vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  LA XXXX XX/XX/year> Plazas Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Debt Validation Request To Whom It May Concern, This letter is a formal dispute of the debt you claim I owe, as referenced above, and a request for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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

2.The complete payment history, including an itemized breakdown of the alleged balance, interest, and fees.

3.A copy of the original signed contract or agreement s
howing my obligation to pay.

4.Documentation proving you have the legal right to collect this debt, including a full chain of title/assignment from the original creditor to your company.

5.Proof you are licensed to collect debts in my state, including your license number.

Until you provide all requested documentation : You must immediately cease all collection activity, including phone calls, letters, and legal action. 
You must cease and desist all credit reporting of this alleged debt. 
If you have already reported it, you are required to inform all credit reporting agencies that the debt is disputed. 

If you can not validate this debt in full, you must remove any negative credit reporting related to it from XXXX XXXX XXXX XXXX immediately. 

Failure to comply will be considered a willful violation of federal law, and I will not hesitate to report your actions to the Federal Trade Commission, Consumer Financial Protection Bureau, and my State Attorney Generals Office. I will also consider pursuing damages in civil court for violations of the FDCPA and FCRA. 

Please respond to this request within 30 days of receipt. All communication regarding this matter must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: WI

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Debt Validation Demand XXXX XXXX XXXX XXXX C {$790.00} To Whom It May Concern, I am disputing the reporting of a collection account by XXXX XXXX XXXX XXXX XXXX in the amount of {$790.00} on my Experian and Equifax credit reports. This debt is not mine and is being reported by a company that is not licensed with the NMLS to collect in the State of Ohio, making this collection activity unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer laws, your continued reporting of this account is a violation of : 15 U.S.C. 1692c ( c ) Cease communication requirement when a debt is disputed.

15 U.S.C. 1692g Obligation to provide written debt validation within 30 days of dispute.

31 U.S.C. 5118 Prohibits enforcement of certain obligations inconsistent with U.S. law.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

Regulation F ( 12 CFR Part 1006 ) Prohibits deceptive or misleading debt collection practices.

12 CFR 1026.13 & 15 U.S.C. 1666b Billing error resolution and prompt crediting of payments.

Debt Validation Demand : Pursuant to 15 U.S.C. 1692g and Regulation F, I demand the following documentation : A complete Assignment Contract showing the legal right of XXXX XXXX XXXX XXXX C to collect this alleged debt. 
The Forward Flow Agreement establishing their role in handling this alleged account. 
Proof that they are licensed to collect debts in Ohio, including NMLS registration.

If these documents can not be produced, you are required to immediately delete this account from my credit file under 15 U.S.C. 1681i.

Failure to comply will result in formal complaints filed with the CFPB, FTC, State Attorney General of Ohio, and legal action for damages under 15 U.S.C. 1681n & 1681o and 15 U.S.C. 1692k.

I demand the immediate and permanent deletion of this account from my Experian and Equifax credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I accumulated XXXX XXXX reward points with my Chase credit card in partnership with XXXX but still have not received any of them. 

In XX/XX/XXXX, I obtained a Chase credit card in partnership with XXXX. 

On XX/XX/XXXX, my Chase credit card statement clearly reflects a transfer of XXXX XXXX points to my XXXX account. 

On XX/XX/XXXX, I concluded a legal dispute with XXXX through XXXX ( a XXXX arbitration body ). XXXX stated ( in writing and at a legal hearing ) that they had no record that the XXXX transfer was made from the Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I Have been Banking w Bank of America for a little over 16 yrs, with a checking account and a savings account. I opened up a new Checking account that was to be used more for the ranch ( small ) and for things I do fixing Farm Equipment I've bought and vehicles I repair or other uses. My wife and I are going thru a Divorce now and I have what I consider a Significant Other. She needed to deposit some money to the account and pay for things she and her Grand mother needed food and medicines for the grand mother needed. XXXX XXXX yrs old and to remember everything the bank wants to put in its rules etc. I don't exactly remember. I allowed my SIG. Other access to my account and the bank didn't like it!! Well now they have prevented me accessing my account at all as of XXXX and from paying my bills My Truck Payment and my auto insurance " which I'm sure is canceled '' so now I have XXXXo drive without my Insurance. My mortgage payment, its now been since the XXXX of XXXX and the bank refuses to let me withdraw my funds and states they will be mailing out 3 Cashiers checks to me by first class mail sometime today Friday XXXX or on Monday XXXX!! This is putting me under extreme financial hardship Right now!! I dont think that there is anything " ILLEGAL '' for her to do something as simple as this, Its not committing FRAUD or anything to create such a problem. Now B of A is creating a VERY Immature response to me and in regards to my bills which are now over due!! I consider their actions to be an Invasion of My Privacy!! They need to be punished accordingly especially with regards to releasing my funds when I have asked. I drove to the Branch and had one of their officers try to help me with no success. There is no good reason the bank needs this kind of power over anyone that cant be put onto the account immediately My Sig. Other is not able to get her own account right now she cant be here with me because she is taking care of her Grand Mother in Georgia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo decided to end business relationship due to a fraudulent check that was deposited in my account after my wallet was stolen and I called to report the incident but they closed my accounts with no warning and wont let me open another for something that wasnt my fault and my name wasnt endorsed correctly.. but they said since my name was on the check its my fault. Date : XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was opened without my knowledge or consent and is a direct result of an ongoing, multi-year identity theft case that has severely impacted every part of my life. It is deeply unacceptable that Equifax continues to report this fraudulent account despite the overwhelming documentation Ive provided and the fact that other bureaus, including XXXX XXXX XXXX have already removed this same account after validating my FTC identity theft claim. I have been dealing with identity theft for 4 years. Its becoming severe. I just found about XXXX XXXX profiles using my name and profile photos- and they are using a photo of my drivers license as one of them.Its a photo of me holding my drivers license that I took about 4 years for identity verification when I had to get pandemic unemployment benefits. They will not stop posting it. It has been on XXXX and XXXX images before too. I managed to get that one off ; but they just keep reposting it. I strongly believe that it happened when i came to USA as an XXXX XXXX and lost my wallet, but the owner of the party said there was no wallet found anywhere To make matters worse they are posting it from a XXXX profile that has exposed children 's photos as well. I am horrified. I think I might actually have a mental breakdown.The XXXX  showed up to the address on my drivers license while I was away and my family answered the door ( this was a year ago before I made the first police report ) .I feel like theyre trying to completely destroy my life and I have no idea who it is. They have a bunch of XXXX languages on these profiles with thousands of followers who are all seeing my ID.XXXX doesnt care when I report the fake profiles. There is actually a XXXX XXXX on one that is using my ID as the profile photo. I have already frozen all three agencies and added a fraud alert on each. I got in touch with the one card that has been opened so far and reported as fraudulent. I got in touch with one other that was still in the application phase and got it cancelled as fraud, and i dont understand why equifax is not going anything, i am going to attach the copy of my XXXX  report where this account was removed because it is a fraud and i am asking the same from equifax XXXX 
Here is the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} I demand immediate and full resolution of this issue. My FTC case number is XXXX. I was new to the U.S., had no understanding of the credit system, and did not authorize anyone to open accounts in my name. These accounts are fraudulent, and I will not allow them to destroy my financial future..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. code 1681i - procedure in case of disputed accuracy, and 15 U.S. code 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information in 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. code 1681i - procedure in case of disputed accuracy, and 15 U.S. code 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information in 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : account name : XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX account number : 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