vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/2025, I received a debt collection letter from Credence Resource Management regarding an alleged {$2900.00} debt to XXXX. On XX/XX/2025, I formally disputed the debt under the FDCPA and requested full validation, including proof of ownership and assignment, signed documentation, and an itemized breakdown. 

Credence delayed response until XX/XX/XXXX, when they sent a generic itemized bill from a non-disputes email with no legal documentation or proof the debt belonged to me. I responded that same day pointing out deficiencies. They replied only to say the account was " marked as disputed. '' No additional documentation was ever provided. 

On XX/XX/XXXX, I issued a final notice demanding compliance by XX/XX/XXXX. As of XX/XX/XXXX, no response was received. The 30-day validation window expired without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: OH

Complaint narrative:
I have disputed this asking for chain of custody and signed promissory note. XXXX  keeps updating it as verified and thats not true. XXXX  resolved it as verified in less than XXXX hrs, impossible! 

* * These accounts continue to report inaccurate and inconsistent balances, past-due amounts, and date-of-last-payment fields. * * No supporting documentation has ever been provided by the furnisher to validate these claims. 

Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information and must correct or delete any information that can not be verified.

* * I hereby demand the following : * * 1. Immediate deletion of the disputed accounts due to unverifiable data ; 2. A full summary of how your reinvestigation was conducted ; 3. Written documentation used to validate the information or deletion of the items if unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am a victim of identity thief there are inquires on the profile that do not belong to ranging from XXXX up to XXXX. I submitted a request for the information to be investigated and removed. The information was never investigated, however they sent a ticket and stated that the inquires belonged to me.

Equifax is also reported a duplicate of credit line on my account- XXXX XXXXXXXX, I have sent in a request for the information to be removed immediately due to the information that they are reporting is hurting my credit significantly..

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 2025-07-09 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:
To Whom It May Concern, I am filing this formal complaint against Equifax due to their persistent and willful reporting of inaccurate, incomplete, and unverifiable information on my credit report. These errors are causing significant harm to my financial well-being and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite previous disputes, TransUnion has failed to investigate or correct the false entries. I am now escalating to the Consumer Financial Protection Bureau to demand immediate enforcement of my rights. Below is a breakdown of each inaccurate entry : Account : XXXX XXXX * * * Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Charge-Off * * Issue : This account is being inaccurately reported as a charge-off despite showing a {$0.00} balance. A charged-off status with no balance is contradictory and misleading. 
Law : FCRA 1681e ( b ) requires accuracy in reporting. 1681i ( a ) failure to reasonably investigate disputed information. 1681s-2 ( b ) furnishers must correct or delete inaccurate data.

Story : I disputed this account with proof that the account was settled and closed. TransUnion failed to correct the charge-off status, even after the creditor confirmed the balance is {$0.00}. The false charge-off is damaging my credit score and reputation. It implies I defaulted when I didnt, which has led to denial of loans and employment setbacks.

TransUnion has failed to meet their responsibilities under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and 1681b. Their neglect in verifying information and securing my file from unauthorized access has caused severe and ongoing damage to my credit profile and personal life. I respectfully ask that the CFPB enforce compliance, require TransUnion to delete all inaccurate addresses, correct or delete the misreported account, and remove all unauthorized inquiries listed above. I am requesting a full investigation into these matters and appropriate regulatory penalties for XXXX failure to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-09 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I withdrew a loan from my 401 ( k ) account to get back on track with my debt. I had a BOA credit card under my XXXX account company name that fell behind during Covid and I was never able to get back on track. The account was opened many years ago, definitely more than 5 years ago. 

About XXXX years ago, the account disappeared from my online account view, so I assumed it had been charged off. However, it became visible under my online account again about a year ago, and I started making payments as I could. My most recent payment was on XX/XX/year>. On XX/XX/year>, I made XXXX online payments ; I intended to make XXXX payment, but was prompted to make XXXX payments, so I made XXXX payments for {$170.00}. The way the system prompted me I was under the impression it was establishing an automated payment. I have been slowly catching up on debts but with every intention to address all debt owed. 

On XX/XX/year>, BOA did a right to offset less than 30 days after the loan was deposited into my personal account. BOA offset amount was XXXX. To the best of my knowledge, the right to offset was exercised without any online communication or alerts. I have been a BOA customer for many years, over 20 years, so my inquiry is more about the legitimacy of the transaction. I called BOA to ask about the transaction, and a bank representative stated that they have the right to offset regardless of whether the business credit card is issued to an XXXX and do not have any way to undo an offset. Honestly, my initial outreach was to verify that it was not fraudulent, which was confirmed. It was truly a BOA practice per BOA representative. 

The reason I am reach ing out to the CFPB, is to get confirmation from BOA that funds from my 401K which is a loan that I have to pay back every time I get paid is truly subject to right of offset and to find out if it is legitimate to take funds from a personal account to offset a Business Credit Card XXXX XXXX XXXX XXXX XXXX company name ) and thirdly per BOA representative statement " Right of offsets regardless of any new findings after the right of offset has been exercised, can not be undone ''. 

I requested the right of offset agreement but was not able to obtain a copy.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-09 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-09 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Re : Formal Debt Validation and Cease Reporting Demand Account # XXXX To Whom It May Concern : This letter serves as a formal dispute and demand for debt validation pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i ( FCRA ). You are currently furnishing data regarding an alleged collection account with a balance of {$650.00} opened on XX/XX/XXXX, which you have updated as recently as XX/XX/XXXX. 

I categorically dispute this debt. I have never received validation, nor have I consented to the reporting of this alleged obligation. Your reporting is materially inaccurate, and you are in violation of federal consumer protection laws. 

Enumerated Legal Violations : FCRA 607 ( b ) Failure to maintain maximum accuracy of furnished data FCRA 623 ( a ) ( 1 ) ( A ) Furnishing data known or suspected to be inaccurate FDCPA 809 ( b ) Failure to validate debt upon written request XXXX XXXX Compliance Violation A collection account can not legally carry a past due balance. XXXX XXXX mandates static balances for closed, charged-off, or collection accounts. Dynamic delinquency fields ( e.g., past due ) are impermissible on charged-off tradelines. 

FCRA 1681s-2 ( b ) Failure to investigate and correct upon dispute Additionally, I never signed any contract bearing my wet signature binding me to this alleged debt, nor have you presented any proof of your legal standing or license to collect in the State of Alabama

Company response to consumer: Closed with non-monetary relief