vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Account Reference : XXXX / {$780.00} Account Number : XXXX To Whom It May Concern, This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby demand that you cease and desist all communication with me regarding the above-referenced alleged debt. 

I do not consent to being contacted by telephone, mail, email, text message, or by any other means by your company, its agents, or third parties acting on your behalf. This demand covers all forms of communication related to this matter. 

Under the FDCPA, your only permissible communication from this point forward is either : XXXX. A single confirmation that you will cease communication, or XXXX. A notice of specific legal action you intend to pursue. 

Any further contact beyond these limits may constitute a violation of the FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney General. 

Additionally, if you intend to pursue this matter legally, I demand full and complete validation of the alleged debt, including : The name and address of the original creditor ( XXXX ) A detailed itemization showing how the amount of {$780.00} was calculated Proof of your legal authority to collect on this debt Failure to comply with these requests or continued attempts to contact me outside of the provisions of the FDCPA will be met with appropriate legal action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
I went to prison and my house was cleaned out because I was evicted and all my personal information was used. Someone made a cash app in my name and caused me to be unable to obtain a cash app as Im the legal human over the social and named used. Cash app want give me another chance to have my own cash app due to that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint against Experian, one of the three major credit reporting agencies, for repeated violations of the Fair Credit Reporting Act ( FCRA ) that have caused me financial harm and mental distress. 
Nature of Complaint : On multiple occasions, I have formally disputed several negative and inaccurate items on my Experian credit report, including : Multiple accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX, all marked as potentially negative without proper verification. 

Several hard inquiries ( from XXXX XXXX, XXXX XXXX and XXXX XXXX ) that were not authorized by me and remain on my report without my written consent or any documentation showing permissible purpose. 

Experian has failed to verify these items according to FCRA 611 and refuses to provide proper documentation under 609 ( a ) ( 1 ). Despite my direct, written disputes : They continue to report unverifiable accounts They have not provided supporting evidence They have not removed or blocked these harmful entries They have violated 604 ( a ) ( 3 ) by allowing third parties to pull my credit without proper legal basis Violations Cited : FCRA 602 ( a ) : Experian is reporting unfair and inaccurate information FCRA 604 ( a ) ( 3 ) : Inquiries were made without documented authorization FCRA 609 ( a ) ( 1 ) : Experian failed to provide complete documentation as requested FCRA 611 ( a ) : Items remain unverified and are still being reported FCRA 605B ( c ) : Experian failed to block unverifiable accounts pending deletion These accounts and inquiries are destroying my credit score and preventing me from securing fair credit opportunities.

Relief Requested : I am respectfully requesting the CFPB to : Open an investigation into Experian
s handling of my dispute ( s ) Demand deletion of all unverified and unauthorized items Enforce compliance with FCRA deadlines and documentation requirements Impose fines and penalties for Experians negligence and willful noncompliance Ensure Experian blocks all negative items until fully validated with supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint against Experian, one of the three major credit reporting agencies, for repeated violations of the Fair Credit Reporting Act ( FCRA ) that have caused me financial harm and mental distress. 
Nature of Complaint : On multiple occasions, I have formally disputed several negative and inaccurate items on my Experian credit report, including : Multiple accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX, all marked as potentially negative without proper verification. 

Several hard inquiries ( from XXXX XXXX, XXXX XXXX and XXXX XXXX ) that were not authorized by me and remain on my report without my written consent or any documentation showing permissible purpose. 

Experian has failed to verify these items according to FCRA 611 and refuses to provide proper documentation under 609 ( a ) ( 1 ). Despite my direct, written disputes : They continue to report unverifiable accounts They have not provided supporting evidence They have not removed or blocked these harmful entries They have violated 604 ( a ) ( 3 ) by allowing third parties to pull my credit without proper legal basis Violations Cited : FCRA 602 ( a ) : Experian is reporting unfair and inaccurate information FCRA 604 ( a ) ( 3 ) : Inquiries were made without documented authorization FCRA 609 ( a ) ( 1 ) : Experian failed to provide complete documentation as requested FCRA 611 ( a ) : Items remain unverified and are still being reported FCRA 605B ( c ) : Experian failed to block unverifiable accounts pending deletion These accounts and inquiries are destroying my credit score and preventing me from securing fair credit opportunities.

Relief Requested : I am respectfully requesting the CFPB to : Open an investigation into Experian
s handling of my dispute ( s ) Demand deletion of all unverified and unauthorized items Enforce compliance with FCRA deadlines and documentation requirements Impose fines and penalties for Experians negligence and willful noncompliance Ensure Experian blocks all negative items until fully validated with supporting documentation

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 2025-07-21 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: AZ

Complaint narrative:
I submitted formal credit disputes to TransUnion, Experian, and Equifax regarding multiple inaccurate and unverifiable items on my credit report. These included incorrect personal information, a charged-off account from XXXX XXXX XXXX XXXX unverifiable, a paid XXXX account that continues to report late payments, and unauthorized inquiries from XXXX and XXXX XXXX XXXX XXXX XXXX 

Despite citing specific FCRA laws and Metro 2 Compliance standards, the credit bureaus failed to : Remove outdated/inaccurate personal data ( FCRA 1681e ( b ) ), Delete unverifiable accounts with no original signed documentation ( FCRA 609 ( a ) ( 1 ) ), Remove misleading late payments on a paid account ( FCRA 1681i ( a ) ), Remove unauthorized inquiries with no permissible purpose ( FCRA 604 ( a ) ), Provide a valid method of verification ( FCRA 611 ( a ) ( 7 ) ). 

Their refusal to correct these violations is causing continued damage to my credit and financial standing.

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 2025-07-21 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt 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 2025-07-21 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: Park Hill Holdings
State: FL

Complaint narrative:
I am disputing inaccurate rental-related information being reported A rental collection account originally tied to XXXXXXXX XXXX XXXXXXXX appeared on my credit report, but it was successfully removed after investigation proving the debt was either inaccurate, not mine, or unverified. 

Despite this, your company appears to still report this or related tenant information, which is now negatively affecting my ability to secure housing. 

I have attached documentation that : Shows this account was removed from my credit reports ( XXXX ), Proves I was living at a different address during the entire time in question, and Confirms this debt or rental issue is not mine. 

This is a violation under the Fair Credit Reporting Act ( FCRA ), and I request immediate removal and full deletion from your system.

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 2025-07-20 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. This is hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
i looked on my credit report and seen a inquary what was the purpose of the pull on my report and send me all the information you have on the credit pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XXXX  account XXXX Phone number : XXXX was suspended without any prior warning or clear explanation. I have not violated any terms of service to my knowledge. I contacted XXXX  multiple times requesting clarification and reinstatement of my account, but received no satisfactory response. This account suspension has caused me significant inconvenience and I want Venmo to restore my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: TriMark Financial Solutions DBA Distressed Mortgage Solutions
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. 
The mortgage broker XXXX XXXX talked me falsely into an investment loan of {$300000.00}, with Trimark XXXX XXXX for a " XXXX  '' with an APR of 14.5310 % for 1 year ( cash paid to borrower of {$130000.00} ). Trustee is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. It also states that if " the property is leased to a third party, borrower is unconditionally assigning and transferring to lender any rents, regardless of to whom the rents are payable '' which was not agreed upon when sold the loan to me. It also states that if I fail the interest rate of my loan 30 days, the interest rate will be increased to 22.90 % per annum. It also states there is a condominium rider even though I did not buy a condominium. I also haven't received an appraisal upon request. I did not waive my right to review the appraisal. Furthermore, it states that I may lose the property and all of my equity through foreclosure if I'm unable to make monthly payments. Furthermore, it states that borrower does not occupy or use the property, and has no present intention to occupy or use the property in the future, either as borrower 's prinicpal residence or second home. This was not agreed upon. It was supposed to be my first home in XXXX XXXX. The mortgage broker confirmed me that the property was supposed my first/second home in XXXX XXXX and I can rent it out on Airbnb/short term XXXX which was also false information based on the fact that it is a TIC and a rent-controlled apartment.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'There is wrong information reporting on my credit report. I would like it changed to correct information. there should only be one name ,address and phone number please remove all other off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the correct information that should be reporting on all three credit bureau.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert that my reinvested was complete, this it the problem below, none of my request was acknowledged, they made no effort to investigate, XXXX bought XXXX XXXX  account and is only reporting a there portion, and all of this had cause major issues, is not showing the real account Issue : * * Inaccurate credit reporting and denial of XXXX XXXX due to unverifiable charge-off * * Consumer : * * XXXX XXXX XXXX XXXX XXXX Address : * * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX * SSN ( last XXXX ) : XXXX XXXX XXXX XXXX XXXX  DOB : * * XX/XX/year> * * Complaint Summary : * * I am a XXXX XXXX  XXXX and was denied a XXXX mortgage loan from both XXXX  XXXX and XXXX  XXXX XXXX  in XXXX  due to inaccurate and incomplete credit reporting on an account currently serviced by XXXX XXXX XXXX. 

The account originated with XXXX but is now reported by XXXX without full documentation or continuity. It includes charge-off and repossession not properly substantiated with documentary evidence. I disputed this with Equifax under FCRA 1681i, but they failed to obtain verifiable records such as the original sales contract, payment history, or repossession documentation. 

The inaccurate data caused my credit score to drop and resulted in multiple credit inquiries and the loss of a housing opportunity I earned through my military service. 

* * Requested Resolution : * * - Removal of the account from my credit report - Removal of all credit inquiries tied to the XXXX  loan denials- Credit score adjustment - Compensation for damages under the Fair Credit Reporting Act ( FCRA ) * * Companies Involved : * * - Equifax XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX  Thank you for assisting in correcting this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I opened up a credit card with XXXX and purchased two items from the store in XXXX XXXX XXXX. I left my home for XXXX  and returned home to an extremely high bill I attempted to dispute the bill thinking that there had been fraudulent transactions placed on my account, but, was unable to get a representative on the phone. The account ended up being cancelled and sent to XXXX XXXX XXXX. I do not think that it it is fair or legal to charge me for purchases I did not make this is also causing my credit score to drastically decrease making it impossible for me to purchase things and take care of my bills and needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

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 168. 

XXXX XXXX XXXXP {$5000.00} has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 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 2025-07-21 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
i recognized a inquiry on my credit report what was the purpose of your company pulling my report and send me all information you have in regard to your pull

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 
1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 non-monetary relief
Consumer complaint received 2025-07-20 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I got a hard inquiry on credit report on XXXX XXXX from BRCLYSBANKDE Inquiry : XXXX. XXXXXXXX XXXX I have no idea what this is for, nor does Barclays Bank of Delaware. I want it removed from my credit report. The representative on the phone clamied ignorance of it. I need a little more than that.

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