vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oaks Capital , LLC Subject : Request for Full Chain of Custody and Immediate Cease of Reporting Alleged Account To Whom It May Concern, This letter is in response to your attempts to collect a debt allegedly associated with the account identified as [ Insert Account Number or Description ]. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Regulation F, 12 CFR 1006.34, I am formally requesting complete validation and documentation of this alleged debt, including the full chain of custody. 

This is not a refusal to pay, but a lawful demand for verification and proof of your legal authority to collect this debt. Until such documentation is provided, you are required by law to cease all collection activities, including reporting to credit bureaus. 

I am requesting the following : Original Creditor : Full name and contact information. 
Assignment/Sale Dates : Specific dates of each transfer of ownership. 
All Entities Involved : Names of all prior owners or collectors of this account. 
Legal Documentation : Copies of all bills of sale, assignment agreements, or other legal instruments showing the transfer of this specific account to your company. 
Proof of Purchase Price : If applicable, documentation showing the value or price paid for this account.

Detailed Account Records : Complete itemized breakdown of the alleged debt, including original balance, interest, fees, and dates incurred. 
Credit Reporting Agencies Legal Obligations Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, XXXX, XXXX, and XXXX are legally obligated to : Investigate any disputed item within XXXX days of receiving notice. 
Delete or correct any information that can not be verified. 
Notify the consumer of the results of the investigation. 
If you or any credit reporting agency continue to report unverifiable or inaccurate information, you may be held liable for willful noncompliance under 15 U.S.C. 1681n, which provides for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. 

Final Notice If you can not provide the requested documentation within XXXX  days of receipt of this letter, I demand that : You immediately cease all collection efforts. 
You remove any reference to this account from all consumer reporting agencies. 
You confirm in writing that this account has been closed and will not be pursued further. 
Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the New York XXXX Attorney General, and potential civil litigation for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank permanently XXXX my access to XXXX after claiming they attempted to contact me XXXX times regarding a flagged transaction. However, I only received XXXX contact attempts, and I answered XXXX of them, where I clearly explained the situation : I was traveling in XXXX XXXX and used XXXX to pay a friend back for a shared hotel. The transaction was personal and legitimate. 

Despite this, Truist claimed they never heard from me and permanently blocked my ability to use XXXX. When I called customer service to clarify, they acknowledged the block was final and could not be appealed even though I had responded and provided a valid explanation Why I believe this is unfair : I was not given a fair opportunity to resolve the issue. 
XXXX reasoning is factually incorrect they say I didnt respond, but I did. 
I was never provided written notice or a warning before the XXXX ban was made permanent. 
I am now unable to use a widely accepted banking feature ( XXXX ), which negatively affects my ability to send/receive money, despite having no history of fraud or abuse.

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 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, American First Finance charged me {$80.00} through autopay, even though I was offered an Early Purchase Option of {$47.00}, valid through XXXX XXXX XXXX on XX/XX/year>. 

I intended to pay off the lease using that early purchase option, which was clearly listed in my account as available until the end of the day. I believe this is a deceptive practice, as the company promoted a specific buyout amount but processed a higher automatic payment without notice. 

I attempted to resolve this with American First Finance directly, but they have refused to refund or correct the overcharge. 

I am requesting that : The company refund the difference of {$32.00} and close out my account. 

I have screenshots of the early payoff amount and proof of the unauthorized charge. I dont want them to use this as an excuse to keep charging me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within XXXX  days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

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 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient was ordered to forgive loans that were generated using predatory tactics and fraudulent statements by the school they helped to fund tuition to. My school did use predatory tactics and lies to get me to attend. The school then shut down before I was able to complete the promised certification. The school referenced was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the recent closure of all my credit card accounts with your institution, which occurred on XX/XX/year>. I was surprised and disappointed to discover that this action was taken without sufficient notice or a clear explanation. 

I do not agree with the decision to close my accounts, as I have consistently maintained my credit obligations and acted in good faith as a responsible cardholder. These accounts are important to my financial well-being and credit history, and their sudden termination has caused both inconvenience and concern. 

I respectfully request that you review this matter and reconsider the decision. I am open to any discussions or additional steps that may be required to reinstate my accounts. If there were any specific issues that prompted the closure, I would appreciate the opportunity to address and resolve them. 

Please confirm receipt of this letter and advise me on the next steps in the appeal or review process. I look forward to a prompt and fair resolution.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : 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 2025-07-07 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEMS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-07 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-07 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I logged into my PayPal account to see that my account had been blocked and I was not able to use the service. My account still had a balance of {$90.00}. After inquiring with customer support they told me that my account was closed amd I could not use PayPal anymore. When I asked for the reason they could not provide me a reason.... when I asked to withdraw MY MONEY, they told me no and they said my money will be held until XX/XX/year>. This all happened in XXXX of this year. The policy of PayPal states they can hold it up to 120 days and for some reason mine is being held longer then the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Upon reviewing my credit report I found account that was not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Submitted debt validation letter on XX/XX/year>25. Have not received a response from the data frunishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Kriya Capital, LLC
State: MD

Complaint narrative:
Submitted debt validation letter on XX/XX/year>. Have not received a response from the data frunishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially misleading information currently being reported on my Experian credit report. 

# # # 1. * * XXXX Account Charged-Off but Reporting Balance * * Your report reflects a * * balance due * * on a XXXX account that is clearly marked as * * charged-off * *. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged-off, it should not continue to report a balance as if it's still active or collectible unless sold or transferred to another creditor, which is not indicated in this case. Please conduct a full investigation and update the reporting to reflect accurate information, including a * * \ {$0.00} balance if charged off * *, or provide documentation verifying otherwise. 

# # # 2. * * Possible Finance Accounts Discrepant Reporting * * Experian is reporting * * multiple accounts from Possible Finance * *, none of which are present on my credit reports from * * TransUnion or Equifax * *. I have never opened or authorized any accounts with Possible Finance. Please validate these accounts under Section 611 of the FCRA and provide the full method of verification, including the original signed agreements and documentation proving I am responsible for these debts. 

# # # 3. * * Concerns Regarding Inadequate Investigation and Prior Verified Status * * Previous disputes were returned with a verified status, yet no documentation or meaningful verification process was conducted. I am aware that * * Experian was found liable in a class action lawsuit * * for improperly verifying accounts without a proper reinvestigation process. This pattern of behavior raises serious concerns regarding compliance with FCRA obligations under 15 U.S. Code 1681i.

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 2025-07-07 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: NY

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
identity Theft Report I am reporting that a fraudulent account was opened with The following accounts are fraudulent and must be removed from my credit report immediately. 

XXXX OPEN DATE XX/XX/XXXX XXXX XXXX OPEN DATE XX/XX/XXXX XXXX  IN OPEN DATE XX/XX/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