vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a letter from Credit Collection Services on XX/XX/XXXX notifying me of trying to collect a debt I owe to XXXX XXXX. I told them I don't have any existing policy with XXXX XXXX. They told me it was a home owner 's insurance policy.. 

On XX/XX/XXXX, I switched homeowner 's insurance provider from XXXX XXXX to XXXX ( XXXX XXXX ) through my mortgage company, XXXX XXXX. Every due payment is automatically withdrawn from my checking account by the mortgage company since the day one I did business with them. Thus, I'm disputing this debt that XXXX XXXX collected thru Credit Collection Services. 

Furthermore, I tried contacting both XXXX XXXX and XXXX company, but to no avail. I was just put on hold and transferred to different numbers for many times but no one discussed and talked with me about this issue, thus Im reaching out for help...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I used my Capital One Venture X card ( ending in XXXX ) to purchase a wedding dress. After receiving the dress, I contacted the seller to request a size exchange, and they agreed. I returned the item using tracked international shipping at my own expense ( approx. {$90.00} ), expecting the merchant to send a replacement. 

However, the merchant stopped responding and never shipped a replacement dress. I made multiple attempts to contact them. They only replied briefly after I mentioned the possibility of filing a chargeback, but never followed through. Tracking shows the package arrived at their local post office, but they failed to collect it. It was eventually returned to me. 

I filed a dispute with Capital One, submitted supporting documentation, and initially received a temporary credit. However, the dispute was closed in the merchants favor without Capital One ever notifying me or allowing me to respond to the outcome. I only discovered it by checking the case status manually. This left me without the item or the replacement, despite returning the product and incurring shipping costs. 

Capital One has not communicated with me since closing the case and has not responded to follow-ups. I believe this situation was mishandled, and I am requesting that Capital One re-review the dispute and issue a final resolution based on the merchant 's failure to fulfill the replacement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am requesting the immediate freezing of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OK

Complaint narrative:
My Name is XXXX XXXX, and i am formerly disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681C, I did not authorize the reporting or release of my personal information to companies listed below. This is a Violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Futhermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entries. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-11 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: Experian Information Solutions Inc.
State: CA

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

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 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. 

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 explanation
Consumer complaint received 2025-06-11 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: CA

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

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 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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CT

Complaint narrative:
XXXX XXXX XXXX has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal identity theft complaint under FCRA 605B and 609 ( e ). Multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent.

I did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 ( permissible purpose ) and 605B, which requires consumer reporting agencies to block identity theft-related data within 4 business days of receiving a valid FTC Identity Theft Report and police 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 2025-06-11 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: FL

Complaint narrative:
I am submitting a formal identity theft complaint under FCRA 605B and 609 ( e ). Multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent.

I did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 ( permissible purpose ) and 605B, which requires consumer reporting agencies to block identity theft-related data within 4 business days of receiving a valid FTC Identity Theft Report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of an inaccurate account reported by Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Number : XXXX from my Equifax credit file. 

This account contains significant inaccuracies and is damaging my credit profile. After filing disputes with all three major credit bureaus, both XXXX and XXXX have thoroughly reviewed the matter and removed the account from my reports. However, Equifax has failed to take similar corrective action, despite the lack of verifiable or consistent information from the creditor. 

The continued reporting of this account on Equifax is a clear inconsistency, and I believe it violates the Fair Credit Reporting Act ( FCRA ), which requires all furnished information to be accurate and verifiable across all reporting agencies. I have not received any original documentation or legally sufficient validation to confirm the accuracy of this account. Without such validation, this trade-line should not remain on any of my credit reports. 

Given the removal by the other two credit bureaus and the ongoing harm this item is causing to my credit profile, I am requesting that the CFPB investigate this matter and ensure Equifax immediately deletes this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this issue on my credit report. I am frustrated and feel there is error that is still reported on my personal matter which require intentness to my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate, conflicting, and unverifiable information across all three major credit bureaus ( Equifax, Experian, and TransUnion ), which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically, this account is being reported as charged off and simultaneously shows a past due balance, which is both misleading and factually incorrect. A charge-off is considered a final accounting action if the balance has been written off, it can not also be reported as past due. This results in duplicate negative impacts on my credit. 
Furthermore, the account details are inconsistent across the bureaus : Different dates of last activity Inconsistent last payment dates ( even though I made no payments ) Mismatched or partial account numbers Different charge-off and balance amounts I disputed this account in writing in XX/XX/2025 with both the credit bureaus and XXXX XXXX . I clearly requested deletion, not correction, due to the inaccurate and unverifiable information. The company and the bureaus failed to correct or delete the information, violating FCRA provisions under : 15 U.S.C. 1681e ( b ) failure to maintain accurate and consistent reporting 15 U.S.C. 1681i failure to perform a reasonable reinvestigation Because the information remains inaccurate, inconsistent, and unverifiable, I am requesting that the CFPB direct XXXX XXXX and the credit bureaus to delete the account entirely from my credit reports. Updating or correcting the data is not sufficient under the law when the reporting is materially false or can not be verified with accuracy across all bureaus.

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 2025-06-11 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: LA

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting inaccurate, conflicting, and unverifiable information across all three major credit bureaus ( Equifax, Experian, and TransUnion ), which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically, this account is being reported as charged off and simultaneously shows a past due balance, which is both misleading and factually incorrect. A charge-off is considered a final accounting action if the balance has been written off, it can not also be reported as past due. This results in duplicate negative impacts on my credit. 
Furthermore, the account details are inconsistent across the bureaus : Different dates of last activity Inconsistent last payment dates ( even though I made no payments ) Mismatched or partial account numbers Different charge-off and balance amounts I disputed this account in writing in XX/XX/2025 with both the credit bureaus and XXXX XXXX . I clearly requested deletion, not correction, due to the inaccurate and unverifiable information. The company and the bureaus failed to correct or delete the information, violating FCRA provisions under : 15 U.S.C. 1681e ( b ) failure to maintain accurate and consistent reporting 15 U.S.C. 1681i failure to perform a reasonable reinvestigation Because the information remains inaccurate, inconsistent, and unverifiable, I am requesting that the CFPB direct XXXX XXXX and the credit bureaus to delete the account entirely from my credit reports. Updating or correcting the data is not sufficient under the law when the reporting is materially false or can not be verified with accuracy across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
Spring Oaks Capital LLC XXXX. XXXX XXXX XXXX, VA XXXX This company has been sending me notice about the amount of {$770.00}, this amount has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 


Spring Oaks Capital LLC XXXX. XXXX XXXX XXXX, VA XXXX This company has been sending me notice about the amount of {$760.00} this amount has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim ofidentity theft. I am requesting the removal of the negative items from my file, but itseems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation