vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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:
XXXX is reporting a 30-day late payment for XX/XX/year> on my account ( Account Number : XXXX XXXX XXXX XXXX  ), but I have not been provided with any certified documentation showing that my payment was actually more than 30 days past due. The account is currently open and in good standing, and I have continued to make payments in good faith. 

I contacted the company and requested verification of the alleged delinquency, including the billing date, due date, and the date the payment was received and applied. To date, no documentation has been provided to support this late payment notation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers are required to report only accurate and verifiable information. Since no verifiable proof has been provided to support the reported 30-day delinquency, I dispute the accuracy of this late payment entry as potentially incorrect or unsubstantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of an alleged debt. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 



Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 
Verification that you are licensed to collect debts in my state, including your license number and issuing authority. 
Copies of any documents bearing my signature that show I agreed to assume this debt. 
Proof that you have the legal right to collect this debt ( e.g., a copy of the assignment or purchase agreement ). 




Until you provide this documentation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. If you have already reported it, please inform them that the debt is disputed. 



Please be advised that I am keeping records of all correspondence regarding this matter. Failure to comply with this request will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. 



I request that all future communications be in writing. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
XXXX XXXX XXXX is willfully furnishing and perpetuating false credit data for an account that was settled in full years ago with XXXX XXXX XXXX XXXX Relevant facts and dates : Last payment on account : XX/XX/XXXX ( per furnisher reporting ). 
Account was charged off/ written off in the amount of {$2100.00} ( reported as written-off in XX/XX/XXXX on consumer report ). 
I settled the account in full with XXXX XXXX XXXX years ago ( documentation available ). 
Despite settlement, XXXX XXXX XXXX continues to report the tradeline as a charge-off / transferred / written-off account and has provided updated reporting as recently as XXXX ( showing new reporting activity ), which is objectively false. 
Actions taken by me : I provided documentation proving the account was settled in full and requested correction via bureau disputes. 
I filed disputes with the credit bureaus ( TransUnion, Equifax, Experian ) and included screenshots and settlement proof. 
I filed a CFPB complaint after furnisher/bureaus failed to correct or delete the inaccurate tradeline. 
Why this is unlawful and harmful : XXXX XXXX XXXX continued reporting of an unsettled/charged-off status after full settlement violates multiple provisions of the Fair Credit Reporting Act, including 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), 623 ( a ) ( 2 ) ( failure to correct or update information after notice ), 607 ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ), and 605 ( c ) ( misrepresenting the reporting period ).

Continuing to report a charged-off balance and updated 2025 activity after full settlement is effectively re-aging the account and unlawfully extending the negative reporting period. This materially harms my creditworthiness, ability to obtain credit, and causes economic injury.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit of {$2400.00} at the BOA branch located at XXXX XXXX XXXX. XXXX, CA XXXX. The money got stuck and got an error message on the ATM screen, and I took a screenshot. 
On XXXX XXXX, I visited the BOA branch and reported my concern to the manager. i was provided ATM ID XXXX and phone no XXXX to call for a dispute. Since then, now it is almost 3 months the dispute resolution agency has denied me of any transaction that they owe me.

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 2025-10-26 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:
XXXX is reporting a charged-off account ( Account Number : XXXX XXXX XXXX XXXX  ), but I have not received any certified documentation verifying the validity, ownership, or accurate delinquency timeline of this alleged charge-off. The company reports this account as a loss/charge-off, yet no proof has been provided to demonstrate that the debt was validly assigned, properly calculated, or confirmed through certified billing records. 

There are inconsistencies in reporting across the credit bureaus regarding the last payment date and the reason for account closure. Some bureaus list it as Charged off as bad debt, while others state it was Closed due to inactivity or Accounts closed by credit grantor. These discrepancies raise serious concerns about the accuracy and completeness of the furnished data.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only verified and complete information. If the account was transferred or reassigned, proper validation must be provided in compliance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Since no verifiable documentation has been provided to support the legitimacy, ownership, or accuracy of this charge-off, I am disputing this derogatory entry as potentially unverifiable and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint about an inaccurate and unauthorized account being reported by XXXX XXXX XXXX  XXXX XXXX ) on my Equifax credit file. 

I did not authorize this account nor XXXX XXXX XXXX permission to report under my personal consumer profile. This reporting constitutes a violation of FCRA 605B ( Fraudulent Accounts ). Equifax has failed to remove the account despite my previous identity theft report submission and supporting documentation, including my FTC Report ( XX/XX/year> ). 

I have requested deletion several times through proper dispute channels, but Equifax has not complied with FCRA 611 ( a ) ( 1 ) ( A ), which requires deletion or correction of unverifiable or inaccurate information within the statutory timeframe. 

The continued reporting of this unauthorized account is materially inaccurate, unverifiable, and damaging to my credit profile and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: TX

Complaint narrative:
XXXX XXXX XXXX, the servicer of the XXXX Credit Card ( issued by The XXXX XXXX XXXX  ), has allowed the continued furnishing and verification of false, incomplete, and unverified information regarding a closed XXXX Credit Card account. This tradeline is now being reported through XXXX XXXX XXXX, despite XXXX never having provided a direct, documented assignment to XXXX XXXX or any lawful basis for continued furnishing. 

Upon receipt of XXXXXXXX XXXX XXXXXXXX assignment documentation, it became immediately clear that XXXX XXXX XXXX never executed or delivered a proper transfer of ownership. The documents provided merely list the XXXX account within a Schedule A Portfolio Transfer between XXXX XXXX XXXX  entities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX a transfer that took place after XXXX servicing relationship ended. No original bill of sale, assignment agreement, or contract showing a valid sale from XXXX XXXX XXXX to XXXX XXXX XXXX was provided. 

XXXX therefore failed to comply with the following federal laws : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate ; 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681s-2 ( b ) failure to conduct a reasonable reinvestigation upon notice of dispute ; and 15 U.S.C. 1692g ( b ) allowing continued collection activity without proper debt validation. 

In addition, XXXX XXXX XXXX and its affiliated entities failed to issue a Form XXXX for the Milestone account, despite the fact that the account was closed, sold, or otherwise charged off. This omission violates IRS reporting obligations and further evidences that no verifiable debt remains. 

The account has been re-aged and misreported across multiple consumer reporting agencies. While XXXX  and XXXX  show differing Date of Last Activity entries, none are consistent with the true closure date, unlawfully extending the reporting period beyond the seven-year limitation under 15 U.S.C. 1681c ( a ) ( 4 ). 

Multiple disputes have been filed with both XXXX and XXXX XXXX XXXX. Both have failed to provide proper validation or legal documentation showing the chain of title. Continued furnishing and verification under these circumstances constitutes willful noncompliance, reputational harm, and an ongoing violation of federal consumer protection law. 

I request that the CFPB publish this description so others can be informed of XXXX XXXX XXXX continued pattern of inaccurate credit reporting and unsubstantiated verification. I consent to publication after removal of personal identifiers.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX, the servicer of the XXXX Credit Card ( issued by The XXXX XXXX XXXX  ), has allowed the continued furnishing and verification of false, incomplete, and unverified information regarding a closed XXXX Credit Card account. This tradeline is now being reported through XXXX XXXX XXXX, despite XXXX never having provided a direct, documented assignment to XXXX XXXX or any lawful basis for continued furnishing. 

Upon receipt of XXXXXXXX XXXX XXXXXXXX assignment documentation, it became immediately clear that XXXX XXXX XXXX never executed or delivered a proper transfer of ownership. The documents provided merely list the XXXX account within a Schedule A Portfolio Transfer between XXXXXXXX XXXX XXXX entities XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX a transfer that took place after XXXX servicing relationship ended. No original bill of sale, assignment agreement, or contract showing a valid sale from XXXX XXXX XXXX to XXXX XXXX XXXX was provided. 

XXXX therefore failed to comply with the following federal laws : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate ; 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681s-2 ( b ) failure to conduct a reasonable reinvestigation upon notice of dispute ; and 15 U.S.C. 1692g ( b ) allowing continued collection activity without proper debt validation. 

In addition, XXXX XXXX XXXX and its affiliated entities failed to issue a Form XXXX for the Milestone account, despite the fact that the account was closed, sold, or otherwise charged off. This omission violates IRS reporting obligations and further evidences that no verifiable debt remains. 

The account has been re-aged and misreported across multiple consumer reporting agencies. While Experian and Equifax show differing Date of Last Activity entries, none are consistent with the true closure date, unlawfully extending the reporting period beyond the seven-year limitation under 15 U.S.C. 1681c ( a ) ( 4 ). 

Multiple disputes have been filed with both XXXX and XXXX XXXX XXXX. Both have failed to provide proper validation or legal documentation showing the chain of title. Continued furnishing and verification under these circumstances constitutes willful noncompliance, reputational harm, and an ongoing violation of federal consumer protection law. 

I request that the CFPB publish this description so others can be informed of XXXX XXXX XXXX continued pattern of inaccurate credit reporting and unsubstantiated verification. I consent to publication after removal of personal identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
At this time I need a copy of my credit report from each credit reporting agency, Experian, Equifax and Trans Union respectively. My attempts by phone did not work out. 

Thank you.

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 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am currently paying a wage Garnishment through the court system. This law office is constantly calling my HR department at my employment. And also this is the second time Iam paying and no one will listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The collection accounts reported by XXXX XXXX XXXX appear on my credit report without full validation or proof of ownership of the debt. This violates : 15 U.S.C. 1692g ( b ) Debt collectors must cease collection until debt validation is provided. No such validation has been presented.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information to credit reporting agencies.

15 U.S.C. 1681i ( a ) Consumers have the right to dispute and demand reinvestigation of inaccurate or unverifiable information.

15 U.S.C. 1681b Credit reporting agencies must ensure permissible purpose before furnishing credit reports. 

These accounts continue to appear on my report despite my prior requests for validation. Reporting or re-reporting unverifiable debts constitutes a violation of federal law and consumer rights.

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 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My credit card account with Synchrony Bank was closed without notice or justification on XX/XX/year>. I have never missed or been late on any payment. The account was in good standing, and I used it responsibly. 

This sudden closure has negatively impacted my credit utilization ratio and, as a result, my credit score. Synchrony did not provide any advance warning or opportunity to keep the account open. I am requesting that the CFPB review this matter to determine whether Synchrony Banks account closure policies are unfair or harmful to consumers with good payment histories.

I would like Synchrony to reinstate my account or, at minimum, report it as closed at consumers request instead of closed by creditor, to prevent damage to 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
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been unauthorized access to my credit report by several companies, which has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that promise has not been fulfilled, and these inquiries remain on my report. This continued inaction is completely unacceptable. 

The presence of these unauthorized and potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft. This unresolved issue is causing ongoing XXXX XXXX  and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was scammed out of {$180.00} from my Chime account. The scammer contacted me pretending to be a legitimate company and convinced me to authorize the payment over a recorded phone call. While I verbally said Yes, this authorization was obtained under false pretenses, as the participant misrepresented themselves and the transaction. 

Chime investigated my dispute and denied it, stating the transaction was processed through XXXX. However, this payment was the result of a fraudulent scheme, not a legitimate transaction, and I did not knowingly or willingly authorize a payment to a real merchant. 

I am submitting a recording of the scam call as evidence, which clearly demonstrates that the payment was obtained through deception. I respectfully request that Chime reverse the {$180.00} charge and credit my account. 

Desired Outcome : Refund the {$180.00} fraudulent transaction. 
Correct my account balance to remove this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because the credit bureau continues to report an incorrect 30-day late payment on my XXXX XXXX XXXX XXXX  account, even though the account has been paid in full and closed.

I previously disputed this with the credit bureau, and they responded with vague statements such as updated or verified, but never provided any documentation or proof showing how they confirmed that a 30-day late payment actually occurred.

This response is not compliant with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires a full and reasonable reinvestigationnot an automated update without evidence.

I am requesting that the 30-day late payment be immediately corrected or deleted, since the account is already paid and there is no legitimate reason to continue reporting a delinquency. 

I do not want evasive responses or generic status updates. The law is very clear : if the information can not be verified with actual documentation, it must be deleted. This issue should not become a long dispute process, as it is unjust for consumers to suffer credit damage from inaccurate and unverified reporting. 

I expect the bureau to comply with the FCRA and correct this inaccuracy promptly and permanently.

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