vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: WI

Complaint narrative:
To : XXXX XXXX XXXX ( XXXX ) Attn : Compliance & Validation Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute & Method of Verification Demand Account # [ Insert Account Number ] To Whom It May Concern : This letter serves as a formal dispute and demand for validation of the alleged account referenced above, which your company, XXXX XXXX XXXX, has reported on my consumer credit profile. I am disputing the accuracy, validity, and ownership of this alleged debt under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and CFPB compliance standards. 

You are hereby instructed to immediately cease all collection activities until you have provided complete and verifiable documentation proving the following : XXXX. Proof that XXXX XXXX XXXX is the lawful owner or assignee of the alleged debt, including the complete chain of custody or assignment from the original creditor to your company. 
2. A signed contract or agreement bearing my clients original signature establishing any legal obligation to pay you or the alleged creditor. 
3. A detailed accounting statement that itemizes the amount claimed, including principal, interest, and fees, along with documentation verifying how the total balance of {$290.00} was calculated.

4. Verification that the information reported to XXXX Equifax, and XXXX is accurate, complete, and current, as required by FCRA 623 ( a ) ( 1 ) ( A ).

5. Confirmation that no unlawful re-aging, balance manipulation, or misleading reporting has occurred to prolong the reporting period or inflate the balance due. 

Be advised that failure to fully validate this alleged debt within 30 days of receipt of this notice will result in the account being deemed unverified and must be deleted from all credit reporting agencies immediately under the provisions of FCRA 611 ( a ) ( 5 ).

If you continue reporting this unverified account or attempt to collect without proper validation, such actions will constitute willful noncompliance, defamation, and violations of federal consumer protection laws. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office for each instance of noncompliance, and pursue civil action under 15 U.S.C. 1681n and 1681o for statutory and actual damages.

Please mail all documentation and responses to the address listed above. Electronic or verbal replies are not acceptable. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
XXXX accounts are being reported under my name without my authorization or awareness. I have never opened, authorized, or managed either of these accounts, and their presence on my credit report is both inaccurate and misleading. I take my credit profile seriously, and these unauthorized accounts have caused me significant frustration and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am reporting a fraudulent collection account that appears on my credit report under Credence Resource Management, referencing an XXXX XXXX XXXX  account with a balance of {$3300.00}. This account was opened without my knowledge or authorization. I am a victim of identity theft, and I did not open or agree to any account or service with XXXX XXXX XXXX associated with this debt. 

This collection account was reported as opened on XX/XX/year>, and updated in XX/XX/year>, but I have never received any bills, correspondence, or service from XXXX XXXX XXXX for this account. I have already disputed this account with the credit reporting agencies, and I am now requesting that the Consumer Financial Protection Bureau assist in investigating and removing this fraudulent debt from my credit report. 

I have reason to believe my personal information was used without consent, and I am requesting that Credence Resource Management provide documentation with my signature or other proof of authorization for this account. If they can not provide that evidence, the account should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
So i requested a cc from Bank XXXX it got approved then once i recd the card i activate the card on the app and minutes later i noticed there was a transfer of XXXX i called the bank right away and i told them I didnt do the transfer and they told me they dont see a transfer on there side but they cancel the card as fraud. Then i got the new card but i never activate the card anymore months later i got a phone call that my payment of the card it was passed due and i asked them what are you guys talking about and they said well about the transfer of the XXXX that went to your chase acct and i said sorry but no I dont have a transfer of XXXX in any of my accounts then they asked me to send all my statements from my chase bank and i did and then weeks later I received a letter that everything was resolved. Weeks later I receive a phone call that i still had the balance due and i said I thought it was resolved i got a letter saying thats it was resolved and the lady on the phone said well the case was reopened since then i being dealing with this situation they keep asking for all my bank information and I keep sending everything and they say they havent received anything i dont know what else to do this situation os affecting my personal mental and physical life. I always like to pay my bills and this is affecting me big time even on my financial life. Please help me i feel that bank XXXX XXXX is just not paying attention to my case and they just was free money because am sure that they can see in there system that money is still in there possession.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XX/XX/2025 Resurgent Capital Services LVNV Funding LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Resurgent Capital Services, I am writing in response to your [ letter/phone call/email ] dated XXXX XXXX in which you claim that I owe a debt to XXXX XXXX XXXX. This letter is a formal request for validation of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 
2. The amount of the alleged debt and a detailed explanation of how it was calculated. 
3. Copies of any documents showing that I agreed to assume this debt.

4. Proof that your agency is authorized to collect this debt. 
5. A copy of any judgment, if applicable. 

Until you provide proper verification of this debt, please cease all collection activities, including reporting this debt to credit bureaus or contacting me by phone. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-24 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: FL

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-24 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: AL

Complaint narrative:
I reviewed my credit reports and found that several accounts are being reported multiple times, which is causing my credit profile to appear inaccurate and inflated. Specifically, the following duplicate entries were found : - XXXX XXXX XXXXXXXX Account XXXX. XXXX appears XXXX XXXX XXXX XXXX Bank Inc Account XXXX. XXXX appears XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX appears XXXX times.In addition, two unauthorized hard inquiries from Ally Financial were added on XX/XX/year> one listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and the other at XXXX XXXX XXXX, XXXX, MI XXXX. I did not apply for any credit or authorize XXXX XXXX to access my credit on that date.I submitted disputes directly to the credit reporting agencies to have these duplicate and unauthorized items removed, but the information remains unchanged. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681b ), which requires credit bureaus to ensure maximum accuracy and to remove unverifiable or unauthorized information after a reasonable investigation.I am requesting that these duplicate accounts and unauthorized inquiries be fully investigated and removed from my credit file. I also ask that the companies involved confirm compliance measures to prevent these reporting errors from recurring.

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 2025-10-24 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:
Late payments are showing on my credit report for this account that are not accurate or properly verified. I disputed the late payment history with the credit bureaus, but they continue to report it as valid without providing documentation from the creditor that proves the dates or details of those late payments. This violates the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) and 623 ( a ) ( 1 ) ( A ) because the information must be accurate and verifiable

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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I financed a {$10000.00} installment loan through Monterey Financial Services on XX/XX/XXXX to pay XXXX XXXX XXXX for IRS tax-resolution services. 

Over the past year, the company has changed representatives several times and has repeatedly failed to provide itemized billing or documentation of the services performed. They claim my XXXX and XXXX tax returns were prepared, but the promised IRS resolution remains incomplete and my tax balance has not been reduced. 

Despite multiple written requests, XXXX XXXX refuses to provide detailed billing, and Monterey continues to service the loan. I believe the services were misrepresented and that Monterey is financing an inflated or largely unearned charge.

Im requesting that Monterey pause all payments and interest while the transaction is investigated, and that the loan be reviewed for possible cancellation or adjustment based on merchant misrepresentation.

I can provide copies of the signed contract, payment records, and email correspondence showing repeated unanswered requests for documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: IL

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. 

Accounts in Question : EXETER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Fraud encountered on account. Bank of America was not helpful or useful in resolving issues.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: National Consumer Telecom & Utilities Exchange, Inc.
State: RI

Complaint narrative:
I am submitting this complaint against the National Consumer Telecommunications and Utility Exchange ( NCTUE ) for failing to comply with my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I previously sent NCTUE a formal dispute and identity theft block request regarding several fraudulent accounts that appeared on my consumer file. These accounts were opened without my authorization and are the result of identity theft. Along with my dispute, I submitted the following documentation : A copy of my government-issued passport A utility bill as proof of address A copy of my police report filed for identity theft A copy of NCTUEs own consumer report, with the fraudulent accounts clearly highlighted Despite receiving all required documentation, NCTUE refused to block the fraudulent accounts. Instead, I received two letters dated XX/XX/year> and XX/XX/year>, in which NCTUE claimed the accounts had been verified as correct after contacting the furnishers ( XXXX XXXX and XXXX XXXX ). 

Under FCRA 605B, once a consumer submits proper identification and an identity theft report, the bureau is required to block the reporting of information resulting from identity theft within four business days. NCTUE is not permitted to reinvestigate or verify such accounts with the furnishers once valid documentation is provided. 

By choosing to verify the fraudulent information instead of blocking it, NCTUE has violated the FCRA and is continuing to harm me by allowing fraudulent accounts to remain on my consumer file. 

I have already mailed them a second complete package reiterating my identity theft claim and requesting immediate compliance, but they have not taken corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: HI

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccuracies that do not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). These errors have caused me significant stress and continue to harm my financial standing during a difficult time. I respectfully request these items be reviewed and corrected or 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 2025-10-23 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: HI

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccuracies that do not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). These errors have caused me significant stress and continue to harm my financial standing during a difficult time. I respectfully request these items be reviewed and corrected or 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Plaza Services XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX Subject : Request for Debt Validation Dear Plaza Services, I am writing in response to a notice I received from your office by email on XX/XX/year> regarding an alleged debt with the account number XXXX. 
I also realized on your letter a non existent address on my personal information ( XXXX XXXX XXXX XXXX, OH XXXX ), I never resided in XXXX OH. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. Specifically, please provide : 1. The name and address of the original creditor. 
2. The amount of the alleged debt, including any interest, fees, or other charges. 
3. Copies of any documents or contracts that show I agreed to assume this debt. 
4. Proof that you are authorized to collect this debt in my state. 
5. The date and details of the last payment made on the account, if any. 

Until you provide this information, you should cease all collection activities, including reporting this debt to credit bureaus, per the FDCPA. 

Please note that this letter is not an admission of liability for the debt, nor a refusal to pay. I simply request verification of the information as allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was served notice that I was being sued by XXXX XXXX for unpaid debt. I obtained an attorney through a program offered by my employer who helped me to agree on a settlement. The principal balance on the loan is {$1300.00}. But in the settlement, XXXX finance offered a settlement amount of {$2900.00}. After I signed the agreement, my attorney emailed me stating that XXXX attorney made a mistake and I owed court cost, pre-judgment interest and 18 % interest until the loan is paid off. I informed my attorney that I felt that instead of a settlement, XXXX was resuming loan payments. My attorney suggested that I still agree because the judge could possibly rule in Mariners favor and I could possibly have my wages garnished. 

I made my first settlement payment of {$100.00} on XX/XX/XXXX ( per the agreement, my payment is due on the XXXX of each month ). 

When I logged into my account on XX/XX/XXXX, my account with XXXX shows as an active loan, not a settlement. {$99.00} of my payment went to interest and {$10.00} went to the principal. We agreed on 18 %, but XXXX being charged 30.02 %. At this rate, I will never be able to pay them off.

Company response to consumer: Closed with explanation