vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
SUBMITTED AN ADDRESS DISPUTE WITH THE COMPANY EXPERIAN. SINCE SUBMITTING THE DISPUTE THEY HAVE RE-ARRANGED THE SPELLING OF THE INACCURATE ADDRESS BUT HAVE NOT REMOVED THE INACCURATE ADDRESS. EXPERIAN HAS ALSO FAILED TO PROVIDE A METHOD OF VERIFICATION SO THAT THE INACCURATE INFORMATION CAN BE FUTHER INVESTIGATED OR POSSIBLY DISPUTED WITH THE CREDITOR PROVIDING THE INACCURATE ADDRESS. UNDER THE FCRA, INACCURATE AND UNVERIFIABLE ITEMS MUST BE DELETED WHEN THE CREDIT BUREAU HAS BEEN INFORMED OF THE INACCURACY. EXPERIAN HAS FAILED TO DO SO AND IS IN VIOLATION OF THE FCRA.

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 2025-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 2. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 3. Inquiry XXXX XXXX XX/XX/year> - Appears on report without written authorization 4. Inquiry XXXX XX/XX/year> - Appears on report without written authorization 5. Inquiry XXXX XXXX XXXX, XX/XX/year> - Appears on report without written authorization 6. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 7. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 8. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 9. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 10. Inquiry XXXX, XX/XX/year> - Appears on report without written authorization 11. Inquiry XXXX, XXXX - Appears on report without written authorization

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 2025-11-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
1. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 2. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 3. Inquiry XXXX XXXX XX/XX/year> - Appears on report without written authorization 4. Inquiry XXXX XX/XX/year> - Appears on report without written authorization 5. Inquiry XXXX XXXX XXXX, XX/XX/year> - Appears on report without written authorization 6. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 7. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 8. Inquiry XXXX XXXX XXXX XX/XX/year> - Appears on report without written authorization 9. Inquiry XXXX XXXX, XX/XX/year> - Appears on report without written authorization 10. Inquiry XXXX, XX/XX/year> - Appears on report without written authorization 11. Inquiry XXXX, XXXX - Appears on report without written authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence of the improper inquiries on my account. 

XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX XXXX CARD/ DATE : XX/XX/XXXX XXXX. XXXX / DATE : XX/XX/XXXXXXXX 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 2025-11-03 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # : XXXX, 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: WA

Complaint narrative:
I am reporting an instance of identity theft related to an auto loan allegedly opened with XXXX that later resulted in a repossession entry, and a related collection now being reported and pursued by FMA Alliance , Ltd . I did not open or authorize this account. At the time the account was allegedly opened, I did not yet have a Social Security number. I can provide an SSA letter confirming the SSN issuance date upon request. File Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALDOUS & ASSOCIATES PL ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Cease and Desist Request to Stop All Communication To Whom It May Concern : I am writing in reference to your attempts to collect an alleged debt, account number [ insert account number if available ]. I am formally requesting, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease all communication with me regarding this debt, except as permitted by law. 

Under the FDCPA, once this letter is received, you may only contact me to : Inform me that your collection efforts are being terminated, or Notify me that you intend to take a specific legal action, such as filing a lawsuit. 
Please note that any further contact by phone, mail, or electronic means beyond what is legally allowed will be considered harassment and a violation of federal law. I also request that you not contact my family members, employer, or any third parties regarding this matter. 

If you believe this debt is valid, you may provide written verification by mail only. Otherwise, I expect no further communication from your office. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want experian to add my address to my consumer report. I need both addresses reporting on my consumer report. I havent had a report update in almost 4 months and I healthcare.gov is unable to verify my identity which I blocking me from getting health insurance. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, LA XXXX XXXX type Multifamily

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several entries on my credit report that I believe to be inaccurate, incomplete, or not properly verified. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7800.00}. Despite my prior dispute, these entries continue to appear on my credit report, and I have not received any explanation, validation, or documentation from the credit bureau regarding their continued reporting. This constitutes a violation of the reinvestigation and accuracy provisions under FCRA 1681i and 1681e ( b ). Accurate reporting of all accounts is essential to ensuring fair evaluation of my creditworthiness. The continued presence of these potentially inaccurate or unverifiable accounts negatively impacts my credit profile, financial opportunities, and ability to obtain fair credit. If any of these accounts can not be fully verified using original documentation from the data furnishers, I respectfully request that they be removed from my credit report in accordance with federal 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 2025-11-03 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several entries on my credit report that I believe to be inaccurate, incomplete, or not properly verified. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7800.00}. Despite my prior dispute, these entries continue to appear on my credit report, and I have not received any explanation, validation, or documentation from the credit bureau regarding their continued reporting. This constitutes a violation of the reinvestigation and accuracy provisions under FCRA 1681i and 1681e ( b ). Accurate reporting of all accounts is essential to ensuring fair evaluation of my creditworthiness. The continued presence of these potentially inaccurate or unverifiable accounts negatively impacts my credit profile, financial opportunities, and ability to obtain fair credit. If any of these accounts can not be fully verified using original documentation from the data furnishers, I respectfully request that they be removed from my credit report in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
In the summer of 2025, I verbally disputed a debt that Credence Resource Management claimed I owed to XXXX. I told them that I disputed the debt and wanted to handle all communication by mail. I also requested proof that they were authorized to collect and validation of the alleged debt. 

On XX/XX/year>, I received a Dispute Investigation Response letter stating only, Charges left are for unpaid programming. XXXX is valid. On XX/XX/XXXX, I received another letter enclosing an account summary, which was not proof of any signed agreement or authorization to collect. 

On XX/XX/XXXX, I sent a certified dispute letter formally requesting full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). On XX/XX/XXXX, I received another form letter repeating, Charges are left for unpaid programming. On XX/XX/XXXX, XXXX sent a letter acknowledging my request and re-sent the same account summary. On XX/XX/XXXX, I sent a second certified letter. On XX/XX/XXXX, I sent a third letter and also disputed the account with all three credit bureaus. 

On XX/XX/XXXX, Credence sent a third investigation response, again enclosing copies of XXXX billing statements but still no signed contract or proof that they own or have the right to collect this debt. 

Despite my repeated written disputes, Credence has continued to report this debt to at least XXXX credit bureaus and marked it as dispute resolved. This is misleading because the debt has never been validated. Reporting a disputed and unvalidated debt as resolved violates FDCPA 1692e ( 8 ) and FCRA 1681s-2 ( b ). 

I also told XXXX to terminate my service before these charges occurred, so the amounts Credence is attempting to collect are unauthorized and not legally owed. 

I am requesting that this debt be removed from all credit reports and that XXXX cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am absolutely livid over the presence of false or undocumented information in my credit report. Unproven claims are completely unacceptable, violating the FCRA and metro 2 data field reporting standards. It is infuriating to face groundless accusations without factual evidence. I demand accurate reporting, compliant with the law. Provide physical, verifiable evidence for account existence and lawful usage. Remove baseless claims or face consequences. Mail physical documentation and an updated credit report. 
Your lack of accountability is enraging! False information in my credit report has ignited intense anger. Unsubstantiated claims insult my integrity. Comply with laws. Provide evidence. Remove baseless claims. Mail documentation and an updated credit report. 

CREDENCE RM - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} 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 2025-11-03 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report Experians continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, Experian has failed to remove or block the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c- 2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Experian with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report No. 
XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I'm being charged for a collection that I have no acknowledging and when I called ability they gave me a number to call and told me another collection company bought the debt and gave me a number to call which they gave me run arounds and gave me another number to call that was out of service I am unable to get information from the original debt collector and they're giving me to run around and I go to another debt collector they gave me a runaround and send me to another XXXX and gave me the numbers all the numbers no one picked up and I'm stuck with a XXXX and something dent on my credit report that I have no acknowledgment of I was incarcerated from XX/XX/XXXX and released on XX/XX/XXXX I did a XXXX and I'm trying to fix my credit and do the right thing I didn't have a freeze on it

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VT

Complaint narrative:
I bank with USAA Federal Savings Bank in XXXX XXXX Tx ( XXXX ). 2 fraudulent transactions came in on one of my two my accounts. I applied for a loan and was approved for {$8000.00} through XXXX XXXX. I gave them my routing and account number ( XXXX XXXXXXXX, Acct # XXXX ) to send the approved loan money to. My Checking account was the account that is restricted. 

On Fri XX/XX/XXXX, XXXX XXXX sent a {$2500.00} deposit to my account, then sent through a money gram for {$2400.00} debit to my account without my knowledge or permission. My bank considered this a suspicious transaction and immediately froze/ restricted my account until the deposit of {$2500.00} cleared. 

I was notified today XX/XX/XXXX that the deposit was no good ( which I suspected when I spoke with my bank on XX/XX/XXXX ). Now Im overdrawn $ XXXX. I went ahead and filed a dispute of the {$2400.00} debit transaction on Sunday XX/XX/XXXX. USAAs resolutions team said that the transaction sent through my account was totally legal on an investigation. 

In the meantime, my monthly Veterans benefits came in later that morning to the restricted account of {$4200.00}. Because of my account being restricted, I could not get to my va benefit.

USAA Federal Savings bank said they completed my investigation on Thursday XX/XX/XXXX and left the withdrawal on my account. The disputed complaint number is XXXX. 

I need your help immediately to contact USAA ( XXXX ) and have them transfer the incoming benefits to another account that is not restricted. The following information is what I need you all to use to contact USAA Federal Savings Bank and help me resolve the dispute. Do you have a document upload feature that I can use to upload pictures of the checks sent to my account from XXXX XXXX? I also have a copy of the loan contract for you to see. 

My contact information is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Primary phone is my cell XXXX, You can text me at that number as well. 
Email is ; 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 monetary relief
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am a victim of a data breach and identity theft. I did not authorize the accounts in question, and they were opened or used without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2, I am formally requesting that these fraudulent accounts be blocked and deleted from my credit file within 4 business days.

Please conduct an immediate investigation, notify the relevant creditors, and provide written confirmation once the accounts have been removed. I am attaching documentation to verify my identity and support this claim, including a copy of my government-issued ID, proof of address, and an identity theft affidavit or police report, if required. 

This request is being made pursuant to my rights under federal law to ensure the accuracy, fairness, and privacy of information contained in my credit report.

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