vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management for attempting to collect and report a debt that is factually invalid. The collection is based on a fundamental error, as the original creditor, XXXX XXXX, continued to service my account and generate new bills after the alleged delinquency, proving the account was never charged off or sold. 

XXXX. The Debt is Factually Impossible Due to an Active Account Status. 
Credence is collecting on a {$100.00} debt allegedly from a XX/XX/XXXX billing cycle. However, my XXXX XXXX account ( # XXXX ) was never closed or charged off. It remained active and in good standing. 

Definitive Proof : I have attached a billing statement from XXXX XXXX dated XX/XX/XXXX ( see Exhibit A ). This statement is for the XX/XX/XXXX- XX/XX/XXXX billing cycle and shows an amount due of {$100.00}, with an automatic payment scheduled for XX/XX/XXXX. 

This evidence creates an irrefutable timeline : XX/XX/XXXX : The period from which Credence claims an unpaid debt. 
XX/XX/XXXX : XXXX XXXX issues a new bill for the following billing cycle, treating my account as active and in good standing. 
XX/XX/XXXX : Credence reports the account as " Opened '' with them. 

A single account can not be both " active and in good standing '' with the original creditor and " delinquent and sold '' to a debt collector. The continued servicing of the account by XXXX XXXX after the alleged delinquency proves the debt Credence is collecting is invalid. 

XXXX. Failure to XXXX XXXX and Provide Chain of XXXX. 
Pursuant to the FDCPA, I have requested that Credence provide validation of this debt, specifically a bill of sale or assignment agreement from XXXX XXXX that lists my account number and the specific {$100.00} balance. They have failed to do so. Given that XXXX was still billing me for subsequent cycles, it is logically impossible for them to produce a valid document proving they own this specific debt. They lack legal standing to collect. 

3. Violation of the FCRA for Reporting Inaccurate Information.

By reporting this invalid debt to the credit bureaus, Credence is violating the Fair Credit Reporting Act, which requires furnishers to report accurate and complete information. Reporting a debt that is factually impossible is inherently inaccurate. Furthermore, reporting their acquisition date ( XX/XX/XXXX ) as the " Opened '' date is misleading and misrepresents the account 's history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This company has messed my life up in so many different ways.And the company did was the old smoke and mirrors trick. You don't understand. This company has been a thorn in my said for years. Costing me big time. Financially physically spiritually mentally. I should be compensated at least a {$100.00}. And paiid A financial specialist to help right there wrong. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am sending this letter after reviewing my Experian, Equifax and XXXX report in great detail. The review was both revealing and concerning. I am not disputing that I have held credit accounts ; rather, I am asserting my right to have only verified, truthful, and current information reflected in my credit file. I am asking Equifax to conduct a thorough reinvestigation of each accounts listed below, verify them with the original furnishers and make any necessary corrections so that my report reflects a clear honest record of my credit history. 

XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX XXXX XXXX Balance {$590.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX XXXX, XXXX days XXXX 'S XXXX XXXX XXXX {$2500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$1400.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX 'S XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, 60 DAYS XXXX XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, XXXX days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, 90 DAYS XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, XXXX, XXXX XXXX

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

Complaint narrative:
I am sending this letter after reviewing my Experian, Equifax and XXXX report in great detail. The review was both revealing and concerning. I am not disputing that I have held credit accounts ; rather, I am asserting my right to have only verified, truthful, and current information reflected in my credit file. I am asking Equifax to conduct a thorough reinvestigation of each accounts listed below, verify them with the original furnishers and make any necessary corrections so that my report reflects a clear honest record of my credit history. 

XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX XXXX XXXX Balance {$590.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX XXXX, XXXX days XXXX 'S XXXX XXXX XXXX {$2500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$1400.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX 'S XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, 60 DAYS XXXX XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, XXXX days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, 90 DAYS XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am extremely upset to see that these inaccurate accounts are still appearing on my credit report. They were supposed to be removed, yet they continue to show up. Im pleading for the attached documents to be checked carefully so I can finally stop worrying about this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am disputing the inaccurate and unverifiable reporting of private student loan accounts originally serviced by Navient Solutions , LLC . These accounts were charged off and closed years ago, yet continue to appear on my credit reports from XXXX XXXX, and XXXX as active debts owed. 

The accounts in question are : Navient Account # XXXX closed and charged off, still reporting as open with a balance. 
Any additional Navient private loan accounts originally transferred, sold, or written off without proper notice or documentation. 

I have previously filed CFPB complaints regarding these same accounts : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Navient ) All of those cases were closed as non-monetary relief / active dispute, yet the inaccurate reporting has not been corrected. 

On XX/XX/year>, Navient sent a letter with an identity theft affidavit packet, which does not apply to my situation. I never alleged identity theft my complaint is about inaccurate and unverifiable reporting under the Fair Credit Reporting Act ( FCRA ). 

I have contacted Navient several times by phone and certified mail. Navient confirmed that it has no active record of these accounts, but continues to furnish data to the credit bureaus. These tradelines are negatively impacting my credit score and inflating my debt-to-income ratio. 

I request that the CFPB require Navient, XXXX XXXX and XXXX to conduct a full validation and investigation of these accounts, provide written documentation of ownership and reporting authority, and remove or correct all inaccurate, incomplete, or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
I am filing this complaint because a collection account is being inaccurately reported on my credit report by Summit A * R, claiming I owe a balance to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reported balance is {$300.00}. 
I disputed this account directly with Experian, but they reported back that the account was verified. However, neither Experian nor Summit A * R has provided any documentation, signed agreement, or billing statement verifying this debt. 
This appears to violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proper verification of disputed information, as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires debt collectors to provide written validation of the debt upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY

( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: CA

Complaint narrative:
Just noticed 2 transactions each a total of XXXX. I had a zero balance prior as you will see. I narrowed XXXX XXXX weeks ago only this transaction was in XX/XX/year> that Im just now all the sudden seeing I spoke with a rep they chat I showed my proof and he was not knowing what else to say after accusing me of owning hundreds I showed my proof of statements and he said he would forward my issue this happened before a few years ago soon as they get into my acct they steal random amounts and refuse to return it and no one ever calls Im sick of the theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-11 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: PA

Complaint narrative:
It is very upsetting that inaccurate late payments continue to appear on my credit reports, and I am unsure why. Even after refreshing, these inaccurate late payments have not been removed. I insist that the documents I sent be examined thoroughly immediately so I can stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: DC

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) and the XXXX XXXX XXXX Procedures XXXX ( XXXX XXXX XXXX ( k ) ). 

Experian has verified and deleted the XXXX XXXX Bank ( XXXX ), XXXX. tradeline and related inquiries as inaccurate. However, Equifax continues to report this same account, even after multiple disputes since 2024. 

This is inconsistent, false, and unlawful. I request immediate deletion of the XXXX XXXX account from Equifax, written confirmation of correction, and damages as permitted by XXXX and federal law. Supporting evidence and demand letters are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im having negative records on XXXX XXXX XXXX about this company but i dont recognize this account! Its identity theft and my name is not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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