vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
XXXX XXXX used deception, high pressure tactics, manipulation, false promises and misleading informationXXXX XXXX XXXX coached me step by step on how to open this credit card requesting numbers and last four of my social. I was deceived when they took the payment and after payment I found out that this was a pyramid scheme where I would be trained to do the same thing they did to me to other potential customers. This was not real marketing or advertising. I requested a refund immediately and they said no and a representative called me the next day supposedly saying he would do everything he could to help me but instead the pressure tactics continued and persuasion continued. They did not refund me and said they would not comply even tho I repeatedly informed them that I did not want to take part in this type of illegal deceitful fraudulent activities. The charges on my account are unauthorized and obtained thru deception and false pretenses.They also informed me that if I could not pay the credit card that they could have it erased from my credit to which i just fount out that was false and misleading the offered false promises about credit repair ( CROA ) which is fraudulent inducement. Also a demand letter was sent to XXXX XXXX  by email to XXXX and by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX. Certified mailing # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited a cashiers check for {$7000.00} at the Bank of America. The cashiers check was drawn on XXXX XXXX XXXX The money is no longer in my XXXX XXXX account and Bank of American has placed a one week old on the deposit and will not tell me why or release the funds sooner.

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 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : COLUMBIA DEBT RCVY GENESIS Improper Collection Reporting I am formally disputing the COLUMBIA DEBT RCVY GENESIS Funding collection, reference # XXXX. 

COLUMBIA DEBT RCVY GENESIS is reporting balances and dates inconsistently across the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) Maximum Possible Accuracy ). 

Additionally, no documentation has been provided demonstrating legal assignment, ownership, or authorization to collect on this alleged debt. Under FCRA 611 ( a ) ( Dispute Procedure ) and 623 ( a ) ( 3 ) ( Duty to Report Accurate Information ), any account that can not be verified must be removed from my credit file.

I am requesting the immediate deletion of this unverifiable and improperly reported account from all credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint to formally dispute the reporting of Spring Oaks Capital LLC, Account # XXXX, which appears on my XXXX XXXX XXXX XXXX credit reports. This account is being reported with inconsistent balances and delinquency dates across the three bureaus, constituting clear violations of the Fair Credit Reporting Act ( FCRA ).

Basis for Dispute and Violations FCRA 607 ( b ) Requires consumer reporting agencies to assure maximum possible accuracy of information. The inconsistent reporting of balances and delinquency dates shows a failure to meet this standard.

FCRA 611 ( a ) Grants me the right to a reinvestigation. The bureaus and Spring Oaks Capital LLC must provide complete verification of this accounts accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting information they know or should know is inaccurate. By providing inconsistent data to the credit bureaus, Spring Oaks Capital is in violation.

15 USC 1681i ( a ) ( 5 ) ( A ) Requires that unverifiable or inaccurate information be promptly deleted from the consumers credit file.

Required Action I demand either : 1. Complete verification with original source documentation, including : The original signed service agreement or application A full billing and payment history Legal proof of ownership or assignment of the debt OR 2. Permanent deletion of the Spring Oaks Capital LLC account from my credit reports with XXXX XXXX XXXX XXXX if such verification can not be provided. 

This is a formal request for reinvestigation and correction under FCRA. If Spring Oaks Capital LLC and the credit reporting agencies can not fully verify the accuracy of this account with original documentation, it must be deleted from my credit file in compliance with federal law. 

Please confirm receipt of this complaint and provide me with written results of your investigation within the statutory 30-day period.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-16 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and harmful reporting by certain student loan servicers/companies that have significantly damaged my credit profile. 

Specifically, these companies have falsely reported that my loans defaulted, despite the fact that : 1. Payments were made within the six months prior to the alleged default status. These payments should have prevented the loans from being considered in default under federal student loan guidelines.

2. All of my loans were previously enrolled in an Income-Driven Repayment ( IDR ) plan before these companies purchased or assumed servicing of my loans. This arrangement was consistent across my other 12 loans, none of which were reported as being in default.

This false reporting is both inaccurate and misleading. It has resulted in severe harm to my credit score and financial reputation. I believe the servicers acted in violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information provide accurate and complete information to credit reporting agencies.

I respectfully request that the CFPB : Investigate this matter thorough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

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 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 2025-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a custodial account with my XXXX XXXX XXXX. 

Capital one froze my account due to documentation, but failed to provide any means to submit the paperwork. 

When calling the customer service line, the agent gave me false instructions to submit conservator paperwork so I could access the account. XX/XX/year> I followed the instructions, but Capital One continued to freeze my account. Upon further calls, they said the accepted paperwork didn't work ( even though I had an approved letter ) and my son would have to get on the phone. XX/XX/year>. They said I would have to open other accounts in lieu not giving me much reason. I felt helpless and did not trust the advice given to me by agent. I was disconnected from the call. 

I called again. This agent subjected my son to XXXX  XXXX  and distress during the call with ( XXXX XXXX XXXX ) even though I told him to use basic instructions, he asked complex questions as if reading from a instruction book. My son got agitated and scared. 

I then asked we escalate this to a manager, we got the run around and ended up with manager XXXX ( employee XXXX ). XXXX said there was no Compliance / Legal officer at Capital one at their office which was hard to believe. They offered no solace in rectifying the situation, but did get me a method to submit my paperwork, but refused to lift the restriction or offer any alternatives. A lot of excuses " this can only be handled by the backoffice '' and very empty and NON convincing words to make up for the abuse caused to me and my son on this hour long call. 

My complaint is for the unnecessary freeze of assets, horrible customer service to a XXXX XXXX individual and basic lack of empathy for a parent plight of trying to access funds for his son.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
To : Steel River Systems LLC Re : Account Number XXXX {$130.00} Subject : Debt Validation Request and Cease and Desist under FDCPA ( XXXX5 U.S.C. 1692g ) Dear Sir/Madam, Pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am formally requesting full validation of the alleged debt your company is attempting to collect regarding an account with Steel River Systems LLC, account number XXXX, in the amount of {$130.00}. To date, you have failed to provide proper validation. 

A billing statement alone does not satisfy federal requirements. You are legally required to provide the following : 1.A copy of the original contract or agreement bearing my signature.

2.A complete itemized breakdown of the debt showing how the amount of {$130.00} was calculated. 
3.Proof that your agency has been legally assigned or currently owns the debt ( assignment or purchase agreement ).

4.Proof of your license and authority to collect debts in the State of Florida.

Cease and Desist Notification : Until such time as you provide proper legal validation of this debt, you are hereby directed to cease all contact with me, including but not limited to phone calls, letters, emails, or any form of communication. Any further attempts to contact me before proper validation may constitute a violation of the FDCPA.

This letter serves as a final notice. You have five ( 5 ) business days to fully validate this debt. Failure to do so will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and may result in legal action for violations of the FDCPA and FCRA. 

If this account is being reported to any credit bureau, it must be immediately removed until and unless proper validation is provided. 

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 2025-09-16 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MI

Complaint narrative:
Paycheck not sent to my account. XXXX  has verification of them sending it to chime but chime doesn't have it they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ 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 2025-09-16 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: TX

Complaint narrative:
I am formally disputing the late payment and delinquency notations recently added to my credit report. These entries are inaccurate based on my payment history and prior agreements. Please correct the status to Paid as Agreed and remove all delinquency remarks.

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 2025-09-16 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: AL

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 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 2025-09-16 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: Experian Information Solutions Inc.
State: TN

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