vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Demand for Immediate Deletion Account # XXXX {$680.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate removal of the following unverified and unlawfully reported account ( s ) from all credit reporting agencies : Spring Oaks Capital Account # XXXX {$680.00} Collection XXXX  Account # XXXX {$680.00} Collection You are currently reporting this debt without having met the federal requirement for proper validation. A final bill, internal record, or summary does not constitute verification under the law. 

As required by 15 U.S.C. 1692g, I am demanding the following : A copy of the original signed agreement with my wet signature A full billing and payment history for this alleged debt A flow sheet showing the complete chain of assignment from the original creditor to Spring Oaks Capital A binding agreement or contract of sale proving your legal right to collect Proof of active licensing to collect debts in the state of XXXX  Failure to provide these documents puts you in violation of : 15 U.S.C. 1692g ( b ) Continuing collection efforts without validation 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable information 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1692f Using deceptive and unfair collection practices You have XXXX calendar days from the date of this letter to : Delete this account from XXXX XXXX XXXX XXXX Cease all collection and reporting activity Provide all required documentation, including the flow sheet and binding agreement Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reports submitted to the Federal Trade Commission ( FTC ) A grievance filed with the XXXX  Attorney Generals Office Civil litigation seeking damages and relief for federal consumer law violations This is your FINAL NOTICE. If you can not fully validate this debt according to federal law, the account must be deleted immediately. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 
PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Account BRIDGECREST XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
Company previously stated voluntary surrender now the status has changed to collections. This is effecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Company   previously stated voluntary surrender now the status has changed to collections. This is effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was terminated from my place of employment on XX/XX/XXXX. I immediately contacted my creditor for the vehicle that I was paying for. ( Truist bank ) I was honest with my location in case I couldnt pay for the vehicle and they wanted to repossess it. I spoke with customer service with truist bank and they agreed to let me continue payments. XXXX weeks later they repossessed my vehicle. The tow truck company they used Stole money ( {$400.00} ) a fire arm ( XXXX XXXXXXXX ) a collectible coin collection I had appraised to be worth over {$4000.00} clothes, my girlfriend at the time prosthetic hand. My hand made wallet and a social security card was missing upon gathering my belongings. they wouldnt let me grab anything from the vehicle myself. They wouldnt let me enter the office or see the truck. I brought both keys for them and went along peacefully. XXXX Texas police and XXXX police would never agree to accepting filing a report ( even though a firearm was taken. I only have a number containing confirmation I called XXXX police. Just to add to the information the monthly payment was {$500.00} more a month than what was agreed upon ( I bought from XXXX XXXX Texas and the monthly payment was {$1400.00} ) the original posting was XXXX ( I have a screenshot ) the papers they provided after signing show XXXX. I paid for this vehicle from XX/XX/XXXX to XX/XX/XXXX without ever missing a payment. I called truist and XXXX XXXXXXXX several times to try and change the payment. I tried to trade the vehicle in, sell it back and they never agreed to do any of it. The papers I signed in the office was not what was emailed to me 2 months later ( I asked atleast once a week for 2 months the for the email until it came ) my credit suffered substantially from making that payment for 2 years and then even more after losing my job. now they repossessed the vehicle and auctioned a truck valuing at $ XXXX {$55000.00} for {$35000.00} and saying I still owe them $ {$31000.00}. I can not pay that and its ruining my daily life and making it hard to do anything with that on my 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX writing to formally dispute the handling of a {$1000.00} fraud case that occurred on XX/XX/2025. I am a Chime customer and was the victim of a scam involving a fake rental property listed at XXXX XXXX XXXX, XXXX, IL. I paid the scammer through my Chime account and discovered shortly after that the property was never available for rent or sale. 

I followed all procedures and filed a dispute with Chime as well as a police report, which I submitted as supporting evidence. However, my dispute was wrongfully denied, and Chime has failed to provide a legitimate reason or evidence supporting this denial. This not only violates my consumer rights but reflects negligence in protecting account holders from fraud. 

Chime advertises XXXX liability for unauthorized or fraudulent transactions, and I fully complied with every requirement, including timely reporting. I am requesting a reinvestigation and a full refund of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> My wallet, credit cards and other personal information were stolen. My GM Goldman Sachs Mastercard was inside my wallet at the time of theft. I contacted Goldman Sachs Bank on XX/XX/year> in the evening to report my credit card stolen. On the call with the representative I was told there were fraudulent transactions that were made on my account. The transaction in the amount of {$5000.00} at " XXXX XXXX XXXX XXXX '' is fraudulent and was not made by me. The representative on the phone explained to me the fraudulent transactions would be removed from my account. The fraudulent transaction has been re-billed back to my account, and Goldman Sachs has sent me a letter stating " there's no evidence to support the fraud claim '' I was told by customer service I would receive a link by email to upload the police report. I've been waiting for several weeks and have not received any links to my email for uploading documents. I have filed the fraudulent Dispute once again and received Case number XXXX. 

I am a victim of identity theft due to my credit cards and personal information being stolen and used on XX/XX/year>. I've mailed in the police report to Goldman Sachs Bank as evidence multiple times and customer service has told me the police report information has not been received. The Police report will be attached to this complaint and CFPB portal as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Case XXXX : Case Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/year> Dismissed/Closed : XX/XX/year> Reason for Dismissal : Failure to File Information Meeting of Creditors ( XXXX ) : Scheduled for XX/XX/year> Disposition : Dismissed and Closed Case XXXX : Case Number : XXXX Court : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Filed XXXX XX/XX/year> XXXX : XX/XX/year> Reason for Dismissal : Failure to File Information Meeting of Creditors ( XXXX ) : Scheduled for XX/XX/year> Disposition : Dismissed and Closed Legal Implications for Credit Reporting Both cases were dismissed for failure to file required documentation, which means : These cases do not result in a bankruptcy discharge. 

Under FCRA 15 U.S.C. 1681c ( a ) ( 1 ), dismissed bankruptcies XXXX still appear on your report for up to 10 years, but you have the right to dispute them if : The reporting is inaccurate or incomplete The dismissal status is not noted properly The dates are incorrect Or theyre being used in a misleading manner by creditors

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 2025-07-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to TransUnion by certified mail regarding several inaccurate and unverifiable items on my credit report. The items I disputed included : XXXX incorrect last active date and unverifiable delinquencies ( {$460.00} balance, opened XX/XX/XXXX ) XXXX XXXX paid charge-off still reporting negatively ( Account # XXXX, {$0.00} balance ) XXXX XXXX late payments misreported during payoff ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX charge-off with conflicting and unverifiable data ( {$130.00} balance ) XXXX XXXX requested verification of ownership and payment records ( {$83.00} balance ) XXXX XXXX XXXX XXXX XXXX XXXX paid collection still reporting ( {$0.00} balance ) XXXX XXXX  Inquiry on XX/XX/XXXX disputed due to lack of permissible purpose. 

I cited violations of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681b. I requested full reinvestigation and deletion of any unverifiable or 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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Please remove from credit report. Information sent by company is inaccurate. I would like to request a forward flow agreement with a wet signature for purchase of debt. I also want an original credit limit and original open date of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am filing this formal complaint regarding an alleged debt reported and/or pursued by Spring Oaks Capital , in the amount of {$1400.00} which I do not recognize and believe to be the result of identity theft. I was not notified of this debt directly and discovered it either through a third-party communication or on my credit report without prior validation.

I have no knowledge, contract, or agreement with Spring Oaks Capital or any original creditor associated with this claim. Furthermore, I have never authorized any transaction, account, or financial obligation that would justify this debt. 

Upon identifying the fraudulent item, I attempted to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by requesting debt validation and documentation. As of this complaint, I have not received sufficient proof of the debt or any verification showing that I am legally responsible for it. 

This situation is causing financial and emotional harm as the debt is damaging my credit score and affecting my ability to secure housing and credit opportunities. I believe this is a direct result of identity theft. I am currently in the process of filing a formal identity theft report with the FTC and will be submitting a police report locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I recently reviewed my credit report and discovered several fraudulent accounts. These accounts are negatively impacting my credit and making it difficult for me to obtain credit. I would appreciate it if these accounts could be removed.

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 2025-07-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed charge-off accounts with Experian multiple times over the past several months. Each time, they returned the dispute as verified without conducting any actual investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ). 

I provided notice that the account is inaccurate and requested validation and documentation, but Experian never provided any evidence or supporting material to justify the continued reporting. Despite repeated disputes, they simply sent back generic responses claiming the account was verifiedwithin XXXX XXXXswithout addressing any of my concerns or updating the reporting. 

It is my understanding that Experian is currently facing litigation over this exact practicefailing to perform proper reinvestigations and blindly verifying disputed information without any meaningful review or communication with the furnisher. 

The account in question is a charge-off that is either inaccurate or unverifiable, yet Experian continues to report it and refuses to fulfill its legal obligations under the FCRA. I believe this is a willful violation of federal consumer protection laws. 

I am requesting that this matter be formally reviewed, that Experian be required to conduct a full and lawful reinvestigation, and that the account be removed from my credit report if it can not be substantiated with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX XXXX MA XXXX RE : Formal Demand for Immediate XXXX XXXX XXXX XXXXXXXX {$140.00} Collection To Whom It XXXX Concern, This letter serves as a final demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I am demanding the immediate deletion of the following account, which is being reported without lawful validation : Credit Collection Services Account # XXXX {$140.00} Collection Let me be absolutely clear : A final bill, summary statement, or internal document does NOT satisfy the legal requirement for debt validation. You are currently in violation of multiple federal laws by continuing to report this account without proper documentation.

As required by 15 U.S.C. 1692g, you must provide : A copy of the original contract or agreement with my wet signature A complete billing and transaction history A flow sheet showing the full chain of assignment from the original creditor to your company A binding agreement or purchase contract proving your legal right to collect Proof of active debt collection licensing in the State of Illinois Failure to comply with these requirements constitutes a violation of the following : 15 U.S.C. 1692g ( b ) Continuing collection without validation 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable data to credit bureaus 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed credit information 15 U.S.C. 1692f Use of unfair or deceptive practices You are hereby granted 15 calendar days from the date of this letter to : Delete this account from XXXX XXXX XXXX XXXX  Cease all collection activity immediately Provide all requested documentation, including the flow sheet and binding agreement If you do not comply, I will take the following actions without further warning : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Report your agency to the Illinois Attorney Generals Office Initiate civil legal action to recover damages for willful violations This is your FINAL NOTICE. Either comply with federal law or face the legal consequences. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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