vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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 am a victim of XXXX. The information listed below, which currently appears on my credit report, is the direct result of that XXXX Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you block this information from my credit file within XXXX ( XXXX ) business days of receipt of this notice. 

In addition, pursuant to Section 605B of the FCRA, I request that you conduct an immediate reinvestigation into these fraudulent accounts and remove them from my credit report. These items are the result of circumstances beyond my control and should not be used to evaluate my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WY

Complaint narrative:
Asked for proof of debt and a validation letter and to report correct date of debt and they haven't done anything they then said they were going to transfer me to a supervisor and transferred me to XXXX credit repair who claimed to be Jefferson capital and then charged me over {$300.00} and didnt resolve anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
My late husband maintained an account with Crypto.com ( Foris DAX, Inc. ). After his passing, I submitted his death certificate and last will and testament to the company, as they requested. Despite providing these documents, Crypto.com has refused to release the funds in his account. 

Their representatives informed me that they will not release the funds without a court order or probate proceeding. Under XXXX law, probate is not required for his estate, and the cost of such a court filing would exceed the value of the account. The companys requirement is therefore unreasonable and effectively prevents me from accessing the funds. 

Additionally, Crypto.com has refused to provide any mailing address or email address for legal correspondence. They insist that I or my attorney only communicate with them through their in-app chat system, which is inappropriate for estate and legal matters. 

This refusal to release the funds and refusal to provide proper contact information has caused financial hardship and forced me to consider regulatory complaints to resolve the matter. 

What I am seeking : I request that Crypto.com ( Foris DAX, Inc. ) be required to : XXXX. Confirm the account balance in writing. 
XXXX. Release the funds to me as the lawful surviving spouse without requiring unnecessary probate. 
XXXX. Provide a proper mailing and/or email address for legal correspondence regarding estate matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: TX

Complaint narrative:
Collection agency trying to collect on debt that was ruled identity theft by XXXX XXXX they removed debts from credit report and then this company put it on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Cease and deceast. Chain of custody or foward flow agreement. Debt validation letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some discrepancies of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is vital that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XX/XX/XXXX is not 100 % accurate. XX/XX/XXXX is not up to date. XX/XX/XXXX says Im 30 days late but does not reflect accurate on all the credit bureaus? XX/XX/XXXX says Im 30 days late on only one credit bureau? Match of XXXX is not fully accurate and XXXX of XXXX is not fully accurate. I would like this to be all resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
So last week I checked my Best Buy account to see if an item was still eligible for a return. I noticed a purchase made on my account that I had not made. Checked my citi Best Buy card and the charge was present there as well. Called citi 3 separate time and each time Im told that not fraud case was submitted and that theyd do it that time. The receipt from the transaction is linked to my account so I was able to deduce that it was made not with physical card but by customer lookup which typically requires photo ID. The charges were for the amount XXXX made on XX/XX/year>. This purchase was made in another state. It seems simple to me but the company is not acting in good faith

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
On XX/XX/2025, I sent XXXX XXXX a certified validation request for an account they are reporting. They did not provide documentation and instead referred me to XXXX XXXX. On XX/XX/2025, I sent XXXX XXXX a validation request. They also did not provide any validation. On XX/XX/2025, I renewed my demand with XXXX XXXX 

Despite failing to validate, XXXX continues to furnish derogatory information to the credit bureaus. This violates FDCPA 809 ( b ) and FCRA 623. I am requesting that XXXXXXXX XXXX be required to delete this tradeline entirely or provide complete validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
On XX/XX/year>, I sent XXXXXXXX XXXX  a certified validation request for an account they are reporting. They did not provide documentation and instead referred me to XXXX XXXX. On XX/XX/year>, I sent XXXX XXXX a validation request. They also did not provide any validation. On XX/XX/year>, I renewed my demand with XXXXXXXX XXXX 

Despite failing to validate, XXXX continues to furnish derogatory information to the credit bureaus. This violates FDCPA 809 ( b ) and FCRA 623. I am requesting that XXXXXXXX XXXX  be required to delete this tradeline entirely or provide complete validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
FCRA 604, 609, 611 ; NC UDTPA ( N.C. Gen. Stat. 75-50 et seq. ) ; 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) Victim of XXXX  XXXX Breach ( Case No. XXXX ) ; XXXX  XXXXXXXX XXXX XXXX  XXXX 15 U.S.C . 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, North Carolina Consumer, has been impacted by XXXX  and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All information listed below were without my authorization, consent, or signature, either electronic or wet-ink. 

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit files. 

Without my authorization, the following fraudulently information is on my Clarity file, and I have never provided any permission for access to my credit files or for accounts to be established in my name : XXXX. Telephone Numbers You Never Had Permission To List XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ) XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ) XXXX. Fraudulent Email Address XXXX ( XX/XX/XXXX XXXX PM XXXX ) XXXX. Improper Credit Inquiries ( No Permissible Purpose ) XXXX  ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Business Loan ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( XXXX entries ) XXXX. XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : Routing : XXXX ; Account Ending XXXX ; Monthly Income {$7000.00} & {$8500.00} I further assert that Experian Clairty Services has failed to provide an effective investigation in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
on XX/XX/year> I send the company a letter using law 15usc 1692 c to removed the debt from my credit report because the information reporting is not correct but the company yet to removed the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Below are the accounts in question : XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX Account XXXX : XXXX - XXXX. XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am asking you to reopen my current case that was just closed for capital one. The response from capital one is completely unacceptable. They state repeatedly that I have not provided the additional information they requested however, they do not stay with that information is. Verbally I have been told to provide a receipt which I provided as well as a rationale which I provided. The reason for the complaint is, as documented in the receipt, I was charged for XXXX days of rental however, I returned the car as per the original contract after XXXX day. My dispute is that I was charged for XXXX additional days that I neither agreed to nor were valid because the car was returned after XXXX day. This is not addressed in capital ones response nor is the specific additional information that they require ever listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Portfolio Recovery Associates regarding their reporting of a debt on my credit report. I have no knowledge of this debt or the original creditor they are allegedly collecting for. Despite my attempts to dispute this item, it remains on my credit report without any validation of the debt being provided to me. 

I submitted a dispute with the credit reporting agencies and also requested debt validation directly from Portfolio Recovery Associates. However, they have failed to furnish any documentation that proves I owe this debt or that they have a legal right to collect it. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper verification of the debt, which I have not received. 

The continued reporting of this unverified debt is causing harm to my credit profile and is in violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully request that the CFPB investigate this matter and require Portfolio Recovery Associates to either validate the debt with proper documentation or remove the account from all credit reporting agencies. 

Please find my contact information below for any additional questions or follow-up regarding this complaint. I am requesting a thorough investigation and resolution as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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