vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2. A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as Perry v. Stewart Title Co. , 756 F.2d 1197 ( 5th Cir. 1985 ).

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. United Pac. Ins. Co., 20 F.3d 1070 ( 10th Cir. 1994 ).

Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in Carpenter v. Longan , 83 U.S. 271 ( 1872 ), which supports the principle that the note and security instrument can not be separated.

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

CREDENCE RESOURCE MANAGEMENT , LLC Original Creditor : XXXX XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: NM

Complaint narrative:
See prior complaints and quick close by company. They never sent required documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
This letter is a formal notice regarding the inaccurate and unauthorized reporting of a collection account by XXXX XXXX XXXX on my TransUnion and Experian consumer report. 



I did not authorize, permit, or provide consent for TransUnion or Experian to furnish, share, or report this alleged account. Under 15 U.S. Code 1681a, a consumer report may only contain information furnished for lawful purposes. Furthermore, 15 U.S. Code 1681b clearly limits the permissible purposes under which a consumer reporting agency may furnish such information. Reporting this account without my authorization is not a permissible purpose and therefore constitutes a violation of federal law.

Additionally, under 15 U.S. Code 1681i, TransUnion and Experian are required to conduct a reasonable reinvestigation of any disputed item and delete any information found to be inaccurate or unverifiable within 30 days of receipt of this dispute.

If TransUnion or Experian fails to remove this inaccurate collection within the required timeframe, it will be considered willful noncompliance under 15 U.S. Code 1681n, subjecting TransUnion to statutory damages, punitive damages, and attorneys fees. Even negligent noncompliance, under 15 U.S. Code 1681o, entitles me to actual damages, costs, and attorneys fees.

Failure to comply within 30 days will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and, if necessary, the initiation of civil action against TransUnion for damages as provided under the Fair Credit Reporting Act.

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 2025-08-26 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: NY

Complaint narrative:
I am writing to dispute several hard inquiries listed on my Equifax, Experian credit report that I did not authorize or initiate. Under the Fair Credit Reporting Act ( FCRA ) XXXX, credit inquiries must be made only with a permissible purpose and with the consumers knowledge or consent. After reviewing my report, I found the following inquiries, which I do not recognize and did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 Section 602A. Startes I have the rights to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also startes a consumer reporting agency can not fumish a accounts without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section Startes : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. 

Dete the accounts below. 

XXXX XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX  XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX XXXX XXXX XXXX - ( 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
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern, RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : Creditor/Servicer : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Creditor/Servicer : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The payment in question was made on time and must not be reported as late. Under 15 U.S.

Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by XXXX XXXX. on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. 
If this issue is not resolved within 30 days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In 2022, during the height of my financial struggles brought on by the COVID-19 crisis, I fell behind on my account with XXXX XXXX XXXX Instead of receiving understanding or support during an already devastating time, I was subjected to constant harassment and aggressive collection tactics. Rather than working with me through this hardship, XXXX XXXX actions only worsened my situation and created unnecessary stress when I was already struggling to recover. 

This experience not only damaged my financial stability but also my trust in an institution I expected to provide support and fairness. I have still not fully recovered from the financial crisis, and the treatment I received made my situation significantly worse. I am requesting that this matter be thoroughly reviewed, as consumers should not be harassed or mistreated during times of crisis, especially when they are doing their best to regain stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
* * * THIS IS A COMPANION COMPLAINT/ADDENDUM TO EXISTING CFPB COMPLAINT XXXXXXXX XXXX XXXX XXXX  Status of existing Complaint # XXXX : Bank of America has asked for additional time beyond the initial 15-day response period.

This new complaint/addendum to existing complaint is based on Bank of America 's actions during the additional time it requested beyond the initial XXXX period. 

I am filing a complaint regarding Bank of Americas denial of my fraud claim. Unauthorized charges were made on my credit card ( ending in XXXX ) which I immediately disputed. Despite my consistent position that these charges were fraudulent, Bank of America denied my claim and my appeal. All requests for information were summarily ignored by Bank of America. 

While my fraud dispute was pending, Bank of America increased my credit limit on the very same account ( NOTE : although the credit card number was changed when I first reported the fraudulent activity ( the replacement number ends in XXXX ), it is the same account, viz. : it has the same account opening date ( XXXX ), cardholder information, it's the account to which my XXXX account charges was transferred when I first reported the fraudulent activity ). This is contradictory and raises serious concerns about the fairness of their investigation. If the bank truly believed I was responsible for the disputed charges, raising my credit limit would have been reckless and inconsistent with safe lending practices. If instead they considered me trustworthy enough to warrant more credit, then denying my fraud claim reflects bad faith and outcome-driven decision-making rather than a fair investigation.

The Fair Credit Billing Act ( FCBA ) requires a reasonable and good-faith investigation of fraud disputes. Bank of Americas actions undermine confidence that any such investigation occurred. Increasing my credit line during an unresolved fraud dispute also creates a misleading appearance of account legitimacy, which may constitute an unfair or deceptive act or practice ( UDAP ). I request that the CFPB require Bank of A
merica to ( 1 ) reverse the denial of my fraud claim detailed and discussed more thoroughly in pending CFPB Complaint # XXXX, ( XXXX ) provide documentation of the investigation, and ( XXXX ) ensure that consumers are not subjected to contradictory or deceptive practices during the fraud dispute process.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
THERE ARE STILL MULTIPLE INACCURACIES BEING REPORTED BY THESE XXXX AGENCIES THAT ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. THESE INACCURACIES HAVE YET TO BE UPDATED OR DELETED FROM MY CREDIT REPORT AS AGENCIES HAVE STATED THE ACCOUNTS ARE VERIFIED. I AM NOW DEMANDING THESE ACCOUNTS BE DELETED AS THESE AGENCIES HAVE FAILED TO REPORT THESE ACCOUNTS FAIRLY AND ACCURATELY BY 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THERE ARE STILL MULTIPLE INACCURACIES BEING REPORTED BY THESE XXXX AGENCIES THAT ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. THESE INACCURACIES HAVE YET TO BE UPDATED OR DELETED FROM MY CREDIT REPORT AS AGENCIES HAVE STATED THE ACCOUNTS ARE VERIFIED. I AM NOW DEMANDING THESE ACCOUNTS BE DELETED AS THESE AGENCIES HAVE FAILED TO REPORT THESE ACCOUNTS FAIRLY AND ACCURATELY BY 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Apple Card/GS Bank is furnishing provably inaccurate, re-aged, and non-compliant credit data to XXXX. After I disputed, they verified the tradeline, yet XXXX  now displays an impossible Date reported : XX/XX/XXXX and continues showing derogatory activity years after charge-off. This violates the FCRA and XXXX XXXX XXXX and is harming my credit. 

I am disputing the Apple Card/Goldman Sachs Bank USA  tradeline ( Acct ending : XXXX ). On XX/XX/XXXX, XXXX  posted Date reported : XX/XX/XXXX with Account Charged Off and {$4400.00} past due ( screenshot attached ). Apple/GS previously verified the tradeline to XXXX, yet the data being furnished is facially impossible and internally inconsistent across bureaus. 
FCRA violations by the furnisher ( GS Bank ) : 623 ( a ) ( 1 ) ( A ) : Furnishing information known or that should be known to be inaccurate ( e.g., XX/XX/XXXX Date reported ; continuing late-stage delinquency years after charge-off ). 
623 ( a ) ( 2 ) : Failure to correct/update incomplete or inaccurate information.

623 ( a ) ( 5 ) & 605 ( c ) : Must furnish the Date of First Delinquency ( DOFD ) that anchors the XXXX reporting window ; advancing fresh XXXX codes after charge-off is re-aging. 
623 ( b ) : After dispute, must reasonably investigate and delete or modify items that are inaccurate, incomplete, or can not be verified, and notify all CRAs. 
XXXX XXXX XXXX XXXX defects ( Furnishers data set ) : Field XXXX Date of Account Information : XXXX  shows XX/XX/XXXX ( XXXX/placeholder ), not a real update date ( XXXX  ). 
Field XXXX FCRA Compliance/DOFD : Not applied consistently ; reporting suggests post charge-off delinquency that defeats DOFD anchoring ( re-aging ). 
Field XXXX Account Status / XXXX Payment Rating and Field XXXX Payment History Profile : Charge-off status is incompatible with new late progression years later. 
Field XXXX Current Balance / XXXX Amount Past Due / XXXX Original Charge-Off Amount : Mixture of charge-off with rolling past due misleads users. 
Field XXXX Date of Last Payment : Conflicts appear across bureaus ( XXXX  panels show different last-payment dates ). 
XXXX XXXX Compliance Condition Code : During dispute the furnisher must send XXXX  ( consumer disputesinvestigation in process ). 
Harm : My scores and creditworthiness are being depressed by a tradeline that is obsolete if dates were accurate and illegally re-aged otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX opened a Discover credit card account in my name without my consent nor authorization. Doing so is a felony in Pennsylvania which is the state she resided in at the time of illegaly opening the Discover credit card account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I disputed an account with TransUnion because the information reported is inaccurate and can not be verified. I requested its deletion if TransUnion was unable to confirm its accuracy. To this date, the account remains on my report, which indicates my dispute was not properly resolved under the Fair Credit Reporting Act.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my XXXX XXXX Bank account ( opened XXXX, settled XX/XX/XXXX with {$0.00} balance ). I have already disputed directly with all three credit bureaus. Attached is my Equifax dispute result letter as proof. The issues remain : Experian continues to report monthly Charge-Off notations for over three years, then marks one XXXX  in XXXX  XXXX A charge-off is a one-time event, not recurring. This misrepresents my history and makes it appear I was delinquent until settlement, which is false. 

Equifax verified my dispute but still shows monthly COs in its payment grid despite the account being closed/paid in settlement. This directly contradicts its own status line and is misleading. 

TransUnion shows the account as Paid/Settled but provides no payment history at all, which is incomplete compared to the others. 

The same account is being reported three different ways, none of which is accurate. Dates of last activity/payment also differ across bureaus, which can not all be correct. These inaccuracies and inconsistencies violate the FCRA. Since disputes did not correct them, I request this account be removed completely from all three credit bureaus, if it can not be corrected immediately.

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 2025-08-26 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my XXXX XXXX Bank account ( opened XXXX, settled XX/XX/XXXX with {$0.00} balance ). I have already disputed directly with all three credit bureaus. Attached is my Equifax dispute result letter as proof. The issues remain : Experian continues to report monthly Charge-Off notations for over three years, then marks one XXXX  in XXXX  XXXX A charge-off is a one-time event, not recurring. This misrepresents my history and makes it appear I was delinquent until settlement, which is false. 

Equifax verified my dispute but still shows monthly COs in its payment grid despite the account being closed/paid in settlement. This directly contradicts its own status line and is misleading. 

TransUnion shows the account as Paid/Settled but provides no payment history at all, which is incomplete compared to the others. 

The same account is being reported three different ways, none of which is accurate. Dates of last activity/payment also differ across bureaus, which can not all be correct. These inaccuracies and inconsistencies violate the FCRA. Since disputes did not correct them, I request this account be removed completely from all three credit bureaus, if it can not be corrected immediately.

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