vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I have received XXXX notifications via text from XXXX different dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year ), all from Credence Resource Management , LLC in response to a debt for account with XXXX XXXX. 

I have never heard of XXXX and have had account with them ever. The messages are to collect a debt of {$260.00} for a settled payment of {$180.00} I have researched these companies to some degree, and as far as I can tell Credence is indeed a debt collector, and OPTIMUM is an internet service provider, seeming to have served MO. However, we have never used their services. Possibilities that I have considered : XXXX. Debt collector for my internet service provider in XXXX, MO while we were living there. We have accrued debt do to COVID-related job loss, and even lost our house in XXXX HOWEVER, our internet service provider was XXXX during that time, and had been cancelled in advance to our move to XXXX XXXX, AR. 

XXXX. The debt potentially could have been redirected to a parent company of XXXX, but I have found no evidence that these XXXX internet providers have any connection with XXXX another so that possibly can be ruled out altogether. 

XXXX. Potential scam. This seems most likely. I have been contacted recently from multiple spam risk numbers, many from NY. My information may have been received independently from these scams, or in a data leak, or potentially from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo debit card was charged {$60.00} at the very end of XXXX as a co-pay at XXXX XXXX XXXX. I have never had an appointment with them before and I did not give them permission to charge my card. 

They refuse to refund me. 

I contacted Wells Fargo and they refuse to do anything. There is XXXX evidence that i authorized this transaction. Please help me get my {$60.00} back

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 2025-06-21 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: AL

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-21 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: NY

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-21 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: CL Holdings LLC
State: FL

Complaint narrative:
Was in process of getting or not getting they kept making apply for the loan every time I wanted something different by the time we concluded and product was delivered I wasnt happy with merchandise went back to the store and I was told that they wont be taking any returns and that the closed my account and couldnt do anything any how because they filed for bankruptcy now Im getting emails from Jefferson capital debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my account without any warning and they still posted my direct deposits even when the account already was closed for a few days! Now I have to wait XXXX to 60 days to receive my funds which I need to feed my kids and daily living expenses.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have called numerous times, spoke to your text support, I even tried their social media ( I shouldnt have to resort to social media for help about my credit report ). I get sent to nothing but more help via texting. But no one seems to get the problem much less fixe it.

# 1. I log in online, I receive an error when trying to download my credit report. I can not access it at all.

# 2. I try to access on outside apps like XXXX XXXX and it has all outdated information. Missing information.I tried to submit request to fix the incorrect info but they are all rejected. Im told I must go through TransUnion directly. 

They refuse to help by ignoring my problem, passing me around and never following up with a solution. I have no where else to go. Because their information is so wrong it has aided in turndowns for a home loan.

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 2025-06-21 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: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 XXXX XXXX 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
This company has refused to revoke ACH access despite me asking multiple times. They have clearly said they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
From XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX balance of XXXX accounts was closed XX/XX/XXXX. XXXX XXXX XXXX balance of XXXX this account was closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX balance of XXXX account this open XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-06-21 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or around XX/XX/year>, I submitted a formal debt validation request to XXXX XXXX Bank ( XXXX ), XXXX, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). I disputed the validity of a debt that was being reported on my credit profile and demanded full documentation and validation of the alleged account within XXXX ( XXXX ) calendar days. 

I explicitly requested : A copy of the original signed agreement or contract ; A full itemized accounting of all charges, payments, and interest ; Documentation proving XXXX XXXX legal authority to collect or report this debt in the State of Illinois ; Proof that the alleged debt is not time-barred under Illinois Statute XXXX XXXX XXXX XXXX XXXX ILCS XXXX ) ; Their registration or licensing to collect debt within the State of Illinois. 

Despite the legal requirements and sufficient time to respond, XXXX XXXX failed to provide proper validation, continued to report the alleged debt to consumer credit reporting agencies, and did not cease collection activities in violation of federal law. 

These actions violate both the FDCPA and FCRA, as well as Illinois state consumer protection laws, including the Illinois Collection Agency Act ( XXXX ILCS XXXX ) and the Illinois XXXX XXXX and Deceptive Business Practices Act ( XXXX ILCS XXXX ). Continued reporting of an unvalidated, potentially inaccurate debt also constitutes furnishing false information to a credit bureau, a violation under XXXX XXXX. XXXX ( a ). 

I am requesting the Consumer Financial Protection Bureau to compel XXXX XXXX XXXX  ( XXXX ), XXXX. to : XXXX. Provide full validation of the alleged debt in accordance with federal and Illinois law ; XXXX. Delete all references to this debt from all consumer reporting agencies if they are unable to validate ; XXXX. Cease all collection activity immediately. 

Their failure to comply demonstrates bad faith and disregard for consumer rights under both federal and state law. I am seeking formal investigation, correction of the record, and enforcement of penalties as appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
These guys have called me before its a phishing scam for your information they get your information and then his supervisor youre given a number for the supervisor and you follow up follow up a call with them and then theyre gon na try to sell you this XXXX insurance theyre posing as one main Financial The phone number I was given is XXXX and this time theyre using the name XXXX XXXX as a supervisor but its the same two guys in the background like its a chop shop and they are honestly honestly honestly scamming people I think its {$190.00} they charge for the insurance is what they want to ensure your accountso Im just giving you this information. Im not sure of the website because it was a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NY

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
XXXX has sent a bill to collections. Upon this bill it has been paid in full. I have a confirmation as well for this payment. Ive spoken to XXXX and they said theres nothing they will do about this. XXXX requesting to have this remark removed from my credit report since theres no balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the continued reporting of a collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX, account ending in * XXXX ), which appears on my Equifax credit report dated XX/XX/year>, under Confirmation # XXXX. This account is now listed as closed but still reflects a balance of {$1100.00}, despite being marked as a collection account. This dispute is not a duplicate. It is based on new information that has appeared on my updated Equifax report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the accuracy and legality of this accounts reporting. To begin, this debt is not mine, and I believe it may be the result of identity theft, though I am not submitting a police report at this time. I am invoking my rights under FCRA 602A ( 4 ), 611 ( f ), and 609 ( e ), which allow for a consumer to dispute unauthorized accounts without requiring a police report. Additionally, there has been no original creditor named, and no signed contract or application has been provided to verify a valid consumer obligation. The account lacks a documented chain of custody or forward flow agreement to prove legal assignment to XXXX XXXX XXXX. There is also no payment history or original terms included in this reporting, which are necessary to prove accuracy and consumer liability. Moreover, under FCRA 611 ( a ) ( 5 ) ( A ), if a credit furnisher can not verify an account with documented evidence, the item must be deleted. Under 623 ( a ) ( 1 ) ( A ), any information that is inaccurate or incomplete is a violation of the statute. I also demand disclosure of how this account was verified under 609 ( a ) ( 1 ), the method of verification rule. The account balance is over {$600.00}, and therefore falls under IRS 1099-C reporting rules. If this debt was canceled, settled, or forgiven, and no 1099-C was issued, this violates tax reporting requirements and further invalidates continued collection or balance reporting. Additionally, the account is reporting in violation of Metro 2 data formatting standards, which require accurate account status, creditor classification, and data fields such as the original creditor and balance reporting codes. A closed collection account should not reflect an active balance, and the absence of transfer details or creditor lineage also violates Metro 2 protocols. This inaccurate reporting also violates FCRA 607 ( b ), which requires all consumer information to be reported with the maximum possible accuracy.

Given these issues, I am demanding the immediate permanent deletion of this account from my Equifax credit report. It is inaccurately reporting, lacks verifiable documentation, may be fraudulent, and violates both credit reporting and consumer protection statutes. Please confirm the deletion in writing. This dispute is based on updated data and is not redundant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
possible finance has been reporting inaccurate information in regards to my credit report I've disputed the account multiple times and at this point it is just a complete violation of my rights

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