vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I received a letter in the mail from Credence the letter said it was a collection agency on the behalf of XXXX XXXX. I dispute the account and emailed them my dispute. I also called and ask for signed contact and voice recording of me extending the service. I canceled my mobile service with XXXX and they said i was still being billed for service. I was told by XXXX that they when send it to collection if I dont pay and my credit would be damage. I was on the government assistance program XXXX when the government ended that program i cancelled my XXXX XXXX XXXX  that same month. 

Credence Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
Dear [ Debt Collector 's Name ], I am writing to formally dispute the legitimacy of the debts associated with the following accounts : 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 and XXXX XXXX XXXX XXXX XXXX. Additionally, I want to clarify that my address is not XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and I believe these accounts may have been incorrectly attributed to me. Under 15 U.S.C. 1692c, I request that all communications regarding these debts cease until verification is provided. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
Dear [ Debt Collector 's Name ], I am writing to formally dispute the legitimacy of the debts associated with the following accounts : 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 and XXXX XXXX XXXX XXXX XXXX. Additionally, I want to clarify that my address is not XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and I believe these accounts may have been incorrectly attributed to me. Under 15 U.S.C. 1692c, I request that all communications regarding these debts cease until verification is provided. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-02-19 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: OR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT PROOF OF TEH ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
On XXXX, XXXX, XXXX  I received a credit report alert of Carrington Mortgage reporting a Major Derogatory. I immediately called because we've never paid late, ever. Their answer was that Fema reported a natural disaster in our area in XXXX and I asked, what does that have to do with us. We pay our mortgage every month. She said you will have to write to us. I am sure by the way she spoke to me that they are commiting fraud and falsly reporting deferments to the federal government. I see this isn't the first time with all the online information about them, but they won't play with my credit that is excellent. Please help me. I would like an investigation to prove this and get legal action against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to freeze my credit with Experian. The email and phone number they have for me is not correct, so I can't verify my identity. The website keeps directing me to call ( XXXX ) XXXX, saying " An Experian representative can verify your identity by phone, then process your freeze. '' Calling this number, it is impossible to speak to a representative. I have tried a dozen times. The automated system keeps directing me back to the website, which is completely unhelpful. They have created a system to prevent me from being able to actually freeze my credit or access my credit information, which is against 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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have opted out of any and ALL authorization, I, the consumer, may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. This Consumer reporting agency has yet and still violated, repeatedly by reporting and sharing my personal information anyway.

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 2025-02-18 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: FL

Complaint narrative:
Per the FCRA, as a federally protected consumer, I have opted out of any and ALL authorization, I, the consumer, may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802. This Consumer reporting agency has yet and still violated, repeatedly by reporting and sharing my personal information anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted experian and requested the method of verification for my credit dispute. I received a generic letter from them explaining their generic process. The letter did not provide how my specific dispute was handled. They did not provide the requested proof. When i called and spoke with an agent, " XXXX '' in the fraud department he was very rude and dismissive. He told me that any questions needed to be forwarded to the furnisher. I told him they were responsible for reporting accurate information. He told me that was not correct. That he furnishers were the ones who had to verify. I then asked to speak with a supervisor to which he told me they were not available. That I could leave my name. I told him I would like to wait on hold and he told me no. Then he said I could either give my name and number- which he already had, or he would disconnect the call. He then proceeded to hang up on 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 2025-02-18 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I've contacted this company via email and phone I have yet to receive a response to anyone. This XXXX XXXX doesn't belong to me. I have had XXXX XXXX XXXX for 5 years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: Galaxy Capital Acquisitions, LLC
State: HI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) for violating federal law by reporting an unverified debt and failing to comply with consumer protection regulations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Failed to Provide Legal Proof of Debt ( Violation of 15 U.S.C. 1692g ) XXXX was required to provide a signed contract proving I owe this debt. 
The documents they provided DO NOT meet the legal validation standard. 
A billing statement or generic creditor notice is NOT legal proof of debt ownership. 

XXXX. XXXX Reported an Unverified Debt to Credit Bureaus ( FCRA Violation - 15 U.S.C. 1681s-2 ( b ) ) Under the FCRA, XXXX can not report inaccurate or unverified information. 
Since I disputed this debt, XXXX must provide full documentation, or the credit bureaus must remove it. 
XXXX has failed to prove that they legally own this debt. 

XXXX. XXXX Ignored the Statute of Limitations XXXX did NOT confirm whether this debt is within the legal collection period in Hawaii. 
If the debt is time-barred, they must cease all collection attempts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Debt collector from past keeps popping up. Unaware of this debt. Medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was notified that I had a TD bank account open years ago I tried to get it situated with a banker about me not opening and they refused to I went to open an account a year ago and cant get one cause of that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for failing to properly verify an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and relevant consumer protection laws.

I sent a written request via Certified Mail, Return Receipt Requested to Portfolio Recovery Associates, requesting full validation of an alleged debt they claim to own. Under FDCPA 1692g ( b ), PRA is required to provide sufficient documentation proving that : They legally own the debt, including a chain of title showing the original creditors assignment of the debt to them.

The debt is valid, with an itemized breakdown of charges, interest, and payments.

The original signed agreement between myself and the original creditor, demonstrating my contractual obligation to pay.

Instead of providing proper validation, PRA responded with a generic letter stating they had purchased the account and included a single old credit card statement. This is not legally sufficient verification under the FDCPA. The Consumer Financial Protection Bureau ( CFPB ) has previously sued PRA ( CFPB v. Portfolio Recovery Associates , LLC, XXXX XXXX XXXXXXXX ) for these exact violations, including attempting to collect debts without proper verification or legal standing. 

I request that the CFPB investigate Portfolio Recovery Associates for their continued violations of federal debt collection laws and ensure they are held accountable for their failure to provide legally required documentation. If PRA can not validate this debt with proper legal documentation, they must cease all collection activities against me.

Attached, I have included : My original debt validation request letter sent to PRA.

The Certified Mail receipt proving they received my request.

PRAs insufficient response, consisting of only a generic letter and an account statement. 
I appreciate your prompt attention to this matter and request an investigation into PRAs continued unlawful collection practices. Please notify me of any updates regarding this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
The credit Bureau is reporting more inquiries than I have. I should only have like XXXX to XXXX inquiries.

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 2025-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The date of the first delinquency you have does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy Im taking into consideration that The CFBP is suing you as well Im also requesting full disclosure of The XXXX of my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: NY

Complaint narrative:
On XX/XX//2024 I received an XXXX  for my XXXX. I was billed {$630.00} and subsequently paid off the debt with my HSA account on XX/XX//2024. I have attached my HSA transaction export which clearly indicates I paid my bill on XX/XX/2024 for {$630.00} to XXXX XXXX. XXXX. XXXX did not account for my paid bill and sold an incorrect debt to SCSI in my name. 

Since XXXX. XXXX sold an incorrect debt to SCSI and I have been receiving non-stop telephone calls from SCSI indicating I owe a debt that was paid off months ago. I have not received any letters from SCSI indicating I owe a debt and thus have been unable to refute the debt in writing. I do not want to contact SCSI as they have an unfriendly and aggressive demeanor and are requiring that I either contact them via phone or through a form on their website that forces me to allow SCSI to contact me via text, something I do not want. 

I have attached a few documents, the first document is the CSV export of my HSA transactions, outlining I paid XXXX. XXXX the above amount of {$630.00} on XX/XX/2024. 

The second document is another confirmation I paid from my XXXX mobile app. 

The third is an incorrect billing statement from XXXX. XXXX indicating that XX/XX//2024 I still owed the debt despite having paid it off almost two months prior in XX/XX/ 2024.

Company response to consumer: Closed with explanation