vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
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 a 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 2025-11-26 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: TX

Complaint narrative:
I am writing to dispute the following items on my TransUnion credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF XXXX XXXXXXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$500.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX : {$570.00} XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$130.00} XXXX CARD XXXX XX/XX/XXXX Balance : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX LATE PAYMENTS XXXX  XXXX XXXX XXXXXXXX

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital is reporting a collection account with inconsistent dates, missing chain of title, and duplicate reporting ( Spring Oaks + SpringOAKCAP ).

They have failed to validate : Original signed contract Chain of custody Accurate balance Date of first delinquency They also reported contradictory comments on different bureaus.

Under FDCPA 809 ( b ) and FCRA 611, unverifiable information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
* * CFPB Complaint - Identity Theft and Fraudulent Credit Reporting * * problem * * Complainant Information : * * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX  Ave., Apt XXXX, XXXX, LA XXXX Phone : XXXX Email : XXXX * * Complaint Against : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Summary of Complaint : * * I am a victim of identity theft and data breach. Fraudulent accounts were opened in my name without my authorization. These accounts are being reported to my credit file and are damaging my creditworthiness. I filed an FTC Identity Theft Report ( FTC Report # XXXX ) on XX/XX/year> and included a sworn statement and affidavit under penalty of perjury. Despite providing proper notice under the Fair Credit Reporting Act ( FRA 605B ), these fraudulent accounts remain on my credit report. The credit reporting agencies and furnishers have failed to block or remove the accounts as required by law. * * XXXX Accounts : * * XXXX. 
XXXX XXXX XXXX- {$31000.00} XXXX. XXXX - {$1400.00} fraudulent charges * * Laws Violated : * * - FCRA 605B - Requires CRAs to block fraudulent information within 4 business days upon receipt of identity theft documentation. - FCRA 611 ( a ) ( 1 ) ( A ) - Failure to conduct a proper reinvestigation and provide verification of disputed information. - FCRA 623 ( a ) ( 1 ) ( A ) - Furnishers are prohibited from reporting inaccurate or unverifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
* * CFPB Complaint - Identity Theft and Fraudulent Credit Reporting * * problem * * Complainant Information : * * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX  Ave., Apt XXXX, XXXX, LA XXXX Phone : XXXX Email : XXXX * * Complaint Against : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Summary of Complaint : * * I am a victim of identity theft and data breach. Fraudulent accounts were opened in my name without my authorization. These accounts are being reported to my credit file and are damaging my creditworthiness. I filed an FTC Identity Theft Report ( FTC Report # XXXX ) on XX/XX/year> and included a sworn statement and affidavit under penalty of perjury. Despite providing proper notice under the Fair Credit Reporting Act ( FRA 605B ), these fraudulent accounts remain on my credit report. The credit reporting agencies and furnishers have failed to block or remove the accounts as required by law. * * XXXX Accounts : * * XXXX. 
XXXX XXXX XXXX- {$31000.00} XXXX. XXXX - {$1400.00} fraudulent charges * * Laws Violated : * * - FCRA 605B - Requires CRAs to block fraudulent information within 4 business days upon receipt of identity theft documentation. - FCRA 611 ( a ) ( 1 ) ( A ) - Failure to conduct a proper reinvestigation and provide verification of disputed information. - FCRA 623 ( a ) ( 1 ) ( A ) - Furnishers are prohibited from reporting inaccurate or unverifiable 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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX Account XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal demand for validation of the alleged debt above. I dispute this debt and request proper documentation showing ownership, itemization, and collection rights. 

Until validated, stop all collection activity and reporting. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Assured Financial Partners
State: NC

Complaint narrative:
They are affiliated with a XXXX XXXX XXXX group who continually call so I will call them back. When I called them back, they threatened lawsuits, wage garnishment and arrest over unpaid credit cards from XXXX. I have asked them repeatedly to stop calling and they refused even promising to call every day. They have lied and said they sent papers to my home address by mail and in person to which they claim I am intentionally avoiding ( I work from home and so this is impossible ). After researching, they are notorious for changing their company name. Currently, they call themselves XXXX XXXX XXXX ( XXXX ) out of XXXX, Texas.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is attempting to collect a debt allegedly owed to Chase Bank without providing the legally required validation. On XX/XX/2025, the company sent me a Settlement Offer and a Debt Settlement Agreement regarding an alleged Chase account ( File ID : XXXX, Account ending in XXXX ). This correspondence stated an original balance of {$8400.00} and demanded that I sign a settlement agreement for {$2700.00}. available only for today if not must pay full amount. 
XXXX XXXX XXXX refused to provide any verification or documentation proving : that they legally own or are authorized to collect this debt, that the debt is valid and accurate, how the balance was calculated, any chain of assignment, any original contract or account statements. 

Instead, they attempted to pressure me into signing documents authorizing payment, including language stating that any deviation may result in action being brought upon you. They also included language requiring me to agree not to reverse this transaction, which is coercive. 

When I asked for verification of the debt, the company refused to provide any of the required information. They only repeated demands for payment and insisted I sign the settlement agreement. 

Evidence Provided : I have attached the settlement letter and Debt Settlement Agreement dated XX/XX/2025 from XXXX XXXX XXXX, which shows : The alleged account details The settlement demand Threatening language Lack of any legally required validation information Instructions to sign a settlement contract without providing documentation These documents show attempts to collect without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used two {$10.00} certificates to make an order on XXXX on XX/XX/year> ( order # : XXXX ). Soon after purchase, I decided to cancel my order. During the cancellation flow, Best Buy communicated that the certificates would be returned to me for reuse. However, when I reached out to customer support, they told me that the certificates used would not be returned to me as previously indicated, telling me they were " promotional ''. Instead of acknowleding that they presented inaccurate information to customers in the cancellation flow, they insisted on buried terms that were not consistent.

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 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
This is my follow-up complaint regarding Credit Acceptance. Their response did not resolve the issues I raised, and they failed to provide the documentation required to validate the account or address the billing dispute. 

I requested full documentation showing the accuracy, ownership, and legality of this account. Credit Acceptance did not supply the following required information : 1. A complete payment history and accounting ledger showing how every payment was applied to principal, interest, and fees.

2. A full interest calculation breakdown, including how interest is computed, the total interest charged to date, and any changes to the interest rate or balance.

3. Documentation identifying all entities with an ownership or financial interest in the account, including any assignments, transfers, securitization, or third-party servicing involvement.

4. Proof that Credit Acceptance funded or loaned actual money to originate this contract, including evidence of consideration, disbursement of funds to the dealership, or proof of purchase of the retail installment agreement.

5. Billing dispute investigation records, including findings, audit results, and documents showing how they investigated my dispute as required by federal consumer law.

6. A complete copy of the original retail installment agreement, including every page, signature, and disclosure.

7. Verification of all information they are furnishing to the credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). They did not provide any verification supporting the accuracy of their reporting. 



Their response was generic and did not provide any of the requested documents, nor did it resolve my billing dispute. Without this information, I can not confirm whether the loan balance, interest calculations, servicing, reporting, or ownership of the account is accurate or lawful.

I am requesting that the CFPB require Credit Acceptance to provide : A full accounting ledger for the life of the loan A detailed interest computation and balance explanation Funding/consideration documentation All billing dispute investigation records Complete copies of the contract and related documents Identification of all entities with an interest in the account Verification of all information they are reporting to credit bureaus This account remains in dispute, unverified, and unresolved until Credit Acceptance provides proper documentation.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
I must emphasize the profound frustration and disruption caused by this situation. Upon waking one day, I discovered an unverified debt that is not mine, accompanied by relentless harassment across multiple communication platforms using various tactics. I never anticipated facing threats of legal action as part of my daily routine. As a law-abiding citizen, I find this deeply insulting and a blatant violation of my consumer rights. This ordeal has severely impacted my mental health, resulting in several sleepless nights.

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 2025-11-26 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: CA

Complaint narrative:
XXXX XXXX Account has been opened under my name its an fraudulent Account

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 2025-11-26 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 following items are being reported inaccurately by Equifax. I request deletion or correction unless full verification from the original creditor can be produced. 

Charged Off Accounts Creditor Account Number Date Opened Reported Balance DP OF EDUC XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX CARD XXXX XX/XX/XXXX {$25000.00} Late Payments Creditor Account Number XXXX  XXXX XXXX  XXXX There are no recent inquiries listed, but I request that Equifax confirm no unauthorized inquiries exist within the last 24 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I recently checked my credit report and noticed a fraudulent account. Please remove this account from my report as it is affecting 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because the credit bureaus are reporting an XXXX XXXX account with multiple inaccuracies and inconsistent information, and they have not properly investigated my disputes. Im not a professional, but I have been studying the FCRA and Metro 2 guidelines because Im trying to understand my rights. Despite this, it feels like the credit bureaus are taking advantage of me by repeatedly verifying information that is clearly wrong. 

The account is being reported differently by each bureau. The dates, balances, dispute status, and even basic account details do not match. XXXX  is reporting late payments ( XXXX days ) even after the account was charged-off, which is not allowed under Metro 2 guidelines. TransUnion says the account is not disputed, while XXXX  says it is disputed, and XXXX  is missing important fields like the account number, dates, balance, and payment history. 

This violates the FCRAs maximum possible accuracy requirements under 602 ( A ) and 607 ( b ). I have disputed this already, and the bureaus still verified it even though they are all reporting different information. That makes me feel like they didnt conduct a proper reinvestigation under FCRA 611.

I am requesting that the CFPB require all three bureaus and the furnisher to conduct a real, thorough reinvestigation following FCRA 611 and Metro 2 standards. If they can not verify the information with 100 % accuracy and consistency across all bureaus, I want this account corrected or deleted as required by 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Financial  Corporation
State: WI

Complaint narrative:
I am filing a complaint against Franklin Financial in Wisconsin regarding an auto-secured loan. 

Franklin Financial repossessed my vehicle in XXXX. After the repossession, the company took me to court and obtained a judgment for wage garnishment. I completed all garnishment payments required by the court. 

Despite the repossession and the completed garnishment, Franklin Financial continues to report the account on my credit report as open and active, with a remaining balance. The reporting does not reflect : the XXXX repossession, the lawsuit and judgment, or the garnishment payments that were completed. 

Because the company is reporting the account as open and active instead of accurately reporting the repossession and judgment the information on my credit report is inaccurate, incomplete, and misleading, which violates the FCRA requirement for furnishers to report accurate information. 

( Exact dates are provided to the best of my recollection. ) XXXX Franklin Financial repossessed my vehicle. 

XX/XX/XXXX ( approx. ) First court date regarding the loan deficiency after the repossession. 

Late XXXX / XXXX XXXX Franklin Financial obtained a judgment for wage garnishment. 

XXXX Wage garnishment was applied to my paychecks until the judgment was satisfied. 

XXXX Garnishment concluded ; court-ordered payments were fully completed. 

XXXX Franklin Financial continues to report the account as open and active on my credit report, with a remaining balance, without acknowledging the repossession, lawsuit, judgment, or completed garnishment.

Company response to consumer: Untimely response