vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: HI

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint because a collection account is being reported inaccurately and without proper verification. 

The previous collection agency deleted this debt from my credit report. Shortly afterward, a new collection agency began reporting the same debt without providing full FDCPA-required validation. 

I requested validation, but they only provided a signature page and did not provide : Full accounting or itemized statement Proof of legal ownership or assignment Chain of custody Verification of account accuracy Proof the account is within the statute of limitations Despite this, the credit bureaus marked the account as verified. This is not possible since no full validation exists.

This violates : FDCPA 809 ( b ) ( failure to validate ) FCRA 602 & 607 ( accuracy requirements ) FCRA 611 ( failure to properly investigate ) FCRA 623 ( furnishing inaccurate information ) I am requesting that the CFPB intervene and require the deletion of this account from all credit bureaus, as it is unvalidated, inaccurate, and was previously deleted by another agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts I am disputing the accuracy, completeness, and reporting of the following charged-off accounts on my Equifax credit report. I request a reinvestigation and validation under the FCRA, as I can not verify the balances, dates, or legitimacy of these accounts : XXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance XXXX I request that Equifax provide full documentation from the furnishers proving these accounts are accurate, belong to me, and comply with FCRA 623. If verification can not be provided, I request deletion of these accounts. 

XXXX. Inquiries I am disputing the following inquiries as unauthorized, inaccurate, or unverifiable : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide proof that these inquiries were authorized under FCRA 604 ( a ) and remove any inquiries that can not be verified. 

XXXX. Late Payments I dispute the reporting of late payments on the following accounts, as the information is inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request validation including accounting records and notices sent. Remove any that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need clarification as to why you are reporting certain information on my report. Please review the following : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. In addition, I did not give you ( Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate and inconsistent information on my credit report and has failed to properly validate the account. I am requesting that this account be deleted because it violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Portfolio Recovery is reporting a collection account with multiple errors, including : XXXX. Conflicting and impossible dates Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX These dates can not both be accurate. This is a violation of FCRA 607 ( b ) which requires accurate and consistent reporting. 
XXXX. Incorrect Past Due Amount listed The credit report shows {$980.00} past due, but collection accounts can not legally show a past-due amount because the debt was already charged off. This is inaccurate reporting. 
XXXX. False Terms : 1 Month entry Collections do not have repayment terms. Listing 1 month is inaccurate and misleading, violating FCRA accuracy requirements. 
XXXX. Improper verification after dispute After my previous dispute, the bureaus show : Completed investigation of FCRA dispute consumer disagrees. 
Portfolio Recovery did not provide any documentation validating the debt under FDCPA 809 ( b ). They simply updated the account with incorrect information. 
XXXX. Failure to provide validation documentation I requested verification, but Portfolio Recovery has never provided : A signed contract A full accounting of the balance Proof of ownership of the debt Chain of assignment from XXXX Any documentation showing the amount is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
On or about XX/XX/XXXX, I reviewed my credit reports and identified inaccurate and unlawfully reported accounts and inquiries that are damaging my credit profile. 

The following accounts are being reported with incorrect, incomplete, and/or unverified information : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX Despite disputing these accounts, the information continues to be reported without proper verification as required by federal law. The companies failed to conduct a reasonable investigation and failed to validate the accuracy of the reporting. 

Additionally, the following credit inquiries appeared on my report without proper authorization and are being reported inaccurately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX These entries have caused measurable harm, including credit denials and financial loss. Continuing to report inaccurate or unverified information after notice of dispute violates the Fair Credit Reporting Act. 

I am demanding the immediate deletion of the above accounts and inquiries and correction of my credit file no later than four ( 4 ) days from receipt of this complaint. 

Failure to comply will result in escalation through all available legal and regulatory remedies.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion because the identification questions required to access the webpage are not associated with me. XXXX requires accurate answers to these questions to order a credit report for XXXX. The questions are provided by TransUnion, which supplies credit reports for XXXX. I contracted TransUnion to dissociate the information from my name. TransUnion had no idea what to do or how to do it, and requested information such as my social security number and email address, which I am unprepared to provide, considering that they can not maintain their data accurately.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I attempted to pay this off to XXXX. I called them to make the payment. They told me that they no longer own this debt and can not collect payment. I recorded this phone call. They told me that a company called XXXX and XXXX owns the accounts. I disputed the incorrect info with Experian twice and they both got denied. I called XXXX again, recorded this time, and they confirmed again that they don't own it and can't take payment. I need this taken off of my Experian report if they can not take payment or verify that they own it. XXXX is reporting accounts they do not own, can not verify, and can not provide documentation for. This is inaccurate and misleading reporting.

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 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain inaccuracies and request corrections related to my credit report. The accounts listed below are inaccurate or improperly reported, and I request a thorough investigation and correction in compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : Account Name : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NCB Management Services Inc.
State: MI

Complaint narrative:
XXXX  is required by 15 USC 1681c-2 Federal law to block all information in a file of a consumer that is reported as or it has reason to believe is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
I am formally disputing the auto repossession account because the information being furnished is inaccurate, incomplete, and currently unverifiable. To date, the furnisher has failed to provide any original source documentation establishing the legitimacy of the repossession, proof that all required notices were issued, evidence that the process was conducted lawfully, or confirmation that the reported balance, dates, and account details are accurate. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies may not continue to report information that is inaccurate or can not be fully verified. Pursuant to FCRA 602, 607, and 611, I am demanding a thorough reinvestigation. If the furnisher can not provide complete, original, and verifiable documentation supporting the accuracy of this account, the item must be deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I attempted to pay this off to Affirm. I called them to make the payment. They told me that they no longer own this debt and can not collect payment. I recorded this phone call. They told me that a company called XXXX and XXXX owns the accounts. I disputed the incorrect info with XXXX  twice and they both got denied. I called Affirm again, recorded this time, and they confirmed again that they don't own it and can't take payment. I need this taken off of my XXXX  report if they can not take payment or verify that they own it. Affirm is reporting accounts they do not own, can not verify, and can not provide documentation for. This is inaccurate and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: SC

Complaint narrative:
PRINCEPARKER is falsely reporting on my credit. I have never had any accounts with them. Per my research PRINCEPARKER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

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

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 2025-12-02 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: TX

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

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ), Sections 602, 609, and 611, and METRO 2 reporting standards. Experian has failed to ensure the maximum possible accuracy and completeness of my credit data. Under Section 611, unverifiable information must be deleted promptly. I demand immediate investigation and deletion within four ( 4 ) days. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit 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 2025-12-02 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: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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 2025-12-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit 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