vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports today. They were not removed even after I refreshed my browser. I urgently request that the documents I submitted be carefully reviewed so I never have to deal with this worry again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
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 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 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 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 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 XXXXXXXX Account Number : XXXX * * * * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I transfer all my lines to XXXX from XXXX. XXXX says they would transfer my line and pay off the last month of the line, but now I'm getting charged almost XXXX that i don't owe to XXXX XXXX at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
Experian and TransUnion are reporting an inaccurate XXXX XXXX XXXX XXXX XXXX XXXX. Both bureaus show a balance of {$4900.00}. However, the lender informed me directly by phone ( XXXX at XXXX XXXX XXXX ) and in writing that the actual balance is {$5500.00}. I uploaded the lenders written statement confirming this. 

This means the information Experian and TransUnion are reporting is materially inaccurate and not verifiable under FCRA 1681e ( b ). I disputed the account with both bureaus, but they issued blanket verified responses without correcting or removing the inaccurate balance. No real reinvestigation occurred. 

XXXX, however, reviewed the same account and removed/corrected it to a {$0.00} balance on XX/XX/year>, confirming it could not be verified accurately. This shows clear inconsistency between the bureaus and proves that Experian and TransUnion did not contact the furnisher or follow FCRA 1681i requirements for a lawful reinvestigation. 

I am requesting CFPB assistance to require Experian and TransUnion to conduct a legitimate reinvestigation and delete this account since it has been shown to be inaccurate and unverifiable by both the lender and another bureau.

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 2025-11-13 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: Carter-Young, Inc.
State: SC

Complaint narrative:
I am filing this complaint because Carter-Young , Inc. is reporting a collection account to XXXX  and XXXX  without ever providing me with legally required validation under the Fair Debt Collection Practices Act ( FDCPA ). I requested validation three times, and they failed to provide any of the documentation required by law, including a signed lease, an itemized breakdown of charges, or a bill of sale/assignment proving they own or have authority to collect this debt. 

Despite this, XXXX  and XXXX continue to report the account, even though the information remains unverified and disputed, which violates the Fair Credit Reporting Act ( FCRA ).

I disputed an alleged collection account with Carter-Young, Inc. ( Account # XXXX, reporting a balance of {$480.00} for XXXX @ XXXX XXXX  ). On two separate occasions, I sent written requests for debt validation under FDCPA 15 U.S.C. 1692g. My requests specifically asked for : A copy of the signed lease or contract An itemized breakdown of the charges Proof of ownership/assignment ( bill of sale ) Documentation showing Carter-Young has the legal right to collect this debt Carter-Young responded with a generic letter claiming they conducted a reasonable investigation, but did not include any validation documents. They did not provide a signed agreement, an itemization, or a bill of sale. Their reply does not meet FDCPA validation requirements. 
Despite failing to validate the debt, Carter-Young continues to : Attempt collection Report the debt to XXXX  Fail to provide the required validation This violates : FDCPA 1692g ( b ) continued collection without validation FDCPA 1692e ( 8 ) reporting disputed debt without proper notice FCRA 611 ( 15 U.S.C. 1681i ) XXXX  duty to delete unverifiable information FCRA 623 furnishing inaccurate/unverifiable data XXXX  and XXXX  have continued reporting this account even though it is unverified and in active dispute, which violates their reinvestigation obligations under the FCRA.

I will upload : My first validation request letters Their bill only response My second Method of validation letter * My third failure-to-validate letter The certified mail receipts ( green cards/ USPS tracking ) A credit report screenshot showing Carter-Young still reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 just checked my credit report again and I am really upset to see that these inaccurate accounts are still appearing. They were supposed to be removed, but they are still there. I am pleading that the documents I sent be carefully reviewed so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information on my Experian, Equifax, Transunion credit report and request its deletion pursuant to my rights under federal law. These items in question are as follows : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have sent USD {$450.00} using Paypal services since XX/XX/XXXX, right away the rtansaction was flaged and I was promisse a top 72 hours investigation turn arround if not lest... Passed the mark I spend 1:23 minutes pentienly jumping from supercisors to supervisors getting and the most I got was : " We sent and email to the remitence with some questions, they need to awnser in order for the transaction to ve release ''. The remitande did replay and it wasn't got back any updates at all, neither I have. I have also try to cancel the transaction and they refused and said was imposible, also mentioned that on the essenario that the other party does not responde what will it happen to the founds? to with I was told : " They will be always on hold '' with I honestly beleave is ridiculos. Just spend 47 minutes more on the phone with them and at the end tranfering me to a supervisor the call was " Disconected ''. I have used paypal for 10+ years on with I never got any issues, little was my sorproce when I start looking on they social media and find many other costumers claming similar experience were they never refound the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report false and inconsistent information on my Experian credit report. 

Despite multiple disputes, they increased the reported balance from {$1700.00} to {$2200.00} without any proof, and the account remains marked as charge-off. I have requested documentation and validation of this alleged balance, but XXXX XXXX has not provided any evidence to support their claim. 

Their actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), since they are furnishing unverified and inaccurate data that continues to damage my credit. 

I request that this account be deleted from all credit bureaus or corrected to show a XXXX balance and paid/closed status unless they can produce complete verification records.

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 2025-11-13 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: GA

Complaint narrative:
Dear Equifax, Experian and Transunion This letter serves as formal notice that an account previously deleted nearly a year ago has been illegally reinserted into my credit filewithout notice, without proper certification, and without my consent. This account does not belong to me, and my personal information was exposed in a data breach. 
I am demanding immediate removal and permanent blocking of this account. Reinsertion without certified verification violates multiple federal laws. 
YOU ARE HEREBY ORDERED TO : 1. Immediately delete this fraudulent account.

2. Permanently block this account from any future reinsertion.

3. Provide the mandatory written reinsertion notice within 5 business days.

4. Provide the name, address, and telephone number of any furnisher who certified this account.

FEDERAL LAWS YOU ARE VIOLATING : 1. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Requirements 2. FCRA 605B Identity Theft Blocking 3. FCRA 623 Furnishers Reporting Responsibilities 4. FCRA 616 & 617 Civil Liability for Willful/Negligent Noncompliance 5. FACTA Identity Theft & Data Breach Protections 6. FDCPA False or Misleading Representation ( Collectors ) OFFICIAL NOTICE OF INTENT TO PURSUE LEGAL REMEDIES : If this account is not
permanently removed and blocked within 5 business days, I will file complaints with the CFPB, FTC, Attorney General, and pursue civil damages under FCRA 616 & 617.

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 2025-11-13 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: OH

Complaint narrative:
I am responding to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can verify that this debt is valid and that I am legally obligated to pay it : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges ; 3. A copy of any written agreement bearing my signature or proof that I have a legal obligation to pay ; 4. Verification that your company is authorized to collect debts in my state ; 5. The date and details of the alleged default or last payment ; 6. The name of the current owner of the debt and documentation of the transfer or sale from the original creditor.

Until this information is provided, I am requesting that you cease all collection activity and not report this alleged debt to any credit reporting agency. If this debt has already been reported, please immediately notify the credit bureaus that it is disputed.

Be advised that any attempt to collect a debt without proper validation violates federal law. 

Thank you for your cooperation. I look forward to your prompt response within the time frame allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed scam claim with Bank of America for money transfer to a mechanic. The mechanic never fixed my car and actually made a bigger mess when he returned it to me. 
The bank told me that they will respond in XXXX days. On XX/XX/XXXX the bank send me the letter that the claim was denied. 
I need help to recover my funds.

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 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have two investment accounts with Bank of AmericaXXXX XXXX On XX/XX/year>, The bank executed a total of XXXX sell orders of my holding without my consent. I immediately call the bank and asked them to reverse the trades since I did not order the trades. The answer I got was that it was too late to be reversed. The reason the bank gave me for the sell orders is that my account information was not verified for several month after the bank asked me to do so. I did ignore the paper mail that threatened me to get my personal information verified otherwise the bank is going to close my accounts, which looked like typical scam or phishing mails. The bank did not contact me via any electronic methods. 
My personal information provided to the bank is fine ( Name, SSN and date of birth, etc. ) and I get email notifications all the time. I always get the monthly report without an issue. I did not see any reason I need to verify my personal information.

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 2025-11-13 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: GA

Complaint narrative:
On XX/XX/2025, I reviewed my credit reports from all three bureaus ( XXXX, Equifax, and XXXX  ) and found several inaccurate and unverified accounts being reported. 

I disputed the following accounts as inaccurate or unverifiable : XXXX XXXX reporting incorrect payment history and balance. 
XXXX XXXX account does not belong to me. 
XXXX XXXX I did not open this account. Does not belong to me. 
XXXX XXXX showing an account that was paid and closed still listed as active with a balance. 
XXXX XXXX XXXXXXXX XXXX showing incorrect balance and payment history. 
XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) multiple duplicate student loan accounts reporting incorrectly. 
XXXX XXXX account not belonging to me. 
XXXX XXXX XXXX collection does not belong to me XXXX XXXX XXXX  ( XXXX accounts ) reporting inaccurate or duplicate collections. 
XXXX XXXX XXXX account not verified with original creditor documentation. 
XXXXXXXX XXXX XXXXXXXX account does not belong to me. 

I submitted disputes with documentation to each credit bureau on XX/XX/2025, requesting investigation and verification of each account. 

As of XX/XX/2025, the credit bureaus either verified the accounts without providing proof from the furnishers or failed to correct the errors. These inaccurate accounts continue to report negatively and impact my credit score. 

I am requesting that the CFPB investigate and ensure each bureau and furnisher properly verifies or removes these inaccurate and unverifiable accounts in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I am writing to formally dispute certain items on my credit report that I have identified as inaccurate, incomplete, or unverifiable. I am requesting that each item be thoroughly reinvestigated and corrected in accordance with my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ). These inaccuracies are negatively affecting my credit profile, and it is imperative that my report reflect only complete, accurate, and verifiable information. 
Charge-Off Accounts in Dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$320.00} These charge-off accounts are reported inconsistently with my verified account statements. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to provide accurate information to credit reporting agencies. I request that contact the original creditor directly to verify the accuracy of the balances, account status, and payment history. If verification can not be completed, the reported information must be corrected to accurately reflect the true history of these accounts. 
Collection Accounts in Dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} These collection accounts appear to contain inaccurate or unverifiable information regarding balances and payment history. Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I request that reinvestigate these entries by contacting the original creditors or collection agencies to ensure the reported data is complete, accurate, and verifiable. Any information that can not be substantiated must be corrected to reflect the actual account history. 
Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries are included in my report without sufficient evidence of their accuracy and proper reporting. Under FCRA 604 ( a ) ( 1 ) and 604 ( a ) ( 2 ), each inquiry must be supported by a permissible purpose and properly documented. I request verification of each inquiry directly with the reporting entity, including the date, authorization, and purpose for which it was recorded. If verification is not provided, the inquiry must be corrected or updated to accurately reflect the reporting details.

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