vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The account was paid off completely, yet it still shows late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain numerous, repeated, and conflicting inaccuracies that have caused me significant stress, confusion, and potential harm to my creditworthiness, beginning with multiple XXXX accounts showing balances of {$11000.00}, {$4400.00}, {$2100.00}, {$920.00}, {$1000.00}, {$2500.00}, {$9200.00}, {$1200.00}, {$1100.00}, {$4700.00}, {$5300.00}, {$1000.00}, and {$2300.00}, where Experian and Equifax report these accounts as 90 days late with last activity dates varying between XX/XX/XXXX and XX/XX/XXXX, while TransUnion accurately reports them in good standing, creating a pattern of inconsistent and misleading reporting that misrepresents my actual payment history, and further, my XXXX  account XXXX, with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is not reported in Experian but appears in Equifax and TransUnion, and similarly, my XXXX XXXX account XXXX, also with a {$0.00} balance and last activity dates of XX/XX/XXXX and XX/XX/XXXX, is missing entirely from Experian while appearing in Equifax and TransUnion, leaving critical gaps in my credit profile ; these errors violate the Fair Credit Reporting Act ( FCRA ) 611, 623 ( a ) ( 2 ), and 623 ( b ), which mandate the duty to investigate disputed information, correct inaccurate entries, and update all consumer reporting data, and despite my efforts to dispute these errors directly with the credit bureaus and the furnishers, the discrepancies remain uncorrected, leaving my credit history inaccurately portrayed to lenders, potentially affecting my ability to obtain credit or favorable loan terms, and causing ongoing stress and uncertainty regarding my financial standing.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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/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 2025-11-26 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: AR

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several serious errors, including an inaccurate address, misreported account statuses, charge-offs with incorrect balances, and hard inquiries that were either unauthorized or inaccurately recorded. These discrepancies materially misrepresent my creditworthiness and violate the Fair Credit Reporting Act, specifically 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require that all information reported be accurate, complete, and verifiable. 
XXXX XXXX XXXX XXXXXXXX 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 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 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

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OR

Complaint narrative:
Dear Security Credit Services , LLC, Please give formal confirmation that the following account will no longer being reported to the credit reporting agencies such as XXXX XXXX XXXX XXXX and any of your other business related partners. I have already provided a valid police report as per request. According the the Fair Credit Reporting Act FCRA 605B You must belong and delete the fraudulent account from being reported from my credit report. I have provided the following documentation : A valid police report detailing the identity theft incident Pursuant to FCRA 605B ( a ), upon receipt of this information, you are legally obligated to block and delete all information relating to this fraudulent account from my file and to notify all consumer reporting agencies ( including, but not limited to, XXXX XXXX XXXX XXXX XXXX  within four ( 4 ) business days of receiving this notice. Furthermore, under FCRA 605B ( b ), you are required to notify any and all parties with whom you have furnished this fraudulent information, including business affiliates, data resellers, or other third-party partners, that such information has been determined to result from identity theft and must be deleted or blocked from further use. Failure to comply within the statutory time frame will constitute a willful violation of federal law, exposing your organization to civil liability under FCRA 616 ( 15 U.S.C. 1681n ), including but not limited to statutory damages of up to {$1000.00} per violation, plus punitive damages, costs, and attorneys fees. Please provide written confirmation of the following within four ( 4 ) business days of receipt of this notice : That the disputed account has been blocked and deleted ; That you have notified all credit reporting agencies of the deletion ; and That you have informed all associated business partners and third parties of the identity theft and corresponding deletion. Noncompliance will result in the initiation of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of all civil remedies available under federal law. Thank you for your prompt attention to this matter. I expect written confirmation of compliance within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just pulled my report again this morning and notice that the account I reported is still reflecting on my report and this is against Consumer Reporting Act already. I want this account to be permanently deleted on my report within 5 Business Days.

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 2025-11-26 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:
2. CFPB COMPLAINT DRAFT Subject : Complaint Against Equifax and Multiple Furnishers for Violating the FCRA Summary : My Equifax credit report dated XX/XX/year> contains multiple inaccurate, outdated, inconsistent, and unverifiable entries. I have disputed these items with Equifax and the furnishers as required by law. 

Details : Equifax Violations : Missing required sections ( inquiries, collections, public records ) Accepted contradictory and incomplete data from furnishers Reporting outdated derogatory information Not maintaining maximum possible accuracy ( FCRA 607 ( b ) ) Furnisher Violations : Denefits LLC : 4+ years of impossible 180-day delinquencies XXXX : Contradictory delinquency + pays as agreed, inconsistent coding XXXX XXXX : Inconsistent credit limits, incomplete payment history XXXX  XXXX XXXX : Conflicting credit limits and missing history Requested Resolution : Delete unverifiable or inaccurate data Provide full verification documentation Correct incomplete sections of my credit file Ensure compliance with FCRA 602A, 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Subject : Formal Debt Validation Request FDCPA ( 15 USC 1692g Sec. 809 ) To Whom It May Concern, I am writing in reference to an alleged debt your company is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute this debt in its entirety and request full validation. Until proper validation is provided, you must cease all collection activity immediately. 
According to my credit reports, Credence Resource Management is reporting the following account : Collection Agency : Credence Resource Management ( CREDENCE RM ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) Balance : {$3000.00} Status : Collection / Charge-off Comments : Placed for collection Last Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) As required under federal law, I request the following documentation : XXXX. Proof that I am responsible for this debt : - Original signed contract or agreement with XXXX XXXX XXXX - Documentation connecting my personal information to this alleged debt 2. Complete itemized breakdown of the balance : - Original amount owed - Itemization of all fees, charges, and interest applied - Explanation of how the balance reached {$3000.00} 3. Documentation from the original creditor : - Full account number - Last billing statement - Amount owed at time of transfer 4. Proof Credence RM has legal authority to collect : - Assignment or transfer documentation - Date of transfer - Proof of legal right to collect in my state 5. Proof of your debt collection license : - License number - Issuing agency 6. Additional compliance requirements : - Date the alleged debt became delinquent - Original due date - Confirmation whether the debt is within the statute of limitations Under FDCPA, you must stop all collection activities until full validation is provided. Reporting or attempting to collect an unvalidated debt violates federal law. 
If you can not provide the required documentation, you must delete this account from all credit bureaus and provide written confirmation of deletion. 
Failure to validate within the legally required timeframe will result in formal complaints being filed with the CFPB, FTC, Attorney General, and other regulatory agencies. I may also pursue legal action for violations of FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Our home was destroyed by the federally declared disaster ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). We were put on forbearance for the natural disaster in the beginning of XXXX, our loan was bought out by XXXX XXXX XXXX XXXX company around the XXXX timeframe. XXXX XXXX XXXX took us out of our natural disaster forbearance which we did not approve nor did we get a reason. Without or knowing they reported to the credit agencies dropping our credit by almost XXXX points. We are supposed to be protected by XXXX XXXX in California, giving us 12 months of forbearance. XXXX XXXX XXXX customer support has not been helpful or taken our issue serious, even after weve escalated the issue. They are telling us conflicting stories, all calls between us should be recorded and will show that they are negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against JP Morgan Chase Bank ( JPMCB Card ) for willfully failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate reporting on Account # XXXX. 

On XX/XX/year>, I submitted a formal dispute notifying JPMCB that the information they were reporting to the credit bureaus was inaccurate. Despite this notification, JPMCB failed to provide any verification, documentation, or a proper response within the required XXXX-day timeframe. As of XX/XX/year>, they still have not conducted a reasonable investigation or supplied any evidence supporting the accuracy of the reported data. 

Under 15 U.S.C. 1681s-2 ( b ), JPMCB is legally obligated to investigate disputes and correct or delete information that is inaccurate or unverifiable. Their continued reporting without verification violates federal law and has caused ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Back in XXXX I had a Cash App account that was later closed by Cash App for suspicious activity. I no longer have access to the phone number or email on that account. In XX/XX/year> my college sent a direct deposit refund into that closed Cash App account. Cash App is refusing to help me recover access or release the funds, despite my ability to verify identity with ID and school refund documentation. These are my federally-funded student refund funds and Cash Apps refusal is causing financial harm. I have uploaded ID and proof of the deposit. I request that Cash App either release the funds to my school or allow recovery/transfer to an account I control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-26 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: SC

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just checked credit score background history it shows some of the credit that I don't know and I never applied for that's why I was shocked I said I to report this situation

Company response to consumer: Closed with explanation