vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> To Whom It XXXX Concern : Halsted Financial Services Address : P.O. XXXX XXXX XXXX, IL XXXX Cease & Desist Notice & Demand for Immediate Deletion of Account From Credit Reports Account No. : XXXX Credit Bureau XXXX : Experian XXXX Equifax / TransUnion To Whom It XXXX Concern : This letter serves as my formal Cease & Desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are ordered to stop all communication with me regarding the alleged debt listed XXXX. XXXX XXXX XXXX You are to cease all calls, texts, letters, emails, and third-party contacts except for the single notification permitted by law stating either : that you are ending collection efforts, or that you intend to take specific legal. action. XXXX. Demand for Deletion of Credit Reporting I am formally demanding the complete deletion of this collection account from all credit bureaus ( Experian, Equifax, TransUnion ) for XXXX or more of the following reasons ( check the ones that apply ) : x You failed to provide proper debt validation as required under the FDCPA. x You reported the account without validating it first, which violates the FCRA and CFPB reporting standards. x The account is inaccurate, unverifiable, incomplete, or outdated. Your company has engaged in harassing, excessive, or unlawful communication practices. x You are reporting information that can not be verified, which must be deleted, not corrected, under 15 U.S.C. 1681i ( a ) .Under the Fair Credit Reporting Act ( FCRA ), any debt that can not be fully substantiated with proper documentation must be deleted immediately from all consumer reporting agencies. XXXX. Validation Required if You Believe the Debt Is Legitimate If you believe you have the legal right to collect this debt, then provide ALL of the following : Original creditor name Original signed contract or agreement Full accounting of charges, dates, and payments Proof of ownership or assignment of the debt Proof that you are legally licensed to collect in my state Failure to provide these documents means the debt is unverified, and you must notify all credit bureaus to delete the account entirely. XXXX. Notice of Intent to Report Non-Compliance Any continued communication, incorrect reporting, or failure to delete unverifiable information will result in formal complaints filed with : The Federal Trade Commission ( FTC ) My State Attorney General The credit reporting agencies I am keeping full records of all communication attempts and violations. XXXX. Required Response I expect written confirmation from your company stating : XXXX You have ceased all communication XXXX You have notified the credit bureaus to delete the account XXXX You have closed or removed the account from your system Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and XXXX XXXX. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, that assurance has not been honored, as these inquiries persist on my report. This failure to fulfill the commitment is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt XXXX violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt XXXX use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> a {$30.00} Dollars Cash Advance Fee posted on my Citi Credit card ending XXXX due to a mistake made by the retailer for incorrectly running my card. I contact a Citi agent using the chat option and explained my issue. The chat agent refused to assist and only responded with canned messaged. At XXXX point I request a statement credit, which also received the same canned response. Citi stole {$30.00} from me, this is not about the money, but principal. Fees need to be reversible when charged in error.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-12-03 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX [ Date ] To : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Account XXXX Dear Sir/Madam, I dispute the alleged debt of {$3700.00} on account XXXX. Under FDCPA 1692g, I request written validation, including the original creditor, amount owed, supporting documentation, and proof you may legally collect. Cease all collection activities until validation is provided. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-03 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:
In accordance with federal law, specifically 15 USC 1681c-2 ( a ), I formally request that all information resulting from this identity theft be blocked and removed from my credit report by the credit reporting agency . 

Federal law mandates that any disputed information stemming from identity theft must be blocked and removed within XXXX business days of receiving a valid complaint. 

Listed below are the fraudulent accounts : XXXX - XXXX- PLEASE REMOVE ACCOUNT XXXX XXXX XXXXXXXXXXXX XXXX PLEASE REMOVE ACCOUNT XXXX XXXX XXXXXXXXXXXX XXXX  PLEASE REMOVE ACCOUNT XXXX XXXX XXXXXXXX XXXX  PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX - PLEASE REMOVE ACCOUNT XXXX XXXX XXXXXXXX XXXX PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ACCOUNT I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my rights are protected. 
Sincerely,

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 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been a Bank of America XXXX for XXXX  years and had a grandfathered savings account that did not have a monthly maintenance fee. On XX/XX/year>, while screen-sharing with a Bank of America representative XXXX I wanted to set up a recurring payment for my HOA fee from my savings account. The representative told me that this could only be done if I switched to the XXXX  XXXX  account. Based on this incorrect information, I agreed to switch. 

After switching, I was then told by the bank that it is not possible to set up recurring payments from any savings account at all. I also learned that the XXXX  XXXX  account carries a monthly maintenance fee if the minimum balance is not maintained. 

I contacted Bank of America on XX/XX/year> to restore my original no-fee account or place me in a no-fee savings option to avoid future fees. Bank of America acknowledged my concern but refused to restore the original account type and stated the supervisor was the highest level I could speak to. The bank also confirmed that future maintenance fees would apply if I do not meet the balance requirements. 

I am filing this complaint because the account change happened due to misinformation from their representative, causing me to lose privileges on my previous savings account, and the bank is refusing to correct the issue before fees begin.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX Calls my cell phone everyday sometimes XXXX  the same day this is there phone number XXXX I have been threatened with them.bringing papers to my house and employers is there anything you can do for me

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 2025-12-03 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: IL

Complaint narrative:
Re : Request for Deletion XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal dispute of the XXXX XXXX XXXX XXXX reporting on my credit file. The information you are displaying is factually inaccurate, internally inconsistent, and legally unverifiable. It violates multiple sections of the Fair Credit Reporting Act as well as XXXX reporting standards. 
You are currently reporting a XX/XX/year> late payment on an account that was paid in full, closed with a XXXX balance, and never delinquent. I have already requested full documentation twice, and neither XXXX XXXX nor the bureaus has provided a single required record, including : Payment ledger Monthly billing statements Internal account notes Timestamped verification records Audit trail Signed contract Proof of any late payment Your failure to produce documentation makes this information unverifiable under FCRA 611 ( a ), which means it must be deleted. 
Beyond that, the reporting itself is blatantly inaccurate : The account is reported differently on all three bureaus Date Reported is inconsistent across TU, EX, and EQ One bureau displays a future reporting date, automatically rendering the tradeline unverifiable Dispute remarks do not match across bureaus The account is simultaneously marked Closed, Paid, and Current Missing and incomplete payment data XXXX codes and compliance fields are not reported uniformly These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires Experian to ensure only accurate information appears on my file. This tradeline is not accurate, not complete, and not consistent. 
I want to make this very clear : I never missed a payment on this account, and you are reporting false information without any supporting evidence. 
If the bureaus continues to maintain this inaccurate tradeline without providing complete documentary verification, I will proceed with legal action. I am prepared to file suit and will be seeking {$1000.00} per violation, as permitted under FCRA 616 and 617. All evidence, correspondence, and credit report versions are already prepared for filing. 
This is your final notice. 
You are required to take one of the following actions : Delete the entire XXXX XXXX tradeline immediately, or Delete the inaccurate XX/XX/year> late payment, if you believe any portion of the tradeline can be verified with lawful documentation ( which you have failed to produce so far ). 
you have 15 days to complete a lawful Procedural reinvestigation or delete the information entirely. 
I will not accept any generic stall letters or unverifiable responses.Either provide full proof or remove the entry. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently revieiwng my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted 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

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 2025-12-03 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: GA

Complaint narrative:
I am filing this complaint because I discovered multiple inconsistent and inaccurate reporting entries for the same account, XXXX account number XXXX with a balance of {$13000.00}, across all three major credit bureaus, and the creditor has failed to ensure accuracy despite the requirements under the Fair Credit Reporting Act. Experian reports the account with a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year>, while Equifax lists the Date of Last Activity as XX/XX/year> but reports the account as updated on XX/XX/year>, and TransUnion reports a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year> ; all three show a XXXX late notation, but the dates do not match, creating contradictory timelines for the same event. These conflicting dates are significant because they misrepresent the sequence of account activity and make it impossible to determine which reporting is correct, suggesting that the furnisher did not meet its obligations under FCRA 623 ( a ) ( 2 ) to correct and update information, nor did it properly fulfill its duty to investigate under FCRA 623 ( b ) once the discrepancies became known. Additionally, this inconsistency affects my creditworthiness and undermines the integrity of my reports, violating my right under FCRA 611 to have disputes investigated and under 15 U.S. Code 1666 and 1666a regarding proper billing error corrections and handling during disputes. I am requesting CFPB assistance because I have attempted to address this issue, but the information continues to remain inconsistent across Experian, Equifax, and TransUnion, causing ongoing harm and confusion.

Company response to consumer: Closed with explanation