vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
XXXX Collector : Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Subject : Dispute of Alleged Debt Complaint : I am submitting this complaint regarding an alleged debt for an apartment lease at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I never lived in, signed a lease for, or took possession of. Hunter Warfield has been attempting to collect {$16000.00} related to this property. 
Timeline and Correspondence : XX/XX/year> : I sent a formal dispute letter requesting full verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested : A signed lease showing my legal obligation. 
Proof that I took possession of the apartment. 
An itemized statement showing how the alleged debt was calculated. 
Follow-Up Email : I requested acknowledgment of my dispute and requested that all communication remain in writing until verification was provided. 
Response from Hunter Warfield : They claimed they had previously provided validation of the debt and refused to provide additional verification. They did not provide any documentation proving that I signed a lease or took possession of the apartment, which is required to legally establish liability. 
Current Issue : I have never lived at the property. 
I have never signed a lease for the apartment. 
Hunter Warfields response is insufficient under federal law because it does not provide documentation proving my legal obligation to pay. 
Despite my dispute, they refuse to provide verification or cease collection activity. 
Resolution Requested : I request that Hunter Warfield cease all collection attempts on this alleged debt. 
I request confirmation from the CFPB that my complaint has been received and that appropriate action will be taken to ensure the debt collector complies with the FDCPA. 
If Hunter Warfield attempts to report this alleged debt to credit bureaus, I request that it be flagged as a disputed and inaccurate account. 
Attached to this complaint are : My original dispute letter ( XX/XX/year> ) My follow-up email Hunter Warfields response claiming validation Summary : This is an attempt by a debt collector to collect a debt that I do not owe, without providing sufficient verification required by law. I am requesting the CFPBs assistance to ensure compliance with the FDCPA and to prevent further illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
There was a {$21.00} charge to my Venmo for " XXXX '' in the middle of the night. I knew it was not legit so disputed it. 

Was told by Venmo that because I had bought from XXXX at some time in the past, they denied dispute. 

I went to XXXX and got a letter stating the charge was not legit and started a new dispute. I got the same denial. I told them they have stolen {$21.00} from me and they ignored me. 

I closed the account but I want my money back and I want them not to be able to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
Dear TransUnion Dispute Resolution Team : I am writing to formally dispute several items of inaccurate and incomplete information appearing on my consumer credit report regarding a XXXX XXXX XXXX XXXX account ( Account # ending in XXXX XXXX XXXX XXXX  starting with XXXX, described as a home improvement loan ). This account is reported differently and inconsistently when compared to how the same furnisher reports it to other consumer reporting agencies, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to sections requiring maximum possible accuracy ( 1681e ( b ) ) and complete reporting.

Specifically, the following entries are inaccurate or incomplete : High Balance reported as {$30000.00} ( materially inconsistent with reporting to other agencies showing {$0.00} ). 
Date of Last Activity and/or Last Verified as XX/XX/XXXX ( inconsistent with other agencies showing activity in XXXX ). 
Creditor Remarks stating " Charged off as bad debt. Dispute resolved, customer disagrees '' ( conflicting narrative compared to other agencies ). 
Last Payment Date as XX/XX/XXXX ( inconsistent with other reporting ). 
These discrepancies create a misleading and incomplete portrait of my credit history, as the same account from the same furnisher should be reported uniformly across all consumer reporting agencies. Such inconsistencies render the information unverifiable and violate your obligations to maintain reasonable procedures for maximum possible accuracy.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, MA XXXX Email : XXXX Companies Involved : XXXX  XXXX XXXX XXXX XXXX. 
Bank of America , N.A . 
XXXX Bank Product : Credit Reporting Issue : Incorrect information on credit report / Failure to investigate dispute COMPLAINT SUMMARY I am submitting this complaint regarding inaccurate and unverified negative information that continues to appear on my credit report despite my prior disputes. The credit bureau and the furnishers involved have failed to properly investigate and correct the errors, causing ongoing harm to my credit profile. 

DETAILED EXPLANATION After reviewing my credit report, I identified several charged-off accounts that are being reported with ongoing balances, misleading delinquency histories, and questionable accuracy. 

