vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I had a XXXX  account that i had had for XXXX  years but i transferred my service to XXXX. When i transferred the service i paid my bill that was due and transferred. Later on i found out i had a XXXX collection on my report. I never owed this money and the company hasn't sent me the details of what is due and why. I have challenged the collection with the bureaus and gotten it removed from XXXX  and XXXX  but not XXXX. I need help getting this collection that isn't owed off of my reports as it is effecting my scores in a way that isn't allowing me to get the best rates on loans. Please assist me in getting this off my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} Inquiries : [ No inquiries listed for XXXX ] Late Payments : XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
on XX/XX/XXXX i was scammed for XXXX & XXXX from my checkings account.the first transaction was successful but the XXXX one failed to go through.ilI gave capital one the scammers email and phone number.Capital one said that they'll make a case note and document it but did no further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are listed on my Experian credit report, and I dispute their accuracy : XXXX  XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX. XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my Experian credit report, and I dispute their validity. I request that you verify permissible purpose for these inquiries or immediately remove them : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : 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 2025-12-18 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: CO

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Opting Out of Information Sharing Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX and XXXX CCS XXXX XXXX XXXX XXXX, MA XXXX RE : Request of Opt-Out Provision Under the Graham-Leach-Bliley Act To whom it may concern, This letter does not serve as a debt validation letter. This letter is to formally request the right to opt out of the sharing of non-public personal information with XXXX XXXX XXXX your affiliated and non-affiliated third parties, such as XXXX, XXXX  and XXXX, for marketing and information sharing purposes, as permitted under the Graham-Leach-Blisey The account thats being referred to is Account number : :XXXX and XXXX I request for the information shared to XXXX, XXXX  and XXXX  to be removed from the consumer report the aforementioned account was shared with as a part of this request. If this request is not completed within 15 days of receipt of this notice request, I will be forced to make a complaint with the secretary of South Carolina and yours along with making a complaint to the Federal Trade Commission about non-compliance according to the GLB act.

I hope you understand the nature of this request Thank you for your time and cooperation in this matter. 


Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX XXXX XXXX  and XXXX XXXX XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-18 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. Below, I have outlined the disputed accounts, separated by each bureau. The accounts in question are reported inaccurately, and I believe there are violations under the Fair Credit Reporting Act ( FCRA ) related to incomplete or erroneous reporting. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00}

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/year>, Global Lending Services and their recovery agent " XXXX XXXX '' committed a Wrongful Repossession and Breach of Peace ( Violation of Texas Business & Commerce Code 9.609 ).

Breach of Peace : At XXXX XXXX, I texted the recovery agent directly, denying consent and ordering them off my property. The agent acknowledged receipt of my text but refused to leave and proceeded to seize the vehicle over my objection.

Property Damage : The agent dragged the vehicle ( which was locked in Park with the emergency brake on ) across my lawn instead of using the driveway. This caused significant property damage, leaving deep ruts in the grass and skid marks on the pavement ( photos available ).

Negligence : The agent admitted in writing via text that she was looking for a " XXXX XXXX XXXX  '' vehicle. Despite my vehicle being a XXXX finan

ced by Global Lending, she proceeded with the seizure while operating on incorrect information. Harassment : I have logged over 150 calls from this lender. On a recorded line today, their representative admitted they call " 3 times a day '' as policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: NH

Complaint narrative:
Today Thursday XX/XX/XXXX at XXXX XXXX XXXX XXXX called me on my work phone line and said to one of the sales people that we were working on something together. It was actually to discuss my debt and threatened to tell their client that we werent taking this seriously to pay them back Yesterday ( XX/XX/XXXX ) they called me 6 times from an unknown number ( I have screenshots ) at XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I am filing a complaint regarding Affirms failure to correctly update my loan account after chargeback disputes were closed, which resulted in a duplicate charge and overpayment. 



On XX/XX/year>, I made a {$55.00} down payment to Affirm as part of a {$220.00} installment loan for a purchase from XXXX XXXX. On XX/XX/year>, I paid the remaining balance of {$160.00} early. 



Due to issues related to the transaction, I contacted my bank and requested disputes on both payments. The disputes were processed separately. 



My bank has since completed its investigation and provided a formal dispute disclosure letter confirming that : The disputes are now closed The disputes were resolved without any reversal of funds No provisional credit or payback is pending No funds were removed from Affirm My bank has also confirmed verbally multiple times that Affirm retains both payments and that there is no additional documentation available beyond the disclosure letter provided. 



Despite this, Affirm continues to mark the XX/XX/year> {$55.00} payment as chargeback dispute pending in their internal system. Because of this incorrect status, Affirm charged me an additional {$55.00} on XX/XX/year>, resulting in a duplicate payment and overpayment. 



I have provided Affirm with the banks official dispute disclosure letter and have repeatedly contacted customer support and supervisors. Affirm continues to state that they are waiting on the bank, even though the bank has confirmed the disputes are closed and no further action is pending or possible on their end. 



I am not disputing the loan itself. I am disputing Affirms failure to update their records after dispute closure and their refusal to refund a duplicate charge that resulted from this error. 



I am requesting that Affirm : Correct their records to reflect that the XX/XX/year> payment dispute is closed, and Refund the duplicate {$55.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my credit cards while I underwent a XXXX XXXXXXXX XXXX, these accounts had outstanding balances. They would not reinstate the accounts so I established another line of credit to complete a balance transfer. This balance transfer requires the capital one account number, which is the credit card number itself. I no longer have physical possession of the credit card, the account number is not provided on my statements or online account. Because the accounts are closed, i can not order a new card to obtain the account number. On XX/XX/year> I called customer service and they refused to provide the account number for security purposes, however as a consumer I have a legal right to this information. Because capital one will not provide this information they are actively breaching the user agreement, preventing me from resolving the debt, and causing damages while interest charges accrue.

Company response to consumer: Closed with explanation