vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX inaccurate and unverified accounts are being reported on my credit reports by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

The XXXX XXXX XXXX account shows a balance of approximately {$8400.00} and was last reported around XX/XX/2024. The XXXX XXXX XXXX XXXX account shows a balance of {$270.00} and was reported around XX/XX/2024. 

I disputed these items directly with the credit bureaus and requested validation from both furnishers. I specifically asked for documentation proving the debts are accurate and legally verifiable, including signed contracts, payment records, and proof of ownership. Neither company provided validation or supporting evidence. 

Despite the lack of verification, the information continues to appear on my Equifax, Experian, and TransUnion reports. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report only accurate and verifiable information, and the Fair Debt Collection Practices Act ( FDCPA ), which requires proper debt validation upon request. 

I am requesting that these inaccurate and unverified tradelines be permanently deleted from all credit reports, and that each company provide written confirmation of the investigation results. 

The repeated reporting of unverified information has caused ongoing harm to my creditworthiness and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: LA

Complaint narrative:
I am writing to formally dispute the accounts referenced below on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. Upon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated. 

SPRINGOAKCAP XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax that included my FTC Identity Theft Report and supporting documentation, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In my dispute, I identified several collection accounts that do not belong to me and provided documentation establishing that these accounts were the result of identity theft. I requested that Equifax block and delete the fraudulent accounts in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the FCRA.

Equifax later mailed me a response acknowledging receipt of my dispute and confirming that the identified collection accounts would be deleted. However, as of today, Equifax has not updated my credit report to reflect these deletions. The fraudulent and inaccurate collection accounts are still being reported, which continues to negatively impact my credit profile. 

Under Section 605B of the FCRA, a consumer reporting agency must block identity theft-related information from a consumers file within XXXX business days of receiving an identity theft report and sufficient proof of identity. XXXX failure to remove this information within the legally required timeframe constitutes a violation of 15 U.S.C. 1681c-2. Additionally, by continuing to report inaccurate information, Equifax is also violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Went to a club, the receipt said {$700.00} but they charged me XXXX and Im pretty sure thats illegal to charge somebody a DIFFERENT fee then what is on the receipt idc if they refund or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Cease and Desist & Request for Investigation of XXXX XXXX XXXX Dear CFPB, I, XXXX XXXX XXXX, am submitting this formal complaint and cease and desist request regarding XXXX XXXX XXXX, a debt collection agency. My legal name is XXXX XXXX XXXX, yet XXXX XXXX XXXX has reported and/or attempted to collect debts under variations of my name, including XXXX C XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more, none of which are associated with me. 

Despite previous attempts to dispute these inaccuracies, XXXX XXXX XXXX continues to engage in debt collection activity that is : Harassing or persistent, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ).

Reporting inaccurate account information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). 

I hereby demand that XXXX XXXX XXXX immediately cease all communication or collection activity regarding any alleged debts tied to my name and correct all inaccurate reporting to credit bureaus. 

Furthermore, I humbly request that the CFPB : 1. Investigate all accounts reported or associated with XXXX XXXX XXXX under my name. 
2. Block or remove any accounts that are inaccurate, fraudulent, or otherwise not legally mine from all credit reporting agencies. 
3. Ensure that XXXX XXXX XXXX is held accountable for any violations of federal consumer protection laws. 

Attached are supporting documents, including : My government-issued ID verifying my legal name. 
Recent credit report excerpts showing accounts reported by XXXX XXXX XXXX. 
Any prior dispute correspondence. 

I genuinely appreciate your prompt attention to this serious matter. Please confirm receipt of this complaint and advise me on the next steps in the investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Cease and Desist & Request for Investigation of XXXX XXXX XXXX Dear CFPB, I, XXXX XXXX XXXX, am submitting this formal complaint and cease and desist request regarding XXXX XXXX XXXX, a debt collection agency. My legal name is XXXX XXXX XXXX, yet XXXX XXXX XXXX has reported and/or attempted to collect debts under variations of my name, including XXXX C XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more, none of which are associated with me. 

Despite previous attempts to dispute these inaccuracies, XXXX XXXX XXXX continues to engage in debt collection activity that is : Harassing or persistent, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ).

Reporting inaccurate account information, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). 

I hereby demand that XXXX XXXX XXXX immediately cease all communication or collection activity regarding any alleged debts tied to my name and correct all inaccurate reporting to credit bureaus. 

Furthermore, I humbly request that the CFPB : 1. Investigate all accounts reported or associated with XXXX XXXX XXXX under my name. 
2. Block or remove any accounts that are inaccurate, fraudulent, or otherwise not legally mine from all credit reporting agencies. 
3. Ensure that XXXX XXXX XXXX is held accountable for any violations of federal consumer protection laws. 

Attached are supporting documents, including : My government-issued ID verifying my legal name. 
Recent credit report excerpts showing accounts reported by XXXX XXXX XXXX. 
Any prior dispute correspondence. 

I genuinely appreciate your prompt attention to this serious matter. Please confirm receipt of this complaint and advise me on the next steps in the investigation. 

Sincerely, XXXX 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 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I sent Certified Debit Validation Request to LVNV for items on my credit report on XX/XX/year>, they received it on XX/XX/year>, Tracking # XXXX. As of today XX/XX/year> there has been no response, except adding to my credit files that consumer disputes debt. According to Federal Law LVNV has 30 days to validate debt in writing upon request, or these items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
have been a Chime customer for over XXXX years, and during that time, every dispute Ive ever filed has been deniedeven when Ive provided clear and verified evidence. 

My most recent case involves a {$71.00} transaction that I disputed. The company that charged me confirmed that they refunded the {$71.00} directly to Chime, and I provided : A police report confirming the fraud, An AFT C report, and Proof from the merchant showing the refund. 


Despite this, Chime denied my claim. A representative admitted that Chime received the {$71.00} refund, but claimed it was sent back because the card was closed. This explanation doesnt make sense, since the refund should have been credited to my active Chime account. 

This is part of a larger pattern every dispute Ive filed in the last XXXX years has been denied without a proper review. I believe Chime is violating the Electronic Fund Transfer Act ( EFTA ) and Regulation E by failing to conduct proper investigations and by mishandling returned funds.

I am requesting : 1. That Chime reopen and properly investigate my {$71.00} dispute, 2. That they credit the {$71.00} refund that was returned to them, and 3. That CFPB review Chimes repeated denials of legitimate claims for compliance issues.

This has caused unnecessary financial hardship and frustration, and Im requesting CFPBs assistance to ensure Chime is held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Dear CFPB XXXX, I am filing this complaint because XXXX XXXXXXXX is reporting XXXX charged-off accounts that appear inaccurate and unverifiable on all three of my credit reports ( XXXX Experian, and XXXX XXXX  XXXX 

The accounts in question are : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX Balance {$2000.00} ) XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX Balance {$3200.00} ) * * Both accounts are reported as Charged Off and Closed, but I have not received proper validation from XXXX XXXXXXXX or the credit reporting agencies as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ). 

I have previously disputed these items directly with the credit bureaus, but they verified the information without providing documentation from the original creditor. 
This constitutes an incomplete and unverified investigation, violating my rights under the FCRA. 

I am requesting that the CFPB investigate this issue and ensure XXXX XXXX and the credit reporting agencies ( XXXX, Experian, XXXX  ) either verify these accounts with proper documentation or delete them entirely from my credit reports. 

Please find attached : A copy of my XXXX credit report ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) Identification ( Drivers License ) Thank you for your assistance in resolving this matter.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As of XX/XX/year> I return a vehicle to budget and I was suppose to receive refund of XXXX dollars never received at all so now no one will answer me correctly and I just want my refund please from capital One and budget at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the debt you have attempted to validate. You have provided documents, that is not mine, and now in your recent response, you admitted that the individual associated with this debt is male and admitted in a conversation that he was not going to pay it. 

For the record : I am female I have never opened an account with XXXX XXXX I am not the individual who spoke with the creditor and acknowledged the debt. 

This is a clear case of identity theft or mistaken identity, and I am not legally responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : 1. Cease all collection activity and stop contacting me regarding this fraudulent account.

2. Remove any association of this account with my name, credit file, or personal information.

3. Delete any or records linking me to it.

4. Provide me with all documentation you used to validate this debt including any phone call recordings, applications, or identification used so I can verify that it was not me.

5. Notify all credit bureaus to whom youve reported this debt that it was placed on my credit report in error due to identity theft, and request immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
There was XXXX atm withdrawals from my cash app at a XXXX  atm for XXXX $ at XXXX XXXX XXXX XXXX XX/XX/year> and I was at home on the couch

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ga XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Account ( Account No. XXXX / CID XXXX ) Dear Transunion, I am writing to formally dispute the accuracy and validity of an account being reported on my credit file under the following details : Creditor : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX / CID XXXX Balance Reported : {$2500.00} Per the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I request a reinvestigation of this account. The attached company response from XXXX XXXX ( in CFPB Case No. XXXX ) indicates that a dunning notice was sent on XX/XX/XXXX and claims that no dispute was filed within 30 days. However, under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], if the consumer requests validation, the collector must cease collection efforts until such validation is provided. To date, I have not received adequate documentation validating this debt, such as a signed contract or itemized billing that proves the alleged {$3000.00} purchase or my legal responsibility for the debt. A general statement is not sufficient proof of debt ownership or liability, and no investigation results have been presented to me directly. Reporting a debt without sufficient validation violates my rights under FCRA 602 ( A ) and FDCPA. Additionally, it appears that this account has been marked disputed but is still being reported in a manner that is incomplete and misleading, which violates FCRA guidelines. 

As required by law, I request : A complete investigation of this account, Copies of all documentation used to verify it, Deletion of this account if it can not be fully verified, and Written confirmation of the outcome. Please complete this reinvestigation within 30 days and provide me with an updated copy of my credit report. 

Sincerely, 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 explanation
Consumer complaint received 2025-10-19 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: MO

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has brought me immense emotional XXXX and sleepless nights. I have supplied all documentation needed for its immediate deletion.

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