I previously disputed these accounts directly with the credit bureau and requested verification. However, the negative items remain on my report, and I have not received meaningful evidence showing that a proper investigation was conducted. 

The disputed accounts include : XXXX Bank of America credit card accounts reported as charged off XXXX XXXX Bank credit card account reported as charged off XXXX XXXX personal loan reported as charged off The issues with these accounts include : Balances continuing to be reported after charge-off without explanation Delinquency reporting that continues month after month after the accounts were charged off Account histories that appear inconsistent or excessive A loan balance that exceeds the original amount borrowed, without clarification The information being reported is misleading, incomplete, and has not been adequately verified. 

HARM CAUSED Because of this inaccurate reporting : My credit score has been negatively affected I have experienced difficulty obtaining credit on fair terms I continue to be harmed by information that has not been properly reviewed or corrected

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 2025-12-18 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-18 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My mortgage servicer is reporting a new XXXX late payment for XX/XX/XXXX ( XX/XX/XXXX ) on my mortgage account to XXXX, XXXX, and XXXX. This late-payment notation is inaccurate. 

I have made on-time mortgage payments since XXXX, and there has not been a pattern of delinquency on this account. The appearance of a new XXXX late for XX/XX/XXXX is inconsistent with my established payment history and is not supported by the information I have been provided. 

I have not received documentation showing that a valid XXXX delinquency occurred for XX/XX/XXXX, such as the contractual due date for that billing period, the applicable grace period, the date the payment was received, or the date it was posted to the account. Without this information, the late-payment reporting can not be confirmed as accurate. 

I submitted a written dispute to the mortgage servicer requesting a reasonable investigation into the XX/XX/XXXX late-payment coding and correction of the credit reporting if the late payment can not be substantiated. Despite this, the inaccurate late payment continues to appear on my consumer credit reports, causing ongoing harm. 

I am attaching copies of my credit report pages showing the disputed XX/XX/XXXX late payment and documentation reflecting my on-time payment history since 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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
An automobile loan furnished by Ally Financial is being reported with inaccurate and incomplete account information. 

The account was charged off in 2023 ; however, the full balance continues to be reported as past due, which is misleading after charge-off. In addition, the account lacks a complete and verifiable payment history leading up to the charge-off, and the date of first delinquency used for reporting purposes has not been clearly substantiated. 

I disputed this information with XXXX. Although Ally Financial verified the account, no supporting documentation was provided, such as a full payment ledger, signed contract, or internal account records demonstrating how the balance, delinquency timeline, and charge-off were determined. 

I am requesting that Ally Financial conduct a reasonable investigation and either substantiate the accuracy and completeness of the reporting with documentation or correct or delete any information that can not be fully verified, as required by the Fair Credit Reporting Act ( 15 U.S.C. 623 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-18 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
2020 during covid XXXX XXXX XXXX XXXX like others had no revenue due to being shut down etc. The company worked out or contacted our credit companies we owed. The companies that were hard core we gave to our XXXX XXXX of MT XXXX to get details etc. Almost all settled or provided the information requested by XXXX XXXX. 
JPMCB would never address this issue and closed the account in XX/XX/year> but continue to show on my personal credit ( adding interest every month even though they closed the account ) almost 6 years ago. 
in XXXX I found this was still listed under closed accounts. I disputed at XXXX XXXX, XXXX XXXX XXXX. I requested PROOF of signature and personal guarantee by me. 
XXXX XXXX found in my favor BUT XXXX XXXX XXXX stated no change as JPMCB had certified the information was correct but did not provide any document to prove anything...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : I am submitting a dispute regarding certain items listed on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate the following items for accuracy and remove or correct any information that is inaccurate, incomplete, or unverifiable. 

Charged-Off Accounts The following charged-off accounts are being reported on my Experian credit report, and I dispute their accuracy : XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXXXXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX  XXXX Account number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$210.00} XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  XXXX Account number : XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my Experian credit report, and I dispute their validity. I request verification of permissible purpose for these inquiries, or immediate removal : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-18 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: NC

Complaint narrative:
Please assess the attached materials ; the questions appeared without notice and could be unauthorized.

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 2025-12-18 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX, Date : XX/XX/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