vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
Credence Management, representing XXXX, called and said a dispute I initiated over defective equipment, had been reported as valid by XXXX. I asked to see the Report/Response. I was told no, that it was just considered valid, and that I must pay, or it would be negatively noted on my credit report. Then, they stated that if I sent them a reduced amount, NOW, then I would prevent negative report. 
I ASKED THEM TO SEND IT IN WRITING, because I thought they were Scammers with foreign voices, especially since they were willing to accept less-if I sent money immediately. Credence did put a negative ( collection ) mark on my credit immediately, without a written confirmation. 
This is unfair Due Process. If I knew they were legitimate and had documentation for recourse or appeal, then I would have handled differently. People aren't supposed to wire money to all these scammers without checks and balances. 
My complaint is that my credit report, with a quarter-million in spotless credit, is now being damaged over {$380.00} of XXXX defective equipment. I should have been sent verifiable documentation and given an alloted time to respond. 
Further, I am in sensitive credit negotiations right now. This is criminal. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-27 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-27 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally dispute a billing error under the Fair Credit Billing Act ( FCBA ). A charge for {$1300.00} from XXXX XXXX posted on XX/XX/year>, was a duplicate and was not authorized by me. 
I initially contacted my card issuer, Chase, by phone on XX/XX/year>, well within the FCBA dispute period. Instead of fully protecting my rights as required under the FCBA, I was told Chase considered the charge valid and I was directed to pursue the issue with the merchant directly. Despite my numerous attempts, this issue was never resolved. 
The card issuer later claimed it had investigated the charge. However, the so-called investigation was inadequate. Although Chase has indicated that it investigated the dispute, its handling of the matter has been inadequate. The issuer did not : Advocate on my behalf with the merchant, Consider the numerous supporting documents I provided as part of their decision-making process Provide meaningful evidence to justify the charge, nor Offer a resolution that protects me as the consumer. 
Since reaching out to Chase in XXXX of 2024 I have : XXXX XXXX XXXX on numerous occasions, including disputing this charge with their Customer Care department. They see this as Chases issue and refuse to help me. 
Reached out to my local State Representative who has indicated that this type of issue does not fall under their purview Filed a complaint with the Attorney General Reached out to Chase a second and third time pleading for help Submitted a dispute to the U.S. Department of Transportation who simply pushed me back to XXXX  for them to handle my concerns directly This is effectively a continued billing error, because the charge remains unresolved and the issuer has failed to take meaningful corrective action under the FCBA. As a consumer ( and a single mom of XXXX kids who works full time and has had to tackle this problem completely on my own with very little time to spin my wheels ) I feel like no one is supporting me or advocating for me. A charge of over {$1000.00} is not small change for me, but its a drop in the bucket for companies like Chase and XXXX who show revenue of over {$170.00} XXXX and {$3.00} XXXX respectively. It is no wonder that consumers arent protected when these companies could care less about serving those whose money contributes to their exorbitant wealth. 
I have been left with an unresolved charge for almost a year and I have accrued monthly interest on the {$1300.00} charge. This ongoing failure constitutes a continued billing error, since the charge remains disputed and uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I got XXXX inquiries on my TransUnion report and I dont know anything about it and I got a loan name is XXXX XXXX I want the credit bureau remove it on 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 2025-08-27 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX CARD # XXXX XX/XX/XXXX -- {$4000.00} XXXX # XXXX XX/XX/XXXX -- {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC [ Address from your credit report or their correspondence ] Re : Cease and Desist Account No. XXXX / Alleged Balance : {$910.00} To Whom It May Concern, I am writing to formally notify you that under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease and desist all communication with me, my family, my employer, or any other third parties regarding the alleged debt referenced above.

Please be advised of the following : 1. I dispute the validity of this alleged debt in its entirety.

2. I demand that all collection efforts stop immediately, except as allowed by law ( such as notifying me of a specific legal action you intend to take ).

3. Any further contact outside the scope of the FDCPA will be considered harassment and a violation of my rights, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

You are hereby instructed to : Cease all phone calls, letters, emails, or other forms of communication. 
Remove any unauthorized or inaccurate reporting of this account from my credit reports if you can not provide proper validation. 

Failure to comply with this request will result in me pursuing all legal remedies available. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$11000.00}

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I need assistance to remove resurgent receivables from my credit report as they are reporting inaccurate address for me to experian, I am seeking assistance with your company to demand XXXX and Resurgent receivables, Under the fair credit act to remove/ delete this account for XXXX. I have not authorized for these people to have my information and I've never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-27 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited three checks for a little over {$4000.00} each ( so over {$12000.00} total ) into my Bank of America account. Two checks ( over {$8000.00} ) were initially released, and one check ( over {$4000.00} ) was placed on hold. I responsibly used approximately {$3400.00} of the released funds, leaving about {$5000.00} in the account. 

A few days later, Bank of America reversed the both previously cleared checks, which left me with a {$3000.00} negative balance. The third {$4000.00} check remained on hold well past 5 business days. I did receive a written hold notice dated XX/XX/XXXX that the funds would be released XX/XX/XXXX ( and they have been ), but despite this, the extended delay violated the spirit of Regulation CC, which requires reasonable funds availability and it took more than 7 business days- just a day before my scheduled closing. 

I also confirmed with the check writer that their account was already debited, meaning the funds left their account but were not credited to mine during the whole process. 

From my very first call with Bank of America, I made it clear these funds were needed for my home closing, scheduled for Thursday, XX/XX/year>. The property is valued at over XXXX XXXX XXXX and this delay and reversal created severe stress and financial risk during this critical transaction. 

Attempts to resolve with the bank : I contacted Bank of America multiple times both via the phone and in person at a local branch. 

I attempted escalation to supervisors and the back office. 

One supervisor specifically told me she was able to apply a goodwill courtesy credit, but due to a verification failure she could not access my account at that moment. When I called back, I was denied any such credit and told that Bank of America does not offer courtesy credits and that this just happens. 

I asked for escalation again, but was told no one was available. On another call, I was told escalation might not even be processed. 

This is inconsistent, misleading, and unfair handling : one supervisor acknowledged a goodwill credit could be applied, while others flatly denied that such credits even exist. 

Impact : My account went negative by {$3000.00}, causing financial stress and reputational harm during my real estate closing. 

I am closing on a property worth over half a XXXX dollars this week, and the banks mishandling of deposits placed that closing at risk. 

I am a Bank of America client of nearly a decade, and I was previously a XXXX XXXX XXXX. I expected better handling of my case. 

The refusal to provide any goodwill accommodation or consistent resolution demonstrates poor treatment of a long-term customer.

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 2025-08-27 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: TX

Complaint narrative:
This account is reported as a charge-off with a {$560.00} balance across Experian, Equifax, and TransUnion. Since 2020, I have disputed this item multiple times with all three bureaus. Each time, the bureaus mark the account verified without providing any supporting documentation. Dates, amounts, and reporting fields have been altered inconsistently across bureaus, which proves the information is unreliable and inaccurate. The furnisher has never provided validation or proof of liability. This violates FCRA 611 ( a ) ( failure to reasonably investigate ) and 623 ( b ) ( failure to report accurately ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation