vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. 

Jefferson Capital System XXXX XXXX XXXXXXXX Date Open XXXX, XXXX XXXX Balance {$2100.00} This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading. 

i am requesting that you : 1. Conduct a reasonable investigation into this matter, and 2. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : A signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt. If the furnisher can not proper verification within 30- day period required by law, this account must be deleted from my credit report. 

Additionally, reporting unverifiable or inaccurate information violates FCRA 623 15 U.S.C. 1681s-2 ) Please correct or remove this account immediately if compliance can not be met. 

Please send me written comfirmation of results of your investigation. Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 filing this complaint to dispute inaccurate, incomplete, and unverifiable information on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of the items listed below. 

Charged-Off Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Opened XX/XX/scrub>XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> | Balance {$0.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding a fraudulent transaction involving Cash App and the companys refusal to provide transaction documentation or meaningful assistance. 

On or about XXXX, I was the XXXX XXXX XXXX involving my personal Cash App account, resulting in a loss of {$750.00}. The funds were obtained under false pretenses. I reported the incident to Cash App promptly and requested transaction records and documentation necessary to dispute and investigate the fraud. 

Despite repeated requests, Cash App refused to provide transaction documentation or cooperate in resolving the matter. This refusal has obstructed my ability to dispute the charge effectively, work with my financial institution, and pursue lawful remedies. 

This incident did not involve negligence on my part, nor did it involve company payroll or employer systems. It is isolated to Cash Apps platform and their failure to assist following a reported fraud. 

I have taken the following actions : Filed a fraud report with the Federal Trade Commission ( FTC ) Initiated a dispute with CashApp Secured my financial accounts Documented all communications and transactions related to this incident I am requesting that the CFPB require Cash App / Block , Inc. to : 1. Provide full transaction documentation related to the {$750.00} fraudulent transaction 2. Cooperate with the investigation and dispute process 3. Address their failure to assist a consumer following a timely fraud report Cash Apps refusal to provide documentation has caused financial harm and undue burden and appears inconsistent with consumer protection obligations applicable to digital payment platforms. 

Thank you for your review of this complaint. 
I have a documentation for the fraud report, the XX/XX/XXXX Check not funded by CashApp upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC for continued unlawful credit reporting and collection activity after repeated disputes and after a prior request for debt validation. 

This is my THIRD formal attempt to have this erroneous account corrected and removed. Portfolio Recovery Associates has refused to cooperate and continues to violate my rights. 

Before Portfolio Recovery Associates ever placed this account on my credit report, I submitted a written request for debt validation. Portfolio Recovery Associates did not provide the requested validation and did not substantiate the alleged debt. Despite this, they proceeded to furnish the account to consumer reporting agencies. 

This account was previously removed from my credit reports after I disputed it because the debt could not be verified as belonging to me. The removal occurred due to failure of verification, not because of a routine sale or transfer. 

After removal, Portfolio Recovery Associates later re-reported the same unverified account without producing any new or competent documentation establishing liability or ownership. 

At no time has Portfolio Recovery Associates provided : - A signed contract or signed application - Any document bearing my signature - A complete chain of assignment - A bill of sale identifying my specific account Portfolio Recovery Associates continues to report and attempt to collect an unvalidated debt after three disputes and after a validation request, which is unlawful and damaging.

This complaint is submitted in good faith and in an effort to resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OK

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7300.00}

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 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Caine & Weiner for violations of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

Caine & Weiner is currently reporting a collection account on my credit report related to a XXXX XXXX policy. I am disputing the accuracy of the amount stated as being owed. Under the FDCPA, a debt collector must provide verification of the debt if it is disputed. Merely reciting a balance provided by the original creditor does not constitute " verification '' when the specific amount is being challenged as inaccurate.

Furthermore, under Section 623 ( b ) of the FCRA, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation. Caine & Weiner has failed to provide a detailed, itemized breakdown of how this balance was calculated, including any potential unearned premiums, cancellation fees, or credits that should have been applied by XXXX. 
I am requesting the following actions : * Cease and Desist : Stop all collection efforts until a complete validation is provided.

* Full Itemization : Provide a statement from the original creditor ( XXXX ) showing the exact billing period, payments made, and how the final balance was derived.

* Correction or Deletion : If Caine & Weiner can not produce the original contract and an itemized ledger proving the exact amount reported, the account must be deleted from all credit bureaus immediately.

Failure to address this inaccuracy constitutes the reporting of " incomplete or inaccurate information '' under the FCRA, and I am prepared to escalate this matter legally if the account is not corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am disputing inaccurate and incomplete information currently appearing on my Equifax credit report. Equifax has a legal obligation under the Fair Credit Reporting Act to ensure that all information reported is accurate and verifiable. 

Charged-Off / Collection Accounts XXXX XXXX Account XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX/ XXXX Account No. XXXXXXXX XXXX XXXX  Reported XX/XX/XXXX Balance {$4500.00} These accounts are being reported inconsistently and include a duplicate collection entry with conflicting balances. I am disputing their accuracy, completeness, and proper verification. 

Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. If Equifax can not provide documentation showing permissible purpose, these inquiries must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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.

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint regarding an invalid debt related to a XXXX XXXX account that was canceled after services could not be provided. 

In XX/XX/2025, I attempted to transfer my XXXX XXXX service to a new address. XXXX determined that XXXX XXXX  was not available at the new location, and a XXXX representative discontinued the account as a result. No services were provided after that point. 

All XXXX equipment, including the modem, was returned, and proof of return was provided to XXXX during disputes of the final bill. Despite this, XXXX issued a final bill that appears to include charges for services that were never rendered. 

XXXX later referred this disputed balance to a third-party debt collector, Transworld Systems Inc. , even though the debt is invalid and has been disputed.

This matter represents a billing error and improper escalation to collections for a non-existent service obligation.

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding Spring Oaks Capital SPV , LLC concerning an alleged debt they claim to have acquired from XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Elastic ). 

I dispute this debt in its entirety. The amount they claim is inaccurate and does not match my records. I never received proper notice or documentation showing that this account was legally sold or assigned to Spring Oaks Capital, nor have they provided proof that they have the legal right to collect this debt.

Despite my dispute, Spring Oaks Capital has attempted to collect without providing validation as required under the Fair Debt Collection Practices Act ( FDCPA ). They have not produced : Proof of legal ownership of the debt A complete and accurate accounting of the balance A copy of any agreement authorizing the transfer or assignment Evidence that the amount being claimed is accurate I am concerned that this company is attempting to collect an inflated or unverified balance and may be violating federal consumer protection laws.

I am requesting that the CFPB investigate this matter and require Spring Oaks Capital to either fully validate the debt or cease all collection activity and reporting. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Happy Holidays I was trying to put my money {$300.00} Dollars into my cash app account from my XXXX Account and some how the delivery didn't work so I need to get the money back to pay my rent it's still in refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: WI

Complaint narrative:
I am filing this complaint to dispute inaccurate and incomplete information appearing on my TransUnion credit report. Under the Fair Credit Reporting Act, TransUnion must ensure the accuracy and integrity of all reported data. 

Charged-Off Account XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} This account is inaccurately reported and has not been properly verified. I dispute the status, balance, and ownership. If TransUnion can not verify this account with original creditor documentation, it must be deleted. 

Late Payments XXXX XXXX  Account # : XXXX XXXX XXXX FIN Account # : XXXX ( Reported XX/XX/XXXX ) DEPT OF ED / XXXX Accounts # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX Ones denial of my credit application and its failure to provide a lawful, transparent, and fully compliant adverse action process as required under federal consumer protection laws. 

XXXX XXXX denied my application but failed to provide a clear, specific, and actionable explanation supporting the adverse action. The information provided was vague, generalized, and insufficient to allow me to understand or remedy the stated reasons for denial. 



Adverse Action & Disclosure Violations Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), creditors are required to provide : Specific principal reasons for denial Disclosure of whether a consumer report was used Identification of the consumer reporting agency relied upon Disclosure of whether the decision was automated or manually underwritten Capital XXXX did not provide a meaningful or detailed adverse action explanation and failed to clearly disclose the underwriting methodology used. 



XXXX XXXX & Risk-Based Pricing Concerns Under XXXX XXXX. XXXX ( Truth in Lending Act ), creditors must properly determine and disclose how finance charges, XXXX assumptions, and risk-based pricing criteria are evaluated. 

XXXX XXXX did not explain whether undisclosed finance charge assumptions, internal pricing tiers, or risk-based criteria influenced the denial. This lack of transparency prevents lawful consumer review and correction. 



Advertising & Approval Expectations Under XXXX XXXX. XXXX, creditors are prohibited from misleading representations related to down payments or approval expectations. 

I relied on Capital Ones representations regarding eligibility and approval criteria. The denial appears inconsistent with those representations, raising concerns of misleading or incomplete disclosures during the application process. 



Data Accuracy & Original Creditor Accountability Capital XXXX acted as the original creditor in this transaction and therefore bears full responsibility for ensuring that all data used was accurate, current, and verifiable, as required under the FCRA and privacy laws. 

XXXX XXXX did not adequately confirm the accuracy or source integrity of the data relied upon in making this decision. 



Failure to Provide Meaningful Reconsideration Despite requesting clarification and review, Capital One failed to offer a genuine manual reconsideration or provide lawful guidance on steps that could render the application approvable, effectively denying procedural fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. 

Jefferson Capital System AC : XXXX Date Open XX/XX/XXXX Balance {$1400.00} This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading. 

i am requesting that you : 1. Conduct a reasonable investigation into this matter, and 2. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : A signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt. If the furnisher can not proper verification within 30- day period required by law, this account must be deleted from my credit report. 

Additionally, reporting unverifiable or inaccurate information violates FCRA 623 15 U.S.C. 1681s-2 ) Please correct or remove this account immediately if compliance can not be met. 

Please send me written comfirmation of results of your investigation. Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation