged in and discovered a negative balance of {$94.00}, and I have no idea how that occurred. I havent actively used my Cash App account in about two years, and I was shocked to see a negative balance.

I attempted to contact Cash App for clarity, but have not received a satisfactory explanation. Some of the negative balance may have been automatically paid off, but I did not authorize or recognize the transaction ( s ) that led to this balance.

I believe this is a fraudulent charge, and I am requesting that the negative balance be reversed and that I regain full use of my account. I should not be responsible for charges or activity I did not authorize or initiate.

I want Cash App to investigate this matter and provide a full explanation. I also request reimbursement for any amount that was deducted and restoration of access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CT

Complaint narrative:
Recently I checked my credit report, and I noticed fraudulent accounts in my report. They are hurting my ability to obtain credit

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 2025-06-13 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: UT

Complaint narrative:
Subject : Fraud Dispute under the FCRA Identity Theft Notice Dear Sir or Madam, I am writing to formally dispute the accuracy of certain information that appears on my credit report. Specifically, I am disputing the following accounts, which I believe were opened fraudulently and without my knowledge or consent : XXXX Account No. : XXXX/ with total fraud amount {$300.00} XXXX XXXX XXXX Account No. : XXXX/ with total fraud amount {$1600.00} These accounts were not authorized by me and were likely the result of identity theft. I did not open these accounts, nor have I ever received any goods, services, or funds from these creditors.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I am exercising my right to : Request an immediate investigation into the disputed items.

Have these accounts removed from my credit report if they can not be verified as legitimate.

Receive a free updated copy of my credit report upon conclusion of the investigation.

Be notified in writing of the outcome of the investigation and any action taken.

Additionally, under Section 605B of the FCRA, I am formally requesting that these fraudulent accounts be blocked from my credit report as they are the result of identity theft. Enclosed you will find the following documentation to support my dispute : A copy of a valid government-issued photo ID.

A copy SSN card.

A copy of a FTC REPORT.

Stament WellsFargo Please acknowledge receipt of this letter and confirm that the investigation is underway. I appreciate your prompt attention to this matter in accordance with your legal obligations under the FCRA. 
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 2025-06-13 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: UT

Complaint narrative:
Subject : Fraud Dispute under the FCRA Identity Theft Notice Dear Sir or Madam, I am writing to formally dispute the accuracy of certain information that appears on my credit report. Specifically, I am disputing the following accounts, which I believe were opened fraudulently and without my knowledge or consent : XXXX Account No. : XXXX/ with total fraud amount {$300.00} XXXX XXXX XXXX Account No. : XXXX/ with total fraud amount {$1600.00} These accounts were not authorized by me and were likely the result of identity theft. I did not open these accounts, nor have I ever received any goods, services, or funds from these creditors.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I am exercising my right to : Request an immediate investigation into the disputed items.

Have these accounts removed from my credit report if they can not be verified as legitimate.

Receive a free updated copy of my credit report upon conclusion of the investigation.

Be notified in writing of the outcome of the investigation and any action taken.

Additionally, under Section 605B of the FCRA, I am formally requesting that these fraudulent accounts be blocked from my credit report as they are the result of identity theft. Enclosed you will find the following documentation to support my dispute : A copy of a valid government-issued photo ID.

A copy SSN card.

A copy of a FTC REPORT.

Stament WellsFargo Please acknowledge receipt of this letter and confirm that the investigation is underway. I appreciate your prompt attention to this matter in accordance with your legal obligations under the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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