vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am writing this statement to explain that I am the victim of identity theft involving a fraudulent medical collection that has appeared on my XXXX  credit report. The account is listed as being from Capio Partners LLC, originally tied to XXXX XXXX XXXX, with an alleged balance of {$1500.00}. 

I first became aware of this account when I reviewed my credit report and noticed the entry from Capio Partners. I have never received any bill, medical service, or notice from XXXX XXXX XXXX, nor have I ever authorized Capio Partners to collect any debt on my behalf. This account was opened and reported without my consent or knowledge. 

After reviewing the information, it became clear that this was the result of identity theft or a mistaken identity. I have never visited or been treated by XXXX XXXX XXXX, and I have no connection to any account associated with this debt. I did not sign any documents or authorize any charges related to this account. 

I have attempted to take the proper steps to report this identity theft, but I am currently unable to file an FTC Identity Theft Report due to the ongoing federal government shutdown. However, I am submitting this sworn statement under penalty of perjury to confirm that I did not open, authorize, or benefit from the account in question. 

I respectfully request that XXXX  and Capio Partners LLC immediately block, delete, and cease reporting this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am also requesting that no further collection or verification actions be taken on this fraudulent account. 

I am providing this statement in good faith to protect my identity, my credit history, and my legal rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball , Tirey & St. John LLP ( KTS Law Firm ) has recently begun attempting to collect an alleged debt said to be related to a XXXX XXXX rental property managed by XXXX XXXX XXXX XXXX 

This same alleged account was previously reported to credit bureaus and later deleted after investigation, suggesting it was unverified or invalid. Despite this, KTS Law Firm appears to have solicited the collection from the propertys management company and is now using non-public tenant or lease data to pursue a claim that had been inactive and partially uncollectible. 

The firms access to this level of detail strongly suggests improper data sharing or solicitation practices between the management company and KTS. 

Potential Violations : FDCPA ( 15 U.S.C. 1692e, 1692f ) Attempting to collect an unverified or time-barred debt.

Misrepresenting the legal status of the alleged obligation.

Using deceptive means or private consumer data to obtain payment.

FCRA ( 15 U.S.C. 1681s-2 ) Re-reporting or reintroducing deleted credit information without a new furnisher certification.

Failing to provide validation prior to renewed collection attempts.

Privacy & Solicitation Concerns KTS appears to have obtained or used tenant information not publicly available, possibly in violation of consumer privacy protections and Californias XXXX Fair Debt Collection Practices Act. 

XXXXimeline ( approximate ) : XXXX : Alleged account appeared on credit reports ; later deleted after investigation. 
XXXX : KTS Law Firm began contacting me about an alleged balance connected with that same property. 
No proof or validation of the debt has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am submitting this dispute statement for my credit report with Equifax regarding the following charged-off accounts, inquiries, positive accounts, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$6500.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXX - Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX OF XXXX XXXX - Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Late Payment Accounts : XXXX XXXX  - Account Number : XXXX DEPT OF ED/XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My twin brother has used and stolen my SSN and has being lying about it and still using my social and it has damaged my entire life and I need help with this situation Ive never experienced this before so Im not to sure in the process but I have a police report and some documents provided that my identity was stolen

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 2025-11-05 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 writing this statement to explain that I am the victim of identity theft involving a fraudulent medical collection that has appeared on my Experian credit report. The account is listed as being from XXXX XXXX XXXX, originally tied to XXXX XXXX XXXX, with an alleged balance of {$1500.00}. 

I first became aware of this account when I reviewed my credit report and noticed the entry from XXXX XXXX. I have never received any bill, medical service, or notice from XXXX XXXX XXXX, nor have I ever authorized XXXX XXXX to collect any debt on my behalf. This account was opened and reported without my consent or knowledge. 

After reviewing the information, it became clear that this was the result of identity theft or a mistaken identity. I have never visited or been treated by XXXX XXXX XXXX, and I have no connection to any account associated with this debt. I did not sign any documents or authorize any charges related to this account. 

