vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Dear CREDENCE RESOURCE MANA I am writing to request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature ( if applicable ) ; 4. Proof that you are legally authorized to collect this debt ; 5. An itemized accounting of how the amount was calculated ; 6. Verification that the Statute of Limitations has not expired. 



I request that you cease all collection efforts and reporting to credit bureaus until this debt has been fully validated. 

If you fail to validate this debt, or if you continue collection activities without providing proper documentation, you will be in violation of the FDCPA, and I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General. 

This is not a refusal to pay, but a request for validation. Please respond within 30 days of receiving this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
The consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite having received a valid Identity Theft Report, proof of my identity, and a formal request for removal, the agency has failed to block the disputed information within the timeframe mandated by law. This ongoing noncompliance constitutes a clear violation of my consumer rights and has caused significant financial and reputational harm.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-07-10 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: AL

Complaint narrative:
I am filing a dispute regarding an auto loan account reported under * * XXXX XXXXXXXX / XXXX / XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) on my credit report. The information reported is inaccurate and damaging to my credit profile. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) This account shows multiple late payments and derogatory marks that I do not agree with. 
I have not received clear communication, billing breakdowns, or validation of the reported delinquencies. Additionally, some late payment entries are reported without proper documentation or proof. 
Attempts to resolve this with the creditor directly were unsuccessful. I am requesting the CFPB to initiate an investigation into the accuracy of the data being reported and require the creditor to produce valid proof of the delinquencies and balances reported.

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 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Incorrect personal information including names, employers and addresses. Delete all unverified information immediately.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Incorrect personal information including names, employers and addresses. Delete all unverified information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: FL

Complaint narrative:
Disputed Account : - XXXXself - Account Number : XXXX Credit Bureaus Notified : XXXX, XXXX, XXXX  Previous Contact Methods : Certified letters to the credit bureaus and direct communication with the creditor listed below. 

Description of the Issue : I am submitting this formal complaint regarding the above-listed credit account, which does not belong to me. 
I have made multiple efforts to resolve this matter : 1. I sent dispute letters to all three major credit bureaus ( XXXX, XXXX, and XXXX  ) stating that this account is not mine. 
2. I contacted XXXXself directly requesting verification and the immediate removal of this inaccurate account. 
To date, I have not received any response from the company, and the inaccurate information remains on my credit reports. 
This is negatively impacting my credit score and causing unjust financial harm. 
Applicable Laws : - Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], credit reporting agenciesare required to investigate disputed information within 30 days.

- Under FCRA 609 [ 15 U.S.C. 1681g ], I have the right to request all information in my file, including the sources and recipients of information.

- Under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information ( like XXXXself ) must not report inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was a tenant at XXXXXXXX XXXX XXXXXXXX. During the time of vacating the apartment - I was levied unscrupulous charges. The inspection was done after 23 days of vacation of my apartment. Forfeited my deposit. Sent the amount due to Debt collection. Debt collectors, despite repeated emails dont clarify.

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 2025-07-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Fraudulent Hard Inquiries and Request for Immediate Deletion under FCRA 605B To : Equifax TransUnion Experian Dear Credit Reporting Agencies, I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit reports as a direct result of identity theft. I have submitted an official FTC Identity Theft Report ( Report # XXXX ), under penalty of perjury, confirming I am a victim of identity theft. My sensitive personal information was compromised in multiple significant data breaches, including XXXX, TransUnion, Equifax, Experian, and XXXX. 

Disputed Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( appears on both Equifax and TransUnion ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( appears on TransUnion ) These inquiries were not authorized by me, and are tied to fraudulent applications made without my knowledge or consent. According to 15 U.S.C. 1681c-2 ( FCRA 605B ), I am asserting my rights to request : 1. Removal of all fraudulent inquiries from my credit files ; 2. A block of any information resulting from identity theft ; 3. No further disclosure or reporting of these fraudulent items. 

Supporting Documentation Provided : FTC Identity Theft Report ( Report # XXXX ) Copy of government-issued ID ( if requested ) Proof of address ( if requested ) Screenshots showing the unauthorized inquiries on my credit report Please consider this letter a formal request for investigation and immediate deletion of the above-listed fraudulent inquiries. Under the FCRA, you are required to complete your investigation within 4 business days upon receipt of this identity theft report and supporting documents. 

Furthermore, I am placing all agencies on notice under UCC 1-308, reserving all rights without prejudice, and requesting that no further inquiries, reporting, or dissemination of fraudulent data occur. 

Should this issue persist or if these items are not removed promptly, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal remedies for the damages caused by continued reporting of false information in violation of the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. I expect a full written confirmation of the deletions within the legally mandated timeline. 

Sincerely, XXXX XXXX FTC Report 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 2025-07-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Fraudulent Hard Inquiries and Request for Immediate Deletion under FCRA 605B To : Equifax TransUnion Experian Dear Credit Reporting Agencies, I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit reports as a direct result of identity theft. I have submitted an official FTC Identity Theft Report ( Report # XXXX ), under penalty of perjury, confirming I am a victim of identity theft. My sensitive personal information was compromised in multiple significant data breaches, including XXXX, TransUnion, Equifax, Experian, and XXXX. 

Disputed Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( appears on both Equifax and TransUnion ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( appears on TransUnion ) These inquiries were not authorized by me, and are tied to fraudulent applications made without my knowledge or consent. According to 15 U.S.C. 1681c-2 ( FCRA 605B ), I am asserting my rights to request : 1. Removal of all fraudulent inquiries from my credit files ; 2. A block of any information resulting from identity theft ; 3. No further disclosure or reporting of these fraudulent items. 

Supporting Documentation Provided : FTC Identity Theft Report ( Report # XXXX ) Copy of government-issued ID ( if requested ) Proof of address ( if requested ) Screenshots showing the unauthorized inquiries on my credit report Please consider this letter a formal request for investigation and immediate deletion of the above-listed fraudulent inquiries. Under the FCRA, you are required to complete your investigation within 4 business days upon receipt of this identity theft report and supporting documents. 

Furthermore, I am placing all agencies on notice under UCC 1-308, reserving all rights without prejudice, and requesting that no further inquiries, reporting, or dissemination of fraudulent data occur. 

Should this issue persist or if these items are not removed promptly, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal remedies for the damages caused by continued reporting of false information in violation of the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. I expect a full written confirmation of the deletions within the legally mandated timeline. 

Sincerely, XXXX XXXX FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UPGRADE, INC.
State: OR

Complaint narrative:
I am writing to file a formal complaint against Upgrade regarding their handling of my debit card dispute, Case No : XXXX, concerning a {$450.00} charge from XXXXXXXX XXXX XXXX on XX/XX/year>, for merchandise never received. My claim was initially filed on XX/XX/year>. 

Upgrade denied my dispute, stating that their investigation concluded no error occurred based on re-presentment documents from the merchant. I vehemently disagree with this conclusion, as I have provided substantial evidence supporting my claim that XXXX XXXX  engaged in fraudulent practices and failed to complete the agreed-upon services. This evidence includes : A screenshot of XXXXXXXX XXXX XXXX original advertisement stating a rate of {$55.00} per hour. 
An email confirming the agreed-upon {$55.00} per hour rate, for which I paid a {$50.00} deposit. 
An unsigned contract from XXXX XXXX  reflecting an inflated price, which I refused to sign. 
Text messages from a former XXXX XXXX  employee indicating they were not paid. 
An abandonment letter from my prior landlord, confirming property was left behind due to XXXXXXXX XXXX XXXX  incomplete service. 
Information regarding XXXXXXXX XXXX XXXX alleged pattern of complaints on the XXXX XXXX XXXX XXXX XXXX XXXX website, including overcharging and not paying employees, and a history of operating under different business names. 
Despite my repeated requests, Upgrade has consistently failed to provide me with a copy of the documents they received from the merchant that led to their decision to deny my claim. This refusal to provide requested investigative documentation is, I believe, a violation of my rights as a consumer under the Electronic Fund Transfer Act ( EFTA ), specifically Regulation E ( 12 CFR 1005.11 ( d ) ( 1 ) ).

Furthermore, Upgrade informed me that my account was closed due to an overdraft directly caused by the denial of my dispute. My patience has been exhausted, and Upgrade 's lack of transparency and refusal to return my rightfully owed funds, despite compelling evidence, is unacceptable.

I seek the immediate return of my {$450.00}, along with the documents Upgrade claims to have received from XXXX XXXX. I believe Upgrade has failed to protect me from a fraudulent transaction and has disregarded consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX * * * * Balance : {$0.00}, XXXX XXXX * * * * Balance : {$0.00}, XXXX XXXX XXXX * * * * Balance : {$710.00}, XXXX : XXXX * * * * Balance : {$0.00}, XXXX XXXX * * * * Balance : {$1300.00}, XXXXXXXX XXXX  XXXX * * * * Balance : {$2800.00}, XXXX XXXX * * * * Balance : {$360.00}, XXXX XXXX XXXX XXXX XXXX * * * Balance {$270.00}, XXXX XXXX XXXXXX/XX/year>. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief