vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Equifax Information Services XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data. 

Disputed Account Details : 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 XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including : - Copy of ID - SSN - Proof of Address According to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly. 

Request for Action : 1. Remove or Correct the Inaccurate Account : Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus. 
2. Provide a Written Response : I expect a written acknowledgment of your receipt of this dispute within five ( 5 ) business days, and a final resolution within the legally mandated timeframe.

3. Notify the Bureaus : If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.

Failure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

Legal Notice : Please be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.

Thank you for your prompt attention to this matter. Please send any responses or updates to XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I have requested an itemized statement from Credence Resource Management and they are refusing to send us any information about our debt. We were not sent any type of paperwork through the USPS or email. They only sent us a text with the money amount owed, which seems very unprofessional. When we asked for a mailed copy of the collections paperwork, we were informed unless we set up a payment plan with them they would not be sending us any information about our debt in either paper form or email. We feel like we were coerced into starting payment just to get the info we requested. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I was advised by my bank that I was 357 days delinquent on my student loans when I applied for a loan today ( XX/XX/XXXX ). They advised me to contact my Student Loan provider. After contacting my student loan provider on today ( XX/XX/XXXX ), I confirmed that the phone number they had on record for me was incorrect. Furthermore, I have never received any phone calls, written correspondence, or email notification regarding the alleged late payments or delinquency. The servicers failure to notify me through accurate and verifiable means demonstrates a lack of proper communication and due diligence on their part. 

My loans were in deferment due to my daughter being enrolled in college. I was completed unaware that the loans were no longer in deferment. 

Due to this situation, my credit score has been tremendously affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX XXXX, I filed a dispute with Experian regarding an XXXX XXXX account that was being reported as charged-off with a {$2300.00} balance. I provided documentation showing the information was inaccurate and requested verification from the furnisher. 

Despite my dispute, Experian continued to publish and circulate the false charge-off on my credit report dated XXXX XXXX XXXX well beyond the 30-day reinvestigation period required by 15 U.S.C. 1681i ( a ) ( 1 ). No supporting documentation or verification was ever provided.

On XXXX XXXX XXXX, Experian finally deleted the account and confirmed it had been removed, which proves the prior reporting was unverifiable. During the two-month delay, my creditworthiness was harmed by the continued presence of a false charge-off.

I believe Experian violated FCRA 607 ( b ) and 611 ( a ) by failing to ensure maximum accuracy and by not completing the reinvestigation in the required time frame.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am disputing all negative or derogatory account information appearing on my credit report that is inaccurate, incomplete, or can not be verified. I have submitted formal dispute letters to Experian, Equifax, and TransUnion under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

The items in question have not been properly verified, yet they continue to appear on my report and negatively impact my credit profile. I am requesting that a full reinvestigation be conducted, and that all unverifiable, inaccurate, or outdated information be deleted or corrected immediately. 

I have attached copies of my identification, proof of address, and supporting dispute letters. I appreciate the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

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 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
On XX/XX/year> By certified mail I requested Capio Partners LLC to provide validation of {$90.00}. Theyre trying to collect from me.. 
On XXXX/XXXXXXXX I received a response to my request of validation. The documents they provided are inadequate unprofessional, and Lack verification that I requested. I have no idea what theyre showing me but its nothing that I requested. Im on Disability Social Security Benefits.. The Judgement proof Law protects my assets from being garnish. 
The documents they provided have a Address at XXXX XXXX XXXX XXXX OH I never had residency at that address. 


According to Fair Debt Collection Practices Act ( FDCPA ), which requires Capio Partners LLC to provide debt validation upon request. This is a violation because it can lead to false, deceptive, or misleading practices and may subject the collector to lawsuits from the consumer and enforcement actions from government agencies. The FDCPA is a federal law that protects consumers from abusive debt collection tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint through my authorized representative, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, under the Consumer Authorization & Limited Assignment Agreement dated XX/XX/year>. I am reporting serious and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) by Equifax. 

Despite my formal dispute filed on XX/XX/year>, the credit bureaus continue to publish and circulate inconsistent and inaccurate information regarding several of my accounts, including XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. Each bureau reports conflicting statuses, payment histories, and dispute remarksfor example, labeling accounts both Closed and Charged Off, or keeping Consumer Dispute notations even after resolution. These differences clearly show that the bureaus failed to maintain complete and verifiable data as required by law. 

Their failure to correct or delete these inaccuracies within the 30-day statutory period has caused measurable harm to my credit reputation and my ability to obtain fair credit opportunities. I am requesting that the CFPB investigate the actions of these credit bureaus, verify their compliance with FCRA reinvestigation requirements, and ensure that all unverifiable or inconsistent data be corrected or permanently removed. All future communications and investigation results should also be sent to my authorized representative, XXXX XXXX, XXXX XXXX XXXX, XXXX, per the authorization on file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was at my sisters home for lunch. I started to get odd messages saying I was taking money out of the ATM. Within 10 minutes my bank account was wiped out. I called Chase Bank and reported fraud. On XX/XX/XXXX I received a letter from chase saying I will not get my money back because I cant prove it was not me. I dont understand how this is legal, a thief stole my money and they did not try to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi XXXX  card in the beginning of XXXX  to do a balance transfer. It took about eight months to happen. There was always some extra question that this company had regarding my credit, even though it was hovering around the high XXXX. When I finally finished all the criteria, the transaction for balanced transfer went into effect, except whoever input my credit card number for the account I wished to transfer over to Citi mis-typed two numbers. Thus, they digitally transferred a lot of money to the wrong account and I now have two very large balances on two different accounts. I called and they opened an investigation, but I am so frustrated as I have not had a good experience with Citi at all. There seems to be many incompetent employees who do not know what theyre doing. When I first saw that I still had two high balances on each card, I called them and they told me that it sometimes takes a few weeks. Now I know why it never happened in the first place. Because of their delays and major error, I have paid many months of interest payments and I am very worried about my credit score until this issue gets resolved. I am reporting this because Citi does not act quickly, and this is one issue that needs to be resolved sooner than later.

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 2025-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: WI

Complaint narrative:
My XXXX yr old child has an account on cash app to which I was the sponsor that he no longer had access to. Being his parent, I called customer service to address closing the account on XX/XX/year>XXXX  and sending whatever funds were in there to my account or to a new cash app account my son has. They recommended I set up a new account for my son and set up sponsorship on that account and they would be able to close his old account and transfer any remaining funds to his new account. I did everything they asked, they then recommended I remove sponsorship from the old account because I had no room left to sponsor a new account so I did that. That is when all the issues started. I was on the phone with them 8 different times all on different days and the first call happened a little over 3 weeks ago. The last call I made was earlier this evening on XX/XX/year>XXXX  to which I was once again told they could not help me with anything. My son gained access back to his old account as we got that old phone fixed. But now that he has no sponsor, he has no ability to use the account. The call I made earlier today was to place the sponsorship back on his account as I am his parent. I was told I could not do that and that I would have to try again in 7 days. So I asked for my mother to do it as she is guardian of him at this time and they denied the request. There is currently {$93.00} in the account and we have not been able to close the account nor have we been able to reset his number or email so he can gain access to his account again. They have done nothing but wasted HOURS of my time by placing me on hold to " check something '' then had all these different recommendations to which every one of them lead NOWHERE and no outcome. So basically we are sapose to just say XXXX the {$93.00} dollars because cash app will not help us with our cash app account?! This is ridiculous and it's gone on for weeks now with nothing being solved. I filed 2 different complaints or disputes with them to which none of them got back to me on them. I am not understanding why this is happening? They told me unless he has access to his account to send me a request to be his sponsor again or if I had access to his old device with the account that nothing could be done. Well they won't let him use the account because he is a minor and they will not let me his parent set up sponsorship so they are putting me in a position to fail in my opinion and I'm tired of getting no answers. It would help if at least one of them spoke XXXX to where I could understand them. My experience all around is horrible and I want this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR THE HOME DEPOT/XXXX XXXX XXXX XXXX XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers 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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear COMENITY XXXX XXXX XXXX XXXX XXXX : There are 2 accounts i'm not aware of from XXXX and XXXX XXXX cards : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate.

Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. The following accounts are results of Identi
ty theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTXXXX 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 XXXXXX/XX/year>

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 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CAP1/KOHLS DEPARTMENT STORE XXXXXXXX XXXX XXXX XXXX XXXX  : When I reviewed my credit report recently, I was surprised to see late payments reported on my account on or about XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX  I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I handled this debt over a year ago. It was put on my credit report by another debt collector and I furnished proof of insurance and other documents. I had to contact the hospital because it was a billing error and it was removed off my credit report. Now years later XXXX XXXX XXXX bought a debt that has been resolved and put it on my credit report. XXXX XXXX has been sued for this same thing and has numerous complaints with the XXXX  and other agencies. As a result my credit has taken a hit for a matter that has been resolved. I also haven't received any communications from XXXX XXXX XXXX with any explanation of any debts owed. I only found out by being alerted that my score had dropped.

Company response to consumer: Closed with non-monetary relief