vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Back in XXXX of XXXX  I bought a new mobile home and called XXXX about getting service. They came out and began installing everything while I was still asleep. I woke up to them banging on my front door so I got up and opened the door and stepped outside to see what was going on i couldn't help but notice the damage they had done to my brand new skirting around my home!!! It looked like they had taken a razor blade and shredded it!! I was irate!! I told the technician they were going to have to replace my skirting and he kept trying to blow me off telling me I needed to sign the contract on his pad. Needless to say, I told him where he could stick that pad and I never signed their contract. XXXX called me relentlessly threatening me about having to pay a cancelation fee for something I don't owe but refused to pay for my skirting that ended costing me about XXXX to replace. The XXXX agency was asked to provide proof that I owed this debt and I haven't heard from them since until my credit monitoring service alerted me to it being on my credit and XXXX XXXX done their usual scam investigation and of course it came back verified. The Collection agency is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I received a loan and have been unable to see the loan and in the app. I called last week and was told not to worry about it, its due next month, it will work itself out. 

I called today, I was told I should see this fixed shortly. 

I called twice this evening around XXXX and XXXX. I believe I had the same person XXXX he got tired of my questions and placed me on hold and hung up on me. I called back in, spoke with him again, he asked me to wait till the morning, the update takes time. I said why in the morning? He said he doesnt know. I asked for a Supervisor and explained this is my XXXX call. I was hung up on previously. He transferred me back in queue with no warning, I heard a message the call center was closed. He did that to avoid work and helping me. 

This company is refusing to fix my issue so I can make a payment. Ive never dealt with anything like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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.

Complaint narrative:
I am the victim of identity theft and inaccurate credit reporting. Upon reviewing my Experian Credit Report on XXXX XX/XX/XXXX, I identified several accounts and status codes that do not belong to me or are reported incorrectly. These entries negatively affect my credit standing. 

The following accounts are in dispute : XXXXXXXX XXXX XXXXXXXX Deferred Payment Credit ( XXXX ) Current Balance : XXXX ( as of XX/XX/XXXX ) Issue : This account is fraudulent. I did not authorize or open this account. 

XXXX XXXX XXXX XXXX Car Insurance ( XXXX ) Balance : XXXX ( settled ) Issue : Account shows U ( unclassified ) markers despite full settlement. 

XXXX XXXX Services Hire Purchase ( XXXX ) Balance : XXXX ( settled XX/XX/XXXX ) Issue : Account history includes XXXX codes that misrepresent repayment history. 

XXXXXXXX XXXX XXXXXXXX Deferred Payment Accounts ( XXXX, XXXX, etc. ) Balance : XXXX ( settled ) Issue : Accounts reflect U markers and balances after settlement. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : XXXX ( settled XX/XX/XXXX ) Issue : File incorrectly lists extended D ( default ) status codes after closure. 

These entries are fraudulent, inaccurate, and misleading. They were discovered on XXXX XX/XX/XXXX during a review of my Experian 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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a loan through Synchrony Bank. I noticed a discrepancy in the balance subject to interest rate on my statement. The balance they have is not the balance of my loan or at any point in time was my loan that balance. Since creation of my loan the balance they use to calculate interest is higher than what I owe so that makes the interest charge higher. I have tried to resolve this with the company for months. I get no answers and always get given a XXXX day time frame for them to look into it. This company is fraudulently getting more money off of interest of their clients loans. As recent as of XX/XX/year> my previous balance was {$10000.00}. Made XXXX payments totaling {$1500.00} bringing my balance to {$8700.00}. They have {$9100.00} in balance subject to interest rate. That is incorrect. That is the most recent statement. I can provide since XXXX. I want this company to take accountability and return interest to 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 2025-10-02 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collection was placed on my account without my permission or authorization.i never received any paperwork to sign from portfolio recovery to obtain any debt and now its being investigated for a second time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing this complaint against APPLE CARD/GS BANK USA for furnishing false, contradictory, and unverifiable information to the nationwide consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.25 ( a ) ). My credit reports dated XX/XX/XXXX, from XXXX XXXX, and XXXX, all reflect derogatory reporting on XXXX XXXX XXXX XXXX  XXXX Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2300.00} {$3100.00} ) that is both inconsistent and inaccurate. 

Experian and Equifax list the account as closed with XXXX late payments ( XXXX, XXXX, XXXX, XXXX days past due ), while at the same time marking the account as Pays account as agreed or Dispute resolved by grantor. XXXX reports the same account as disputed and closed, yet still reflects derogatory payment history. These contradictions reveal that XXXX XXXX XXXXXXXX XXXX has failed to ensure the accuracy and completeness of the data it furnished, violating FCRA 1681e ( b ), 1681i, and 623 ( a ). Furthermore, California Civil Code 1785.25 ( a ) prohibits furnishers from providing information they know or should know is inaccurate. Reporting unverifiable late payment data in different forms across multiple CRAs is a direct violation of both state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : CREDENCE RESOURCE MANAGE Account number : XXXX Dear ( DEBT COLLECTOR ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Company : XXXX XXXX : XXXX accepted a wire transfer of {$1700.00} on XXXXthat was the result of a scam. I requested a XXXX recall and a copy of the XXXX ; SoFi did not provide/failed to escalate. I believe SoFi is actively working against the consumer to steal from hard working people, even at the request of information. 

I request supervisory review and remediation. 
Attachments : Wire receipt for amex and information from XXXX XXXX, the SoFi account holder who has the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$530.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$97.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : - XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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

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 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
I received a credit report update that I have a new debt on my credit report. This debt shown is a fraudulent debt by a fraudulent company and I want it removed. I have contacted XXXX and I contacted XXXX  to dispute, but the dispute returned open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has failed to validate an alleged debt they are reporting. 

I sent a certified letter on XX/XX/year> for formal debt validation request asking for proof of the debt and of their legal authority to collect it. 
XXXX XXXX # : XXXX They never responded with any documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/year>, I disputed this same debt with the XXXX major credit bureaus, and it was removed from my credit report due to lack of validation. However, in direct violation of the Fair Credit Reporting Act ( FCRA ), the same unvalidated debt was reinserted on my credit report XXXX months later, without proper notice or explanation. 

This account continues to negatively impact my credit and has interfered with my ability to secure stable housing and access fair financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control LLC is attempting to collect a debt that is under active dispute, previously declared closed, and not currently reporting. The account originated with XXXX XXXXXXXX XXXX  and was transferred through XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX part of the XXXX XXXX XXXX. 
submitted a sworn affidavit to Credit Control LLC on XX/XX/year>, demanding validation and instructing them to cease all activity. The affidavit includes : Confirmation from XXXX XXXX ( XXXX XXXX XXXX ) that the account was closed Contradictory statements from XXXX XXXX XXXX A privacy notice from Credit Control LLC admitting affiliation with the Resurgent Companies Confirmation from Equifax that the tradeline is not currently reporting Despite this, Credit Control LLC initiated new collection activity without validation, violating multiple consumer protection laws.

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 2025-10-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$97.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive 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 2025-10-02 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: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-10-02 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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