vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I am receiving debt collection communications from Sequium Asset Solutions regarding a debt allegedly owed to XXXX on XXXX. However, this matter was legally dismissed with prejudice in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ). The judgment was vacated and the case was dismissed on XX/XX/year>. 



Despite this dismissal, Sequium is now contacting me and attempting to collect on the same account. I have documentation from the court clearly showing the case was closed and can not be re-filed. Their continued collection efforts are misleading, harassing, and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ). 



I am requesting that the CFPB investigate Sequium Asset Solutions and ensure that they cease all collection efforts, correct any inaccurate credit reporting, and acknowledge the legal dismissal of this case.

I have attached the courts dismissal order for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: MS

Complaint narrative:
I have no knowledge of XXXX XXXX account. The collection was placed on my consumer report other than the original creditor.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
My account was suspended XX/XX/XXXX after I funded my account! I reached out to customer support they provided no clear explanation as to what terms in the XXXX I violated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ok Im in Navy federal and I paid off a car loan that had me and. My mother who was a co-signer and using the photos there is an alert stating activity. 
And my veteran status. But today I ask for a loan for {$8.00}, XXXX with navy federal still on possession of the title and using my tax free XXXX from monthly and with $ XXXX debt {$15000.00} paying off that loan was denied under hardship conditions for {$8000.00} as a XXXX XXXX and Im going through hardship and I had no one to help accords And I have XXXX inquires from navy federal due to a computer error for a secured credit card and why would there be XXXX inquires a technicial errors thats cause false

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligen
t noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX Re : Dispute of Account Reference No. XXXX / Original Account Ending in XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the validity and continued reporting of the above-referenced account that appears on my credit report. I am requesting that this debt be deleted immediately from my credit file with all credit reporting agencies. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights as a consumer to : 1. Dispute the accuracy and completeness of this account, which I do not acknowledge, recognize, or have agreed to be liable for. 
2. Request full validation of the debt, including : o A signed contract or agreement bearing my signature with XXXXXXXX XXXX XXXX XXXXXXXX ; o Full chain of custody documentation showing how Spring Oaks Capital came into legal ownership of this debt ; o Proof that Spring Oaks Capital is licensed and authorized to collect debts in the state of Florida ; o A full payment history, including the breakdown of the current balance of {$5300.00}. 
Simply sending general billing statements or generic documents is not sufficient proof of ownership or liability under the FDCPA. Until such documentation is provided, this debt remains unvalidated and should not be reported on my credit file. 
If you can not fully validate the debt, you are required to cease collection activities and remove this account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 
Please also be advised that continued reporting of inaccurate or unverified information to the credit bureaus constitutes a violation of the FCRA and may result in legal action. This letter serves as my formal notice of dispute. 
I request written confirmation of the outcome of your reinvestigation and removal of this account from all consumer reporting agencies. This dispute should also be forwarded to the credit bureaus per 15 U.S. Code 1681s-2 ( a ) ( 8 ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
So I paid a dept for a company now that company sold that account after I paid it and this other company is trying to collect the same amount but added another company I have never had or heard of, and now they have filled a judgement to. Garnish my checks This is wrong And XXXX XXXX XXXX XXXX XXXX  have allowed this in my credit 15 Usc1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-25 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: VA

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I have the right to receive a complete explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted regarding the disputed item.

Please ensure this information is provided within 15 days of receiving this request, in accordance with your obligations under federal 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 2025-06-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report.

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my 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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Dispute of Account Reference No. XXXX / Original Account Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the validity and continued reporting of the above-referenced account that appears on my credit report. I am requesting that this debt be deleted immediately from my credit file with all credit reporting agencies. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights as a consumer to : XXXX. Dispute the accuracy and completeness of this account, which I do not acknowledge, recognize, or have agreed to be liable for. 
XXXX. Request full validation of the debt, including : o A signed contract or agreement bearing my signature with XXXXXXXX XXXX XXXX XXXXXXXX ; o Full chain of custody documentation showing how XXXX XXXX XXXX came into legal ownership of this debt ; o Proof that XXXX XXXX XXXX is licensed and authorized to collect debts in the state of Florida ; o A full payment history, including the breakdown of the current balance of {$5300.00}. 
Simply sending general billing statements or generic documents is not sufficient proof of ownership or liability under the FDCPA. Until such documentation is provided, this debt remains unvalidated and should not be reported on my credit file. 
If you can not fully validate the debt, you are required to cease collection activities and remove this account from all consumer credit reporting agencies XXXX XXXX XXXX, and TransUnion ). 
Please also be advised that continued reporting of inaccurate or unverified information to the credit bureaus constitutes a violation of the FCRA and may result in legal action. This letter serves as my formal notice of dispute.

I request written confirmation of the outcome of your reinvestigation and removal of this account from all consumer reporting agencies. This dispute should also be forwarded to the credit bureaus per 15 U.S. Code 1681s-2 ( a ) ( 8 ).

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

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 2025-06-25 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: TX

Complaint narrative:
I applied for a secured credit card that requires a {$200.00} dollar deposit. The deposit was taken out of my account on XX/XX/year> at XXXX. I confirmed with my bank that this payment was not returned. When I called capital one they transferred me to XXXX different people. No one had an answer. every interaction was awkward like umm on one moment. This is so horrible, Im a single mom and I work for every penny I have. I want this money either on this credit card or back in my account. You losing it is absolutely bologna

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

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

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi, I had very disrespectful approach from the branch manager of the U.S. Bank located at XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX United States Today on XX/XX/year> I entered the above mentioned bank at around XXXX to cash my check. The branch manager told me that he will assist me with that matter and he will cash my check. Before moving forward I have a checking account in U.S. Bank and I cashed my checks in that branch several times. So I gave him my ID and my check. He took my check and ID and started checking some things on his computer. After he finished checking things on his computer he turned back to me and told me that he doesnt know me personally and he cant cash my check because I have {$1500.00} cashing limit daily. Is this a new thing in the banks? Around other people the branch manager of the bank tells you that he doesnt know you personally and thats why he cant cash your check. I never felt so disrespected in the bank. I cashed my over {$1500.00} checks in every single U.S. Bank in my area including the XXXX  XXXX branch. You shouldnt tell your long time clients that you dont know them personally and refuse cashing their checks. Its very disrespectful!

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