vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against SPRING OAKS CAPITAL LLC ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) for multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This collection agency has engaged in practices that are not only deceptive and unfair but also in direct violation of federal regulations. I respectfully request that the Consumer Financial Protection Bureau investigate the following violations : 1. Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has reported a debt to the consumer reporting agencies without first providing me with the required validation information. I have not received any written notice that clearly identifies the debt, the name of the creditor, or my rights regarding dispute and verification. This violates the federal requirement that such information must be disclosed in the initial written communication or within five days thereafter.

2. No Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : The collection agency has failed to inform me of my right to dispute the validity of the debt within 30 days. I was not provided with notice of this right prior to or after the debt was reported. As a result, I have been denied the opportunity to contest the alleged debt, in violation of my consumer protections under the FDCPA.

3. Use of False, Misleading, or Deceptive Means ( 15 U.S.C. 1692e ) : The collection agency is using deceptive and misleading practices in an attempt to collect the alleged debt. Reporting unverified information to consumer reporting agencies without proper notice and failing to provide the required disclosures constitutes the use of false representation and deceptive means, which are expressly prohibited by federal law. 

XXXX. Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : The agency has furnished negative information to credit reporting agencies without first notifying me of their intent or providing the legally required disclosures. This act is in direct violation of federal requirements, including the duty to inform the consumer before reporting such information and to furnish only accurate, verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I'm having trouble with Google hey I guess because they're debiting all of my bank cards for one transaction so I'm paying double and triple for every transaction not only that but they're charging me for subscriptions that's not even in my Google account that I don't even have for instance they're charging me for Google amplify and they're charging me more than one time a month and I don't even know who Google amplify is I've tried to contact Google and sent the messages I asked them not to debit my account anymore because those subscriptions are not mine and I wanted my money back I'm not getting no response I'm a Google one subscriber so I'm supposed to have direct contact abilities with Google and I don't have that but I'm tired of Google debiting my account for subscriptions that I'm not subscribed to and it it's getting really frustrating because when I do use Google pay they charge not only the card that I choose to use but they charge all of my cards any of them that has the money available it takes it from there as well I got the same exact transactions and charges on my XXXX that I have on my cash app that I have on my credit union and if they won't respond to me what am I supposed to do to fix it they just debited my account again today for Google amplify and I do not have a subscription with them I don't even know who they are I have XXXX subscription and text now subscription anything else I shouldn't be getting debited for they're debited me for {$5.00} and has have been since XXXX that I'm aware of more than once a month sometimes two and three times a month and and it's for something called tiny apps I don't have any tiny app subscriptions please help me get my money back from Google because I feel like they're stealing from me they're being dishonest cuz they're making me pay for transactions more than once

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 2025-07-24 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Basically I was taken advantage of by chime because I didn't understand thay people could charge my card and make it look like stores and companies I recognized and send money to people so when I reported it chime denied most of it and I lost well over $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Non Response to Debt Validation ( Account XXXX. XXXX ) Dear XXXX XXXX XXXX XXXX XXXX, This letter is a final demand regarding the alleged debt you claim I owe ( Account No. ( XXXX ). On XX/XX/year>, I formally requested full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and related consumer protection laws. 
To date, you have failed to provide proper validation of the alleged debt. Merely sending billing statements does notsatisfy the legal requirement to validate a debt. I specifically requested : * A copy of the original signed contract or agreement bearing my signature * A full itemized breakdown of the charges and how the balance was calculated * Proof that you are legally authorized to collect this debt in my state * A copy of any assignment or transfer of the debt from the original creditor Your failure to respond with the requested documentation is a direct violation of federal law. Therefore, I am formally demanding that you immediately : 1. Cease all collection activities related to this alleged account 2. Delete and remove this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ) XXXX. Provide written confirmation that the account has been closed and will not be pursued further If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider pursuing legal action for violations of my consumer rights. 
This is your final notice. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am a victim of Identity Theft. People other than myself were found utilizing my credit by the authorities. Charges were placed and a report was made. I have found that an address associated with people who stole my identity is reported on my credit file. A Fraud Alert has been issued placed on my file since. How can I ensure that my identity is safe if reporting agencies wont correct the information when its proven to be wrong? My rights are now being violated by these bureaus who are not following federal law when it comes to the FCRA.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data.. 
The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
multiple times over the course of the last 6 months I have communicated via phone and email and even requested to speak with coroporate no one every responded or returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the unauthorized information. Enclosed are a list of the disputed items and my FTC Identity Theft Report. 

I appreciate your prompt attention and request written confirmation once the corrections are made.

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 2025-07-24 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: CA

Complaint narrative:
Non Response to Debt Validation ( Account No. XXXX ) Dear XXXX XXXX XXXX XXXX XXXX, This letter is a final demand regarding the alleged debt you claim I owe ( Account No. ( XXXX ). On XX/XX/year>, I formally requested full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and related consumer protection laws.

To date, you have failed to provide proper validation of the alleged debt. Merely sending billing statements does notsatisfy the legal requirement to validate a debt. I specifically requested : * A copy of the original signed contract or agreement bearing my signature * A full itemized breakdown of the charges and how the balance was calculated * Proof that you are legally authorized to collect this debt in my state * A copy of any assignment or transfer of the debt from the original creditor Your failure to respond with the requested documentation is a direct violation of federal law. Therefore, I am formally demanding that you immediately : 1. Cease all collection activities related to this alleged account 2. Delete and remove this account from all credit reporting agencies ( XXXX XXXX  and TransUnion ) 3. Provide written confirmation that the account has been closed and will not be pursued further If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider pursuing legal action for violations of my consumer rights.

This is your final notice. Govern yourself accordingly. 
Sincerely,

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 2025-07-24 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: CA

Complaint narrative:
Non Response to Debt Validation ( Account XXXX. XXXX ) Dear XXXX XXXX XXXX XXXX XXXX, This letter is a final demand regarding the alleged debt you claim I owe ( Account No. ( XXXX ). On XX/XX/year>, I formally requested full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and related consumer protection laws.

To date, you have failed to provide proper validation of the alleged debt. Merely sending billing statements does notsatisfy the legal requirement to validate a debt. I specifically requested : * A copy of the original signed contract or agreement bearing my signature * A full itemized breakdown of the charges and how the balance was calculated * Proof that you are legally authorized to collect this debt in my state * A copy of any assignment or transfer of the debt from the original creditor Your failure to respond with the requested documentation is a direct violation of federal law. Therefore, I am formally demanding that you immediately : XXXX. Cease all collection activities related to this alleged account XXXX. Delete and remove this account from all credit reporting agencies ( XXXX, Equifax, and XXXX  ) XXXX. Provide written confirmation that the account has been closed and will not be pursued further If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider pursuing legal action for violations of my consumer rights. 
This is your final notice. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a closed and paid XXXX XXXX XXXX account ( Account Number : XXXX ) that continues to report a 30-day late payment for XX/XX/2024 on my TransUnion credit report. This account has a {$0.00} balance, is marked closed at consumers request, and should not reflect derogatory activity.

Additionally, the same account reports differently across XXXX, where it shows two late payments ( XXXX and XXXX ), a different account number, account type, and furnisher address, which violates Metro 2 data furnishing standards and causes consumer confusion.

I previously disputed the late payment directly with the furnisher, but no correction or deletion occurred. TransUnion has failed to maintain maximum possible accuracy, as required under FCRA 1681e ( b ), and theres no evidence of proper reinvestigation under 1681i ( a ) and 1681s-2 ( b ).

This reporting is inaccurate, inconsistent, and unverifiable, and I am requesting permanent deletion from my TransUnion file.

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 2025-07-24 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: MD

Complaint narrative:
This is a formal identity theft report under the Fair Credit Reporting Act ( FCRA ). There is fraudulent information appearing on my consumer file that I did not authorize, initiate, or consent to. I did not provide written instruction, authorization, or any permissible purpose for the reporting of these accounts or inquiries. These items are the direct result of identity theft and must be blocked and permanently deleted from my report in compliance with FCRA 605B.

This is not a frivolous or duplicate dispute. I am not a business entity nor a credit repair organization. I am a natural person and a victim of identity fraud. You are now in receipt of my second formal notice, and your prior failure to comply constitutes a continued violation of my federally protected rights.

For the record, I am not a corporation ; I am a consumer reporting identity theft. Please be advised that this is my 2nd attempt at reporting that I am a victim of identity fraud. You continue to send frivolous letters saying Im a credit repair business or something.

You have violated my federally protected consumer rights. Here is a list of violations : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, balance {$2400.00} XXXX XXXX XXXX Account # XXXX XXXX XXXX, balance {$8300.00} XXXX XXXX  balance : {$2500.00}

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 2025-07-24 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal and blocking of all fraudulent and unauthorized accounts and inquiries currently listed on my credit report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft and have already submitted a report to the Federal Trade Commission ( FTC ). This letter accompanies that report and supports my claim that I did not authorize or initiate the following accounts or hard inquiries.

Company response to consumer: Closed with non-monetary relief