I have attempted to take the proper steps to report this identity theft, but I am currently unable to file an FTC Identity Theft Report due to the ongoing federal government shutdown. However, I am submitting this sworn statement under penalty of perjury to confirm that I did not open, authorize, or benefit from the account in question. 

I respectfully request that Experian and XXXX XXXX XXXX immediately block, delete, and cease reporting this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am also requesting that no further collection or verification actions be taken on this fraudulent account. 

I am providing this statement in good faith to protect my identity, my credit history, and my legal rights under 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-11-05 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:
I am a verified victim of XXXX XXXX XXXX XXXX  and identity theft. Under 15 U.S.C. 1681c-3 and 1681c-2, I am exercising my right to have fraudulent and coercion-based information permanently blocked and removed from my TransUnion credit file. 

The accounts and records listed below were created or maintained as a result of coercion, fraud, or identity misuse beyond my control. These items continue to cause me harm and misrepresent my true credit history. 

I have enclosed my certified Victim Determination documentation, proof of identity, and supporting records to verify my status and compliance with federal law. 

I respectfully request an immediate investigation and permanent blocking of all disputed information as required by FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ).

Items to Block or Remove : Incorrect Name : XXXX, XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Employer : PXXXX XXXX XXXX XXXX  Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX {$31000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX {$550.00} ) Unauthorized Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I request that TransUnion comply with federal law by permanently blocking these items, updating my credit file accordingly, and confirming in writing once completed.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I have requested validation of the alleged debt from the debt collector on XXXX separate occasions, each sent via certified mail with proof of delivery. To date, the debt collector has failed to provide the required documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have no record of any written agreement between myself and the debt collector that grants them the authority to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My date of birth is XX/XX/XXXX, and my Social Security Number is XXXX. I am writing to formally dispute multiple inaccurate and non-compliant entries listed on my credit report as of the date above, in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ),XX/XX/XXXX), and XXXX XXXX compliance guidelines. 
Below are the accounts I am disputing for violations of federal law and Metro 2 data reporting standards :XX/XX/XXXX XX/XX/XXXX Account XX/XX/XXXXInaccurate XX/XX/XXXX and re-aging indicators. FCRA XXXX ( a ), Metro 2 XXXX. 
XXXX XXXXXX/XX/XXXX AccountXX/XX/XXXXXXXX Unverified charge-off with misleading balance and payment record. Violates FCRA XXXX ( a ) ( XXXX ) ( A ), FDCPA XXXX ( XXXX ). 
These entries violate multiple provisions including but not limited to : FCRA XXXX ( b ) : Duty to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Reasonable reinvestigation required Metro 2 Format XXXX : Accurate account status, charge-off rules, XXXX, and payment rating FDCPA XXXX : False or misleading representations XX/XX/XXXX : Reservation of rights without prejudice Equifax ( XXXX ) & XX/XX/XXXXXXXX XXXX ) data breaches undermine report integrity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing this complaint with absolute certainty and growing frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been severely affecting my life and credit score, preventing me from achieving financial freedom and stability. These inaccuracies are unacceptable and must be addressed 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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This ongoing issue is causing damage to my credit reputation and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and to properly investigate consumer disputes. 

I am requesting that this account be immediately removed on my credit report unless Affirm can provide verifiable documentation that I authorized this account. Please provide written confirmation of your actions in response to this and numerous past disputes which have been ignored. 

Original signed Cardmember Agreement or application with acceptance proof ( signature ) " The full payment ledger and charge-off record, including dates of delinquency, last payment, and balance history. '' " A copy of allXX/XX/XXXXe-OSCAR dispute responses Affirm has provided to the credit bureaus regarding my prior disputes. '' " The exact data fields Affirm is furnishing for : Date Opened, Date of First Delinquency, Date of Last Payment, Charge-Off Date, Current Balance, Account Status, Payment Status, and Date Status Updated. '' " Copies of Affirm internal investigation notes or policies used to verify my dispute. '' If Affirm can not substantiate each reported field with source documentation, I request that the account be immediately deleted from my credit file. 


XXXX. Immediate deletion of any inaccurate, incomplete, or unverifiable information, in accordance with FCRA Section XXXX [ 15 U.S.C. XXXXi ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp continues to stonewall and submit patently false information concerning multiple complaints about my non-functional debit card. This company continues to violate both my consumer rights and banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am disputing this account based on the following FCRA violations and reporting inconsistencies : FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting of inaccurate information XXXX Bank is reporting this account as charged off as of XX/XX/XXXX, but also lists the status update as XX/XX/XXXX. A charge-off can not occur prior to the most recent update ; this indicates conflicting and inaccurate reporting dates. 

FCRA XXXX ( a ) ( XXXX ) Inconsistent payment history and status reporting The payment history lists multiple XX/XX/XXXX ( charge-off ) notations across XXXX, which is inaccurate. Once an account is charged off, subsequent months can not continue to show XX/XX/XXXX. This is considered re-aging or continued delinquency reporting, which is prohibited. 

FCRA XXXX ( b ) Failure to conduct proper investigation upon dispute If XXXX Bank previously received disputes and did not correct these inaccuracies, this represents a violation of their duty to investigate and accurately report under this section. 

FCRA XXXX ( b ) Failure to maintain maximum possible accuracy The reported balance ( {$870.00} ) exceeds the credit limit ( {$600.00} ), indicating a reporting inconsistency that should be verified or corrected. 

Potential violation of FDCPA XXXX ( XXXX ) If XXXX Bank or any collector reported or verified this account after charge-off with false or misleading information, it may also violate the FDCPA.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing this account based on the following FCRA violations and reporting inconsistencies : FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting of inaccurate information XXXX Bank is reporting this account as charged off as of XX/XX/XXXX, but also lists the status update as XX/XX/XXXX. A charge-off can not occur prior to the most recent update ; this indicates conflicting and inaccurate reporting dates. 

FCRA XXXX ( a ) ( XXXX ) Inconsistent payment history and status reporting The payment history lists multipleXX/XX/XXXX ( charge-off ) notations across XXXX, which is inaccurate. Once an account is charged off, subsequent months can not continue to show XX/XX/XXXX. This is considered re-aging or continued delinquency reporting, which is prohibited. 

FCRA XXXX ( b ) Failure to conduct proper investigation upon dispute If XXXX Bank previously received disputes and did not correct these inaccuracies, this represents a violation of their duty to investigate and accurately report under this section. 

FCRA XXXX ( b ) Failure to maintain maximum possible accuracy The reported balance ( {$870.00} ) exceeds the credit limit ( {$600.00} ), indicating a reporting inconsistency that should be verified or corrected. 

Potential violation of FDCPA XXXX ( XXXX ) If XXXX Bank or any collector reported or verified this account after charge-off with false or misleading information, it may also violate the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 writing to dispute the following accounts that have been inaccurately reported. I request an investigation under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, {$0.00} XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, {$0.00}XX/XX/XXXXXX/XX/XXXX, {$0.00} XX/XX/XXXX, XX/XX/XXXX, {$320.00}XX/XX/XXXX XX/XX/XXXX, {$130.00} XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, {$820.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed for Equifax. 

Late Payments : XXXX, XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am disputing XXXX ALDOUS collection tradelines that are reported as Paid/Closed yet still display collection/charge-off language and dispute resolved comments, which is misleading and incomplete under Metro 2 and the FCRA. Both carry {$0.00} balance and are closed, but the continued derogatory coding/remarks are inaccurate and cause ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America abruptly froze my personal checking account and blocked access to my funds. When I contacted the bank multiple times for clarification, representatives only told me there was suspicious activity and that the matter was under review. No one provided any specific information about the transactions in question, what documentation was required to resolve it, or how long the review would take. 

It has now been XXXX going onto XXXX weeks since my account was frozen. I have not received any written explanation, notice of investigation results, or clear instructions on next steps. The banks lack of transparency has caused significant financial and emotional stress.

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