vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: KY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, ky, XXXX ] [ XX/XX/year>2025 ] [ CREDENCE RESOURCE MANAGEMENT ] [ XXXX XXXX XXXX, XXXX XXXX, ga XXXX ] Re : Request for Debt Validation Account # XXXX To Whom It May Concern : I am writing in response to your collection notice dated [ insert date of the notice ] regarding the alleged debt referenced above.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting * * validation and verification * * of this debt. Please provide all of the following : 1. The name and address of the original creditor.

2. The original account number ( if available ).

3. The amount of the alleged debt, including a breakdown of interest, fees, and other charges.

4. Documentation that proves I am legally obligated to pay the debt ( e.g., a signed contract or itemized bill ).

5. A copy of any judgment ( if applicable ).

6. Proof that you are authorized to collect on behalf of the original creditor.

Please cease all collection activity, including phone calls and reporting to credit bureaus, until this validation is provided. If you can not provide this information, you must stop all collection efforts and remove any negative information you may have reported to credit reporting agencies.

This is not a refusal to pay, but a request for verification. I will require at least 30 days to review any information you send.

Please respond in writing to the address above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the ( Bureaus Name ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Obsolete Inquiries ( Over 2 Years Old or No Longer Valid ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested Action : Immediately delete all listed inquiries from my Equifax credit file. 


Provide a confirmation letter reflecting the deletions. 


Provide documentation of any inquiry you deem valid, including signed authorization. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Each has reported one or more 3090 day lates Most accounts are closed, with long-standing or disputed negative info Since your records do not show all tradelines from these accounts, please ensure that no incorrect or unverified late payments remain on my file. 
Please also ensure my file only contains accurate and verifiable information, and confirm all updates to me in writing. 

I am writing to dispute a collection account that is being inaccurately reported by XXXX XXXX XXXX on my Equifax credit file. The account number is XXXX with a reported balance of {$1300.00}, originally opened on XX/XX/XXXX. 

Disputed Accounts : XXXX XXXX Acct # XXXX XXXX  Bank Acct # XXXX ( Only these were found actively reporting to Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer in the amount of {$120000.00} from my XXXX XXXX account using what I believed were legitimate wire instructions for a real estate closing. On XX/XX/year>, we discovered that the instructions were fraudulent and that we had become victims of a XXXX XXXX XXXX ( XXXX ) scam. The funds were sent to a fraudulent account. 

We immediately notified our financial institution on XX/XX/XXXX, and they initiated a wire recall to the receiving bank, U.S. Bank. U.S. Bank acknowledged the request and opened CASE XXXX, reportedly due to a mismatch between the beneficiary name and the account number. We believe they may have also filed a Suspicious Activity Report ( SAR ) as part of their internal investigation. 

We are deeply concerned that U.S. Bank has not acted with sufficient urgency despite the wire being flagged for fraud. They may have failed to follow proper procedures under XXXX Article XXXX, which requires corrective action when a mismatch between the beneficiary name and account number is identified. 

The delay in recovering the funds is putting us at risk of losing the entire {$120000.00}, in addition to a {$6000.00} XXXX money deposit related to the failed home purchase. The financial and emotional impact has been severe. We are simply seeking assistance to recover what was wrongfully taken from us. 

We respectfully request the XXXX assistance in compelling U.S. Bank to : Confirm the status and location of the wire funds ; Take immediate action to reverse or recover the funds ; and Provide a written explanation for the delay in processing the recall request under CASE 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 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Bureaus Name ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Below is a list of inquiries I demand to be removed : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-25 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: 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. 

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  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: MOHELA
State: MD

Complaint narrative:
I filed a complaint with MOHELA ( XXXX ) on XX/XX/XXXX and still no answer. Today is XX/XX/XXXX. Due to their lack of response, and willingness to send incorrect information to the XXXX credit bureaus, I am literally losing my retirement home purchase because of MOHELA 's incorrect reporting and lack of response. I had outstanding credit and each day that passes with no answer, is another day of higher rates for a credit score that fell XXXX points due to MOHELA 's unethical reporting. I was in the process of buying/selling a home for my retirement. XXXX  has fixed the issue, but XXXX XXXX XXXX  is still showing XXXX days delinquent payments. I have never heard of MOHELA until my credit was ran for a home purchase. As stated in my complaint, I was never contacted and/or notified that my loan was sold to MOHELA. This company is financially dangerous and reckless with its consumers information, false credit reporting. I paid all balances that they stated was in arrears, yet they continued to send reporting to the credit bureaus while the account shows current on their website. 

At this point, I would like to request that this situation be escalated and MOHELA be forced to answer my complaint. In addition to the many lawsuits filed against this company, it needs a deep dive investigation into its shoddy business practices. I have tried repeatedly to fix this issue with MOHELA, but you can not get through either on phone and/or a response to e-mails. I can assure you that this company will not answer the complaint ever and I will be stuck in this limbo without any resolution without help. 

Thank you in advance for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
fraudulent accounts incorrect addresses never lived here XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
fraudulent accounts incorrect addresses never lived here XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been proivided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of several breaches showing my information being exposed in a national databreach, and a Validation of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
reviewed my consumer reports and noticed that I had XXXX late payments on an account that I had never been late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I have never been late on payments for the accounts listed in the attached screenshots, specifically on the dates of [ XX/XX/year> ] I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I demand that these payments be updated to " Paid as Agreed '' and reflect that they were on time, as they should be. Thank you for your attention to this matter. Please see the attached screenshots for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
reviewed my consumer reports and noticed that I had XXXX late payments on an account that I had never been late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I have never been late on payments for the accounts listed in the attached screenshots, specifically on the dates of [ XX/XX/year> ] I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have a vital role and a responsibility to report consumer information with maximum accuracy. I demand that these payments be updated to " Paid as Agreed '' and reflect that they were on time, as they should be. Thank you for your attention to this matter. Please see the attached screenshots for reference.

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 2025-05-25 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: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. 2 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. Credit bureaus are reporting different information. According to the FCRA XXXX USC XXXXg failure to provide debt verification and requesting account statements is grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from Transunion and Equifax credit reports. Also - one credit agency showing " closed account '' and other credit agency showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging. These accounts have been removed from XXXX due to failure to validate debt/account. Other 2 agencies ( Transunion and Equifax ) also need to delete.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'Account info XXXX\nAccount name\nXXXX 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 2025-05-25 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: FL

Complaint narrative:
b'Account info XXXX\nAccount name\nXXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/year> PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Cease and Desist Communication Regarding Debt Account Number : XXXX Dear PORTFOLIO RECOVERY ASSOCIATIONS ; I am responding to your contact about a debt you are trying to collect. You contacted me by credit report, on XX/XX/year>. You identified the debt as : COLLECTION, ORIGINAL CREDITOR : XXXX XXXX XXXX, ACCT # : XXXX, DATE OPENED : XX/XX/year>, COLLECTION, BALANCE : {$510.00}, Please stop all communication with me about this debt, except for written confirmation that you will comply with this request, sent to my address listed above. 

You can contact me about this debt, but only as listed below. Dont contact me about this debt in any other way, or at any other place or time. It's inconvenient for me to be contacted, except : By mail : XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Note that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is in dispute. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I was notified of XXXX hard inquiries on my credit report that I did not authorize. XXXX of them was from XXXX XXXX ( XX/XX/XXXX ) and XXXX from JP Morgan ( XX/XX/XXXX ). I do not recognize these and am disputing them now. I am worried somebody has my identity. Recently I have had cards used that I have had to cancel and phone calls from unknown sources. Im looking to resolve as this issues is deepening since someone has access to my personal information enough to generate a hard inquiry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: IL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To inform them that the collections that was previously paid off to the original company XXXX is constantly being updated to the current year. This will make it difficult to remove. I called XX/XX/year> and XX/XX/year> asking them to remove this collection that was paid and resolved with previous company off my report and stop updating it to be current to equifax. I was told Id receive a letter in the mail within 10 days and I still havent received any letter clarifying that this debt was paid. 
I paid the original debt to XXXX. They reported it to the collections. The collections has the wrong date of pay off and it is considered invalid. Creditors or collectors are not allowed to report inaccurate information to my credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Transunion and XXXX XXXX has failed multiple time to verify the date the debt was paid off.

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 2025-05-25 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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