vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a {$900.00} cash deposit at a XXXX store for my Capital One account XXXX Name : XXXX XXXX XXXX and XXXX XXXX ( joint account ). The transaction was completed successfully, but the amount has not appeared in my account balance and I havent received any notice of delay or issue. 

This deposit was done following all the correct steps through the Add Cash in Store feature, and I have the XXXX receipt as proof of the transaction. I urgently need access to these funds and can not afford further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX - Account XXXX. XXXX * * * *, Date Opened : XX/XX/XXXX, XXXX : {$770.00} XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX : {$2500.00} XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, XXXX : {$380.00} Inquiries : No inquiries are being disputed on my Experian credit report. 

Late Payments : I am disputing the following late payments on my Experian credit report : XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX. XXXXXXXX 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 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. I am a victim of Identity Theft. This debt is a direct result of that Identity Theft therefore I am not obligated to pay for it. Please let this debt collector know that I am not responsible for this debt. They're reporting this account on my credit report and hurting my chances of acquiring a house. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries in my credit report. The reference number for that complaint is FTC Complaint s/n, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Obtained new auto insurance with XXXX. Canceled and did not pay renewal premium to XXXX. XXXX failed to send the proper cancellation notice. XXXX turned over outstanding balance it claims I owe when auto insurance premiums are paid in advance of coverage. If XXXX claims it didn't receive a premium payment then the auto policy would have become ineffective with no insurance coverage provided during that time period. Received debt collection letter dated XX/XX/year> from Credit Collection Services attempting to collect a debt obo XXXX ( attached ). Sent formal notice disputing the debt and requesting debt validation to Credit Collection Services on XX/XX/year> within legal 30-day period ) ( attached ). Received insufficient response from Credit Collection Services on XX/XX/year> to my request for the debt validation ( attached ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) if a debt is disputed in writing, the collector must stop attempting to collect it until they provide verification. Credit Collection Services failed to do this because they failed to adequately respond to my request and continues to contact me in an attempt to collect the disputed debt. Credit Collection Services has violated the FDCPA as it has engaged in conduct that harasses, oppresses, and abuses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX pursued collection and filed multiple lawsuits against me even after receiving my Cease & Desist, Hardship Notice, Affidavit of Indigence, and Social Security Disability ( SSDI ) Verification. My only income is federally protected SSDI, which is exempt from collection under 42 U.S.C. 407.

Despite receiving all hardship and indigence documentation, the firm continued initiating litigation on several accounts. They also used duplicate internal file numbers across different cases, causing confusion and preventing me from understanding which account was being pursued.

I requested written confirmation that all collection and litigation activity would stop due to my protected SSDI status and that they had updated their records, but I never received any response. Litigation continued, and new filings were made even after notice of indigence.

I am asking the CFPB to require the firm to cease collection efforts, correct their records, provide the confirmations I requested, and ensure no further legal action is taken on my protected SSDI income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts being reported on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2 ( a ), all information on my credit report must be 100 % accurate, fair, and fully verifiable, which is not the case with the items listed below.

Many of these accounts are not mine, some contain incorrect reporting such as false charge-offs, duplicate collections, wrong balances, or inaccurate late payments. In several cases, I have never received any notice or validation, and the furnishers have failed to provide any documentation proving the validity of these accounts. 
I am requesting CFPB intervention to ensure these furnishers and credit bureaus comply with FCRA and correct/remove all unverifiable and inaccurate items. 
ACCOUNTS IN DISPUTE CHARGE-OFF ACCOUNTSXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX {$1200.00} Issue : Unauthorized and unverifiable reporting. 
REQUEST FOR CFPB ACTION I respectfully request CFPB to : Require each furnisher to provide full validation and documentation proving these accounts are accurate. 
Remove all accounts that are unverified, inaccurate, duplicated, unauthorized, or not mine. 
Correct all false late payment information in accordance with FCRA. 
Ensure credit bureaus update my credit report with only accurate and verifiable data. 
I want my credit report to reflect only true, verified, and legally compliant information as required by federal law. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my Experian credit report. These items are either inaccurate or outdated and need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : 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 2025-12-04 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: MI

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts are inaccurately reported and require immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). The information provided below is separated by each credit bureau. 
The following accounts listed on my Equifax credit report are incorrect. I request an immediate investigation and correction of these items. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Late Payments XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I wish to dispute these accounts because I did not open them or authorize their creation. Please conduct a proper review and remove them from my records. Relevant documents are included to assist you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IN

Complaint narrative:
I received a call from an unknown number and let it go to voicemail. The voicemail was from a woman stating she was from XXXX card services and wanted to verify a debit card in my name. I did not return that call to the number she gave. I instead called the customer service number on my actual XXXX credit card, and they were able to verify that a debit card had been opened in my name. I spoke with the XXXX fraud department to report the fraud.

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 2025-12-04 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: MS

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief