vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint against XXXX for continuing to report inaccurate or unverified information on my credit report and against the FDIC for failing to act on a prior complaint I submitted. 

XXXX is currently reporting account number XXXX XXXX XXXX XXXX XXXX as accurate and verified, yet they have provided no documentation or explanation to show how this verification was conducted. I have requested verification, but to date, I have received no response or supporting information from XXXX. 

As of my most recent printed credit report dated XX/XX/XXXX, this account is still listed as active and verified by XXXX, despite the lack of proof or response. This is negatively impacting my credit profile. 

I previously filed a complaint with the FDIC, but that process has led nowhere. The FDIC has not provided a resolution or meaningful update and has not held XXXX accountable for their failure to validate the information they are reporting. 

I am now turning to the CFPB to step in and investigate 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 2025-07-28 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: Credit Control, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Credit Control LLC on behalf of XXXX XXXX. According to Credit Controls own written response to a previous CFPB complaint ( received XX/XX/year> ), the subject account was recalled by the original creditor ( XXXX XXXX ) on XX/XX/XXXX, XXXX Credit Control stated in writing that they no longer have access to the account or authority over it. 

Despite this, the account continues to appear on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681s-2 relating to furnishing inaccurate information. The agency can not verify or validate this debt and has explicitly said so. I have disputed this with the credit bureaus, and I am requesting that the CFPB require Credit Control to : Cease all credit reporting related to this recalled account Provide written confirmation that they have notified the credit bureaus to delete the account Ensure XXXX XXXX does not reassign the account without proper debt validation

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 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XX/XX/2025, I began receiving collection calls and emails from Credence Resource Management regarding an alleged XXXX XXXX XXXX XXXX  debt ( Account # XXXX ). I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and submitted a formal written request on XX/XX/2025, demanding full validation of the debt, including : A signed contract with XXXX XXXX XXXX An itemized breakdown of the charges Proof that Credence had legal authority to collect the debt Evidence that XXXX XXXX XXXX had my consent to share personal data with Credence Credence acknowledged my dispute, ceased phone calls, and stated they would email the documents. I replied " YES '' to their email on XX/XX/2025, but no validation documents were ever received.

Despite follow-ups, neither Credence nor XXXX XXXX XXXX has provided the required documentation. I am deeply concerned that XXXX XXXX XXXX unlawfully disclosed my personal information to a third-party collector without consent, which may violate privacy laws such as the California Consumer Privacy Act ( CCPA ).

I am requesting the CFPBs assistance in obtaining full documentation or corrective action, including a written statement confirming that the account is closed and removed from all reports if validation can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
URGENT DISPUTE : FRAUDULENT ACCOUNT & FAILURE TO NOTIFY To : XXXX  XXXX XXXX XXXX M & T Bank | [ Other Relevant Companies ] Subject : Demand for Removal of Fraudulent Account No Notice, No Authorization, No Liability 1. The Issue M & T Bank ( XXXX XXXX XXXX, XXXX, NY XXXX ) reported a fraudulent account to XXXX  on XX/XX/year>, claiming : " Account Abuse '' {$1000.00} " Unpaid '' debt Account # : XXXX / XXXX I NEVER : Opened this account Used this account Received ANY calls, letters, or emails about it Authorized anyone to open it XXXX. Violations by M & T Bank No Notice : You never contacted me about this account before reporting it. 

No Proof : You never provided a signed application, statements, or transaction records. 

False Verification : When I disputed this, you lied to XXXX  by claiming it was " verified. '' 3. Immediate Demands DELETE this fraudulent account from XXXX within 5 business days. 

Send me a signed letter confirming the deletion. 

Provide ALL records tied to this account ( applications, transactions, communications ). 

If you fail to comply, I will : File complaints with the CFPB, FTC, NY Attorney General, and banking regulators.

Sue for damages under the FCRA ( 15 U.S. Code 1681 ) and state consumer laws.

