vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-11-29 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding multiple inaccuracies that continue to appear on my Experian, Equifax and TransUnion credit report. Despite previous rounds of dispute, the same errors remain, and I am requesting a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all information is accurate, complete, and verifiable. 
First, the addresses listed on my report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, are inaccurate. These addresses do not reflect my current or previous residence history and may be the result of misassociation or clerical error. Under FCRA 609, I am entitled to full disclosure of all reported information, and Experian, Equifax and TransUnion has the responsibility to verify addresses with accurate documentation before reporting them as part of my credit file.

Inaccurate addresses can contribute to misidentification and cause significant harm to my credit profile.

Additionally, the account XXXX XXXX XXXX XXXXXXXX, currently reported as a charge-off with a balance of {$920.00}, is inaccurate. My records do not support the reported delinquency or the current balance. Reporting such inaccurate charge-off information violates FCRA 611 ( a ), which requires Experian, Equifax and TransUnion to conduct a reasonable reinvestigation of disputed information, including verification directly with the furnisher. Any information that can not be fully substantiated must be corrected or removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding multiple inaccuracies that continue to appear on my Experian, Equifax and TransUnion credit report. Despite previous rounds of dispute, the same errors remain, and I am requesting a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all information is accurate, complete, and verifiable. 
First, the addresses listed on my report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, are inaccurate. These addresses do not reflect my current or previous residence history and may be the result of misassociation or clerical error. Under FCRA 609, I am entitled to full disclosure of all reported information, and Experian, Equifax and TransUnion has the responsibility to verify addresses with accurate documentation before reporting them as part of my credit file.

Inaccurate addresses can contribute to misidentification and cause significant harm to my credit profile.

Additionally, the account XXXX XXXX XXXX XXXXXXXX, currently reported as a charge-off with a balance of {$920.00}, is inaccurate. My records do not support the reported delinquency or the current balance. Reporting such inaccurate charge-off information violates FCRA 611 ( a ), which requires Experian, Equifax and TransUnion to conduct a reasonable reinvestigation of disputed information, including verification directly with the furnisher. Any information that can not be fully substantiated must be corrected or removed promptly.

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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/year>, Portfolio Recovery Associates was reporting a collection account on my XXXX credit report. After disputing the account for accuracy and ownership, the collection status was removed and updated to closed, but a balance is still being reported as owed. Portfolio is not the original creditor. I disputed this inaccurate reporting with XXXX, and the response was dispute resolved, subscriber disagrees, with no proof of ownership, bill of sale, or chain of title provided. Reporting a closed account with a balance owed without documentation verifying legal ownership is inaccurate and misleading. I am requesting that Portfolio either provide full legal proof of ownership and the right to report, or delete this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Dispute of Collection Account Reported by Credence Resource Management To Whom It May Concern, I am writing to formally dispute a collection account currently reported by Credence Resource Management on my credit report. The account details are as follows : Collection Agency : Credence Resource Management Original Creditor : XXXX  Account Number ( partial ) : XXXX Reported Balance : {$1400.00} Date Opened : XX/XX/year> Last Reported : XX/XX/year> Account Status : Open / Placed for Collection Responsibility : Individual I am requesting the removal of this collection account from my credit report for the following reasons : 1. Lack of Proper Debt Validation ( FDCPA 809 / 15 U.S.C. 1692g ) I have not received proper validation of this alleged debt. I dispute the accuracy and legitimacy of this account. Until full validation is providedincluding : A complete itemization of the balance Proof of assignment or sale from XXXX Demonstration of Credences legal authority to collect Any contract or record bearing my signature all collection activity must cease.

2. Inaccurate or Incomplete Reporting ( FCRA 602, 607, 611 ) The account is reported with conflicting and incomplete information, including : An open status A current balance A placed for collection remark These inconsistencies may violate the FCRA standards for accurate and fair reporting.

3. No Proof of Assignment or Ownership Provided I have not received proper documentation from XXXXXXXX  or Credence showing legal transfer or ownership of this debt.

Without proof, this account can not be validated.

Request for Investigation & Deletion Under the Fair Credit Reporting Act, I request a full investigation. If Credence Resource Management can not validate this debt or correct the inaccuracies, I request that the account be deleted entirely from all credit bureaus.

Please provide written confirmation of receipt and the results of your investigation.

Included : copy of my ID and a copy of the credit report page showing this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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, 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 XXXX  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 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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: AL

Complaint narrative:
This debt collector has done prohibits. They furnished this an agreement on. A legal co in any of it. they didn't follow the FDCPA, I'm entitled to co violated my rights and immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and contradictory credit reporting by the XXXX XXXX XXXX XXXXXXXX  XXXX XXXX on multiple federal student loan tradelines across TransUnion, XXXX, and XXXX. 

For each of my XXXX XXXX XXXX XXXX XXXX examples : account number series XXXX, including current balances approximately {$21000.00}, {$20000.00}, {$19000.00}, {$11000.00}, {$7100.00}, and {$3400.00} ), the tradelines all show : Status fields of In Good Standing/ As Agreed/ {$0.00} past due, and Payment history grids showing XXXX  day delinquencies for XXXX XXXX  ( and on XXXX loan, XXXX XXXX  ), even though the account is now current and there is no past-due balance. 

These XXXX things can not both be true at the same time. If the loans are current/ as agreed / {$0.00} past due, then they should not be coded as XXXX  days late in the same time period. This is internally inconsistent and misleading under the XXXX XXXX XXXX Acts requirement for accurate and non-misleading reporting. 

I have mailed XXXX certified dispute letters directly to XXXX XXXX XXXX XXXX XXXX at the addresses shown on my credit reports ( including XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX ). My most recent letters were sent in XXXX  by certified mail with return receipts. 

In those letters I specifically requested : A reasonable investigation of the XXXX XXXX  late codes, Documentary proof showing any amount that was actually past due in those months, and Correction or deletion of any inaccurate or unverified late payments. 

To date, I have not received any meaningful documentation or correction. The accounts continue to report as As Agreed/ In Good Standing/ {$0.00} past due while simultaneously showing multiple XXXX  day delinquencies in XXXX, and they are now also coded as Dispute Resolved Consumer Disagrees or Consumer Disputes After Resolution, even though the core inaccuracy was never fixed.

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 2025-11-29 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:
I am extremely stressed because these inaccurate accounts are still appearing on my credit report, and they were not taken off at all. I am begging that the documents I attached are checked carefully so I can finally stop living in fear of this issue.

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 2025-11-29 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:
Summary of the Issue : I am filing this complaint because Cash App has repeatedly failed to properly investigate unauthorized transactions made to XXXX, despite providing full documentation, timestamps, and a pattern of identical transactions being refunded on some dates but denied on others. Cash Apps actions violate several provisions of Regulation E ( 12 CFR 1005 ) related to unauthorized electronic fund transfers and required investigation procedures. 

Details of the Problem : Between XX/XX/year> and XX/XX/year>, a total of over 70 transactions were processed to a merchant labeled XXXX. I have disputed these transactions multiple times, and I supplied : Exact dates, times, and amounts A full list of all unauthorized transactions Screenshots and account information Written explanations Evidence that other transactions on the same days were refunded Despite providing complete documentation, Cash App denied my disputes without supplying any evidence that the transactions were authorized, which is required under Regulation E.

Regulation E Violations : Cash App has violated the following obligations : 1. 1005.11 Failure to Conduct a Proper Investigation Cash App denied multiple claims without conducting a complete or reasonable investigation, even after being provided with a comprehensive list of the disputed transactions.

2. 1005.11 ( d ) Burden of Proof is on the Institution Cash App did not provide evidence demonstrating that I authorized these transactions. Instead, denials were issued without explanation, contrary to Regulation E requirements.

3. 1005.11 ( c ) Failure to Provide Written Investigation Results The denial emails did not contain any meaningful explanation or findings, and no proof of authorization was provided.

4. Inconsistent Treatment of Identical Transactions Some XXXX  charges on the same dates were refunded, while identical ones were denied. This inconsistency shows the investigation process was incomplete and not performed in good faith.

Previous CFPB Complaints Filed : I have already submitted multiple complaints regarding the same issue. All remain open : XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) Cash App has not resolved the unauthorized charges or provided the documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I, 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 2025-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation On XX/XX/XXXX I sent a certified letter to this debt collector and they never got back to me, I tried again XXXX months later and no response. 
These Information are found in my credit reports : Account Number : XXXX XXXXXXXX | Owner : Individual Account Collection Reported : XX/XX/XXXX Amount : {$490.00} Original Creditor : XXXX XXXX Assigned : XX/XX/XXXX Balance as of XX/XX/XXXX : {$490.00} Creditor Classification : Cable/Cellular Date of XXXX Delinquency : XX/XX/XXXX Last Payment Date : None Status as of XX/XX/XXXX : Unpaid

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 2025-11-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Balance : {$520.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -- Balance : {$1800.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXXOn XXXX XXXX XXXX at XXXXPM, I deposited my paycheck for XXXX into my Capital One 360 checking account ending in XXXX  at a Capital One Bank ATM. I received notification that my funds would be available on Tuesday, XXXX  XXXX. On Wednesday XXXX XXXX  (XXXX  Eve) I went to purchase something and my funds were not in my account. I did not see any pending payments nor did I see a hold. It was like my check disappeared. I contacted Capital One and the representative told me there is a hold on the check because of the memo my employer put so him and I can keep track of the hours he paid me each week. A memo has nothing to do with the bank it is a note for the sender/receiver. Because the pay period that is written at the top of the check for account reasons did not match up with the memo about what week I was getting paid for, Capital One flagged the check. The rep said that it would clear on XXXXXXXX XXXX XXXX. I tried to explain that it was the night before XXXX and I had to travel XXXX XXXX hours and I didnt have any money. Even though they could do something, they wouldnt do anything. I called back again and spoke to another representative in the fraud department and explained the same thing and this representative had the nerve to put me on mute while I was talking so he could not pay attention or talk to someone else. I was not able to spend time with my loved ones on XXXX  or visit my father in the hospital because of this. Capital One cashed the first paycheck the week before with no problem. I am beyond angry and frustrated. This is money I work hard for and belongs to me. The representative said that Capital One was doing this for my benefit and protecting me from fraud! I am not ignorant, the fact they think that they can give me some nonsense excuse was insulting. I even said that I would be accountable and be held responsible if something was to come from this. Which it XXXX  because it is my paycheck and a memo has nothing to do with the bank. I can write whatever I want on the memo line. I feel completely helpless and frustrated. Please do something to correct this. Thank you.'

Company response to consumer: Closed with explanation