vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following account information as reported by Experian. The accounts listed below are inaccurate and do not reflect the true status of my credit report. Please investigate the following items and correct them as necessary. 

============================== CHARGED OFF XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} LATE PAYMENT XXXX XXXX  Account Number : XXXX XXXX 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Beginning in * * XX/XX/XXXX * *, I started receiving collection notices from a debt collector, Credence Resource Management, regarding an alleged * * XXXX XXXX XXXX XXXX account from XXXX * *. I immediately disputed the debt, as I have never opened or authorized any XXXX XXXX XXXX  account during that timeframe. 

On * * XX/XX/XXXX * *, XXXX XXXX XXXX XXXX XXXX XXXX department issued a fraud case reference number and requested documentation. On * * XX/XX/XXXX * *, I was informed that I needed to provide identity theft affidavit documents and proof of address from * * XXXX * *, which I do not possess. 

Between * * XX/XX/XXXX and XX/XX/XXXX * *, I submitted multiple written disputes to XXXX XXXX XXXX and Credence requesting validation of the debt, including a signed declaration stating I did not open or authorize the account. I requested the original contract, account history, and documentation linking me to the account as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Credence repeatedly responded by sending * * password-protected PDFs * * that I could not open because the passwords required information I do not have ( such as the first digits of the alleged account number ). When I notified them that the documents were inaccessible, they sent another encrypted file that still did not contain any evidence linking me to the accountonly a generic billing summary with no personal information or signatures. At no point did they provide a contract, application, ID match, or any documentation showing I opened the account. 

During this time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX also contacted me and confirmed that a fraud packet needed to be completed, but continued requesting documents from * * XXXX * *, which I repeatedly explained I do not have. Despite my identity theft declaration and written disputes, I continued receiving requests for additional documentation rather than a resolution. 

This alleged account is nearly * * XXXX years old * *, and based on publicly available statutes, appears * * time-barred * * for collection in the state where the account originated. Despite this, Credence and XXXX XXXX XXXX continued attempting to collect without providing verification. 


I have attempted multiple times in writing to resolve this directly, but neither entity has provided verification or ceased contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 non-monetary relief
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/year>, I contacted Resurgent ( XXXX ) and offered {$450.00} total settlement ( 28 % of the combined balance ) with deletion. The representative refused to negotiate below {$550.00} on only one account and stated no supervisor could offer a lower amount. 

This refusal constitutes unfair and abusive collection practices under FDCPA 1692f, false representation of the amount/character of the debt under 1692e ( 2 ) ( A ), and violates UDAAP under the Dodd-Frank Act ( 12 U.S.C. 5531 ) by demanding excessive payment on debts purchased for pennies while blocking my mortgage qualification. 

I am simultaneously sending a formal FDCPA validation request via E-Mail today ( XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> my brother and l open and account at chase branch on XXXX XXXX, XXXX XXXX XXXX ca XXXX This check was issued to my brother who was a beneficiary on a life insurance policy. We Explain to banker XXXX XXXX That my brother only had his XXXX passport as a form of Identification. She suggested that we open an account on my name and deposit the the check as a third party check. She also mention us being able to add him on the account later on if we add him on a Utility bill After a week or so they send a letter that the account was on hold by the fraud department I call them and explain to them how we where miss Informed by the Banker. XXXX XXXX Never mention that they need him to own a phone line in the United States. And according to them that is the only way for them to release the funds By speaking with my brother over the phone We have provided one and they keep telling us that the phone # does not show on their records link to him. We also have gone to the branch with a Notarize later to present is Identity And the phone bill on his name. We have try everything posible whit out any Results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
have made three separate attempts to dispute these items that are filled with inaccurate information across all three bureaus on my credit report and have not received any documentation or proof of validation from the credit bureau. Furthermore, I received correspondence requesting that I provide updated account details for each disputed item, along with proof of identification, before any further investigation could proceed. Given this, it would have been impossible for my disputes to be lawfully verified and updated ( as noted ) without a complete reinvestigation, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request for these items to be removed from my credit report immediately!

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 2025-11-18 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: MD

Complaint narrative:
I was a victim of the Equifax data breach, and as a result my personal information was exposed. Accounts were created or reported that I did not authorize. I am requesting that these accounts be blocked and removed from my credit report under 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Received money transfers from unknown individuals sent to my XXXX XXXX account. Believing it was a mistake left the money in the account so that it could be reclaimed. Zelle accused me of fraud and XXXX XXXX forced me to close my accounts after being a loyal customer for over 23 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried at least five times over the past 18 months to get synchrony to discharge the debt. My ex husband purchased the loan, provided my information, took 100 % responsibility for it in our divorce, then stopped paying once the divorce was final. I did not know until then this was in my name. I have tried to dispute with them, since my drivers license was provided they are refusing to remove the debt or go after him.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a XXXX transaction to my niece, XXXX XXXX XXXX XXXX, for {$180.00} using XXXX account number XXXX, which she has held with Bank of America since XXXX. She never received the money, and it also didn't return to my account. I went with her to the bank branch, we called several times, and each time they gave different information. One day they asked me to speak with the recipient, who is my niece. She had this problem with my XXXX transaction and also with two others that she didn't receive. In my case, to avoid any loss for her, on XX/XX/XXXX, I sent a XXXX transaction of {$1.00} to test if she would receive it. Since she received that one, I sent another XXXX transaction for {$180.00}, which she also received. However, the XXXX transaction for {$180.00} has not been received to this date, and it hasn't returned to my account. She filed a complaint regarding these 3 XXXX  on this same channel, and the response she received was that the person who sent the money should file the complaint, which is why I'm here. Please help us, we don't know who else to turn to to resolve this situation. My phone number is XXXX if you need any further information. Thank you.

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 monetary relief
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX for failing to conduct a lawful, reasonable, and good-faith reinvestigation of disputed information on my credit report. This complaint is filed in alignment with the recent lawsuit and findings regarding XXXX Sham Investigation Procedures, in which the Bureau found that XXXX  engaged in improper, automated, or insufficient dispute handling that violated the Fair Credit Reporting Act ( FCRA ) and harmed consumers. 

Account in Dispute Company : XXXX Dispute Filed : XX/XX/year> Issue : XXXX  failed to conduct a lawful reinvestigation, resulting in the inaccurate continued reporting of this account. 

I disputed this account with XXXX  on XX/XX/year>, yet they failed to perform a legitimate investigation as required under 15 U.S.C. 1681i. Due to the CFPBs recent findings involving XXXX unlawful dispute-handling methodsincluding the use of automated systems, failure to review consumer-submitted documentation, and refusal to meaningfully investigate disputesit is clear that my reinvestigation was not conducted properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$22000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} Hard Inquiries : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Please treat this letter as my formal dispute of the accounts noted. I did not approve or open them and have no connection to them. I request their deletion and an appropriate investigation. Documentation is included.

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 2025-11-18 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: DE

Complaint narrative:
I am disputing the following accounts as they are inaccurately reported. I request immediate investigation and correction of these entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-18 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:
I am writing to file a formal dispute concerning the following accounts that I believe have inaccuracies or misreported information. The accounts in dispute are categorized as Charged Off, Inquiries, and Late Payments. These accounts are reported across three bureaus : Experian ( EX ), Please find the relevant details below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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