vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I am filing this formal complaint against Capital One regarding a credit card dispute that has been mishandled for weeks, despite me submitting all required documentation multiple times. 

Background : In XX/XX/year> I purchased an XXXX from XXXX using my Capital One credit card. After receiving the product, I discovered that it was reported stolen. I immediately contacted XXXX, who confirmed via email that : and seller reject return request from me so i contact bank and XXXX XXXX item was indeed stolen. 

The seller violated XXXX 's policies. 

XXXX was willing to issue me a refund. 

However, since I had already opened a dispute with Capital One, XXXX stated they were unable to process the refund directly. 

My Actions : I have submitted over XXXX pieces of evidence to Capital One, including : XXXX written confirmation that the item was stolen Proof of seller reject return Screenshots of the sellers messages eBays acknowledgment that it was their mistake Communication with XXXX and tracking details I also reversed the credit temporarily because I thought the issue would be resolved, but even after that, Capital One asked me repeatedly for the documents sometimes from me, sometimes from the seller. 

Ongoing Issues : XXXX Ones dispute team has been unprofessional and inconsistent. 

Over the phone, agents often do not understand that I am the buyer they confuse me with the seller. 

Ive had to explain the entire situation repeatedly, which is mentally exhausting. 

Despite doing everything by the book, Ive received no resolution. 

This is the first time in 14 years of being a responsible cardholder that Ive had such a bad experience. 

Request : I respectfully request CFPB to : Review the handling of my case by Capital One Help ensure I receive a full refund for this fraudulent charge Require Capital One to acknowledge their mishandling and lack of clarity in communication This situation has caused significant stress and wasted countless hours. I am simply a buyer who got scammed on XXXX and did everything possible to follow the correct process yet XXXX being penalized instead of protected. 

Please assist in resolving this matter. Supporting documents are available and can be submitted as needed. 

Sincerely, XXXX XXXX Capital One Account ending in : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
I am filing this complaint as a consumer who was directly affected by the Equifax data breach. My personal and financial information including sensitive identifiers was exposed due to Equifaxs gross negligence in protecting consumer data.

Since the breach, I have experienced repeated issues with inaccurate and unverifiable information remaining on my credit report. Despite submitting multiple formal disputes with supporting documentation, Equifax has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and continues to provide verified results without performing any actual manual review.

This practice is not only deceptive but also a direct violation of federal law. The FCRA mandates that consumer reporting agencies perform a reasonable reinvestigation of disputed items and provide a report of the results. Instead, Equifax continues to rely on automated, superficial verifications while ignoring the supporting evidence I provided.

The exposure of my personal data through Equifaxs breach has placed me at a higher risk of fraud and identity theft, making the accuracy of my credit report even more critical. Their failure to safeguard my information and to correct or properly verify disputed accounts has caused ongoing financial harm, stress, and reputational damage.

I am requesting that the CFPB take immediate action to : 1. Investigate Equifaxs failure to reasonably reinvestigate my disputes in compliance with the FCRA. 2. Ensure the prompt removal of any unverifiable or inaccurate items from my credit file.

3. Hold Equifax accountable for negligence in protecting consumer data and for violating federal consumer protection laws.

Consumers should not be punished twice first by Equifaxs failure to secure our data and then by their refusal to correct inaccurate information they are reporting.

Desired Resolution : - Complete removal of all disputed items that can not be independently verified.

- Confirmation that my credit file has been corrected.

- Regulatory enforcement action to ensure compliance and prevent future consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXXEquifax Information Services LLCXXXX XXXX XXXX  GA XXXXRe: Investigation Request Under FCRA  Inaccurate Information on My Credit Report\n\nTo Whom It May ConcernXXXX am writing to formally dispute inaccurate and unverifiable information listed on my Equifax credit file. Under the Fair Credit Reporting Act (15 U.S.C.  1681i), I have the right to request a reinvestigation of these accounts and the removal of any information that cannot be fully verified.XXXXAs you are aware, Equifax was subject to a significant data breach that compromised personal and financial information of millions of consumers, including myself. Because of this breach, I cannot be assured that the negative information reported is accurate, verifiable, or legitimately associated with my account history.\n\nThe following accounts are being disputedXXXXXXXX XXXX XXXX XXXX  charged off unverifiable due to breachXXXX XXXX XXXX XXXX   repossession unverifiable due to breach. \n\n\nI request that Equifax conduct a thorough reinvestigation of each of these accounts and provide written verification from the original creditor. If verification cannot be obtained, I expect these items to be deleted from my credit fileXXXXPlease send me the results of your reinvestigation within 30 days, as required by law. I also request an updated copy of my credit report showing the changes made.\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
I am submitting this complaint to report widespread violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite providing each credit bureau with my FTC Identity Theft Report ( Report # XXXX ), fraudulent accounts remain on my files at Equifax, TransUnion, and Experian. All three credit reporting agencies have failed to comply with federal law, causing ongoing and severe harm. 

Timeline of Events XX/XX/XXXX 2025 I submitted a formal dispute to Equifax, providing my FTC Identity Theft Report and supporting evidence. 

XX/XX/XXXX2025 Equifax responded that its investigation was complete, yet the fraudulent account remained. 

XX/XX/XXXX, 2025 I resubmitted my dispute to Equifax with updated documentation, including my FTC report. The account is still not removed. 

XX/XX/XXXX2025 I also disputed the fraudulent account with TransUnion and Experian, attaching my FTC Identity Theft Report. To date, both bureaus continue to report this fraudulent account. 



Violations of Federal Law The failure of Equifax, TransUnion, and Experian to remove fraudulent information after being provided with an FTC Identity Theft Report violates multiple provisions of federal law : FCRA 1681c-2 Requires CRAs to block identity theft information upon receipt of an FTC Identity Theft Report.

FCRA 1681e ( b ) Requires credit reports to be maintained with maximum possible accuracy.

FCRA 1681i Requires a reasonable reinvestigation when a consumer disputes an account.

FCRA 1681s-2 ( a ) Prohibits furnishers from knowingly reporting inaccurate information.

FCRA 1681n & 1681o Establish civil liability for willful and negligent noncompliance.

FDCPA 1692g ( a ) Requires timely validation of debts, which was not provided.

Additionally, the charge-off status of the account is misclassified. Under IRS Publication 2021, a charged-off debt is treated as canceled income, not a collectible debt. Reporting such a debt as collectible without issuing Form 1099-C constitutes deceptive financial reporting.

The ongoing inaccurate reporting by all three bureaus has caused severe and repeated damage to my credit score, resulting in the denial of credit, housing, and employment opportunities. Beyond the financial setbacks, this situation has also led to significant XXXX XXXX  and XXXX, as well as wasted time and energy due to my repeated disputes being ignored. 


Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX2025 ) Dispute letters to Equifax, TransUnion, and Experian ( with supporting documentation ) Equifax follow-up letter ( dated XX/XX/XXXX/2025 ) Legal references and supporting evidence

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 2025-08-30 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: CA

Complaint narrative:
Experian closed my original dispute and failed to correct the 30 day late information despite me providing a wealth of information that proved that the reporting was incorrect. 


I believe they are not properly investigating things. The evidence of payment was very clear in the statements I provided. There was never a late payment.

