vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-05 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: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: CA

Complaint narrative:
I booked a hotel for five days using the XXXX app. It is a personal line of credit where you make payments every two weeks I was charged over {$600.00} for a motel state and when we were arriving there my bag and everything else was stolen out of the lobby. I called and made a police report so the hotel said they are canceling my stay there which caused more of an issue. I have disputed this at least a dozen times and still the same response that I am responsible for still paying the {$660.00} which I have been making payments on and I feel I need a refund as soon as possible this happened on XX/XX/year> and Im still having issues with it, which is affecting my credit and also giving me a financial hardship because they are wanting money that they added interest to which I never got to stay at the hotel

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AL

Complaint narrative:
My personal information has been exposed in multiple major breaches, including XXXX and XXXX XXXX, as well as additional breaches where my SSN and DOB appeared on the dark web. In 2022, I was also the victim of a home burglary where personal items were taken. Since then, I have experienced identity theft involving fraudulent accounts, unauthorized inquiries, and corrupted personal information on my Experian credit report. Some debts are even reported twice by both the creditor and a collection agency. 

My Experian file also contains many incorrect names, outdated addresses, and other identifiers I never used. I mailed a written dispute, but no response was received within 30 days. I also could not access my online portal to check the status due to repeated system issues. For these reasons, I am escalating through the CFPB and submitting my FTC Identity Theft Report. 

My dispute letter, license, burglary police report, FTC ID theft report, and proof of address is attached.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX-related collection accounts being reported by XXXX XXXX XXXX and Credence Resource Management XXXX 
These accounts appear to be duplicate collections for the same XXXX XXXX XXXX service account. I have never authorized either collector to report this account, and they have failed to provide verification or validation.I request that CFPB investigate these reporting practices and require deletion of inaccurate, duplicative, or unverifiable accounts under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX is furnishing inaccurate and misleading information to the credit bureaus regarding a closed account. The account was closed several years ago. I made a one-time payment on XX/XX/year> to satisfy the balance. Instead of updating the account correctly, XXXX reported : A new Last Payment Date, A new Date Updated, A status of Paid Charge-Off, Activity that falsely appears to be recent negative information. 

This is materially misleading because the account was already closed, and the payment does not restart delinquency timelines or authorize new derogatory dates. 

XXXX XXXX XXXX furnished information that violates : FCRA 623 ( a ) ( 1 ) ( A ) reporting information known or should be known to be inaccurate.

FCRA 607 ( b ) maximum possible accuracy requirement. 

CFPB guidance prohibiting re-aging or updating closed accounts in a misleading manner. 

Metro-2 standards, which prohibit adding new status dates or creating the appearance of new derogatory activity on a closed charge-off. 

The bureaus are now reporting this account as if negative activity occurred recently, which is false and damaging to my credit. 

Harm Suffered : Because of XXXX inaccurate reporting : My score dropped Lenders believe I have new derogatory activity The account appears fresher and more serious than it actually is My creditworthiness is negatively affected This reporting is misleading and materially 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX is reporting XXXX different and conflicting versions of the same {$400.00} collection. Experian reports the account as Collection account. {$400.00} past due with ongoing monthly updates, meaning the account is being treated as active. At the same time, TransUnion reports the exact same account as Closed, meaning it is not active and not updating. A single debt can not be both open and closed, and this contradiction violates the Fair Credit Reporting Act accuracy and verification provisions. The account is inherently inaccurate and unverifiable.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
What happened : On XX/XX/year>, my customer made a payment of {$11000.00} to my account. Chase Bank immediately placed a hold on the funds and has kept the money for several days without any clear explanation or resolution.

During this period, Chase repeatedly asked me for excessive and unreasonable documentation, including : My customers emails Message conversations Invoice copies Website information Details about my business I provided all requested documents, yet the funds were still not released. 

Finally, on XX/XX/year>, Chase released only {$9000.00} into my account almost {$2000.00} less than the original amount. Only a {$380.00} credit card fee should have been deducted, yet Chase withheld nearly {$2000.00} from my account without explanation.

This situation has caused : Loss of trust with my customer Delay in installation : Customer requested XX/XX/XXXX installation, but I had to postpone by at least 10 days Delay in other payments and problems with suppliers Stress and financial pressure Damage to my business reputation Negative impact on my business growth plans Bank actions made me feel disrespected and belittled I believe Chases actions are unfair, unreasonable, and harmful to small businesses.

I am requesting : A full explanation for the missing funds Immediate release of the remaining balance Review and correction of Chases wrongful hold process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AL

Complaint narrative:
[ PROOF IF IDENTITY, POLICE REPORT, AND SUPPORTING DOCS ATTACHED ] My personal information has been compromised multiple times over the past several years, including major data breaches such as XXXX and XXXX XXXX, along with other breaches where my SSN and DOB were later found on the dark web. In 2022, my home was also burglarized and personal items were taken, which increased my vulnerability to identity theft. 

Since these events, fraudulent accounts, unauthorized inquiries, and incorrect personal identifiers appeared on my Equifax credit report. Some accounts are even double-reported by both the creditor and a collection agency. My report also shows numerous name variations and former addresses I have never used. 

I mailed a written dispute with supporting documents, but I received no response within 30 days. I also experienced issues accessing my online portal, preventing me from checking the status of my dispute. For these reasons, I am filing this complaint through the CFPB. I have submitted an FTC Identity Theft Report identifying all disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing in response to your communication dated XX/XX/2022 regarding the referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this debt. 

Please consider this letter a formal request for the following documentation and information, which is necessary to verify the legitimacy and legal enforceability of this debt : Original Documentation : Provide a copy of the original agreement, contract, or application that established the debt, signed by me or otherwise legally binding. 

Verification Method and Procedure : Provide a detailed explanation of the method and procedure you used to verify both the accuracy of the debt amount and my liability for it, as required under 15 U.S.C. 1692g. 

Valid Chain of Assignment : Provide a complete and unbroken chain of assignment documenting the transfer of ownership of this debt from the original creditor to your agency. This should include each successive assignee and demonstrate your legal right to collect. 

Until you provide this information, I consider this debt disputed in its entirety. Furthermore, please cease all collection activities and communication, except as required by law to confirm receipt of this letter or to provide the requested validation. 

I also request that you forward a copy of this dispute to the original creditor and any other relevant entities to ensure they are aware this debt is formally disputed. 

Your failure to provide this validation within 30 days of your receipt of this letter will be considered an admission that the debt is not valid and that you lack standing to collect. I also expect all references to this account to be deleted from my credit reports if the debt can not be validated. 

Please send all correspondence regarding this matter to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint because COMENITYCAPITALXXXX continues to report a fraudulent account on my credit reports and has failed to comply with the Fair Credit Reporting Act. I previously disputed this account on XX/XX/year>, and submitted a complete FTC Identity Theft Report, identity documents, and supporting evidence. COMENITYCAPITALXXXX received XXXX dispute notices, including a second notice on XX/XX/year>, yet has taken no action to conduct a lawful reinvestigation as required under 15 U.S.C. 1681s-2 ( b ). They have not provided any verification, documentation, signed contract, or proof that I ever opened or authorized the account ending in XXXX. Despite having no lawful basis to continue reporting this information, COMENITYCAPITAL/XXXX still furnishes it to the credit bureaus, damaging my credit profile and violating 1681i ( a ) ( 1 ), 1681i ( a ) ( 5 ), 1681n, and 1681o COMENITYCAPITAL/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple inaccurate, inconsistent, and unverified items that are damaging my creditworthiness and violating my rights under the FCRA, including 611, 623 ( a ) ( 2 ), 623 ( b ), 604 ( a ), and 605 ( a ). Experian is reporting incorrect addresses, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, along with an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I never approved, which raises concerns regarding permissible purpose under 604 ( a ). Equifax is listing addresses I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX also reporting accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that show conflicting dates of last activity, outdated information, and potentially inaccurate DOFDs in violation of 623 ( a ) ( 5 ) and 605 ( a ). TransUnion is reporting incorrect addresses such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a collection account from XXXX XXXX for the original creditor XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) with inconsistent dates, unclear balance validation, and potential violations under FDCPA 807, 808, and 809 due to lack of proper validation and misleading reporting. These errors across all three bureaus have created a false financial profile that misrepresents my identity and obligations, and despite my disputes, the information continues to appear without proper verification, violating their obligations to ensure accuracy under 607 ( b ). I am requesting the CFPB to review these discrepancies and hold Experian, Equifax, TransUnion, and the involved furnishers accountable for failing to delete inaccurate information as required under 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 2025-12-05 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple inaccurate, inconsistent, and unverified items that are damaging my creditworthiness and violating my rights under the FCRA, including 611, 623 ( a ) ( 2 ), 623 ( b ), 604 ( a ), and 605 ( a ). Experian is reporting incorrect addresses, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, along with an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I never approved, which raises concerns regarding permissible purpose under 604 ( a ). Equifax is listing addresses I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX also reporting accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that show conflicting dates of last activity, outdated information, and potentially inaccurate DOFDs in violation of 623 ( a ) ( 5 ) and 605 ( a ). TransUnion is reporting incorrect addresses such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a collection account from XXXX XXXX for the original creditor XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) with inconsistent dates, unclear balance validation, and potential violations under FDCPA 807, 808, and 809 due to lack of proper validation and misleading reporting. These errors across all three bureaus have created a false financial profile that misrepresents my identity and obligations, and despite my disputes, the information continues to appear without proper verification, violating their obligations to ensure accuracy under 607 ( b ). I am requesting the CFPB to review these discrepancies and hold Experian, Equifax, TransUnion, and the involved furnishers accountable for failing to delete inaccurate information as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a complaint as my fifth official request for the removal of inaccurate, unverifiable, and unauthorized items that continue to appear on my credit reports despite my previous disputes. It is unacceptable that these items remain on my file, creating a false and misleading representation of my creditworthiness and causing ongoing harm to my financial reputation. 
Upon reviewing my Equifax report, I again discovered that Bank XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported as a charge-off with a balance of {$1600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], each credit reporting agency has an obligation to ensure the maximum possible accuracy of the information it reports. This account has never had a XXXX issued or provided, despite the balance exceeding {$600.00}, which makes the reporting of this charge-off unverifiable and legally impermissible. I have previously disputed this item, yet it remains, and I am therefore demanding its immediate removal from my Equifax file. 
In addition, I have observed multiple unauthorized hard inquiries still appearing on my Experian report. These inquiries include XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). I have never applied for credit with these entities on the dates listed, nor did I provide consent for any of these inquiries. The continued reporting of these inquiries is a direct violation of FCRA 619 ( 15 U.S.C. 1681q ), which prohibits obtaining a consumer report under false pretenses, and FCRA 604 ( a ) & 604 ( f ) ( 15 U.S.C. 1681b ( a ), ( f ) ), which restricts access to my consumer report to only entities with a permissible purpose. Despite my prior disputes, these inquiries remain on my report, and this letter constitutes my third and final removal request, specifically including the XXXX XXXX inquiry.

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