vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Last reported XXXX XXXX open balance XXXXXXXX XXXX XXXX XXXXXXXX XXXX Have reported I owe them XXXXXXXX XXXX Ive never had any knowledge of this account Ive disputed this account several times the personal information they have is false Ive never been associated with the address they say was used to open this account please can you remove this collection. Off my credit report because its hurting my score the address there saying was used is XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Ive never been associated with this address my address at the time was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX Legal Department Re : Cease and Desist Account Reporting on My Credit Report To Whom It May Concern, I am writing in regard to XXXX XXXX XXXX XXXX XXXX reporting XXXX account under my name, XXXX XXXX XXXX on my consumer credit report. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby formally demand that XXXX XXXX XXXX immediately cease and desist all communication with me, including but not limited to phone calls, emails, letters, and any other form of contact. 

Additionally, I dispute the validity and accuracy of this alleged account as it appears on my credit report. Any continued reporting of inaccurate, unverified, or disputed information may constitute violations of the Fair Credit Reporting Act ( FCRA ). 

You are instructed to : Cease all direct communication with me immediately Refrain from any further collection activity Ensure that any information reported to credit bureaus is accurate, verified, and compliant with federal law Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Delaware Attorney Generals Office, as well as consideration of legal remedies available to me under applicable law. 

This letter is not an acknowledgment of any debt, nor is it an admission of liability. 

Please provide written confirmation that you have complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Date of transaction : XX/XX/year> Amount : {$180.00} Merchant : XXXX Dining Credit that should have been applied : {$150.00} Credit card : Chase Sapphire Reserve Benefit involved : Chase Dining credit On XX/XX/year>, I booked a restaurant reservation through the Chase app using the Chase Dining flow, which redirected me to OpenTable. Based on the in-app navigation and presentation, the restaurant appeared eligible for the Chase Dining credit . I completed the reservation and dining purchase in reliance on that representation. I have screen shots of the navigation and am happy to post or send them if need be.

After the transaction posted, no Chase Dining credit was applied. I called Chase and they said they could not do anything about it. So I messaged Chase through the XXXX XXXX XXXX on XX/XX/year> to request review. Chase responded on XX/XX/year> saying they would get back within 5 business days and they have not done that. 

As of now it is XX/XX/XXXX and the XXXX dollar dining credit expires at the end of the year, so there is no time for me left to use it as I will be traveling the rest of the year for the holidays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: AR

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 Bis 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 2025-12-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is still holding my money. They continously do this. 
They've been holding my money for 3 days. This is unacceptable. 
I filed this complaint 1 year ago and they are still doing it.

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 2025-12-15 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: MS

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any 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 2025-12-15 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverified information currently being reported on my credit file. The items listed below are being reported without proper verification and do not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Items XXXX. XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Status : Charge Off I have no knowledge of this alleged account. This account is being reported as a charge-off without proper validation or evidence that it belongs to me. Reporting an account as charged off without verified proof of ownership and accuracy is a violation of FCRA 1681e ( b ). 

I am requesting that this account be fully investigated. If XXXX XXXX can not provide complete documentation proving this account is mine and reported accurately, it must be deleted or corrected immediately. 

XXXX. XXXX XXXX XXXX XXXX Inquiry Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. Any inquiry reported without my permissible purpose violates FCRA 1681b. The presence of this inquiry is inaccurate and unjustified.

I am requesting that this inquiry be investigated and removed unless XXXX XXXX XXXX XXXX can provide documented proof of my authorization. 
Request for Action I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to : Conduct a full and lawful reinvestigation of the disputed items Provide proper verification as required by the FCRA Delete or correct any information that can not be verified as accurate Ensure my credit file reflects only complete, accurate, and verifiable information Failure to do so continues to undermine the integrity of my consumer report and violates federal law. 

Thank you for your attention to this matter. I expect prompt resolution in compliance with the Fair Credit Reporting Act.

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX, I am submitting this dispute to challenge the accuracy and completeness of certain charged-off accounts appearing on my TransUnion credit report. After reviewing my report, I believe the following accounts are being reported inaccurately and/or without proper verification. 

XXXX XXXX Account Number : XXXX Date Reported/Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account Number : XXXX Date Reported/Opened : XX/XX/XXXX Balance : {$660.00}

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: SC

Complaint narrative:
I am disputing inaccurate and misleading credit reporting furnished by this company. The information being reported contains errors, inconsistencies, and/or violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including requirements for accuracy, completeness, and reasonable investigation. I have previously disputed these inaccuracies, yet they continue to be reported. I am requesting immediate deletion of the inaccurate tradeline ( s ), not correction, as the information can not be reliably verified.

Plaza Services is reporting a collection account with an amount that is inaccurate and unverifiable. Payday loan accounts are frequently misreported due to rollovers and reassignment. The balance being reported does not reflect a verifiable accounting. 

I request deletion of this tradeline as the information can not be confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from Capital One denying my request for credit. The specific denial reason provided was : " Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage '' This denial is unfair and relies on outdated internal data rather than my current creditworthiness. The " activity '' referenced refers to a single secured credit card account from over four years ago. That account is closed, and I do not owe Capital One any money.

Since that time, I have successfully rebuilt my credit profile and established a successful small business. Despite my current high credit score and clean history with other lenders, Capital One is using a " lifetime ban '' algorithm based on a resolved, 4-year-old secured account to automatically deny me services.

By refusing to look at my actual credit report and instead relying on a permanent internal " blacklist, '' the bank is failing to assess my true creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Identity theft fraudulent private XXXX  loans reported under my name. Lender refuses to remove my name and fails to provide XXXX audit logs. Credit bureaus improperly verified despite valid FTC Identity Theft Report.

I am filing an identity theft complaint regarding four private XXXX loans issued by XXXX XXXX under my name without my knowledge or authorization. 

I have never applied for, cosigned, or approved these loans. These loans were fraudulently opened by my ex-spouse using my personal information while we were separated. We legally separated on XX/XX/XXXX, and divorced on XX/XX/XXXX. Several of the fraudulent loans were opened during this separation period. 

Fraudulent loan accounts ( all XXXX XXXX private XXXX loans ) : XXXX {$4300.00} XXXX {$4000.00} XXXX {$16000.00} XXXX {$5500.00} These loans were opened online using e-signatures without my authorization. 

I submitted a complete FTC Identity Theft Report ( Report # XXXX ), included my statements explaining the fraud, and identified the suspect ( my ex-spouse ). I also sent this documentation to XXXX XXXX as instructed. 

Despite providing all required documents, XXXX XXXX refused to remove my name or provide any XXXX authentication records, including IP address, device fingerprint, email verification, and identity validation logs used during the electronic loan application. 

This is a violation of the XXXX XXXX and FCRA obligations to provide validation when an account is disputed as identity theft. 

Furthermore, I disputed the fraudulent accounts with Equifax, Experian, and TransUnion, but Equifax incorrectly verified the account as belonging to me, despite my FTC Identity Theft Report and supporting documents. 

Under FCRA 605B, credit bureaus must block identity theft accounts within 4 business days upon receipt of a valid Identity Theft Report. This did not occur. 

I am requesting CFPB assistance to require : XXXX. XXXX XXXX to provide full XXXX audit logs for all four loan applications, including : IP addresses Device/browser fingerprints Email address used Login/authentication steps Time/date stamps Copies of any electronic signatures XXXX. XXXX XXXX to remove my name from all XXXX fraudulent loan accounts. 

XXXX. Equifax, Experian, and TransUnion to delete all negative information from these fraudulent accounts under FCRA 605B. 

XXXX. Correction of my credit reports, as these fraudulent loans severely harmed my credit. 

I am a victim of identity theft and should not be held responsible for debts I never agreed to. I request CFPB intervention to force XXXX XXXX and the credit bureaus to comply with federal law. 

Thank you.

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 2025-12-15 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
XXXX Opened new checking account at SoFi on XX/XX/year> as their wire transfer and crypto purchasing services were recommend to me 2 Made ACH transfer from my credit union 3 Proceeded to use banking services as advertised 4 First did wire transfer to another SoFi account, no problem 5 Bought crypto via debit card 6 Day later buying crypto via debit card, same transaction declined and first purchase appeared to be cancelled 7 Representative told me that I could NOT use my debit card to purchase crypto = NO WHERE on the website did it tell me if I opened a new account that it can not be used to purchase crypto 8 First purchase did process, they could not cancel it 9I made CASH DEPOSITS to have enough available funds for a wire transfer 10 Then sent wire transfer to a private party at XXXX XXXX TRANSFER STOPPED 11 Told this was " suspicious activity '' and my account was restricted 12 After discussion, was informed that I was NOT in compliance with the user agreement which I had agreed to by opening an account -- which REQUIRES monthly direct deposit.- again something NOT clearly and obviously disclosed on website 13 SoFi has been holding {$7100.00} of my money since XX/XX/XXXX, XXXX with no further information available to me on WHEN they will release my funds. 
14 Told my account is still under investigation 15 Asked if I am being accused of doing something illegal -- representative can not discuss 16 Told IF I am " eligible '' for a refund a check will be mailed to the address on file DO NOT understand how SoFi can legally hold my money as they represent their company as an online bank. I opened an account to do business as a bank account. 

PLEASE HELP.

Company response to consumer: Closed with explanation