vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Credence Resource Management. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Credence Resource Management can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to Credence Resource Management XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Nations Mortgage LLC
State: FL

Complaint narrative:
XXXX with Nations Mortgage was unprofessional and harassment calling 3 to 6 times a day from my cell phone and work phone and telling my manager that I need to be a man and answer my phone will never do a loan with a company like this that try to make you take a loan out with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a debt tied to XXXX XXXX even though the billing company ( XXXX XXXX ) confirmed they can not locate any account under my name. Despite my written request for validation on XXXX XXXX XXXX they never provided proof and continue to report the debt inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.

Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt..

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I submitted formal disputes to XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding collection and rental accounts that I do not recognize. Each dispute included : > - A detailed dispute letter citing violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX - A copy of my government-issued ID showing my current address > - A bank statement as proof of address Despite meeting all requirements, the agencies responded that they could not process my dispute due to lack of information, which is false. This may constitute a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable and complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Complaint summary : A single late car payment dropped my XXXX score by over XXXX points and continues to prevent my family from qualifying for a home loan. 

Details : I am a working parent of XXXX children ( XXXX XXXX XXXX XXXX XXXX XXXX ). My husband and I currently live in a XXXX one-story fixer-upper in XXXX owned by my in-laws. I have a stable XXXX income at a XXXX XXXX company, and we have never missed a rent payment. 

However, one 30-day late car payment was reported by Santander, causing a XXXX drop in my score. The current system allows that single event to remain for seven years and affect creditworthiness for up to two. That feels deeply disproportionate and harmful to families trying to secure stable housing. 

Please investigate whether lenders should be required to reclassify or remove isolated delinquencies for consumers with otherwise positive payment histories, and whether the credit reporting system can better account for context and recovery. 

Thank you for your work protecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I atarted a dispute with equifax twice asking for the original chain of commands or my agreement with them stating that i owe this company the funds they have listed on my credit report and they failed both times to provide them. In the amount of {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE

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 2025-10-30 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2025-10-30 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:
I don't agree with the account listed below which still appear on my credit report, even after your investigation, I would like this account immediately reinvestigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91 -- 506, Title -- 506 Title -- VI, section 611, subsection A -- D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please, forward me an updated credit report after you have completed your investigation and correction. 
Your cooperation and prompt attention are greatly appreciated. 
Account Name : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
I took out a XXXX XXXX loan with the company app, Money Lion for {$1000.00}. {$120.00} was transferred to my checking account with XXXX XXXX XXXX XXXX and the remaining {$870.00} went into a credit reserve. I'd receive the amount in the credit reserve once the full balance of {$1100.00} plus additional annual interest at 26.89 % per the agreement which is attached to this complaint. I paid XXXX ACH or debit card payments at {$44.00} using my checking account with XXXX XXXX XXXX XXXX. I paid XXXX payment of {$640.00} using my credit reserve account with Money Lion. My credit reserve amount was {$880.00} when the final payment was made to the loan provider. This left a balance of {$230.00} to remain in the credit reserve account. The {$440.00} paid from my checking account with XXXX XXXX XXXX XXXX minus the {$90.00} total interest paid totals to {$350.00}. The loan provider only credited {$330.00} as received payments from my checking account with XXXX XXXX XXXX XXXX thus leaving a balance of {$21.00} unaccounted for with the loan provider. In my credit reserve account which I'm unable to close is a balance of {$6.00} in the picture attached to the complaint. Thus leaving in total {$28.00} unaccounted for with the loan provider. The first attempt with the loan provider via phone resulted in an agent stating the issue would be escalated and followed up with a phone call that I never received on XX/XX/XXXX through XX/XX/XXXX. I then contacted the loan provider via phone on XX/XX/year> to further inquire about the missing {$28.00} that is not accounted for by the loan provider to be told there was no issue thus prompting the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate or unauthorized information appearing on my credit report. Please provide written verification of its accuracy or remove it from my credit file as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
At this time I have a charge-off on my credit report from Capital One. I believe that this account is no longer valid, and respectfully request a full accounting of the tradeline, and if possible a deletion date as to when the account will be deleted from each pertinent credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: 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 XXXX  XXXX - XXXX XXXX  XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. And " Create a dispute letter under 15 USC 1681c-2 to block fraudulent accounts due to identity theft. I have my FTC Identity Theft Report, ID, SSN, and proof of address.

Emphasize that no police report is required, and demand deletion within 4 business days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This filing concerns issuer non-compliance with 12 CFR 1026.13 ( Reg Z ) in resolving a construction-related billing dispute previously logged as CFPB Case # XXXX. The issuer ( Citi ) sent XXXX provisional-credit notices ( XX/XX/XXXX and XX/XX/XXXX ), but did not issue a written final determination under 1026.13 ( e ) or 1026.13 ( f ) within the two-cycle/90-day cap. On XX/XX/XXXX, Citis Executive Response letter cited a merchant credit ( XX/XX/XXXX ) and redirected me to Home Depot. That does not satisfy Reg Z. In addition, there has been no clear confirmation of 1026.13 ( d ) protections ( e.g., final refund, stand-down from collection, no adverse credit reporting, no liens or similar impairments on the disputed amount while pending ). 

Required by Reg Z and still missing : A written final under 1026.13 ( e ) ( error found/corrected ) or 1026.13 ( f ) ( no error ) that clearly states the determination ; 1026.13 ( d ) confirmation ( no adverse reporting/collection on the disputed amount while pending ) ; Purge of all interest/fees tied to the disputed amount ; and, if asserting no error under ( f ), a written explanation and, upon request, documentary evidence. 

Context ( prior case closure ) : CFPB marked the prior case Closed based on a {$13000.00} merchant credit. Those were provisional credits, expressly subject to further investigation and reversal ; they were not a final refund and not a compliant issuer 1026.13 ( e ) / ( f ) determination.

What Im requesting now : Please require the issuer to post a compliant 1026.13 ( e ) / ( f ) final now, confirm 1026.13 ( d ) protections ( including stand-down from any collection activity, no adverse credit reporting, and no liens/impairments ), and purge related interest/fees. If asserting no error, require the 1026.13 ( f ) explanation and documentary evidence. 

Supervisory referral ( parallel ; do not delay the issuer final ) : Please open/refer a supervisory review regarding national-scale program-control failures ( prima-facie illegal deposit over-collection, senior-safeguard failures, etc. ), to proceed in parallel without delaying the issuers Reg Z final on this complaint. See previous CFPB Case # XXXX for full details.

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