vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : XXXX XXXX XXXX XXXX . 
Original Creditor : XXXX XXXX  Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary I am filing this complaint because XXXX XXXX XXXX  failed to respond to a certified written dispute and continues to report or attempt to collect an incorrect and inconsistent debt amount. I am requesting removal of this account from my credit reports due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/2025, I sent XXXX XXXX XXXX XXXX a formal written dispute via certified mail ( return receipt requested ) regarding an alleged debt related to XXXX XXXX. 

The collection agency claims that I owe {$2400.00}, however the ledger they themselves provided shows a balance of only {$1100.00}. This is a material discrepancy. I disputed the amount in writing and demanded a reconciliation explaining how the balance allegedly increased. 

Despite receiving my certified dispute letter, XXXX XXXX XXXX XXXX never responded. They did not provide additional documentation, did not reconcile the balance discrepancy, and did not explain or justify the higher amount they are demanding. 

Violations and Concerns I believe XXXX XXXX XXXX XXXX violated multiple federal consumer protection laws, including : FDCPA 1692g ( b ) failure to cease collection and provide proper validation after a timely written dispute FDCPA 1692e misrepresentation of the amount of the debt FDCPA 1692f unfair or unconscionable collection practices Regulation F ( 12 C.F.R. Part 1006 ) false or misleading representations and failure to provide clear, accurate validation Demanding {$2400.00} while maintaining internal records showing {$1100.00} is misleading and unsupported. Failing to respond to a certified dispute further demonstrates a lack of reasonable investigation.

If this account is being reported to the credit bureaus, such reporting is inaccurate, unverified, and incomplete, and therefore violates the Fair Credit Reporting Act ( FCRA ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian, Equifax, TransUnion, and multiple data furnishers reporting to them. My consumer credit reports contain inaccurate and unverifiable personal identifying information, including multiple addresses that do not belong to me, in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). My reports also list charge-off accounts from XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX that are reported with inaccurate balances, missing or questionable Dates of First Delinquency, and potentially obsolete information, violating FCRA 605 ( a ), 605 ( c ), and 623 ( a ) ( 5 ). Additionally, a collection account from XXXX XXXX with XXXX XXXX XXXX listed as the original creditor is being reported without proper validation or full disclosure, in violation of FCRA 609 ( a ) ( 1 ) and FDCPA 807, 808, and 809. My reports further include a Chapter XXXX bankruptcy filed in XXXX that may be inaccurately reported beyond permissible time limits under FCRA 605 ( a ) ( 1 ), as well as an unauthorized hard inquiry from XXXX XXXX  dated XX/XX/XXXX without verified permissible purpose under FCRA 604 ( a ). Despite submitting formal disputes, these inaccuracies and unverifiable accounts remain on my credit reports, demonstrating a failure to conduct reasonable reinvestigations as required by FCRA 611 and causing ongoing financial and emotional harm.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance repossessed my vehicle while the auto loan was under active dispute and subject to an ongoing Attorney General fraud review. 

The loan has been disputed due to material issues including an invalid odometer disclosure, deceptive and contradictory sales documents, and the sale of an unsafe and unmerchantable vehicle. These concerns were previously raised through regulatory complaints, providing the lender with notice. 

Despite the unresolved dispute and regulatory involvement, Capital One proceeded with repossession, which constitutes unfair collection conduct and a failure to reasonably investigate before enforcing the debt. 

I am disputing the repossession itself and any continued collection or credit reporting related to this account while the dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Aidvantage maintained incorrect personal information on my federal student loan account, specifically an incorrect date of birth. Because of this error, I was unable to access my account or make timely payments. 

Once I was able to make payments, I submitted a large payment to bring the account current and then made an additional payment. Despite this, Aidvantage reported another missed payment and reflected a monthly payment amount that I never agreed to or was properly notified of. 

The late payments and account status reported to the credit bureaus are inaccurate and resulted from servicer error and improper payment application. I am requesting correction of my account, proper application of my payments, and removal of all inaccurate negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 a victim of identity theft. My personal information was used without my knowledge or authorization to fraudulently open an auto loan with XXXX XXXX XXXX XXXX and a personal loan with XXXX. I did not apply for, consent to, or benefit from these accounts. I have reported this matter to local law enforcement and have initiated a formal police report regarding the fraudulent activity.

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 2025-12-18 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: NC

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccuracies that misrepresent my financial history, including incorrect addresses, account balances, and reporting dates, and I am seeking a fair resolution under the Fair Credit Reporting Act ( FCRA ). My report lists several addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are either outdated, incorrect, or not associated with me. In addition, multiple accounts are reporting inaccurate balances or activity, including XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$530.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$46.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$49.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$480.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$880.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), among others, all of which may contain inaccurate balances, payment histories, or reporting dates. Furthermore, inquiries and account openings reported from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and other entities between XX/XX/XXXX and XX/XX/XXXX appear to be incorrectly reported, unverifiable, or associated with accounts I did not authorize. These errors not only distort my credit profile but also pose risks to my financial reputation and ability to obtain credit. Under FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ), 609, 602 ( a ), and 604 ( a ), I am entitled to a credit report that is accurate, complete, and verifiable, and I am formally requesting that the credit reporting agency and all furnishers conduct a full reinvestigation, provide all documentation used to support the reporting of these accounts and inquiries, correct or remove any inaccurate or unverifiable information, and provide written confirmation of all actions taken to restore the accuracy and integrity of my credit 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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: World Acceptance Corporation
State: NM

