vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-16 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: GA

Complaint narrative:
To Whom It May Concern : I am responding about the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am disputing this debt and requesting full validation. 

Please provide the following : The name of the original creditor and the full account number. 

A detailed accounting of the alleged debt, including how the amount was calculated. 

A copy of any judgment ( if applicable ). 

A copy of the original signed agreement or contract creating the obligation. 

Proof that your agency is licensed to collect debts in my state, if applicable. 



Until you provide this documentation, you must cease all collection activities, including reporting the alleged debt to credit bureaus, or must mark it as disputed if already reported. 



Please send your response to the address listed above. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm Virtual Card for a {$370.00} purchase from XXXX ( Loan ID : XXXX, Case ID : XXXX ). I received the product on XX/XX/year> and requested a return on XX/XX/year> within the merchants XXXX policy, with photos and full packaging. I also notified Affirm and asked them to pause payments/interest. 

Affirm opened a dispute but later closed it without resolution. My account still shows overdue payments ( {$39.00} ) even though the return was initiated properly and I have no benefit from the product. Affirm confirmed receipt of my return request and evidence but failed to adjust my loan. 

This is unfair handling of a dispute and risks harming my credit. 

Desired Resolution : Close the loan and confirm I am not responsible for repayment. 
Ensure no negative credit reporting. 
Confirm refund process is completed with merchant before holding me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CO

Complaint narrative:
The reported item does not align with my payment history and appears erroneous. Kindly review and amend it accordingly.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: AL

Complaint narrative:
Huntington Bank, Michigan I moved out of state, transferred and empty all my accounts to zero in XX/XX/year>. Change my address information. They mail me a bill for fees. I contacted them several times, they wanted me to pay the fees, which we did. XXXX later they sent another notice about the fees. I call and they keep transferring me to another office, saying that they can not close the accounts. Always end up talking to a non-usa call center, No results. I am XXXX miles away from any branch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Unverified Collection Reporting Account # : XXXX ( Original Creditor : XXXX XXXX XXXX ) Reports a {$4600.00} balance though the original balance was {$3300.00}. Dates inconsistent. XXXX lists completed investigation consumer disagrees without validation. Violates FCRA 607 ( b ).

Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted. 

XXXX XXXX XXXX Improper Spectrum Collection Reporting Account # : XXXX ( Original Creditor : Spectrum ) Reports {$1000.00} balance. Marked Account disputed under FCRA but no signed contract or billing validation provided. Violates FCRA 607 ( b ).

Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted. 

LVNV Funding LLC Improper Collection Reporting Account # : XXXX ( Original Creditor : XXXX XXXX XXXX ) Reports {$980.00} balance with inconsistent reporting across bureaus. No documentation of legal assignment or ownership provided. Violates FCRA 607 ( b ).

Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Collection Account # : XXXX ( XXXX  ) and XXXX XXXX XXXX  ) XXXX Original Creditor : XXXX XXXX XXXX. ) Reports {$560.00} balance. Duplicative of LVNV Funding account. No proof of assignment or chain of title provided. Listing duplicates violates FCRA 607 ( b ).

Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable or duplicate accounts must be removed. 

Upstart SMB/CRB Improper Business Loan Reporting Account # : XXXX Reports {$11000.00} balance charged-off. No signed business loan agreement or validation provided. Reporting dates inconsistent. Violates FCRA 607 ( b ) and 611 ( a ).

Under FCRA 623 ( a ) ( 3 ), unverifiable or inaccurate accounts must be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: MN

Complaint narrative:
I have a collection from XXXX XXXX apartments from XXXX or XX/XX/XXXX but I living in XXXX sense XX/XX/XXXX and I have a appointment lease at XXXX XXXXXXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX to the present so I can not do a lease contract at XXXX XXXXXXXX XXXX in XXXX or XX/XX/XXXX I was working here in XXXX sense XX/XX/XXXX to the present

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint against Experian regarding the handling of my credit report, specifically related to Report Number XXXX.Dated back to XXXX all the way to this year. Despite my repeated disputes and requests for validation of the debt listed, Experian has failed to properly validate the debt, and this ongoing failure constitutes violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Background : I have submitted multiple disputes to Transunion regarding an alleged debt. Each time, I have requested that they validate the debt as required under the FDCPA, and I have asked for full documentation that proves the legitimacy of this debt. Additionally, I have requested that Experian comply with the FCRA by ensuring that the information is accurately reflected on my credit report, in light of my ongoing disputes. 

Issues : Failure to Validate Debt : Despite my repeated requests for debt validation, Transunion has failed to provide the required documentation supporting the debt in question. Under Section 809 of the FDCPA, I am entitled to receive a detailed validation of the debt within XXXX days, which I have not received. 

Failure to Correct Credit Report : Under the FCRA, Experian is required to investigate my disputes and update my credit report accordingly. I have submitted multiple disputes, but the incorrect and unvalidated information has remained on my report, negatively impacting my credit standing. 

Violation of FDCPA : The continued reporting of an unverified debt, despite my clear and timely disputes, is a violation of the FDCPA. I believe Experian has failed to follow proper procedures and provide evidence of the debt 's validity, and this has caused me undue harm. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau intervene to investigate this matter and ensure that Experian : Validates the Debt in accordance with the FDCPA. 

Corrects my Credit Report by removing any unverified and inaccurate information in accordance with the FCRA. 

Provides Documentation supporting any claims made regarding this debt. 

Complies with Federal Regulations regarding consumer rights under the FDCPA and FCRA moving forward. 

I have attached relevant documentation, including the details of my prior disputes and any responses from Transunion, for your reference. 

Please let me know if any further information is required to process my complaint. I appreciate your attention to this matter and look forward to your assistance in resolving this issue 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
on XX/XX/year> I received a call from a XXXX XXXX phone number - the person on the line identified themselves as a XXXX XXXX representative and stated that my account had been compromised. They had my personal information - account numbers- name- phone number ect. They then said the funds needed to be transferred to a different account and walked me through the process. They then set up a cash app account with my phone number and XXXX XXXX account info and withdrew my money. I have called XXXX XXXX and they have helped me to close those accounts and set up new ones as well as dispute the transactions. I also contacted Cash app and they said that my account info was listed under another persons name and they would not stop the transactions ( which show pending ) they also said that they do not have a customer services department to help with this but count email me with questions that could help. I asked repeatedly to speak with a supervisor or a Fraud department and was told there was nothing they could do and they would not stop the pending transactions even though they knew the money was being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: NV

Complaint narrative:
Collection agency is not the original creditor. No documents of loan or debt were signed for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : LVNV Funding Improper Collection Reporting I disputed the LVNV Funding collection account # XXXX. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I am a victim of identity theft and previously submitted disputes under FCRA 605B, along with all required documentation : - FTC Identity Theft Report - Police report - Copy of government-issued ID - Proof of address The fraudulent accounts that I requested to be blocked and removed are : - Upgrade {$1000.00} ( Acc # XXXX4533 ) - NCB Management {$1000.00} Equifax has failed to comply with FCRA 605B ( c ), which requires them to block such information within XXXX business days. 
Their continued reporting is unlawful and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called several times over last XXXX years to have interest lowered and instead it increases, higher than monthly balance due. I have had card for over XXXX either great credit and still am always told they have different team to periodically review. The card has NEVER been reviewed or lowered, its ridiculous!

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
applied at bj dartmouth ma for capital one bj credit card. girl at courtesy counter put in my granddaughter name with my soc.sec. no. and income on XX/XX/year>. Received letter from capital one saying can not process XXXX XXXX application need more infor. I went back to XXXX XXXX XXXX ma. At courtesy desk girl cancelled XXXX application and put in my name XXXX XX/XX/year>. On XX/XX/year> received letter dated XX/XX/year> that my application can not be processed based on a current pending application. I called capital one serveral times spoke with many different people in XXXX XXXX. 
told it was cancelled. I still have not received any capital one bj credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$15000.00} Account name XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am requesting assistance to add my wife, [ Wifes Full Name ], as a joint account holder on my account. She is a lawful U.S. permanent resident ( XXXX XXXX holder ) and has valid identification, including her Social Security card and passport. She can also provide medical insurance documentation and medical statements that clearly show her name and residential address. 

The branch has requested a utility bill as proof of address. However, all utility accounts for our residence are solely under my name, and the utility companies do not allow more than XXXX account holders name to appear on the bills. Because of this, my wife is unable to present a utility bill in her own name. 

I respectfully request that XXXX accept her government-issued identification and medical statements as proof of residency, consistent with federal Know Your Customer rules, which require reliable proof of identity and address but do not specifically mandate a utility bill. If additional documentation is necessary, please let us know what acceptable alternatives exist under XXXX policy so that my wife may be added to the account without further delay. 

Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation