vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to CREDENCE RESOURCE MANAGEMENT regarding Account Number : XXXX * * * * for the alleged balance of {$170.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. 
Despite this request, CREDENCE RESOURCE MANAGEMENT failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect.

By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
writing to formally dispute the accuracy and legality of the way the following accounts are being reported on my credit file. 
These accounts were charged off on the respective dates listed. Since then, however, they have been continuously updated on a monthly basis with new " CO '' ( Charge-Off ) entries, which inaccurately suggests recurring payment activity. This not only misrepresents the nature of a charge-off account but falsely extends the appearance of delinquency and may unlawfully manipulate the statute of limitations.

This practice is misleading, creates unfair damage to my credit profile, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) which requires credit reporting agencies to maintain

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 2025-07-29 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: FL

Complaint narrative:
I am awaiting a response from the credit bureaus and its been over 30 days. I had to reach out to an attorney.There is a XXXX  XXXX XXXX  XXXX  information is very inaccurate to the point that I did not recognize it and I paid it off years ago. I tried to call XXXX XXXX at XXXX ( spoke with XXXX XXXX. They had no information on this account, so I was trying to find out who reopened it or made charges to it furthermore if I am the account holder why doesn't XXXX XXXX have any information on this account but the 3 credit bureaus do. This is very strange. Also the information is very inconsistent and confusing, not only to me but XXXX XXXX representative also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am awaiting a response from the credit bureaus and its been over 30 days. I had to reach out to an attorney.There is a XXXX  XXXX XXXX  XXXX  information is very inaccurate to the point that I did not recognize it and I paid it off years ago. I tried to call XXXX XXXX at XXXX ( spoke with XXXX XXXX. They had no information on this account, so I was trying to find out who reopened it or made charges to it furthermore if I am the account holder why doesn't XXXX XXXX have any information on this account but the 3 credit bureaus do. This is very strange. Also the information is very inconsistent and confusing, not only to me but XXXX XXXX representative also.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo hires these offshore call centers who provide us with incorrect information when we rely on their knowledge and expertise to assist us. 

I filed a claim on XX/XX/year> on my account number ending in XXXX. At that time, I stated that my property management company had taken money from my account that was not authorized. They acknowledged their error and agreed to credit my last month but then as I neared my leases end, I realized that I had paid first last and security upon move in. Property management ignored my emails and offered no resolution so then I decided to file a claim with WF. I advised rep of the situation and she stated shed file a claim for me on my behalf which I agreed to have done. Instead of her filing it under fraud or being unauthorizedshe said shed file it as a duplicate charge and that it would not be considered unauthorized due to me doing business with the merchant. I relied on her knowledge and expertise and agree with the claim reasoning and a claim was filed.

After not hearing back from the bank regarding this issue more than 10 days later I called back in for an update and was told the claim was denied because the department saw no duplicate charge I never stated their was and the banker should have noticed their wasnt one either and not file it this way even after I told her that she should file it as unauthorized, she disagreed with me and filed it under a duplicate charge.

Banker today said she will refile claim today under fraud/unauthorized. She even stated that they rely on what we tell them when in fact, the previous rep who filed the prior claim did not.

This is the 2nd time that has happened to me where communication is off, incorrect information is given and then Im left to sort and pick up the pieces due to a lack of understanding on the offshore call centers part that Wells Fargo hires.

Its at the point where I am becoming less and less confident with the information that I am receiving. Its very impersonal and the majority seem as if they are reading a script, dont understand the full scope of your call or the entirety of your concern. They provide missed resolutions, incorrect information and poor support.

This needs to be stopped. Call needs to be pulled. Better training needs to take place. Bring the jobs back on shore. This is shameful.

Wells Fargo wont do that so at least return the money that was wrongfully taken from my account. 

Original claim that was filed incorrectly : XXXX New claim with correct reason and new rep : XXXX ACH CLAIMS ACCOUNT ENDING : XXXX closed acct

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 2025-07-30 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: TX

Complaint narrative:
I have previously disputed multiple times the following accounts that are hurting my credit to the XXXX major credit reporting agencies Experian Equifax and Transunion. The credit bureaus have failed to provide verifiable proof that the alleged accounts and debts belong to me. According to the FCRA Section XXXX ( a ) ( XXXX ) ( A ), it is mandatory for you to verify all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone using your reporting services. These accounts should be removed immediately! 
XXXX/ Account XXXX XXXXXXXX XXXX/ Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 have previously disputed multiple times the following accounts that are hurting my credit to the XXXX major credit reporting agencies Experian Equifax and Transunion. The credit bureaus have failed to provide verifiable proof that the alleged accounts and debts belong to me. According to the FCRA Section XXXX ( a ) ( XXXX ) ( A ), it is mandatory for you to verify all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone using your reporting services. These accounts should be removed immediately! 
XXXX/ Account XXXX XXXXXXXX XXXX/ Account XXXX XXXXXXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2025-07-29 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: Skrill USA, Inc.
State: CA

Complaint narrative:
Paysafe XXXX XXXX, made inquire to my XXXX XXXX  credit report, whitiout my consent, i tried numerus time to reach them no one pick up the phone. inquire happened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX charged off a debt in XXXX, but I never received a 1099-C form for canceled debt. This may result in IRS filing issues and inaccurate tax reporting. 1099-C is required reflecting the cancellation of debt as required under 26 U.S. Code 6050P.

According to this law, any financial institution, government entity, or creditor that cancels a debt of {$600.00} or more must issue Form 1099-C to the debtor and file a copy with the IRS.

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 2025-07-30 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: MN

Complaint narrative:
On XXXX XXXX I submitted a few disputes due to a number of negative items that's currently on reporting on my credit report. I demanded proof of the original signed agreements stating the validity of the debts. Transunion did not provide that with in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
A complaint was filed against equifax concerning information on my consumer report that I do not recognize and they responded XX/XX/year> saying that XXXX XXXX  and XXXX XXXX were verified and I dont agree with that. I would like to know how these items were verified along with providing the original contract with my wet signature. 15 U.S.C. 1681g and 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I am disputing a closed credit card account from XXXX XXXX that is hurting my credit report. I submitted a previous CFPB complaint about this issue over two weeks ago, and only now I received a letter dated XXXX XXXX XXXX, informing me that the account was closed due to a credit score review.

This account was opened in XXXX and is my oldest credit account. I was never notified in advance that it would be closed or given an opportunity to resolve the matter. The closure was done without proper notice and has affected my credit history. The way it was reported is inaccurate and unfair. 

I am requesting a full deletion of this account from my credit report due to lack of proper notice, failure to investigate, and the negative impact on my credit profile.

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 2025-07-30 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: FL

Complaint narrative:
I am disputing a closed credit card account from XXXX XXXX that is hurting my credit report. I submitted a previous CFPB complaint about this issue over two weeks ago, and only now I received a letter dated XXXX XXXX XXXX, informing me that the account was closed due to a credit score review.

This account was opened in XXXX and is my oldest credit account. I was never notified in advance that it would be closed or given an opportunity to resolve the matter. The closure was done without proper notice and has affected my credit history. The way it was reported is inaccurate and unfair. 

I am requesting a full deletion of this account from my credit report due to lack of proper notice, failure to investigate, and the negative impact on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I disputed with BUREAUS a collection reported by Credit Control Service for {$1400.00} ( original creditor XXXX XXXX XXXX XXXX XXXX, opened XX/XX/year> ). 
I never signed a contract or agreed to any loan or credit with XXXX. This may be an insurance claim billing error. The collector has never provided documentation of why I owe {$1400.00}.

My letters requested proof, such as claim documents or a bill showing my
responsibility. Experian and Credit Control Service have not produced verification.

Reporting this unvalidated and potentially inaccurate collection violates 15 U.S.C. 1681i ( reinvestigation ) and 1681s-2 ( b ) ( furnisher duties ).

I request deletion of this collection from my credit report if they can not fully verify with signed documents. My dispute letter and FTC Identity Theft Report # XXXX are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
Im extremely frustrated to see an unauthorized inquiry on my credit report this morning, and I have no clue why its there. I reviewed my report as I normally do, only to find this unexpected discrepancy. I even refreshed my browser thinking it might be a glitch, but it stayed the same. I urgently need someone to thoroughly review the documents I sent so I never have to stress about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am submitting this complaint because multiple credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, incomplete, outdated, and unverified negative accounts on my credit report. Despite my efforts to dispute these items directly with the credit bureaus, they have continued to report the following derogatory information without providing adequate documentation or conducting proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, the reports include : Charge-off accounts that reflect inconsistent payment histories, inflated balances, or prolonged reporting after being closed or disputed.

Collection accounts that have not been validated with original signed contracts, payment ledgers, or proof of ownership.

Accounts marked as disputed but still listed without any updated investigation results or consumer notice, violating FCRA 1681s-2 ( b ) and FDCPA 807 ( 8 ).

Late payment history that exceeds the 24-month limit and is damaging my score without proper validation.

I submitted written disputes to all three credit bureaus, clearly identifying the accounts and citing applicable violations of federal law. However, the bureaus either failed to respond with proper documentation or continued reporting the same inaccurate data without correction or removal.

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