vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2025-10-01 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
What Happened I am the victim of identity theft. On XX/XX/year>, I began disputing a fraudulent XXXX Bank tradeline on my credit report. 


XX/XX/year> : I filed disputes with Experian, and the XXXX Bank account was removed. 


Shortly after, the account was reinserted without my consent or verification. 


I filed a second dispute with Experian, submitting an FTC Identity Theft Report and police report, and Experian again removed the account. 

On XX/XX/year>, I received another alert that the same XXXX Bank account had been reinserted for the third time. 


At no point has XXXX Bank provided me with validation of the debt under FDCPA 1692g ( b ), such as the original signed contract or a complete account history. Instead, all they appear to have done is certify the account without documentary proof, and Experian accepted this without sending me evidence.

Experian has never provided me with the required written notice or the documentation used to justify reinsertion within 5 business days, in violation of FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). 


When I spoke with an Experian representative ( XXXX ) on XX/XX/year>, I was told that I must file a new FTC report each time the account is reinserted and that this was the block. This is false and unlawful. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a valid FTC or police report is submitted, Experian must apply a permanent identity theft block within 4 business days. A block is not the same as repeated removals.

I have now been forced to file three separate FTC reports for the same fraudulent account, even though the law does not require this. This cycle of remove reinsert remove reinsert is a loophole Experian is exploiting, and it is causing me financial harm, stress, and delays in securing 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 explanation
Consumer complaint received 2025-10-01 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: DE

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-01 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: OH

Complaint narrative:
I am filing a complaint to dispute an unauthorized hard inquiry from XXXX dated XX/XX/year> that appears on my TransUnion credit report. I did not apply for or authorize this credit pull, which violates the Fair Credit Reporting Act ( FCRA 604 ), and I demand that the creditor be contacted immediately to validate they had my signed written consent. I also noticed a potential reporting error as only one of the two unauthorized inquiries is currently listed on the report.

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 2025-10-01 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.
State: TX

Complaint narrative:
Reason : I completely do not recognize these inquiries and I have had no relationship with this company. 
In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes within 30 days and remove any inaccurate or unverifiable information.

I request that you : Remove the listed inquiries from my credit history.

Send me an updated credit report once the investigation is completed. Notify the responsible entities about the dis
pute, if applicable.

For any questions, you may contact me at : 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/year> EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: VA

Complaint narrative:
I am submitting this formal complaint regarding the mishandling of my debt settlement plan by National Debt Relief ( NDR ), which has directly resulted in a court-ordered bank garnishment, the seizure of over {$21000.00}, and significant financial hardship for me and my family. 

In XX/XX/year>, my wife and I entered into a settlement agreement with XXXX XXXX XXXX for {$7800.00}, to be paid in monthly installments of {$430.00} beginning XX/XX/year>, and continuing for 16 months. 

The first payment of {$430.00} was made on XX/XX/year>, as agreed. 

The XX/XX/year> payment was also made and received. 

However, the XXXX, XXXX, and XX/XX/year> payments were not forwarded by National Debt Relief to XXXX XXXX despite being withdrawn from my account. 

Instead, according to my XXXX statements ( the financial institution that processes withdrawals and deposits for my debt savings program ), I made multiple payments to NDR during this time. These funds were not applied toward my creditor but were instead diverted toward NDRs own fees and legal costs. 

As a direct result of these missed payments : On XX/XX/year>, XXXX XXXX obtained a summons of garnishment through XXXX XXXX for {$10000.00} ( including legal fees and interest ). 

My bank, XXXX, immediately froze and garnished all of my accounts, resulting in a total loss of more than {$21000.00}. 

I lost recently deposited funds, including a {$400.00} Virginia state stimulus payment, was charged additional bank fees, and have been unable to deposit or access paychecks for over a week. 

I also now face a court hearing scheduled for XX/XX/year>, at XXXX XXXX. in XXXX XXXX, where XXXX XXXX will attempt to collect the remaining balance of this debt. 

I have been calling National Debt Relief multiple times a day. While individual representatives have expressed sympathy, no one has given me any answers or provided documentation explaining why my payments were mishandled. The only valid settlement agreement in place requires uninterrupted monthly payments of {$430.00}, and there is no recordeither with me or my assigned attorney, XXXX XXXX XXXX any agreement permitting skipped payments. 

Because of NDRs failure to properly manage and forward payments under the signed settlement agreement, I have suffered significant financial losses and ongoing emotional distress. 

P.S. I also have phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
made a purchase at XXXX using an Affirm virtual card. XXXX issued a full refund, but Affirm has failed to apply the refund to my loan. Their stated reason is a {$2.00} pending authorization from XXXX. XXXX has confirmed there is no active pending charge on their side, and this authorization should have expired under XXXX rules, which do not allow holds to remain more than 30 days if not finalized. It has now exceeded that period, and Affirm continues to deny responsibility and blame XXXX, preventing my refund from being applied. This practice is a violation of card network rules and is causing direct consumer harm by artificially inflating my loan balance. I am requesting that Affirm immediately force-release the {$2.00} authorization and apply my refund to the loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Be sure to follow the legal process outlined in 15 U.S. Code 1681g and remove disputed accounts.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a {$1200.00} collection account with conflicting and inaccurate information. On my XXXX report, the original creditor is listed as XXXX XXXX XXXX, while on my XXXX report the original creditor is listed as Midland Credit Management itself. These contradictory reports can not both be accurate, which makes the account unverifiable under the FCRA. I previously disputed this account with TransUnion, but no validation of the alleged debt was ever provided to me, in violation of FDCPA 809 ( b ). Updating or modifying the tradeline does not cure the fact that the account remains unverifiable and inconsistent. Because Midland failed to validate and continues to furnish contradictory and inaccurate information, I am requesting complete deletion of this {$1200.00} collection account from all credit reports under FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
GFS II LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research GFS II LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-10-01 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: LA

Complaint narrative:
When noticing my credit report, I seen that they reported I was 90 days past due from XXXX. I reached out to an agent asking them to please remove the late payments due to inaccurate information they had listed on my credit report. When speaking with an agent she stated I had 2 accounts which I was not aware of. So, they open another account with my acknowledgement. I requested as a courtesy to remove the inaccurate information that they are reporting. The agent claim they are unable to update the reporting mistake but when I filed a dispute with the credit bureaus, they reported back that all the information was accurate which was false. Here are in XXXX they are telling me my account is still open and active. If it is still open and active, why is it not being reported. So, they have a lot of false information circulating around. Verbally I am being told my account ( s ) are open, but my credit report is showing it is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues 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 2025-10-01 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: GA

Complaint narrative:
Personal Information Dispute Subject : Correction of Personal Information on File Dear Credit Bureau, My credit report contains incorrect personal information. My correct details are : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : XXXX Please remove all other variations of my name, former addresses, and phone numbers.

This request is supported under FCRA 607 ( b ), which requires maximum accuracy. 
Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Personal Information Dispute Subject : Correction of Personal Information on File Dear Credit Bureau, My credit report contains incorrect personal information. My correct details are : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : XXXX Please remove all other variations of my name, former addresses, and phone numbers.

This request is supported under FCRA 607 ( b ), which requires maximum accuracy. 
Sincerely, XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief