vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
Creedence resource management bought an old debt from XXXX  The account from XXXX dropped off my credit report because the statute of limitations When Creedence bought my old dad apparently they re-aged it and put put it on my credit report as being open XX/XX/year> This is an old debt that they re-aged and put on my credit report in order to damage my credit to try to force me to pay Creedence resource management is listing their self as the original creditor. This is a falsehood. I have never dealt with this company before so the information theyre putting on my credit report is false. 
I think they are doing it at a malice and to Black me into paying the amount they say I owe which I do not owe Creedence anything because they are not the original Which they say they are. 
If you would look at the enclosed photos, one credit bureau they say they are the original creditor. Another photo says XXXX  was the original.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: VA

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX  data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I ask the CRAS for validation of debt however has not been provided due to my information being exposed in have submitted a ftc complaint reporting the information i am not familiar with. Please find attached copy of my ftc, ID and proof of exposure of information on the data breach, debt validation letter. Also them removing and reinserting my account with no notification to me. On XX/XX/XXXX TransUnion stated that they deleted XXXX  from my account as response to my cfpb complaint however it was not deleted or removed.Balance Error Highest balance : {$1500.00} Reported balance : {$1600.00} Claiming a balance higher than the highest recorded is inaccurate and violates XXXX data consistency. 
Payment History Contradictions Last payment : XX/XX/XXXX Account shows XXXX % on-time payments and continuous derogatory reporting through XXXX, even though no payments are recorded after XXXX. 

The 90119 days late remark should not continue after a charge-off/write-off, because post-charge-off lates = re-aging ( illegal under FCRA 623 ( a ) ( XXXX ) ). 
Under XXXX guidelines, an account can not simultaneously be open and charged-off/write-off. 
A charge-off means the creditor has closed the account and written it off as a loss. Reporting both statuses at once = false, misleading, and non-compliant reporting ( violating FCRA 1681e ( b ) for accuracy and 1681i for reinvestigation standards ).

reporting as open or derogatory, they are in violation of 15 U.S.C. 1681c-2 ( a ) Subject : FCRA 605B Identity Theft Block Non-Compliance Request for Immediate Removal To : [ Experian / Equifax / TransUnion ] Date : XXXX XXXX Dear TransUnion, Experian, Equifax This is a formal notice that your continued reporting of the account XXXX XXXX Account # violates my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2.

I submitted a valid Identity Theft Report and requested an FCRA 605B block due to a data breach and unauthorized use of my personal information. Despite that, this account remains on my file as open, profit/loss write-off, and derogatory, which is inaccurate and harmful.You are required by law to block this tradeline within 4 business days of receiving my request and identity theft documentation.Please immediately remove or block all reporting of this account from my credit file and send written confirmation of deletion. 
Sincerely, 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 2025-10-12 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: VA

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX  data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I ask the CRAS for validation of debt however has not been provided due to my information being exposed in have submitted a ftc complaint reporting the information i am not familiar with. Please find attached copy of my ftc, ID and proof of exposure of information on the data breach, debt validation letter. Also them removing and reinserting my account with no notification to me. On XX/XX/XXXX TransUnion stated that they deleted XXXX  from my account as response to my cfpb complaint however it was not deleted or removed.Balance Error Highest balance : {$1500.00} Reported balance : {$1600.00} Claiming a balance higher than the highest recorded is inaccurate and violates XXXX data consistency. 
Payment History Contradictions Last payment : XX/XX/XXXX Account shows XXXX % on-time payments and continuous derogatory reporting through XXXX, even though no payments are recorded after XXXX. 

The 90119 days late remark should not continue after a charge-off/write-off, because post-charge-off lates = re-aging ( illegal under FCRA 623 ( a ) ( XXXX ) ). 
Under XXXX guidelines, an account can not simultaneously be open and charged-off/write-off. 
A charge-off means the creditor has closed the account and written it off as a loss. Reporting both statuses at once = false, misleading, and non-compliant reporting ( violating FCRA 1681e ( b ) for accuracy and 1681i for reinvestigation standards ).

reporting as open or derogatory, they are in violation of 15 U.S.C. 1681c-2 ( a ) Subject : FCRA 605B Identity Theft Block Non-Compliance Request for Immediate Removal To : [ Experian / Equifax / TransUnion ] Date : XXXX XXXX Dear TransUnion, Experian, Equifax This is a formal notice that your continued reporting of the account XXXX XXXX Account # violates my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2.

I submitted a valid Identity Theft Report and requested an FCRA 605B block due to a data breach and unauthorized use of my personal information. Despite that, this account remains on my file as open, profit/loss write-off, and derogatory, which is inaccurate and harmful.You are required by law to block this tradeline within 4 business days of receiving my request and identity theft documentation.Please immediately remove or block all reporting of this account from my credit file and send written confirmation of deletion. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Nothing has happened I have been trying for XXXX yrs to get this off my credit and they will not take it off just keeping.udating it Now there's not just XXXX account there are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
I am filing this complaint because Equifax has provided contradictory dispute investigation results regarding my XXXX XXXX XXXX ( JXXXX ) and XXXX XXXX accounts. Despite multiple dispute results stating the items were not currently reporting, these accounts remain present on my Equifax credit file. 

