vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting & Improper Account Transfer XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX and the subsequent transfer of my loan to XXXX XXXX. My consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated because of inaccurate reporting and improper handling of my account. 

1. Inaccurate Credit Reporting XXXX XXXX is reporting late payments that are factually incorrect. These late payments continued to be reported even after the account was transferred to XXXX XXXX. This is a violation of the FCRA, which requires furnishers to report only accurate and complete information. 

2. Improper Handling of Account Transfer XXXX XXXX transferred or sold the account to XXXX XXXX, yet continues to report negative activity and claims that I remain obligated to pay them. 
If the account has been sold, XXXX XXXX should no longer be updating or reporting new derogatory information. 

If the account was assigned but not sold, they are required to : Provide written validation Ensure reporting is accurate and up-to-date Not misrepresent who owns or services the debt Their failure to properly communicate the status and ownership of the account may constitute an FDCPA violation regarding misrepresentation of the debt and my obligations. 

3. Improper Collection Conduct Because of the contradictory information provided about who owns the debt, and because XXXX XXXX continues to report inaccurate late payments, I believe my rights under the FDCPA have been violated. These actions may constitute deceptive and unfair collection practices. 

4. Requested Relief I am requesting : A full investigation into the accuracy of the credit reporting. 

Removal of all inaccurate late payments. 

Clarification of ownership of the account and correction of reporting to reflect the correct status. 

Enforcement action if violations of the FCRA or FDCPA are confirmed. 

I am requesting that the CFPB assist in resolving these issues, as the actions of XXXX XXXX and XXXX XXXX have caused significant harm to my credit profile and have misrepresented my legal obligations. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I paid a decorator for event services that were not delivered as agreed. The contractor was required to arrive several hours before my event to complete the dcor setup. Instead, the decorator arrived extremely late and did not complete the setup until after the event had already begun, making the service unusable.

I disputed the transaction with Chase because the service was not provided in the agreed-upon timeframe and therefore was not delivered as promised. I provided Chase with detailed evidence including : Timestamps showing the decorator arrived at approximately XXXX XXXX instead of the agreed setup window Photos and video showing the XXXX was not completed until about XXXX XXXX  after the event was already disrupted Venue manager/witness statements Screenshots of communication with the vendor Documentation of the contract and setup requirements Despite all of the evidence I provided, Chase denied my dispute and stated the merchant completed the service, based solely on pictures the vendor provided. These photos were taken after the event and do not reflect the contractually required setup time. Chase failed to properly review or consider any of the evidence I submitted showing that the service was not delivered as agreed.

I also requested clarification and a proper investigation from Chase, but I was not provided with any explanation or meaningful review. Chase accepted misleading information from the merchant and closed the dispute without evaluating the full facts.

I have since closed my Chase account, but the disputed transaction occurred while the account was active. I am requesting that the CFPB require Chase to : ( 1 ) reopen and properly reinvestigate my dispute, ( 2 ) review all evidence I provided, and ( 3 ) refund the amount paid for services not delivered as agreed.

This is a case of services not provided, failure to perform, and improper dispute handling by the bank. I am asking for assistance in resolving this matter and obtaining a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I recently reviewed a copy report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 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: GA

Complaint narrative:
These questions came in unannounced and could be unauthorized. Please evaluate the attached files.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an unresolved dispute with XXXX  ( PayPal , Inc. ) that I opened on XX/XX/year>. At the time I filed the dispute, XXXX  informed me that the investigation would take up to 10 business days. It has now been significantly longer than that timeframe, yet I have not received any update, explanation, or resolution. 

Despite multiple attempts to follow up with XXXX, including through their in-app support and help channels, I have received no meaningful response. The dispute tools and status options in the XXXX  app are also not functioning or available, leaving me unable to monitor the case or understand what is causing the delay. 

This extended lack of communication and failure to meet the stated investigation timeline has caused financial inconvenience and uncertainty. I am requesting assistance from the Consumer Financial Protection Bureau to ensure that XXXX  completes its investigation and provides a clear, final determination regarding my dispute. 

Below is the relevant information : Date dispute was filed : XX/XX/year> Expected completion timeframe : 10 business days ( per XXXX  policy ) Current status : No update, no resolution, no timeline provided Impact : Financial delay, inability to access dispute status, lack of required communication from XXXX  Thank you for your time and assistance. I appreciate your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CEASE AND DESIST LETTER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist All Communication Account in Dispute To Whom It May Concern, This letter serves as formal written notice that I am requesting, under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you immediately cease and desist all communication with me regarding the above-referenced account. 

I am not admitting to any liability for this alleged debt, and I do not acknowledge the validity of this account. Any attempt to continue contacting me after receipt of this notice will be considered intentional harassment and a direct violation of federal law. 

You are hereby instructed to cease all contact, including but not limited to : Phone calls Text messages Emails Letters Contact with any third parties regarding this matter The only communication permitted after receipt of this letter is : 1. Written confirmation that your office will comply with this request, or 2. Legal notice that you are pursuing a lawful remedy.

Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) The Florida Attorney Generals Office The Federal Trade Commission ( FTC ) And possible legal action for damages Please govern yourselves accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally lodge a complaint regarding a recent transaction with XXXX XXXX and the subsequent handling of my dispute by Capital One. 

In XX/XX/year>, I attempted to rent a dumpster from XXXX XXXX, a company I located via XXXX search. Their quoted price was nearly {$100.00} less than that of XXXX XXXX, which prompted me to consider their services for an upcoming roofing project. During this process, the sales representative was notably pushy, pressuring me to sign the contract immediately. This left me feeling uneasy about the transaction. 

After finalizing the rental, I conducted further research on XXXX XXXX through platforms such as XXXX and XXXX and was alarmed to find numerous complaints, including reports of hidden fees and predatory contract terms. As a result, I canceled the dumpster rental within an hour of completing the transaction. Upon cancellation, the company XXXX insisted that I was liable for a cancellation feea demand I found unacceptable given the extremely short timeframe between the contract and cancellation. Attempts to resolve the matter with the XXXX were unsuccessful, leading me to cancel my credit card, file a dispute with Capital One, and obtain a new card on the same day. 

Despite providing thorough documentation demonstrating that XXXX XXXX does not appear to exist as a legitimate business in the state of Michigan, engages in predatory business practices, and has multiple complaints filed with government agenciesincluding the Better Business Bureau, the Michigan Attorney XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX ruled in favor of XXXX XXXX following its investigation. I formally protested this decision with supporting evidence, but my concerns were dismissed. 

I am requesting a thorough reevaluation of this dispute and demand accountability from both XXXX XXXX for their predatory practices and Capital One for their failure to protect my rights as a consumer. Attached, please find all documentation I have compiled regarding this matter. I am prepared to pursue all legal remedies available to address this issue if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Self Financial Inc.
State: OH

Complaint narrative:
I was never late with payment during XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 1

5 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
All disputed accounts must be acted upon and cleared within the legally mandated period.

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 2025-12-04 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:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation