vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing the accuracy of a collection account being reported on my credit report. The account is reporting a balance and delinquent status that I believe is inaccurate and has not been properly verified.

I have not been provided documentation validating this debt, including proof of my responsibility, an itemized breakdown of the balance, or confirmation that the reporting is complete and accurate. Additionally, the account appears to be reporting inconsistently across credit bureaus and may be improperly re-aged or duplicated.

I am requesting a full investigation into this account and verification of the information being furnished to the credit reporting agencies.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: AR

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If you are not able to provide this, please delete the account you have wrongly created as soon as possible or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
I am a verified victim of identity theft and have already filed an official FTC Identity Theft Report ( FTC Report No. XXXX ). 

Despite this, TransUnion, Experian, and Equifax continue reporting fraudulent accounts and unauthorized credit inquiries that do not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ).

FRAUDULENT ACCOUNTS ( IDENTITY THEFT MUST BE BLOCKED AND DELETED UNDER 15 U.S.C. 1681c-2 ) : 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 ( multiple collection accounts including XXXX, XXXX, XXXX, XXXX, XXXX ) UNAUTHORIZED CREDIT INQUIRIES : All credit inquiries made by the above-listed creditors and any other third parties appearing on my credit reports that are NOT associated with a valid, open, or authorized account. I did not apply for credit, authorize access, or provide permissible purpose to any of these entities. 

LEGAL VIOLATIONS : 15 U.S.C. 1681c-2 Failure to block identity theft information 15 U.S.C. 1681b ( a ) No permissible purpose for inquiries 15 U.S.C. 1681e ( b ) Inaccurate reporting 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate 15 U.S.C. 1692e / 1692f Collection of debts not owed REQUESTED RESOLUTION : Immediate and permanent deletion of all fraudulent accounts and ALL unauthorized inquiries, and prevention of any reinsertion.

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 2025-12-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against Bank of America XXXX  Debit Card Locked Product : Prepaid card / Debit card Issue : Trouble using card / Account frozen or closed Company : Bank of America Complaint Narrative : I am filing a complaint against Bank of America regarding the improper locking of my California XXXX XXXX XXXX  ( XXXX ) debit card. 

Bank of America locked my XXXX debit card without adequate notice or a clear explanation, preventing me from accessing my unemployment benefit funds. These funds are essential for basic living expenses, including rent, food, and utilities. Despite my attempts to resolve this issue, Bank of America has failed to restore access to my funds in a timely and reasonable manner. 

My XXXX debit card was suddenly frozen. I was not provided with advance notice, a specific reason for the lock, or clear instructions on how to resolve the issue. I contacted Bank of America customer service so many times ], but I received inconsistent information, long delays, and no meaningful resolution. In some instances, I was told the issue was related to security or verification without any details or timeline for release of funds. 

Bank of Americas actions have caused financial hardship, stress, and disruption, as these are government-issued unemployment benefits meant to be readily accessible. I have complied with all identity verification requirements to the best of my ability, yet my account remains locked and my funds inaccessible. 

I believe Bank of America is failing to properly administer XXXX benefit accounts and is unfairly restricting access to government funds without due process or timely resolution. 

Desired Resolution : Immediate unlocking of my XXXX debit card Full access to all funds without further delay A clear written explanation for why my card was locked Assurance that this will not happen again without proper notice

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 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
In approximately late XX/XX/2024 I switched wireless carriers from XXXX to XXXX. At the time of the switch, I was informed that I had a remaining balance of approximately {$600.00} with the original carrier. 

XXXX provided a XXXX payment card specifically intended to pay the remaining balance with the original carrier. Shortly thereafter, I contacted the original carrier by phone to pay the balance. I was told that payment could not be accepted at that time and that a final bill would be issued, at which point payment could be made. 

Over the following weeks and months, I made additional attempts to resolve the balance, including contacting customer service through chat and visiting a retail location. Each time, I was told that payment could not be accepted and that a final bill would be sent. No final bill was ever issued or received. 

In XXXX, I experienced job loss and financial hardship. During this period, the XXXX payment card provided by XXXX expired unused due to the original creditors failure to issue a final bill or accept payment. 

I later began receiving repeated telephone calls from Credence Resource Management LLC attempting to collect this alleged debt. Prior to these calls, I did not receive written notice, validation of the debt, or documentation showing how the amount was calculated or that Credence had legal authority to collect it. 

I am disputing this debt as presented and object to collection activity without proper validation. I am requesting that the collector provide full documentation of the debt, cease telephone contact, and correct or withdraw any inaccurate credit reporting. I am willing to resolve legitimate obligations but believe this matter arose from the original creditors billing and payment failures rather than refusal to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have disputed over Lvnv Funding, I tried several times and they did not or refused to send me any paperwork that the debt was owed, I disputed off my credit over 3 times and they won't remove it. It has tanked my score and financial ability to use my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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:
I am a verified victim of identity theft and have already filed an official FTC Identity Theft Report ( FTC Report No. XXXX ). 

Despite this, TransUnion, Experian, and Equifax continue reporting fraudulent accounts and unauthorized credit inquiries that do not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ).

FRAUDULENT ACCOUNTS ( IDENTITY THEFT MUST BE BLOCKED AND DELETED UNDER 15 U.S.C. 1681c-2 ) : 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 ( multiple collection accounts including XXXX, XXXX, XXXX, XXXX, XXXX ) UNAUTHORIZED CREDIT INQUIRIES : All credit inquiries made by the above-listed creditors and any other third parties appearing on my credit reports that are NOT associated with a valid, open, or authorized account. I did not apply for credit, authorize access, or provide permissible purpose to any of these entities. 

LEGAL VIOLATIONS : 15 U.S.C. 1681c-2 Failure to block identity theft information 15 U.S.C. 1681b ( a ) No permissible purpose for inquiries 15 U.S.C. 1681e ( b ) Inaccurate reporting 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate 15 U.S.C. 1692e / 1692f Collection of debts not owed REQUESTED RESOLUTION : Immediate and permanent deletion of all fraudulent accounts and ALL unauthorized inquiries, and prevention of any reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
I am a verified victim of identity theft and have already filed an official FTC Identity Theft Report ( FTC Report No. XXXX ). 

Despite this, TransUnion, Experian, and Equifax continue reporting fraudulent accounts and unauthorized credit inquiries that do not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ).

FRAUDULENT ACCOUNTS ( IDENTITY THEFT MUST BE BLOCKED AND DELETED UNDER 15 U.S.C. 1681c-2 ) : 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 ( multiple collection accounts including XXXX, XXXX, XXXX, XXXX, XXXX ) UNAUTHORIZED CREDIT INQUIRIES : All credit inquiries made by the above-listed creditors and any other third parties appearing on my credit reports that are NOT associated with a valid, open, or authorized account. I did not apply for credit, authorize access, or provide permissible purpose to any of these entities. 

LEGAL VIOLATIONS : 15 U.S.C. 1681c-2 Failure to block identity theft information 15 U.S.C. 1681b ( a ) No permissible purpose for inquiries 15 U.S.C. 1681e ( b ) Inaccurate reporting 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate 15 U.S.C. 1692e / 1692f Collection of debts not owed REQUESTED RESOLUTION : Immediate and permanent deletion of all fraudulent accounts and ALL unauthorized inquiries, and prevention of any reinsertion.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed the continued reporting of a paid collection account. 

On XX/XX/year>, I submitted a written dispute to Equifax concerning a collection tradeline reported by XXXX XXXX XXXX XXXX, with XXXX  listed as the original creditor ( Account No. XXXX ). The Equifax report shows the collection as paid with a XXXX balance as of XX/XX/year>, yet it continues to appear as a derogatory collection item. In my dispute, I challenged the accuracy, completeness, and continued negative reporting of this paid collection and requested full verification of the underlying debt, dates, and legal basis for continued reporting. 

Despite this notice, the collection tradeline remains on my Equifax credit report as a negative item without clear documentation establishing an accurate and lawful basis for continued derogatory reporting after the balance was paid. The report does not clearly present complete information regarding the original debt amount, the date of first delinquency, the resolution of the account, or why a paid and closed collection continues to be reported in a manner that is adverse. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher and collection agency, XXXX XXXX XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified. 

The continued reporting of a paid collection as a derogatory item, without clear verification of the debt details and a lawful basis for ongoing negative reporting, is misleading to users of my credit report and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit Collection Services is trying to Collect a Debt not owed. I Purchased Car Insurance from XXXX XXXX the Day I totaled my Vehicle. The following Month they Billed me for a Bill not owed. I Purchased Insurance on the XXXXXXXX XXXX  XX/XX/year>. Cancelled on the XXXX XXXX. Again the Car was totaled. They have since written it off. And Credit Collection A Debt Buyer has Purchased this Said Debt. No Valadation or Proof of Purchase has been Issued to me for Validation. This is Destroying my Credit. And my Livelihood to Care for My Family I have a Law Suit Pending on XXXX XXXX due to the Coverage of the Accident. I have since filed a Claim with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I asked them for debt validation, asked for a copy of original contract with my signature.asked for a full detail list of payment history on this account.chain of title that they have to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Management Services, Inc.
State: NV

Complaint narrative:
This debt is not from me. I am a victim of identity theft which is why I now have a password on my credit. I have tried to resolve this numerous times with no resolve. I am not responsible for this debt.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> fifth third bank amount XXXX is not my account and if identity theft please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting an installment tradeline furnished by XXXX XXXX as XXXX  days past due, with a reported balance of approximately {$1300.00}. The tradeline reflects a first major delinquency reported in XX/XX/year> and is being treated as a significant adverse factor on the credit report. The tradeline is reported with limited and incomplete payment history, and Equifax has not demonstrated that it reviewed original source documentationsuch as a signed agreement, a complete itemized payment ledger, or documentation supporting the delinquency calculationto substantiate the accuracy or completeness of the information being reported. This XXXX XXXX tradeline represents the only materially adverse or derogatory account currently being reported by Equifax. I disputed the accuracy and completeness of this information and requested proper verification. Despite this, Equifax continued reporting the tradeline without demonstrating that a reasonable reinvestigation was conducted or that the information was independently verified. 
In addition, Equifax is maintaining multiple prior or variant addresses on the credit file that are not associated with any current or verified creditor relationship. These unverified addresses appear to be used as identity-matching data during verification of the disputed tradeline, which raises concerns regarding unreliable reinvestigation and potential file contamination. Because the tradeline relies on incomplete account data and disputed identity information, the continued reporting is inaccurate and materially misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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:
Complaint : I am filing this complaint against Equifax Information Services LLC for unlawful reporting, disclosure, and continued furnishing of inaccurate and unauthorized consumer information. 

Equifax is publishing negative information on my credit profile, including inquiries, collections, charge-offs, late payments, and closed accounts, without providing evidence of permissible purpose, written consumer consent, or lawful authorization. 

This conduct violates the Fair Credit Reporting Act, including : 1681b No permissible purpose 1681e ( b ) Failure to ensure accuracy 1681g Failure to disclose verification methods 1681i Failure to conduct a reasonable reinvestigation Equifax has also violated the Gramm-Leach-Bliley Act by disclosing my nonpublic personal financial information without authorization, despite my clear election to opt out of data sharing. 

As a direct result of Equifaxs actions, I have incurred : Denial of credit and financing Higher borrowing costs Lost business and personal financial opportunities Emotional distress and reputational damage These damages are the foreseeable and proximate result of Equifaxs noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on Experian and Trans Union XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-14 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: PR

Complaint narrative:
I received a copy of my credit report and found the following items to be errors ; In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * has violated my rights. 

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

15 U.S.C 1681 SECTION 604 a. It also states a consumer reporting agency can not furnish a account without my written instructions.

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act. Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the 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