vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing withinXX/XX/XXXX days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XX/XX/XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$640.00} Bankruptcy Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXXXX/XX/XXXX, Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXX XX/XX/XXXX, Account Number : 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 2025-11-21 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXX/XX/XXXX] Account Number : [ XXXX ] Creditor Name : [ XX/XX/XXXX] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC XXXX, please remove them within XX/XX/XXXXdays. Attached are the required supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after 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 non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is outrageous! Equifax continues to allow a completely false late payment on myXX/XX/XXXXBANKXX/XX/XXXX account ( XXXX ), listing " XX/XX/year>, '' which was NEVER reported before. I have NEVER been late, and this error is destroying my credit. This is my XX/XX/XXXX complaint to the CFPB, after I filed with the FTC and the Office of the Attorney General last month. Equifax is blatantly ignoring its legal responsibilities under 15 U.S.C. XXXX ( a ) ( duty to investigate ), 15 U.S.C. XXXX ( b ) ( duty to ensure accuracy ), and 15 U.S.C. XXXX ( XXXX ) ( permissible purpose ). I demand the immediate removal of this false entry and an update to " Paid as Agreed '' or " OK. '' This continued failure to correct this issue is unacceptable and demonstrates a complete disregard for my rights as a consumer. Equifax 's negligence is not just affecting my credit score ; its harming my financial future. Ive been patient long enough, but this issue has gone on for far too long. If this is not fixed NOW, I will take immediate legal action under 15 U.S.C. XXXX ( willful noncompliance ) and 15 U.S.C. XXXX ( negligent noncompliance ). This needs to be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Midland Credit Management XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Account XX/XX/XXXXXXXX To Whom It May Concern, The Fair Debt Collection Practices Act ( 15 USC XXXX et seq. ) : CEASE AND DESIST ALL COMMUNICATION Effective immediately, you are hereby notified to cease all telephone calls and all other communication with me, my family, my employer, and any third party regarding the alleged debt referenced above. 
The only legally permitted contact from this point forward is by XXXX mail. 
I REFUSE TO PAY THIS ALLEGED DEBT I formally refuse to pay this alleged debt at this time. 
DEBT VALIDATION DEMAND Because I dispute the validity and accuracy of this alleged debt, you are required to obtain verification and mail me the following withinXX/XX/XXXX days : Name and address of the original creditor Proof that you are legally licensed to collect in [ Your State ] ( license number required ) The complete payment history from the original creditor showing how the balance was calculated A copy of the signed agreement/contract bearing my signature Complete chain-of-title/assignment documents proving you own or have been assigned the right to collect this specific account If you can not provide all of the above, you must immediately cease collection, cease all reporting to any credit bureau, and delete any tradeline you have already placed. Any further calls, letters ( other than the one-time validation response ), or credit reporting after receipt of this letter may violate FDCPA XXXX ( c ), XXXX, XXXX ( b ) and the corresponding state laws, exposing your company to statutory damages of up to {$1000.00} per violation plus attorney fees. This is not a refusal to pay a debt I legitimately owe it is a demand that you prove this one is mine and that you have the legal right to collect it. Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: I.C. System, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XX/XX/XXXX days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, Cash App suddenly closed my account without warning and without giving any specific reason. I only received a generic message stating that my account was in violation of the Acceptable Use Policy. Cash App did not tell me what specific policy I supposedly violated. 

After the closure, I eventually gained access to my statements and discovered that Cash App had processed XXXX gambling-related transactions totaling {$17000.00}. These transactions occurred between XX/XX/XXXX and XX/XX/XXXX and involved prohibited merchants such as XXXX, XXXX, XXXX, and others. These merchants violate Cash Apps own Acceptable Use Policy on restricted transactions. 

Cash App never flagged these transactions, never notified me, and failed to prevent or block this prohibited activity for nearly XXXX years. 

On XX/XX/XXXX, I called Cash App Support to dispute these unauthorized and policy-violating transactions. Instead of processing my dispute request, the representative told me they couldnt dispute those charges and incorrectly submitted an appeal of my account closureeven though I clearly stated I was not trying to appeal the account closure. I was requesting a dispute investigation. 

I asked to speak with a manager or supervisor. The representative refused and told me that supervisors only communicate through email and that one would contact me. No supervisor ever contacted me. 

Later, I received an email saying the account closure appeal was denied. Again, this is not what I requested. My actual dispute request was ignored and never investigated. 

Cash App has : Processed XXXX prohibited gambling transactions totaling {$17000.00} Failed to enforce its own Acceptable Use Policy Closed my account without explanation in XX/XX/XXXX Ignored my dispute request Filed the wrong type of request ( closure appeal instead of dispute ) Refused escalation to a supervisor Promised supervisor follow-up that never occurred I am requesting that the CFPB require Cash App and XXXX Bank to XXXX XXXX. Provide a written explanation for the XX/XX/XXXX account closure XXXX. Identify the specific policy they claim I violated XXXX. Explain why prohibited merchants were allowed for nearly XXXX years XXXX. Provide internal account review and fraud monitoring notes XXXX. Properly investigate the unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, I am formally disputing several inaccurate and incomplete items appearing on my TransUnion credit file. I am requesting a full reinvestigation under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) and correction or deletion of all items that can not be fully verified for accuracy and completeness according to XXXX ( b ). 
Below are the items that require reinvestigation : XXXX. XX/XX/XXXXXXXX Account XX/XX/XXXX Issues : Reports a XX/XX/XXXX-day late status inconsistent with data across bureaus. 
Past-due amount and payment history show inconsistent month-to-month reporting. 
This tradeline previously showed in dispute, which requires a full revalidation after resolution. 
Requested Action : Remove all late-payment cXX/XX/XXXXes or delete the tradeline if accuracy can not be proven. 
XXXX. XXXX XXXX Account XX/XX/XXXXIssues : Reported as charge-off but balance and credit limit fields contradict each other across bureaus. 
Missing complete account number = incomplete per FCRA accuracy requirements. 
Payment history shows gaps. 
Requested Action : Delete the account due to incomplete and unverifiable reporting. 
XXXX. XX/XX/XXXXXX/XX/XXXX AccountXX/XX/XXXXXXXX Issues : Extremely large inconsistencies in balance vs. past-due amounts. 
Missing detailed history fields required under Metro 2 standards. 
Appears as both collection and charge-off, which contradicts furnisher guidelines. 
Requested Action : Delete the account for failure to report with maximum possible accuracy ( 15 U.S.C. XXXX ( b ) ). 
XXXX. XXXX AccountXX/XX/XXXXIssues : Account shows charge-off but inconsistent XX/XX/XXXX indicators. 
Missing payment history months. 
Status dates do not line up with activity dates. 
Requested Action : Delete or correct all inaccurate fields. 
XXXX. XXXX XXXX Account XX/XX/XXXX Issues : Shows late XX/XX/XXXXdays despite reporting as closed and paid. 
A closed account can not be currently late, making this legally inaccurate. 
Requested Action : Remove late-pay history or delete tradeline.

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 2025-11-21 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: FL

Complaint narrative:
Dear Equifax, Please begin a formal reinvestigation on the following inaccurate items in my Equifax credit file : XXXXXX/XX/XXXXXXXX Account XX/XX/XXXXReports XX/XX/XXXX days late despite contradictory last-payment data. 
XX/XX/XXXX and monthly history do not match XXXX. 
Action Requested : Correct or delete. 
XXXX. XXXX Account XX/XX/XXXXReports charge-off, but balance and limit fields contradict XXXX. 
Missing account data incomplete. 
Action Requested : Delete for failure to meet XXXX ( b ). 
XXXX. XXXX XXXX masked acct number shown Inconsistencies in activity dates. 
Reporting balance after charge-off may violate Metro XX/XX/XXXX 
Action Requested : Delete. 
XXXX. XXXX XXXX Account XX/XX/XXXX Shows late history long after closed date. 
Closed accounts can not be late by definition. 
Action Requested : Delete late cXX/XX/XXXXes or delete tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXXXXXX 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 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 as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am submitting this complaint because Experian is reporting several accounts, inquiries, and late payments that I believe are inaccurate or unverified. My disputes with Experian have not resulted in proper validation. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX Acct : XXXX Balance : XXXX XXXX XXXX XXXX Acct : XXXX Balance : XXXX XXXX  Acct : XXXX Balance : XXXX Experian has not provided verification proving account ownership, balance accuracy, or proper reporting. 

HARD INQUIRIES I do not recall authorizing the following inquiries and request proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XX/XX/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 Experian has not provided evidence that I granted permission for these inquiries. 

LATE PAYMENTS XXXX  XXXX Auto Acct : XXXX DeptEd / XXXX  Accts : XXXX and XXXX These late payments remain unverified and unresolved. 

I request that Experian validate each disputed account, inquiry, and late payment or remove them if they can not be verified under the FCRA.

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