This constitutes inaccurate reporting under FCRA 607 ( b ), failure to conduct a reasonable reinvestigation under 611 ( a ), and possible unauthorized reinsertion without proper notice under 611 ( a ) ( 5 ) ( B ). 
Timeline of Events XXXX. XX/XX/year> Confirmation # XXXX Equifax reported that XXXX XXXX XXXX account was verified as belonging to you. 
XXXX. XX/XX/year> Confirmation # XXXX Equifax reported both XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. 
XXXX. XX/XX/year> Confirmation # XXXX Equifax again reported XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. 
File/Report # : XXXX XXXX. XX/XX/year> XXXX Despite the above dispute results, both XXXX and XXXX accounts remain on my live Equifax credit report. Equifaxs reporting is contradictory and inaccurate, violating FCRA 607 ( b ).

Equifax has failed to conduct a reasonable reinvestigation under 611 ( a ) by issuing conflicting outcomes.

If the items were deleted and reinserted, Equifax failed to provide the required reinsertion notice under 611 ( a ) ( 5 ) ( B ). 
XXXX and XXXX XXXX may be furnishing incomplete or inaccurate information in violation of FCRA 623 ( a ).

Harm These contradictory and inaccurate entries continue to harm my creditworthiness. 
I am unable to rely on the accuracy of my Equifax report, causing stress and potential financial harm.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  Dispute of Incorrect Personal Information on Credit ReportXXXXDear Transunion,XXXXI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe toXXXXbe inaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items\nthat were not authorized by me. I kindly request your assistance in investigating and rectifying theseXXXXdiscrepancies.XXXXBelow are the items which I am disputingXXXX1. Please update and remove this incorrect name from my credit report immediately. My correct name isXXXX XXXX XXXX XXXX. Please remove these incorrect address(es) from my credit report immediately. My correct currentXXXXaddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I kindlyXXXXrequest the removal of these items from my credit report.XXXXI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the FairXXXXCredit Reporting Act (FCRA). Your prompt attention to this matter is appreciatedXXXXPlease send me written confirmation once the investigation is complete and the inaccurate informationXXXXhas been removed from my credit report.XXXXThank you for your prompt attention to this matter. I look forward to a swift 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that Equifax conduct a complete reinvestigation of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and correct the following inaccuracies : Delete all incorrect names : XXXX XXXX ( misspelled version ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Remove the following incorrect and outdated addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( reported since XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( reported since XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( reported since XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( reported since XX/XX/XXXX ) Delete the following incorrect employers : XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. 

My correct and verified personal information is : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Current Employer : XXXX XXXX XXXX I am requesting that Equifax immediately delete all inaccurate names, outdated addresses, and incorrect employer information, and update my file to reflect only the verified and correct information listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing this complaint because the credit reporting agencies TransUnion, Experian, and Equifax continue to report outdated and unverified personal identifiers on my credit files even after I mailed full proof of my current legal identity and residence. 

My mailed dispute included a copy of my U.S. Passport Card, Marriage License, and a recent utility bill, which clearly establish my current legal name ( XXXX XXXX XXXX ) and my present address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ). Despite receiving these documents, the bureaus have failed to delete multiple former names, obsolete addresses, and outdated phone numbers that no longer apply to me.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Outdated or unverifiable identifiers are not accurate and create risk of mixed files and identity confusion.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the bureaus are required to reinvestigate disputed items within 30 days and delete any information that can not be verified as accurate. Washington State law, RCW 19.182.070 ( 2 ), further requires prompt deletion or modification of any information found to be inaccurate or unverifiable.

Because the bureaus have already received verified documentation proving my identity and address, continuing to report outdated identifiers constitutes a violation of both federal and state law. I am requesting that the CFPB review this matter and ensure that the credit bureaus : 1. Permanently delete all outdated or unverifiable identifiers ; 2. Provide me with written confirmation of the deletions ; and 3. Update my credit files to reflect only my correct, current identifying information.

This request is made in good faith and does not admit liability for any alleged debt or account. I am simply seeking lawful accuracy and compliance as required by the Fair Credit Reporting Act and Washington State law.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC, regarding an account they are reporting that allegedly originated with XXXX XXXX XXXX XXXX account # XXXX. 

The company is attempting to collect and report a balance of {$1400.00} while showing 0 % paid off and an open date of XX/XX/year>. This appears to be re-aged information and is inconsistent and misleading. 

I previously disputed this account through the credit bureaus, and the tradeline now reads Completed investigation of FCRA dispute consumer disagrees. However, the company never provided proper validation of the debt as required by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act.

I also issued a written request under 15 U.S.C. 1692c ( c ) instructing the company to cease communication until they produced full validation. Despite that, they continued reporting the debt and did not send any supporting documentation, violating 1692c ( c ) and 1692e ( false or misleading representation ).

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), Portfolio Recovery Associates is required to conduct a reasonable reinvestigation after a dispute and to correct or delete inaccurate or unverifiable information. Their continued reporting without validation constitutes a failure to meet that duty. 

I am requesting that the CFPB investigate these violations and that Portfolio Recovery Associates either ( 1 ) provide full documentation proving the validity and ownership of this alleged debt including the original signed agreement and transfer documentation from XXXX XXXX XXXX XXXX or ( 2 ) delete this account entirely from all credit bureaus. 

Please also review whether the companys reporting practices constitute improper re-aging and ongoing communication in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Company : Barclays Bank Delaware Account Type : Credit Card Transaction Date : XX/XX/year> Amount : {$1500.00} Merchant : XXXX XXXX XXXX / XXXX XXXX Summary of Issue : I am disputing an unauthorized {$1500.00} charge posted on XX/XX/XXXX to my Barclays credit-card account by XXXX  XXXX  XXXX ( also operating as XXXX  XXXX ). The merchant never obtained my authorization for this transaction, and Barclays improperly denied my dispute even though the merchant produced no valid proof of consent or contract supporting the charge. 
Facts : XXXX XXXX XXXX had access to two of my credit-card numbers from prior transactions. They randomly charged one card on XX/XX/XXXX without my permission. 
The merchant submitted XXXX XXXX  screenshots to Barclays, but those communications do not contain any statement authorizing a {$1500.00} payment. They only show general correspondence about our accountnot authorization. 
For XXXX and XXXX, the merchant provided invoices and I paid voluntarily ( XXXX was billed correctly to a different card ). There was no invoice or written agreement for any XXXX charge. 
The XX/XX/XXXX transaction was therefore arbitrary and unauthorized. The merchant has never produced a signed contract, invoice, or written consent for it. 
Barclays denied my dispute even though Regulation Z ( 12 CFR 1026.12 ( b ) ) requires the issuer to demonstrate that the transaction was authorized. That burden of proof was never met.

Additionally, the company failed to deliver the agreed service of providing ten qualified leads within ninety ( 90 ) days. Only one lead was ever provided. After that failure, they claimed they would work for free, which is not measurable, enforceable, or an acceptable substitute for contractual performance.

Requested Resolution : I request that the CFPB review Barclays Bank Delawares handling of this billing dispute and require Barclays to : Reverse the {$1500.00} charge and all related interest or fees ; Acknowledge the transaction as unauthorized under Regulation Z ; and Ensure future compliance with dispute-resolution standards by requiring documentary proof of cardholder authorization before denying similar disputes.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am filing this complaint against Fizz, a financial app platform, because their system is currently showing that I still have an outstanding balance even though I have already paid in full. This is misleading and inaccurate. I would expect that once payment has been made, the app would automatically update to reflect a XXXX balance. 

Additionally, it appears there may be a glitch in the Fizz app that is preventing my account information from updating correctly. This issue seems to be technical in nature, and it is concerning that such an error is allowed to persist without automatic correction or prompt customer notification. 

I have not contacted Fizz directly about this matter because I believe this is something the company should have already addressed internally. A consumer should not be responsible for troubleshooting a system malfunction that results from the companys own app glitch or technical failure. 
I am requesting that the CFPB ensure that Fizz : 1. Investigates and resolves this app glitch immediately.

2. Verifies that my payment has been received and applied correctly.

3. Updates my account to accurately reflect a XXXX balance. 
4. Provides assurance that this issue has not and will not negatively impact my credit or financial reputation in any way.

This situation should be addressed as soon as possible, as system inaccuracies can lead to confusion, unnecessary concern, and potential damage to a consumers credit profile if not properly corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am being repeatedly contacted by TrueAccord for a XXXX XXXX debt of {$1400.00} that I do not owe. 

I have already spoken with XXXX XXXX multiple times, and their representatives admitted that this was a billing error. They confirmed that I would no longer see this balance on my account. Despite that, TrueAccord continues to send me collection emails and notices regarding this false debt. 

Attached to this complaint is a refund receipt from XXXX XXXX ( XXXX Authorized Dealer ) dated XX/XX/year>, clearly showing that the transaction was refunded and closed. This proves that the balance was already resolved and no money is owed. 

The continued communication from TrueAccord has caused me XXXX  and frustration. This situation is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) because they are attempting to collect a debt that does not exist. 

I request that CFPB investigate this matter and require both XXXX and TrueAccord to stop all collection activities immediately, confirm in writing that the account is closed, and ensure no negative information is reported to any credit bureaus.

Company response to consumer: Closed with explanation