vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
Nothing its still on my credit report after I have disputed several times with XXXX  bout ginnys sayin it can be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: GA

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 seven 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management , LLC, acting as a debt collector ( hereinafter " the Collector '' ), furnished adverse information to one or more Consumer Reporting Agencies ( CRAs ) regarding an alleged debt of {$3400.00}, purportedly owed to XXXX ( hereinafter " the Alleged Debt '' ). The Collector undertook this action without first providing the Consumer with the requisite initial written communication and validation notice as prescribed by Section 809 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a per se violation of federal law. 

On XX/XX/year>, the Consumer transmitted a formal, written Notice of Dispute and Demand for Validation ( hereinafter " the Notice '' ) to the Collector. The Notice addressed the improperly reported Alleged Debt. The Notice unequivocally informed the Collector that the Consumer is a survivor of XXXX XXXX. Pursuant to the Debt Bondage Repair Act ( DBRA ) and its implementing regulation at 12 C.F.R. 1022.142, the Alleged Debt is thereby legally null, void, and unenforceable. The Collector was notified that this status imposes a non-discretionary statutory duty to cease all collection activity, including but not limited to credit reporting, and to permanently delete the associated tradeline.

The Notice further constituted a formal dispute as to the validity of the Alleged Debt under 15 U.S.C. 1692g. A demand was made for strict proof and complete validation of the Alleged Debt, including, but not limited to, a true and correct copy of the executed contract or other instrument bearing the Consumer 's signature that purportedly created the obligation. 

The Collector was explicitly noticed that its continued furnishing of information to CRAs regarding a disputed and legally void debt constitutes a willful and ongoing violation of the FDCPA, including 15 U.S.C. 1692e ( 8 ), and the Fair Credit Reporting Act ( FCRA ). The Collector was instructed to cease and desist all collection and reporting activities unless and until proper validation is provided, notwithstanding the overriding prohibitions of the DBRA. 

The Collector was formally advised that any failure to fully and immediately comply with federal law and the demands set forth in the Notice shall be deemed a willful act of non-compliance. The Consumer expressly reserves all rights to initiate civil litigation to recover statutory and actual damages, attorneys ' fees, and costs, and to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I went to buy a house and ran my credit and saw all these incorrect and fraudulent things on my account. According to FRCA Law 15 U.S.C 1681 c-2 there should not be any damages to my report for that is a defamation of character! 
Disputed Accounts : XXXX XXXX XXXX XXXX  Account # XXXX ( Collection Account ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX ( Charged-off ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Charged-off ) XXXX. XXXX XXXX Account # XXXX ( Past due & closed ) XXXX. XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Late payments incorrectly reported ) XXXX. XXXX Account # XXXX ( Erroneously reported collection )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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 went to buy a house and ran my credit and saw all these incorrect and fraudulent things on my account. According to FRCA Law 15 U.S.C 1681 c-2 there should not be any damages to my report for that is a defamation of character! 
Disputed Accounts : XXXX XXXX XXXX XXXX  Account # XXXX ( Collection Account ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX ( Charged-off ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Charged-off ) XXXX. XXXX XXXX Account # XXXX ( Past due & closed ) XXXX. XXXXXXXX XXXX XXXX XXXX  Account # XXXX ( Late payments incorrectly reported ) XXXX. XXXX Account # XXXX ( Erroneously reported collection )

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Two CCS accounts ( # XXXX and # XXXX ) report identical consumer data with different balances. No validation or ownership documentation received. Duplicate reporting violates Metro-2 2.2 and FCRA 623 ( a ).

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 2025-10-17 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$100.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX XXXX XXXXccount Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX 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 non-monetary relief
Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate, incomplete, and unverifiable information on my credit file. These false and damaging entries have severely harmed my creditworthiness and must be addressed immediately. 

1. Inaccurate Personal Information ( Wrong Addresses ) The following addresses are falsely reported and have no connection to me : XXXX XXXX, XXXX, MI XXXX Wrong Address XXXX XXXX XXXX, XXXX, MI XXXX Wrong Address Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. Reporting unrelated addresses constitutes negligent and harmful reporting.

2. Erroneous Account Information ( Charge-Offs and Bankruptcy ) The following accounts are inaccurately reported as charge-offs and/or bankruptcy, which I dispute as false and unverifiable : Achieve Personal Loans XXXX Date Opened : XX/XX/XXXX {$20000.00} Charge Off XXXX  Bank XXXX Date Opened : XX/XX/XXXX {$15000.00} Charge Off XXXX  Bank XXXX Date Opened : XX/XX/XXXX {$14000.00} Charge Off XXXX  Bank XXXX Date Opened : XX/XX/XXXX {$15000.00} Charge Off XXXX Card XXXX Date Opened : XX/XX/XXXX {$5100.00} Charge Off XXXX XXXX Date Opened : XX/XX/XXXX {$7200.00} Charge Off Bankruptcy Reference # XXXX XXXX Bankruptcy XXXX Reported in Error These derogatory items are damaging, inaccurate, and can not be substantiated. Under FCRA 611 ( Dispute Procedure ), I demand a full investigation and immediate deletion if verification can not be produced.

3. Improper and Excessive Inquiries The following hard inquiries are being reported without my knowledge or authorization : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized or unverifiable hard inquiries violate FCRA 604 ( Permissible Purpose ). These must be removed immediately.

My Demand for Resolution I am requesting the CFPBs immediate assistance in compelling the credit reporting agencies and furnishers to : Remove all wrong addresses. 

Delete or correct the false charge-off accounts and bankruptcy entry. 

Remove all unauthorized and unverifiable inquiries. 

Provide written confirmation of deletion/correction within 30 days, as mandated by law. 

Failure to comply constitutes continued violation of the FCRA and may result in further legal action for damages under FCRA 616 and 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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
For the past two years, I have been charged {$9.00} per month by XXXX through my Apple Card. I have never authorized a XXXX subscription or any recurring XXXX service. Despite multiple attempts, I have been unable to locate or cancel any subscription through XXXX or Apple. 

XXXX has confirmed several times that there is no account or order history under my name, email, or phone number, and that they can not stop the charges because they do not see them in their system. Apple Support has also been unable to identify or cancel the recurring billing on my Apple ID. 

I have disputed these charges multiple times through Apple Card ( Goldman Sachs Bank ). Each time, the dispute was initially refunded but later reversed, with Apple Card stating that XXXX claimed the charges were authorized even though XXXX admits they can not find any record of my account or transactions. 

This appears to be a billing error and unauthorized recurring charge under Regulation Z ( Fair Credit Billing Act ). I have not received any service or benefit for these charges, and there is no way for me to stop them through Apple or XXXX. 

I am requesting that the CFPB require Goldman Sachs Bank and Apple to conduct a proper investigation and permanently stop these unauthorized monthly charges, refunding the full amount charged over the past two years. 

Merchant : XXXX Amount : {$9.00} monthly ( ongoing for ~24 months ) Card Issuer : Apple Card ( Goldman Sachs Bank USA ) Issue : Unauthorized recurring charges ; inability to cancel or resolve through Apple or XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and deleted from my report. It is my understanding that you will conduct a verification process with the relevant creditor who reported this information. I ask that any unverifiable information be promptly removed. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days upon receipt of this correspondence. My personal information has been compromised, and I have attached those documents.

Please provide an updated copy of my credit report to the aforementioned address. Under the provisions of the act, I am not liable for any fees associated with this updated report. Additionally, I request that you notify all entities who have accessed my credit report within the past six months of any necessary corrections.

Thank you for your attention and assistance regarding this matter. 

Sincerely, XXXX 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I never had this account and did not give permission for this to go on. my credit report per use of FCRA, SECTION 611. Please investigate and verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
The account listed is not mine and is inaccurately appearing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
The account listed is not mine and is inaccurately appearing on my credit file.

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 2025-10-17 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: CITIBANK, N.A.
State: LA

Complaint narrative:
The BBY/CBNA charge-off XXXX reports different last-payment dates and activity periods across bureaus. XXXX shows recent payment on XX/XX/XXXX, while XXXX  lists last activity XX/XX/XXXX. Reporting inconsistent activity across CRAs is inaccurate under Metro-2 2.2 and FCRA 623 ( a ) ( 1 ) ( A ). No validation documents or payment history have been provided.

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 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
I was a long-time loyal customer of XXXX for XXXX 20 years. XXXX XXXX XXXX recently installed a fiber network in my neighborhood ; so I made the decision to switch to a modern faster provider at a lower price. I personally drove to the XXXX retail store and returned all of their equipment while asking them to disconnect my service. I had paid the final bill ; so at that time, it was my understanding that my account balance was {$0.00}. About 90 days later, I received a notification from XXXX of the credit bureaus that I had a collections account on my file in the amount of {$150.00}. I tracked that collections action to XXXX, who I immediately called to dispute the charge. I was informed that I owed {$150.00} for an early termination fee ; so I paid the past due amount of {$140.00} in full over the phone while I was speaking with their representative. The payment date was XX/XX/year> and the confirmation # is XXXX. 
I am very upset about this situation because I had received no bills in the mail or phone calls about this debt from either XXXX or the collections agency ; however it has negatively affected my XXXX XXXX with a XXXX point drop on my TransUnion file. It is my understanding that when XXXX handed my debt over to a collections agency, that agency was required by law to notify me in writing. 
Since my first notification of this issue was an alert from a credit bureau, and not a letter or call from the collection agency, it is my belief that the collection agency violated the FDCPA. The failure to provide written notice and an opportunity to dispute is a significant compliance failure on their part. 

My XXXX Account # was : XXXX The Collection Agency is : Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( I do not have an account number, as I never received a notification )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation