vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXXXXXX XXXX XXXX XXXXXXXX, opened XXXXXXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance 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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
NTL Recovery Agency is illegally reporting a collection account in the amount of {$2200.00} that allegedly opened on XX/XX/year>. I have never entered into any agreement with this company, nor have I signed any contract authorizing my personal information to be transferred or sold to them. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e and 1692g ), debt collectors are prohibited from misrepresenting information and must provide proper validation of debt upon request. No validation has ever been provided.

Additionally, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), furnishers of information are legally required to ensure the accuracy and completeness of the information they report. Reporting an account without furnishing proof of a wet-ink signature agreement is a direct violation of this requirement. It is also illegal for any company to possess, share, or use my personal information without my consent, which falls under violations of both the FDCPA and FCRA. 

I disputed this account, yet NTL Recovery Agency and the credit bureaus failed to provide validation or proof of any legal contract. Continuing to report without evidence is a willful violation of federal law and causes ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC
State: MO

Complaint narrative:
GFS II LLC Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year>2023 THIS ACCOUNT IS NOT MINES, THIS ACCOUNT WAS OPENED fraudulent AND WITHOUT MY CONSENT. I AM THE VICTIM OF A DATA BREACH HOW MY Information WAS EXPOSED TO THIEVES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXXDebt Collection Company reporting un-validated debt to credit bureaus. \nCredence Resource ManagementXXXX XXXX XXXX XXXX XXXX  I mailed a Debt Validation Request to Credence Resource Management via certified mail regarding a collection account they reported to the credit bureaus. USPS tracking confirms it was delivered on XXXX XXXX XXXX XXXX XXXX TX.(tracking # XXXX XXXX XXXX XXXX XXXX XXXX Despite receiving my dispute, Credence has failed to provide validation of this alleged debt. Under 15 U.S.C. 1692g(b) of the FDCPA, a debt collector must cease collection activity, including credit reporting until validation is provided. By continuing to report this account without validation, they are in violation of the FDCPA and the Fair Credit Reporting Act(FCRA).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the original purchase agreement from the original creditor, XXXX XXXXXXXX XXXX XXXX XXXX to verify ownership and the accuracy of this account. The reported balance of {$560.00} exceeds the original credit limit of {$400.00}, and the account is being incorrectly reported as open even though it was closed on XX/XX/year>. If the documentation can not be provided, please delete this account from all three credit bureaus.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/XXXX SSN : XXXX  [ Date ] XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute Citi XXXX  XXXX  Acct # XXXX To Whom It May Concern, I dispute the Citi account on my file as inaccurate. Errors include : 1. Reports {$180.00} past due after charge-off ( should be {$0.00} ). 
2. Monthly CO updates from XXXX = illegal re-aging. 
3. Highest balance {$250.00} exceeds {$200.00} limit.

4. Past due conflicts with charge-off status.

5. Dates inconsistent : last payment XX/XX/XXXX, yet still updated in XXXX. 

Per FCRA 609611, please investigate and verify with Citi. If unverifiable, correct or delete this account. 

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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
TEK Collect Inc is reporting a collection account in the amount of {$1800.00}, allegedly opened on XX/XX/year>. I have never signed or entered into any agreement with this company. They are reporting my personal information without my consent, which is illegal under both the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). 

Under the FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors must provide proper validation of a debt when requested. TEK Collect Inc has never provided validation or proof of any original contract. Without a wet-ink signature showing I agreed to this debt or authorized my personal information to be shared with them, they have no legal standing to collect or report this account. 

Under the FCRA, furnishers of information must ensure the accuracy and integrity of what they report. By continuing to report unverifiable information after disputes, TEK Collect Inc is willfully violating federal law. This is not only inaccurate reporting but also unauthorized possession and use of my personal information.

This account is damaging my credit standing, causing financial hardship and directly impacting my ability to qualify for credit, housing, and 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 2025-08-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was being sue by Midland Credit Management of a debt that they acquired from XXXX XXXX XXXX XXXX  in which the company closed and had filed for bankruptcy last XX/XX/XXXX. In which they are claiming I owed {$5900.00} in which I cant verify since they are no longer existent. 


I did try to settle last XXXX through XXXX XXXX but according to Midland Credit Management they are not accepting any offer and I have to pay lump sum since theres already a judgement on the account which was false since the XXXX hearing was scheduled for XXXX XXXX. 