Complaint narrative:
I am tired of this being on my credit and holding me down. I went in to a office they have never me And requested a copy of the agreement and what identification was used to get this loan? As I have provided the proof in my disputes, I did not have a valid ID at the time of this loan was taken out. Yet my evidence has been ignored repeatedly. This office said they did not have that information. They referred me to a office in another town. I called them and was told they don't know where it was and they would get back to me. Two weeks I called again. I was told they had to go through the boxes and find it. They would call me back. I never received anything from them just rude attitude. They can not provide the information I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit report as two inquiries that was not performed by me. I did not apply to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint against TransUnion and Experian for violations of the Fair Credit Reporting Act related to inaccurate and misleading public record reporting on my credit files. Both credit bureaus are reporting multiple XXXX  XXXX bankruptcy public records under different reference numbers and court descriptions, including U.S. Bankruptcy Court Reference # XXXX, Reference # XXXX, XXXX XXXX CT XXXX XXXX XXXX Reference # XXXX, and Reference # XXXX. These records appear duplicated and inconsistently reported, creating the false and damaging impression that I filed for bankruptcy multiple times, which is not an accurate reflection of my financial history. The manner in which these public records are reported demonstrates a failure to follow reasonable procedures to ensure maximum possible accuracy as required by FCRA 607 ( b ). In addition, some of these bankruptcy records appear obsolete, improperly re-aged, or reported without complete filing and discharge information, raising violations of FCRA 605 ( a ) ( 1 ), which limits how long public record bankruptcies may be reported. Despite reviewing my reports and attempting to understand the basis for these entries, I have not been provided full disclosure of the sources, verification methods, or court documentation relied upon to report these records, in violation of my rights under FCRA 609 ( a ) ( 1 ). As a result of these inaccuracies, my credit profile has been materially harmed, lenders have been misled, and I have experienced credit denials, higher interest rates, and ongoing financial stress caused by inaccurate public record reporting that should have been properly verified or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I am submitting this complaint to formally report ongoing violations of the Fair Credit Reporting Act by EXPERIAN and TRANSUNION, both of which have failed to maintain accurate consumer credit files and to conduct reasonable reinvestigations after disputes were submitted. Upon reviewing my credit reports, I discovered that EXPERIAN is reporting an incorrect address, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, along with unauthorized credit inquiries that I did not initiate, authorize, or consent to, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, all of which were reported without a permissible purpose as required under FCRA 604 ( a ). These inquiries falsely suggest credit-seeking behavior and negatively impact my creditworthiness despite the absence of any consumer-initiated application. Additionally, TRANSUNION is reporting an incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, which has never been associated with me and does not belong on my consumer file. The reporting of inaccurate personal identifying information creates a substantial risk of misidentification, improper data matching, and the potential inclusion of accounts or inquiries belonging to another individual. Both credit reporting agencies are obligated under FCRA 604 ( a ) to ensure maximum possible accuracy and under FCRA 611 to conduct reasonable reinvestigations of disputed information, yet these inaccuracies continue to be reported despite my efforts to correct them. The continued presence of these errors demonstrates a failure by both bureaus to properly verify data, to ensure lawful permissible purpose before granting access to my consumer report, and to protect my rights as a consumer. These violations have caused ongoing harm by damaging my credit profile, undermining my financial reputation, and exposing me to unfair lending decisions based on false and 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 2025-12-18 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: NV

Complaint narrative:
I am submitting this complaint to formally report ongoing violations of the Fair Credit Reporting Act by EXPERIAN and TRANSUNION, both of which have failed to maintain accurate consumer credit files and to conduct reasonable reinvestigations after disputes were submitted. Upon reviewing my credit reports, I discovered that EXPERIAN is reporting an incorrect address, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, along with unauthorized credit inquiries that I did not initiate, authorize, or consent to, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, all of which were reported without a permissible purpose as required under FCRA 604 ( a ). These inquiries falsely suggest credit-seeking behavior and negatively impact my creditworthiness despite the absence of any consumer-initiated application. Additionally, TRANSUNION is reporting an incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, which has never been associated with me and does not belong on my consumer file. The reporting of inaccurate personal identifying information creates a substantial risk of misidentification, improper data matching, and the potential inclusion of accounts or inquiries belonging to another individual. Both credit reporting agencies are obligated under FCRA 604 ( a ) to ensure maximum possible accuracy and under FCRA 611 to conduct reasonable reinvestigations of disputed information, yet these inaccuracies continue to be reported despite my efforts to correct them. The continued presence of these errors demonstrates a failure by both bureaus to properly verify data, to ensure lawful permissible purpose before granting access to my consumer report, and to protect my rights as a consumer. These violations have caused ongoing harm by damaging my credit profile, undermining my financial reputation, and exposing me to unfair lending decisions based on false and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Im not using chime no more Im its still saying overdraft like someone still in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
( SPRING OAKS CAPITAL ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

You are hereby required to provide all of the following documentation within 3 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 3 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 3 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 3 days when you receive this letter ) ( Anything sent after the 3 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because ( SPRING OAKS ) is the one reporting the account to the credit reporting agencies and no one else.

You must either ( 1 ) provide all requested documents within 3 days or cease reporting and contact altogether. There is no third option.

Company response to consumer: Closed with non-monetary relief