vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
I purchased a phone on XXXX XXXX. The seller claimed the device was paid off, but when I attempted to activate service with XXXX, I was told the phone was still carrier locked due to a previous owners unpaid balance. Because of this, XXXX was unable to activate service, and I never received service, activation, or usage of any kind. 

About a week or two after receiving the initial bill, I called XXXX. The representative I spoke to confirmed that I did not owe anything since no service was ever activated. She told me she would take care of it, and that the balance should not appear on my account. 

Despite that, approximately six months later, I was contacted by Sequium Asset Solutions attempting to collect a {$72.00} debt. Before calling them, I attempted to resolve the issue through email, but my message was ignored, and I never received a response. That lack of response is what prompted me to call Sequium directly. 

When I spoke with Sequium, they told me that even if service was never rendered, I was still required to pay the bill, which is inaccurate and not supported by the facts. They refused to acknowledge that XXXX had previously told me I owed nothing. 

I then contacted XXXX again, but I was told that because the debt had been sold to Sequium, XXXX could no longer see any details about my account and could not help. I was told to visit a XXXX store for assistance, but when I went in person, the store manager informed me that they also could not access my account, and said the phone representative who sent me there was likely just passing off the call. 

I have attempted to dispute this issue multiple times over the past several months, but the invalid collection remains on my credit reports. TransUnion is currently showing four duplicate collection entries for this same {$72.00} charge, which is significantly damaging my credit for a debt I do not owe. 

I never had an active line with XXXX, never received any service, and was explicitly told by XXXX that I did not owe any money. This is a billing error that was improperly escalated to collections, and neither XXXX nor Sequium has provided any documentation, verification, or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  GA. XXXX XXXX XXXX Date : XX/XX/year> 1st Franklin Financial Corporation Attn : Credit Reporting Department XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Request for Investigation of Charge-Off To Whom It May Concern, I am writing to formally dispute the accuracy of a charge-off that your company is reporting on my credit file. The account information currently appearing on my credit report is incomplete and/or inaccurate, and I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ). 

Account Name : 1st Franklin Financial Account Number : XXXX Date Reported : XX/XX/year> After reviewing my credit report, I believe the reported charge-off contains one or more errors, including but not limited to : Incorrect or inconsistent account information Incorrect dates ( delinquency, charge-off, or last payment ) Improper balance reporting Failure to accurately verify the debt I request that you conduct a complete investigation and provide documentation proving the accuracy and validity of this account, including : 1. A full payment history 2. The date of first delinquency ( DOFD ) 3. The signed contract or agreement 4. Any records showing how the charge-off amount was calculated If you are unable to verify the accuracy of this information, I request that it be corrected or removed from my credit file immediately, as required by federal law. 

Please provide your findings to me in writing at the address listed above. Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to request a REINVESTIGATION regarding the accuracy of the account listed below on my credit report. I believe the information reported is inaccurate, misleading, and unverifiable. I am requesting that the inaccuracies be investigated and corrected, and if they can not be verified, that the entries be removed from my credit file. 

REQUEST FOR REINVESTIGATION I am formally requesting a reinvestigation of the following account reported by BMW Financial Services : BMW FINANCIAL SERVICES Account Ending : XXXX Date Opened : XX/XX/year> Balance : {$96000.00} EXPLANATION OF DISPUTE : There are errors regarding the reporting of late payments for XX/XX/year> and XX/XX/year>. According to my records and my contract with BMW Financial Services, the account was actually opened on XXXXnot XX/XX/year>, as it is reported on my credit file. Therefore, the reported late payments for XX/XX/year> and XX/XX/year> should never have occurred, as the account was not open during those months. 

Key Issue : The account opening date is incorrectly reported as XX/XX/year>, whereas the actual opening date is XX/XX/year>. 

Because of this, the late payments for XXXX and XX/XX/year> are inaccurate and should be removed immediately. 

REQUEST FOR SPECIFIC INFORMATION : As part of this reinvestigation, I am requesting the following information from BMW Financial Services : The full name of the lead investigator assigned to this case. 

The name of the department within BMW Financial Services handling this investigation. 

Contact information ( phone number, email, etc. ) for the lead investigator or department. 

All supporting documentation that BMW Financial Services has provided as evidence of the accuracy of the reported information, specifically related to the opening date of the account and the late payments for XXXX and XX/XX/year>. 

These documents are critical for verifying the accuracy of the information that has been reported to the credit bureaus. 

VIOLATIONS OF THE FCRA : FCRA Section 1681e ( b ) : The failure to maintain accurate information on the credit report violates the accuracy requirement under the FCRA. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) : BMW Financial Services has failed to provide meaningful consumer-specific validation of the inaccurate information, relying on automated systems without a proper review. 

FCRA Section 1681g : I am entitled to access accurate and complete information under the FCRA, and this error is harming my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-05 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint because Portfolio Recovery Associates , LLC ( PRA ) is reporting an alleged debt of {$5500.00} related to a former XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX, despite failing to provide legally required validation and continuing to furnish inaccurate information while the debt is under dispute. 
On XX/XX/XXXX, I mailed PRA a written debt validation request pursuant to 15 U.S.C. 1692g. USPS tracking confirms the letter was delivered on XX/XX/XXXX in XXXX, VA. My request included : ( 1 ) proof of ownership/assignment ; ( 2 ) a detailed itemized account statement ; ( 3 ) a signed contract or application; and ( 4 ) a breakdown of the {$5500.00} balance. 
PRA failed to provide ANY of the required documentation. On XX/XX/XXXX, PRA responded with a generic form letter claiming the account was validated, but did not include : No signed contract/agreement No XXXX billing statements No account-level documentation No chain of title No itemized balance explanation No 1099-C/charge-off documentation While failing to validate, PRA continued collecting and reporting the debt. This violates : FDCPA 1692g ( b ) continuing collection activity without proper validation. 
FDCPA 1692e ( 8 ) reporting inaccurate/false credit information, including reporting a disputed debt as verified. 
FCRA 1681s-2 ( b ) failure to conduct a reasonable reinvestigation after disputes. 
CITIBANKS OWN DOCUMENTS CONTRADICT PRAS CLAIMS I attached multiple XXXX letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX showing : The account was sold to PRA on XXXX XXXX XXXX XXXXXXXX no longer owns the account XXXX no longer reports it PRA is the only party responsible for furnishing & validating the debt PRA is still reporting inaccurate information : XXXX reports show Portfolio Recovery Associates Balance : {$5500.00} Opened XXXX XXXX XXXX  Consumer disputes after resolution PRA has verified information that they can not substantiate. 
USPS confirms PRA received my dispute. PRA stated they had no record of receiving it, which is false. 
I am requesting CFPB enforcement and corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: GA

Complaint narrative:
In XX/XX/year>, I contacted a company XXXX XXXX XXXX in reference to a small Business Loan. I spoke with someone at that time and they connected me with Klarna and I ended up in a payment situation such that Klarna would be collecting my payments in the amount of XXXX per month for 1 year. However, I never received any services from XXXX XXXX XXXX and could never speak with them. I could never get in touch with anyone from the company to discuss why I was receiving bills and have not received any services. I filed a dispute with Klarna providing all of the documentation that they asked for showing proof that I did try to make contact with this company on several occasions through text messages, trying to get a phone number and contact information and was unsuccessful in doing so. I have documentation and submitted documentation to Klarna about my efforts to contact someone but could not. 
I asked Klarna to give me the information to the company fanbase so that I can contact them and discuss the issue with them and they refused to give it to me. 

I do not have funds to pay for something that I have not received services for. I now realize that I was involved in an unethical scam situation and can not afford to pay for something that I dont have any services for. 
I actuality I have two complaints but do not have enough information to file against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
I got a notification from a law firm stating that they are trying to collect a debt that I own. They say that this debt is from XXXX XXXX XXXX. The amount that is own is {$1700.00}. I didn't know the existence of this account until they notified me that they were trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
The merchant listed as XXXX is part of a debt-collection scam impersonating process servers. I was threatened with being located at my job or home unless I made payments. This was fraud, not a legitimate transaction. The caller refused to identify their company, provide validation, or give a physical address. I have saved multiple threatening voicemails and filed complaints with the CFPB and the Texas Attorney General. XXXX XXXX has confirmed in writing that they did not authorize any collection and that no debt is owed. 

Capital One denied my dispute by incorrectly classifying this as cardholder participation. My participation was obtained through deception, threats, and impersonation which is fraud under both federal and Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MT

Complaint narrative:
On XX/XX/XXXX, I received a negative entry on my credit report from a company called Credence Resource Management, stating that I allegedly owed {$330.00}. I did not recognize this account, so I initially disputed it. 

Today I learned for the first time that this collection was related to XXXX. However, this information does not align with what actually occurred. 

On XX/XX/XXXX, we obtained the devices from XXXX , and on XX/XX/XXXX we returned the devices and closed the phone lines. On that same day, we paid an additional {$140.00} to completely close the account. We asked the XXXX representative if there was anything else we needed to do, and we were told that everything was paid and that our accounts were fully closed. 

For this reason, it does not make sense that a balance of {$330.00} would appear, especially since I never received any email, letter, or notification indicating that I owed this amount. At no point was I informed of any remaining balance. 

I respectfully request that this matter be investigated, that my credit report be corrected, and that the validity of this charge be reviewed, as I believe this is an error caused by XXXX or its internal processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-05 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation