vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, while caring for my mother in XXXX XXXX began receiving calls on my XXXX cellular phone number, from a collection agency about an XXXX XXXX XXXX balance, to which I replied, I did not nor ever had an XXXX XXXX XXXX XXXXccount. After several weeks of phone calls, and other spam calls I blocked all unknown phone numbers. On on about XX/XX/XXXX I received a collection notice from True Accord stating that they were collecting for XXXX XXXX XXXX, to which I responded it was not my debt and I also wrote a letter, I wanted the harassment to stop and I felt it was a phishing scam, as it wasn't even my correct last name. Then on or about XX/XX/XXXX I received another notice from a XXXXXXXX XXXX  with " Account Validation '' showing a copy of the bill to someone with a similar name, and an address that I have never lived nor been associated with, told them it was not my name, not my address or my debt and asked them to stop harassing me. On Saturday, XX/XX/XXXX, while eating breakfast on vacation, I received an alert from XXXX that my credit score had dropped XXXX points. I immediately investigated and found that a company by the name of Credence Resource Management, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX had reported a collection for this debt. I don't know who they are or how they have the right to report this disputed debt to the credit bureau and how they obtained my social security number, I did not disclose it to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens bank closed my checking account and marked it has a charge off. Before the account was closed and charged off and made a negative impact on my credit report. I called to see if I could get a fews days after the date to close to pay the balance. They said No and that if I didnt have it on the date. They would closed the account. Which was on XX/XX/year>. The account has been flagged on my report as a charge off. Id like to get help with this not being on my report. I am trying to peruse financial freedom. So I can buy a home and get financing for a car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt Validation & Cease False Representation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX, USA Re : Formal Dispute and Request for Validation Account # i don't know ss # XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account. This is a formal notice that I dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I am aware of violations of 15 U.S.C. 1692e regarding false, deceptive, or misleading representations in your collection attempts. Specifically : You have represented information about this debt in a manner that is inaccurate and misleading.

You have failed to provide clear and complete documentation substantiating your legal right to collect. Accordingly, I require the following : 1. Proof of the debt a complete accounting of the alleged balance.

2. Original signed contract or agreement showing that I have a legal obligation to pay.

3. Proof of assignment/ownership including chain of title if this account was sold or transferred.

4. Verification of licensing and authority proof that XXXX XXXX XXXX is authorized to collect debts in my state ( Florida ). 

5. Copies of all communications and records regarding this account. Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau.

Contacting me by phone or mail.

Pursuing any legal action.

If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692e ( 8 ) and the Fair Credit Reporting Act ( FCRA ) to mark the account as in dispute.

Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office for your violations of federal law. I expect a written response within 30 days of your receipt of this letter. 


Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$51.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$450.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DEPTED/XXXXI - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} DEPTED/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DEPTED/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-01 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: MS

Complaint narrative:
Despite multiple disputes and the filing of CFPB Complaint # XXXX ( Experian ) and # XXXX ( TransUnion ), the credit bureaus and furnishers continue to report inaccurate, outdated, and unverifiable derogatory information on my credit file. The accounts involved include XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX , along with several unauthorized hard inquiries. 

Each of these tradelines is either open and in good standing or closed and paid, yet they remain coded as negative with conflicting late-payment histories across Experian and TransUnion. For example, XXXX XXXX is reported by Experian with 30, 60, and 90-day lates, while TransUnion shows only 30-day lates, even though the account is current. XXXX XXXX and XXXX XXXX both show outdated lates from XXXX despite more than a year of on-time payments. XXXX continues to report late payments on a paid auto loan with different late counts across bureaus. XXXX XXXX XXXX is closed but still shows derogatories from XXXX. In addition, Experian and TransUnion are reporting unauthorized hard inquiries from XXXX XXXX and XXXX XXXX XXXX  without permissible purpose. 

These contradictions and outdated derogatories violate multiple sections of the FCRA : 609 ( a ) ( 1 ) ( failure to provide proof of accuracy ), 611 ( a ) ( failure to reinvestigate ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681s-2 ( furnishers duty to report complete and accurate information ). They also violate Metro 2 standards, including Field 11 ( Date of First Delinquency ), Field 17A ( Account Status ), and Field 24 ( Payment Rating ).

The continued misreporting of these tradelines is materially damaging my creditworthiness, misrepresenting my payment history, and causing financial harm. The bureaus have had ample opportunity to correct these errors but instead continue to ignore or partially verify information that is inconsistent and unverifiable across their own reports. This demonstrates willful noncompliance under FCRA 616 and 617.

I request that the CFPB compel Experian, TransUnion, and the furnishers to : Permanently delete all outdated and unverifiable late-payment histories.

Correct the status of open accounts to reflect their true positive standing.

Delete all unauthorized hard inquiries without signed proof of permissible purpose.

Provide updated reports reflecting these corrections.

The bureaus have failed to comply with the FCRA and Metro 2, and I now ask the CFPB to escalate enforcement.

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 2025-09-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection notice I received from Fair Collections & Outsourcing , Inc. ( FCO ), dated XX/XX/XXXX, demanding payment of {$2300.00} for an alleged debt owed to XXXX XXXX. 

No debt is owed. I completed my lease agreement ending XX/XX/XXXX, in full compliance with all terms. The apartment was vacated in good condition, all balances were paid prior to the move-out date, and utilities were paid when billing was issued after move-out. XXXX XXXX has previously made false claims and, when I attempted to dispute them, they refused to provide verification and stated they would only continue communications via phone. Since there were no valid responses to my written disputes and I hold no responsibility for a claim that was never verified, this alleged debt is both inaccurate and unlawful. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt in writing, and you must provide it outside of any portal system. XXXX XXXX has not provided such records as requested outside of the portal. The last communication was XX/XX/XXXX. 

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) requires debt collectors to provide verification of a debt upon request. Collectors can not continue collection activities until such verification is mailed. 

FCRA ( 15 U.S.C. 1681i & 1681s-2 ) prohibits credit reporting agencies and furnishers from reporting unverified or inaccurate information. Any reporting of this alleged debt would violate the requirement of maximum possible accuracy. 

FDCPA, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations of a debt. Reporting or attempting to collect a non-existent balance falls under this prohibition. 

My lease contract was fulfilled as of XX/XX/XXXX. Under basic contract principles, no further obligations exist. Any attempt to collect a debt outside the written terms of the lease constitutes bad faith and unenforceable claims. 

As far as XXXX XXXX sharing my information, they have no authority to share my personal data with debt collectors once my contract was satisfied. This constitutes unauthorized disclosure in bad faith. The continued attempt to collect a debt that was never validated, paired with XXXX XXXX refusal to respond in writing, demonstrates bad faith and abusive practices under 15 U.S.C. 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief