vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: MS

Complaint narrative:
Credit bureaus is reporting inaccurate and contradictory information on a Mississippi Power collection account furnished by XXXX XXXX XXXX XXXX. 
The status reflects " {$500.00} past due as of XX/XX/year> '' but the status update date shows XXXX XXXX. The payment history shows collection activity before the reported Date Opened ( XX/XX/year> ). The account is also reported with an incorrect " 1 Month ' term, and the DOFD used to calculate the 'on record until " date is not provided or verifiable.

Under F

CRA 611 and 623, furnishers and Equifax must ensure all information is accurate, consistent, and verifiable.

I am requesting a full investigation, including documentation verifying DOFD, assignment, itemized balance, and correction of conflicting reporting. If the furnisher can not validate, the account must be deleted. ''

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged a XXXX XXXX XXXX {$750.00} $ and XXXX $ three were denied and one went through. I filed a claim and was denied although my others were denied because they seemed like fraud. I was also charged on multiple cards from different banks. The only card in my wallet that wasnt charged was one where the tap to pay doesnt work on it, so Im led to believe someone used a device to tap to pay all my cards

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 monetary relief
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am filing this complaint because my XXXX  credit report contains numerous inaccurate, unverifiable, and improperly reported accounts, many of which remain on my report despite prior disputes. XXXX  and multiple data furnishers have failed to verify these accounts, update information accurately, or conduct proper reinvestigations as required by the Fair Credit Reporting Act ( FCRA ). 
Some accounts list incorrect balances, incorrect statuses, inconsistent dates, and continued reporting despite my disputes. Several furnishers have not provided validation, contracts, or proof of debt ownership. Under FCRA 602, 607, and 611, any information that can not be verified must be corrected or deleted. 
I am requesting that the CFPB step in and require XXXX  and the data furnishers to conduct a lawful investigation and remove any account that can not be validated with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I AM WRITING TODAY PURSUANT TO MY RIGHTS UNDER FCRA, SPECIFICALLY SECTION 611 ( a ) ( 7 ) { 15 USC SECTION 1681 ( A ) ( 7 ) } TO REQUEST THE " DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS '' OF THE PREVIOUSLY DISPUTED ITEMS OUTLINED IN MY INITIAL AFFIDAVIT. A PROCESS COMMONLY KNOWN AS THE " METHOD OF VERIFICATION ''. YOU STATED THAT UPON YOUR INITIAL INVESTIGATION, THE ITEMS WERE VERIFIED AND WOULD REMAIN ON MY REPORT. HOWEVER, I HAVE REASON TO BELIEVE THE INFORMATION IS STILL INACCURATE AND THAT A PROPER INVESTIGATION WAS NOT CONDUCTED. UNDER FCRA SECTION 611 ( a ) ( 7 ), I NOW FORMALLY REQUEST THAT YOU PROVIDE ME WITH A DESCRIPTION OF THE SPECIFIC PROCEDURE USED TO VERIFY THIS INFORMATION.

IF YOU CAN NOT PROVIDE THIS DESCRIPTION, OR IF YOUR VERIFICATION PROCESS WAS INSUFFICIENT, THEN THE ITEMS MUST BE DELETED FROM MY CREDIT FILE IMMEDIATELY, AS REQUIRED BY LAW. I FURTHER DEMAND THAT YOU INITIATE A NEW INVESTIGATION OF THE STATED ITEMS. IF THE FURNISHER OF THIS INFORMATION CAN NOT BE VERIFIED, OR FAILS TO RESPOND IN A COMPLETE AND TIMELY MANNER, THE ITEMS MUST BE DELETED. 
PLEASE NOTE THAT THE FCRA HOLDS YOU LIABLE FOR THE ACCURACY OF THE REPORTING PROCESS.I EXPECT A FULL RESPONSE TO THIS REQUEST, INCLUDING THE METHOD OF VERIFICATION, DESCRIPTION, AND RESULTS OF THE NEW INVESTIGATION, WITHIN THE TIME FRAME PRESCRIBED BY LAW.

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 2025-11-16 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: AZ

Complaint narrative:
I am reporting identity theft for several accounts that were opened without my permission or knowledge. I did not authorize or open any accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, or XXXX XXXX. Someone used my personal information to create these accounts and incur charges in my name. 

I discovered these accounts only after reviewing my credit reports thoroughly in XXXX and XXXX of XXXX. At that time, I noticed multiple accounts that I did not recognize : A Bank XXXX Missouri credit account opened in XX/XX/XXXX with a fraudulent balance of {$1100.00}. 
A XXXX XXXX  credit account opened in XX/XX/XXXX with a fraudulent balance of {$460.00}. 
A XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account opened in XX/XX/XXXX with a fraudulent balance of {$510.00}. 
A XXXX XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$150.00}. 
A XXXX XXXX account opened in XX/XX/XXXX with a fraudulent balance of {$670.00}. 

These accounts were opened without my consent and were later transferred or sold to collection agencies without my knowledge. I did not authorize these accounts, I did not open them, and I did not give anyone permission to use my personal information. 

Because these accounts are fraudulent, I am requesting that they be fully investigated, removed from my credit report, and that the balances be reduced to XXXX. I am also requesting that all collection activity stop immediately. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate or fraudulent information, request verification of any claimed debts, and have all false data deleted from my credit reports. 

I am asking that these items be fully investigated and permanently removed, as they are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
b'Subject:Inaccurate and Unverified Accounts Reporting After Formal Dispute\nComplaint:I submitted formal FCRA disputes to all three credit bureaus regarding multiple inaccurate accounts, including:\n* Absolute Resolutions  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts reporting inaccurate balances and dates\nThe bureaus either:\n* Failed to correct inaccuracies\n* Verified accounts without proper investigation\n* Used automated e-Oscar responses instead of proper reinvestigation\n* Failed to provide evidence supporting verification\nI also sent debt validation letters to all collectors.They failed to validate, yet continue reporting  a violation of FDCPA  809(b).\nI am requesting CFPB intervention to:\n1. Require proper validation\n2. Remove unverified accounts\n3. Enforce FCRA  602,  607, and  611 compliance\nThank you,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: OH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-16 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: NJ

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding multiple fraudulent accounts listed on my credit file. The following fraudulent accounts appear on my credit report : XXXX Account XXXX. XXXX Date Opened XXXXXXXX XXXX XXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX. These accounts were created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of these accounts. This information does not belong to me and should not be associated with my credit profile. Pursuant to FCRA 605B, I am requesting that these items be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the items must be blocked from my file within 4 business days of receipt of this notice and supporting documentation. If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-11-16 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: NJ

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding multiple fraudulent accounts listed on my credit file. The following fraudulent accounts appear on my credit report : XXXX Account XXXX. XXXX Date Opened XXXXXXXX XXXX XXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX. These accounts were created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of these accounts. This information does not belong to me and should not be associated with my credit profile. Pursuant to FCRA 605B, I am requesting that these items be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the items must be blocked from my file within 4 business days of receipt of this notice and supporting documentation. If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Collectors Inc
State: OR

Complaint narrative:
Complaint Regarding Illegal Voicemail From Columbia Collectors , Inc. ( XXXX ) I am submitting this complaint regarding a voicemail I received from a representative identifying herself as XXXX XXXX from a company referred to only as XXXX. The voicemail came from the number XXXX, extension XXXX, and referenced case number XXXX. 

The voicemail left the following message : This is XXXX XXXX. This is not a sales call or solicitation. I need to speak with you about something important. Please give me a call back at XXXX extension XXXX. Please mention reference number XXXX when you call. 

Legal Violations This voicemail violates several provisions of the Fair Debt Collection Practices Act ( FDCPA ), specifically : XXXX. Failure to Identify as a Debt Collector 15 U.S.C. 1692e ( 11 ) The caller did not disclose that she was a debt collector or that the purpose of the call was to collect a debt.

The FDCPA clearly requires that any voicemail or communication contain a mini-Miranda warning, including identification as a debt collector and the purpose of the call. 


XXXX. Failure to State the Purpose of the Call 15 U.S.C. 1692e ( 11 ) The caller only stated that the matter was important, which is intentionally vague and deceptive, designed to pressure me into returning the call. 

XXXX. Use of Deceptive or Misleading Representations 15 U.S.C. 1692e By refusing to disclose that this was regarding a debt and instead urging me to call back about an unspecified important matter, the collector used a deceptive tactic to obtain a response. 

This is a well-known violation and has resulted in numerous lawsuits against collection agencies for similar messages. 


XXXX. Attempting to Coerce Communication Without Proper Disclosure By omitting the required information and providing a reference number, the collector created the illusion of a legal or urgent matter, further contributing to the deceptive nature of the communication. 


Requested Action I request that your office : XXXX. Investigate Columbia Collectors , Inc. for violations of the FDCPA. 
XXXX. Require that the company comply with federal law and cease deceptive voicemail practices. 
XXXX. Provide guidance on any additional steps I should take to protect my rights. 
XXXX. Record this complaint in the agencys database for ongoing monitoring of this company. 


Additional Information I still have the voicemail saved and can provide a copy upon request. 
I also have the date and time of the call. 
Thank you in advance for looking into this matter. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX amount {$3100.00} i did not open this account. identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
I, XXXX XXXX, am filing a complaint regarding XXXX XXXX XXXX XXXX Accounts : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First of all, these accounts are not full and incomplete because they list asterisks instead of complete account numbers, this is not complete or fair and first reason should be deleted. Also, these accounts are reporting on my credit file with information that is inaccurate, inconsistent, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain procedures to ensure maximum possible accuracy. This account contains discrepancies in balances and may reflect re-aged dates, misreporting the date of first delinquency, dates last active is wrong on all accounts which is illegal under FCRA 605 ( c ). I have not received any original signed contracts, account history, or proof of ownership from XXXX to verify the validity of This debt. Per FCRA 1681i and 611 ( a ) ( 6 ) ( B ) ( iii ), any unverifiable information must be deleted. I respectfully request CFPB enforcement to ensure this account is either verified with full documentation or removed entirely in accordance with federal law.

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase denied my dispute for unauthorized XXXX XXXX charges that began on XX/XX/XXXX. They denied my claim from XX/XX/XXXX solely because it was more than 60 days after the first charge, which violates Regulation E. The bank refused to perform a reasonable investigation and also refused to provide the required documentation showing how they concluded the transactions were authorized. I did not authorize these charges, and Chase is not complying with Reg E. I am requesting CFPB assistance to require Chase to reopen and properly investigate my claim and issue reimbursement of all my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries associated with my personal information due to the recent data breaches. My Social Security number and personal identifiers have been exposed due to the data breaches. Please see attachments for phone bill and driver license to verify my identity. Also the identity theft report that list all accounts to be deleted in the attachment, and attachments showing proof for the several data breaches that have leaked my personal information.

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 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX card I purchased a couch with switched from synchrony to imprint. I always make payments on time and owed {$3000.00} when I received my new card ( from imprint ) Im being told I owe {$6000.00} I am logged out of synchrony because the account is no longer under them and imprint said they have no way of checking but they will file a claim internally. However this is my likelihood and someone needs to be responsible!

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 2025-11-16 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: MI

Complaint narrative:
I found some inaccurate item on my credit report. I contacted the furnisher, received no verifiable response and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). I demand proof under section 611 of the Fair Credit Reporting Act. 

Here are the accounts I need proper documentation and proof for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation