vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I am filing this complaint because a debt collector is reporting an alleged debt on my XXXX  credit report without providing me with the legally required written validation. This collector contacted me by phone regarding this alleged debt. I informed them that I do not discuss debts over the phone and requested written validation as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, the collector continued collection activity and furnished information to the credit bureaus without XXXX  providing validation. This violates FDCPA 1692g ( b ), which prohibits any collection activity until the debt has been validated. 

Additionally, the collector furnished information to XXXX  and XXXX  without ensuring accuracy or proper verification, violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and 1681s-2 ( b ) ( failure to conduct a reasonable investigation after a dispute ).

The collector also failed to provide the initial written notice required under FDCPA 1692g ( a ) within XXXX  days of XXXX  contact.

I am requesting that the CFPB investigate these violations, require the collector to produce legally sufficient validation ( signed contract, itemized accounting, and chain of title ), and instruct the credit bureaus to remove any unverified or unlawfully furnished information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-12-09 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:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts reported on my credit file. Below are the details of the accounts I believe are inaccurately reported. I respectfully request that these accounts be investigated for accuracy and corrected if necessary. If any of the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charge Off Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$72000.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$62000.00} Dispute Reason : Inaccuracy in reporting

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC. 
Opened : XX/XX/year>XXXX  Closed : It says No Info on reports Last Reported : XX/XX/year>XXXX  Balance : {$480.00} This account/card is not mine. During this time I was dealing with Identity theft in which it is still being investigated as of today. After speaking with the company they said it's a XXXX card, and that the debt was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I've pulled my Experian, Equifax and TransUnion credit report 's both on your website 's and identity iq and have found some inaccurate information that requires removal. I have a new employment opportunity coming up a d I know they'll pull my credit report, and this false information will hurt me. 
Option A XXXX XXXXXXXX XXXXXXXX XXXX  Acct. No. : XXXX. I was not late on XXXX, 2025, XXXX, 2025 and XXXX, 2025, which is reported as 30, 60 and 90 day lates on my Experian, Equifax and TransUnion credit report 's. Remove these late payments for inaccuracy and update to paid as agreed. 
Option B XXXX XXXXXXXX XXXX XXXX  Acct. No. : XXXX this late payment on XXXX, 2025, XXXX, 2025, and XXXX, 2025 requires removal because I paid on time. Please furnish the bank statement belonging to XXXX XXXXXXXX XXXX, proving that I was ever late on this account. If you can't furnish this bank statement ( which is the only legal form of verification ), this account must be updated to paid on time never late for false reporting. 
Option C XXXX XXXX XXXX XXXX Acct. No. : XXXX. Update to paid as agreed- I was not late XXXX, 2025, XXXX, 2025, and XXXX, 2025. 

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Made legitimate charges in XX/XX/2025. Did not receive a statement in XXXX, XXXX, XXXX, XXXX and XXXX. Incurred late charges and interest. Notified by my bank that an account was delinquent. Investigated and found my credit score was damaged, located and paid the balance. Contacted credit card and was reimbursed for late fees and interest ( one individual very helpful ). Talked with four other representatives, one was rude and the others unhelpful. This appears to be a scam to incur late payments, interest and ruin credit rating. What can be done to assure this doesnt happen to others and restore my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the XXXX Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against XXXX for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I'm filing this complaint because a dealership sold me a vehicle that still had an active lien at the time of sale. Under New York law, a vehicle can not legally be transferred unless all prior liens are satisfied. This means the retail installment contract Ally financed was based on an invalid sale and a vehicle that was not legally transferable. 
As a direct result of this title defect, my vehicle was wrongfully repossessed. I initially believed it had been stolen before learning the repossession occurred due to the unresolved lien. XXXX ( the prior lienholder ) acknowledged the harm done and release the car to me after proving current owner. 

In addition to the improper title transfer, the dealership is charging excessive and non-itemized fees within the financing, which are never disclosed within contract or itemized at signing. New York law requires all fees to be lawful, properly itemized, and fully disclosed. These excessive, non-itemized fees further demonstrate deceptive and unlawful conduct during the sale. 
Laws Violated : NY VTL 417 Failure to disclose an active prior lien ( material title defect ). 
NY VTL 2118 Illegal transfer/sale of a vehicle without clear title. 
15 NYCRR 78.11 Violation of DMV dealer regulations requiring clean, transferable title and lawful itemized fees. 
NY General Business Law 349 Deceptive business practices, including nondisclosure and excessive fees. 
UCC 2-312 Breach of warranty of title ; vehicle was not free from prior claims. 
FTC Used Car Rule ( 16 CFR 455 ) Misrepresentation and failure to disclose material title defects. 
Truth in Lending Act ( 15 U.S.C. 1638 ) Finance disclosures were inaccurate because the underlying sale was not valid and the fees were not itemized or properly disclosed. 

link to the actual car. price advertised is XXXX... they charge XXXX almost XXXX in taxes fees??? this is not acceptable in accordance to NY law XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have documentation I can provide, police report from me thinking it was stolen. video footage of when I thought it was stolen etc all of which just shouldn't have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am filing this complaint as a consumer under my rights provided by the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies and inconsistencies on my credit reports from Experian, Equifax, and TransUnion. I have previously attempted to dispute these items directly with the credit bureaus and/or furnishers, but the issues remain unresolved. 

1. Previous Addresses XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX  PA XXXX These addresses are no longer valid. Please remove them as they may be linked to incorrect account information. 

2. Charged-Off Accounts ( In Dispute ) Account Name Account Number Date Opened Balance XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reason : These accounts are being reported inaccurately or can not be verified. Please investigate and provide documentation supporting these listings. 

3. Inquiries ( In Dispute ) Account Name Date XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Reason : This inquiry was not authorized by me. Please investigate and remove any unauthorized hard inquiries. 

4. Late Payments Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : These accounts show late payments that I believe are inaccurate. I request a thorough investigation and correction as necessary.

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 2025-12-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter is in response to a collection account you claim I owe. This is NOT a refusal to pay, but a notice that your claim is disputed. 

Under the FDCPA, provide the following : 1. Proof of your authorization to collect this debt 2. Complete chain of title all owners of the debt 3. Original signed contract or agreement 4. Itemized statement of charges 5. Proof the debt is within the statute of limitations 6. Proof you are licensed to collect in my state Until these items are provided, you must : Cease collection activity Cease reporting to credit bureaus XXXX the account as Disputed If you can not validate this debt, you must remove all reporting. 

Sincerely, Your Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX Portfolio Recover Assoc XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation Account No : [ XXXX ] To Whom It May Concern : I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal dispute of the alleged debt and a request for full validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Please provide all of the following documentation : Proof that I am the person who owes the debt, including the name and address of the original creditor. 

A complete payment historyshowing the amount of the original debt, all payments made, interest, fees, and how you calculated the amount you claim I owe. 

A copy of the signed contract, application, or agreement bearing my signature proving I legally agreed to this debt. 

Proof of your authorization to collect in my state, including your license number ( if applicable ). 

A copy of the assignment or purchase agreement, showing that your agency legally owns or is authorized to collect this debt. 

The date this alleged debt became delinquent, and whether it is past the statute of limitations to collect. 

Name, address, and contact information of the original creditor and any subsequent owners of the debt. 

Until you provide ALL requested validation, you must cease all collection activities, including calls, letters, reporting to credit bureaus, or legal action, as required by 15 U.S.C. 1692g ( b ).

Additionally, if you have already reported this alleged debt to any credit reporting agency, be advised that reporting unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. If the debt is not validated, you must immediately remove any related information from all credit reports.

Please send all requested documentation to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Previous Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} Late Payment : XXXX XXXX Account Number : XXXXXXXX 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