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 2025-08-30 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: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX XXXX and XXXX XXXX, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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.
State: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Please attached document showing the same account i listed 2 times with different dates and balances. Springs said they purchased from XXXX. This listed also. Never received original document and verification. XXXX XXXX XXXX  never heard of them. Need their original docucam 's with my signature ( original ) Spring Capital acknowledged they purchased account from XXXX. How can it be listed 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had received some assistance from XXXX XXXX for some semi truck tires for my semi. I fell on hard times due to COVID and fell short on my obligation. Midland Credit Management purchased my old debt and 4 months ago until now they have garnished my checks at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, I am having trouble getting my free credit report from Experian. The reason I am unable to get my free credit report is because I am having trouble creating my Experian account online and over the phone. My attempt to create an Experian account is canceled when it is unable to verify my identity. If I call the number they provided, then the XXXX XXXX says it is unable to resolve my issues and directs me to the front page of the website. I am unable to contact to a real person from Experian to resolve my issue. This leaves me with no other option than to file a complaint here. I am filing this complaint, because I would like to be able to create my Experian account to help me monitor for identity theft. It is even possible someone has created a fake Experian account in my name, so I would like to resolve this issue quickly just in case. 

Attempts were made to create an account on XX/XX/year> and XX/XX/year>. 

Thank you, 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 2025-08-30 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: Block, Inc.
State: PA

Complaint narrative:
Transactions were not authorized and in accordance to merchant account. Merchant was notified and stated a refund/claims process is underway. Cashapp has refused to open the case in my favor in with proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I filed multiple disputes with TransUnion by phone, online chat, and mail, requesting removal of this inaccurate and unauthorized information. I specifically asked for proof of the furnisher and verification of accuracy. TransUnion did not provide this information and has refused to remove the entry. 
On [ insert most recent date ], I again escalated my dispute, citing my rights under the Fair Credit Reporting Act ( FCRA ). Under 611, TransUnion is required to conduct a reasonable reinvestigation of disputed information. They failed to do so. Under 605B, I have the right to block and remove information resulting from identity theft or unauthorized furnishing, which applies here. 
Additionally, due to the recent TransUnion data breach ( XX/XX/year> ), my personal information has already been compromised, and the continued reporting of inaccurate and unauthorized information heightens the harm to my creditworthiness and financial security. 
Despite my repeated good-faith requests, TransUnion has not corrected or removed the inaccurate bankruptcy reporting. I am requesting that the Consumer Financial Protection Bureau intervene and direct TransUnion to delete this information from my credit file immediately, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-30 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: TX

Complaint narrative:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to be reported as an active collection with a past due balance of {$810.00} through XX/XX/XXXX. No supporting payment history, delinquency date, or itemized charges are provided. The tradeline only shows placed for collection and disputed by consumer ( FCRA ), yet no documentation has been produced to validate the debt. This reporting is incomplete, unverifiable, and misleading under the Fair Credit Reporting Act.

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 2025-08-30 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: TX

Complaint narrative:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to be reported as an active collection with a past due balance of {$810.00} through XX/XX/XXXX. No supporting payment history, delinquency date, or itemized charges are provided. The tradeline only shows placed for collection and disputed by consumer ( FCRA ), yet no documentation has been produced to validate the debt. This reporting is incomplete, unverifiable, and misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC

Complaint narrative:
I worked to notify that I wanted to dispute the debt owed. It gave links with the verbiage " We accept disputes electronically at XXXX, this website link take you to a page about the services they offer for bill collectors, and area to make a payment, and no ability to file an electronic dispute, so it was false information.

I mailed out the notification that I would be disputing the debt, on the website it gives one address for disputes, on the collection notice it gives a different address, leaving me to wonder if my dispute was even received, ( I do have a tracking number ) for the letter mailed to dispute.

The company XXXX XXXX XXXX began calling for collection efforts at the beginning of XXXX, the time had not passed yet for them to begin collection efforts, the dispute day has not even arrived yet. 

Furthermore I have checks that I need to give to the original creditor from my insurance company, the original creditor did not give adequate time for Insurance to finish payment. The orignal biller ( XXXX XXXX XXXX ) needs to be looked into for their billing practices along side this Bill collector.

Please consider my complaints and hold them accountable for false collecting information, making it hard to figure out how to dispute the debt, and a different addressed to mail a dispute to on the dispute letter, and different on the website. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation