vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> sometime after XXXX EST I received a text message from Capital One asking if I had used my debit card for a transaction with XXXX XXXX When I followed the link provided to respond, the computer asked me to enter my card number, but then said it couldn't find a card with that number. I tried logging onto my bank account on my laptop, and used the Help button, but there was no way to respond to the fraud report. I tried calling the number on the back of the card, but was again led to a computer asking me to enter my card number, and then again being told the number didn't exist. I did a XXXX search for a number to call. I finally reached a live person, but they were unable to help me as they only worked with credit cards. They transferred me back to the original computer that still didn't recognize my issued debit card. I spent an hour trying multiple ways to contact Capital One. I couldn't even find an email address, nor was there a way to send a message thru my bank app. I finally gave up and just moved all of the money out of that specific account to my savings that doesn't have a debit card. 
The next day I discovered that my card had been turned off, and I had to jump through several hoops to get it turned back on as I had discovered the source of the suspected fraud, and it was not a threat to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Credit Corp Solutions , Inc. for unlawful collection activity, false representations, and participation in an improper verification of an alleged debt, which is already part of an active CFPB investigation. 

On XX/XX/year>, I filed CFPB complaint # XXXX against XXXX  because XXXX  illegally verified several accounts, including the Credit Corp Solutions account XXXX while my personal identifying information ( PII ) was corrupted. My XXXX  file contained an incorrect Social Security number, multiple false name variations, and outdated addresses. Under FCRA 611 ( a ), XXXX  was prohibited from conducting or completing any reinvestigation until my PII was corrected. 

Despite this, XXXX  verified the Credit Corp Solutions collection account, and shortly afterward, Credit Corp Solutions mailed me a duplicate dispute letter claiming they had already investigated my dispute. This is false. I have never contacted Credit Corp Solutions at any time prior to receiving this letter, and I have never received any validation or notice from them before. Their statement that this was a duplicate dispute is deceptive and violates FDCPA 807.

Credit Corp Solutions furnished information to XXXX  and verified the debt even though they have never validated anything under FDCPA 809 ( b ) or Texas Finance Code 392.202. They did not provide the original contract, itemized balance, billing history, chain of title, proof they own the debt, or any documentation showing what they allegedly verified with XXXX. They are reporting and collecting on a debt they have never validated. 

As soon as I received their first and only letter, I mailed a formal debt validation request under FDCPA and Texas law and instructed them to cease all reporting and collection until validation is provided. They have not provided any of the required documentation and are still reporting the account.

Credit Corp Solutions knowingly or negligently participated in an unlawful reinvestigation with XXXX  during a mixed-file situation, made false statements in writing, failed to validate the debt, and continued to furnish and collect information they could not legally verify. I am requesting CFPB intervention, deletion of the account from all credit bureaus, and regulatory review of their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
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
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX failed to provide proof of lawful repossession and compliance with Texas state notice requirements. Texas law requires the creditor to send a Notice of Default/Right to Cure, a Notice of Intent to Accelerate, a Notice of Sale, and a Post-Sale Deficiency Notice, each with proper mailing and timing. XXXX did not provide proof of mailing, proof of delivery, or copies showing that the notices met statutory requirements. Without verified evidence that the repossession and sale complied with state law, the deficiency balance is legally disputable, and the information being furnished to the CRAs is inaccurate and misleading under the FCRA.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
On XX/XX/year>, docket was given that shows court orders for tenant. XXXX XXXX XXXX  XXXX, XXXX and/or owner continued to send/sell inaccurate information/report to Columbia Debt Recovery Company .

The information that is being reported by Columbia Debt Recovery on all 3 bureaus is inaccurate/false.

The FCRA requires credit reporting companies to ensure the accuracy of the information they collect and to correct or remove any inaccuracies that are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I requested documents proving I owed this debt but the debt collector failed to provide the proper documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I sent {$140.00} through XXXX after being misled by an individual who falsely represented what I was paying for. This was fraud induced by deception. As soon as I realized I had been scammed, I contacted Bank of America to report the transaction and request a fraud investigation. Bank of America denied my claim and stated they would not reimburse the funds, without providing a clear explanation of what evidence they reviewed. I requested additional information about the denial and the basis of their decision, but the bank did not provide it. I am requesting a full investigation and reimbursement for this fraudulent transaction.

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 2025-11-25 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: WV

Complaint narrative:
I am filing this complaint because a collection account from XXXX XXXX ( or the company listed on my credit report ) is being reported to the credit bureaus without any proper validation or required documentation, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I have never received any initial communication, validation notice, or written correspondence from this collector as required under FDCPA 15 U.S.C. 1692g ( a ). They began reporting to the credit bureaus without providing the mandatory written validation of the debt.

This means the debt collector is : 1. Reporting unverifiable information 2. Failing to provide validation after repeated disputes 3. Continuing to furnish information that has not been proven accurate 4. Violating FCRA 602 ( A ) and FCRA 623 ( a ) ( 1 ) ( A ) by failing to ensure accuracy and completeness 5. Ignoring my written disputes submitted to the credit bureaus per FCRA 611 I requested validation, including the following : Original creditor name Itemized accounting of the amount claimed Proof of ownership / chain of title Signed contract or agreement Date of alleged default Notice of assignment or sale The collector has not provided any of these items.

Despite this, they continue to report the account, which is unverified, inaccurate, and incomplete. The credit bureaus are also failing to conduct a proper investigation, and the collector is continuing to furnish data that can not be substantiated.

I am requesting the CFPB to require : 1. The collector to provide full validation or immediately cease reporting the account.

2. The credit bureaus to remove the account if the collector can not verify it.

3. Documentation from the collector proving that they ever sent the legally required initial written notice.

I am seeking resolution because the continued reporting of an unverified and unvalidated debt is causing financial harm and violates federal law.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I rented a car with XXXX from XX/XX/year> to XX/XX/year>. On XX/XX/year> they send me a letter stated that I got a parking violation on XX/XX/year>. I checked where did I go and I didn't get any ticket. First of all, there was my family on the car, I just parked there and went pick up a dessert for couple minutes. Second, there was no any XXXX or police officer that leave ticket on the car. XXXX send me a parking violation after XXXX and XXXX months I rented the car doesn't make sense to me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
This agency is in violation of 15 US 1692g. They were to notify me of this in writing 5 days r was not notified. As the original creditor, only I can validate this debt. I do not validate this lebt.

Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted The reporting of these accounts ) is/are violations of 15 USC 51681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 51602 ( g ), " credit card '' is defin This makes your social security card, driver 's license/ID, and license plate credit cards that al tre used ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term * " does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly b issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing f2 324 purpose of obtaining money, property, labor, or services on credit. for the extension of 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 2025-11-25 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: FL

Complaint narrative:
This agency is in violation of 15 US 1692g. They were to notify me of this in writing 5 days r was not notified. As the original creditor, only I can validate this debt. I do not validate this lebt.

Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted The reporting of these accounts ) is/are violations of 15 USC 51681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 51602 ( g ), " credit card '' is defin This makes your social security card, driver 's license/ID, and license plate credit cards that al tre used ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term * " does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly b issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing f2 324 purpose of obtaining money, property, labor, or services on credit. for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Balance : {$0.00} - Account # : XXXX XXXX BANK - Balance : {$23000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the 1099-C ( Cancellation of Debt ) that was issued by Online Information Services for the amount of {$580.00}. This form appears to have been filed or reported in error, misreported to the IRS, or is currently being inaccurately reported on my credit file.

Under IRS regulations, a Form 1099-C does not automatically confirm that a debt has been forgiven, cancelled, or that any remaining balance is collectible. If a 1099-C was issued, I request clarification and proper documentation proving : The valid date of cancellation of debt ( COD ) as required under IRS 6050P .

Proof that the debt was legally discharged, forgiven, or canceled, not merely written off.

Proof of ownership and authority to collect this debt at the time the 1099-C was issued.

Copies of all related account statements, contracts, and charge-off documentation.

In addition, if the debt has been cancelled ( as implied by the filing of a 1099-C ), your company is required to : Update my account status to Cancelled or Paid Canceled Debt, not Charge-off, and Cease any collection attempts, as a canceled debt is no longer legally owed.

Until proper documentation is provided, I dispute the validity of both the debt and the 1099-C filing. As required under the Fair Credit Reporting Act ( FCRA ) and IRS reporting laws, please investigate this matter and correct all inaccurate credit reporting immediately.

I request your written response after receiving this letter.

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OR

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A 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 DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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

Company response to consumer: Closed with non-monetary relief