I attended the 1st hearing and I submitted A Notice Of Arbitration to the court, since the original creditor has provision for Arbitration and mailed a copy to MCM. The court stated they are going to schedule another hearing in 60 days.

By XXXX, I received a copy of the answer of MCM to Motion to Compel Arbitration and included in the document was a last page titles Order on Dependents Motion to Compel Arbitration in which it stated I have 30 days to initiate arbitration but the page was not dated/ signed by the judge and never got a court-stamped order I also received a Hearing Notice from the court dated XX/XX/XXXX. The hearing is schedule for XXXX XXXX, XXXX  I did work on initiating Arbitration thru XXXX  Arbitration, Mediation and XXXX  since XXXX when I ask for court regarding Arbitration. Since I am not a lawyer it took me a while with several attempt to finalizing my submission in XXXX XXXX. 

XXXX  send a notice to MCM regarding the arbitration and fees dated XXXX XXXX, XXXX, in which I paid mine during the submission last XX/XX/XXXX. The lawyer informs XXXX  that Arbitration should be closed since I violated the court order stating that I should have filed the Arbitration with 30 days of the court ruling, but the only document I received wasnt signed by a judge and I never got a court-stamped order. They also stated that the hearing in reviving the lawsuit is schedule for XXXX XXXX, XXXX. 

I received a copy of an email sent by MCM paralegal to the court clerk regarding Motion to Revive Suit After Abatement and Set Case for Trial. Again, the last page was not signed by judge and was not stamped. But the way the lawyer communicated to XXXX  its already a court order and reason to close the Arbitration I am filing a complaint because of MCM debt collector misconduct them giving false information, felt I am being intimidated and my rights for Arbitration being ignored.. All of this are taking a toll in my mental and physical health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have found a fraudulent account on my credit report, the account is XXXX XXXX XXXXXXXX with the account number XXXX and fraudulent hard inquiries 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 XXXXXXXX

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SD

Complaint narrative:
I see a increase of balance owed on my indigo XXXX and I just paid XXXX. 
I recently changed checking accounts with XXXX XXXX and I was attempting to erase the old checking account off the methods of payment and it wasn't letting me. I also tried to erase the set payment that was using the old checking account but it wasn't letting me also. I did enter my new checking account information and used that to make a payment. I got a fee for the old checking account getting used even though I tried erasing it. 
I called customer service but I couldn't make out what the representative was saying, broken English and background noise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate and not belonging to me.

Under 15 U.S. Code 1681g [ 609 ] A consumer reporting agency is required to disclose the sources of information and provide a copy of the original contract or application bearing my signature if they claim I am responsible for these accounts. I previously requested this information, but it has not been provided.

Under 15 U.S. Code 1681e ( b ) [ 611 ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information. 

Because these accounts are inaccurate, unverifiable, and not mine, I am requesting immediate deletion and permanent blocking of the following accounts from my credit file : Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} Opened : XX/XX/year>XXXX  Account Status : Collection XXXX XXXX XXXX XXXX / XXXX XXXX TX Balance : {$2500.00} Opened : XX/XX/year> Account Status : Collection

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate and not belonging to me.

Under 15 U.S. Code 1681g [ 609 ] A consumer reporting agency is required to disclose the sources of information and provide a copy of the original contract or application bearing my signature if they claim I am responsible for these accounts. I previously requested this information, but it has not been provided.

Under 15 U.S. Code 1681e ( b ) [ 611 ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information. 

Because these accounts are inaccurate, unverifiable, and not mine, I am requesting immediate deletion and permanent blocking of the following accounts from my credit file : Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} Opened : XX/XX/year>XXXX  Account Status : Collection XXXX XXXX XXXX XXXX / XXXX XXXX TX Balance : {$2500.00} Opened : XX/XX/year> Account Status : Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TN

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. 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. 

The following items I would like to dispute are as follows : 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  These accounts were reported without my written consent, and fall under the exclusion provisions of the FCRA, and must be deleted.

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
THE COMPANY SOLD THE VEHICLE AND NOTIFIED ME AFTER THE FACT. THE COMPANY IS STILL SHOWING THE ACCOUNT IS OPEN, WHEN IN FACT IT IS CLOSED. In New York State, the statute of limitations for credit card debt is three years, which went into effect on XX/XX/year>, under the Consumer Credit Fairness Act ( CCFA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> EXPERIAN TRANSUNION EQUIFAX

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