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 2025-07-28 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:
To : Equifax / XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Re : Account Name : XXXX XXXX XXXX | Amount : {$1400.00} Dear Equifax and XXXX XXXX XXXX, I am writing to dispute and formally request validation of the above-referenced collection account reporting on my Equifax credit report. I do not recognize this debt and am exercising my rights under federal consumer protection laws. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand that you immediately investigate and provide full validation of this account, including but not limited to : The original signed contract bearing my signature, The assignment contract showing transfer of ownership from the original creditor to XXXX XXXX XXXX, The forward flow agreement between all relevant parties, and A full itemization of the debt. 
Under 15 U.S.C. 1692g and Regulation F, I am requesting full validation within the XXXX time frame. Until such validation is provided, any continued reporting or collection activity may constitute a violation of federal law.

Additionally, under : 15 U.S.C. 1692c ( c ) I request no further communication unless proper validation is furnished.

15 U.S.C. 1681e ( b ) Information reported must be accurate and complete ; failure to validate violates this provision.

15 U.S.C. 1681b There must be a permissible purpose to access or report my information.

12 CFR 1026.13 ( Regulation Z ) and 15 U.S.C. 1666b Any attempts to collect or report amounts not properly disclosed and billed violate consumer credit billing protections.

15 U.S.C. 1692e Prohibits false, misleading, or deceptive representations in connection with collection of a debt.

15 U.S.C. 1692f Prohibits unfair and unconscionable means to collect any debt. 
Because no documentation has been presented to prove that I owe this debt or that your agency has legal standing to collect or report it, I hereby demand that this account be permanently deleted from all consumer reporting agencies immediately. 
Failure to comply may result in a formal complaint to the CFPB, FTC, and possible legal action for violations of FCRA and FDCPA. 

Sincerely, XXXX XXXX XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-28 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: GA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Dispute of Fraudulent Account Violation of Consumer Rights Under FCRA To Whom It May Concern, I am writing to dispute inaccurate information reported by Apple Card/Goldman Sachs on my XXXX XXXX XXXX XXXX  credit reports. The account in question is not mine. I was part of a data breach and someone stole my identity and opened up this card. I have tried many times to reslove this but it keeps showing up on my credit report, reporting as a charge off. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that this account be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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: AR

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nTransUnion Consumer Solutions and ExperianXXXXXXXX XXXX XXXX XXXX XXXX\nExperian Dispute Department\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Fraudulent Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Reporting: XXXX\nDear TransUnion Dispute Department,\nThis letter serves as my formal dispute regarding an account on my TransUnion credit file, which is fraudulent and opened without my consent. The account in question is reported as:\nCreditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX\nReference Number: XXXX XXXX\nI, XXXX XXXX XXXX have no knowledge or affiliation with this account. I did not authorize or open any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously attempted to dispute and remove this account since XXXX and it continues to appear inaccurately on my report.\nI am a victim of identity theft, and I am requesting that TransUnion conduct a full investigation into this matter. Upon confirmation, please permanently delete this account from my credit file and prevent it from being reinserted in the future.\nIncluded with this letter are:\nA copy of my government-issued identification\nProof of my current address\nIdentity theft documentation (e.g., police report or affidavit)\nPlease confirm in writing once this fraudulent account has been deleted from my TransUnion credit report.\nThank you for your immediate attention to this matter.\nSincerelXXXX 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 2025-07-28 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-28 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
Hello on XX/XX/XXXX I sent a letter to all XXXX credit bureaus as well as the reporting agency XXXX XXXX  XXXX. In these letters i pointed out multiple violations of reporting errors. I itemized them and asked for them to be verified and brought into compliance. If these errors couldn't be properly verified by the metro reporting standard then they must be deleted. 

After XXXX  days I hadn't heard back from any companies so i called each XXXX of them to follow up. XXXX of them said they wanted verification the letters were from me before proceeding with the investigation. In my initial letters i stated these were my letters, they were signed and dated and included a copy of my ID and a current electric bill. These companies not accepting my letters from the start is a violation of 15 U.S. Code 5 1681i. 

I have since followed up by phone with all XXXX parties. I notified all parties that it had been over 30 days since they received the letters that included the challenged reporting. I notified the parties that the reports had not been brought to metro 2 standards, nor had I been provided any proof that the debts reported belong to me and needed to be deleted immediately I spoke with Transunion today XX/XX/XXXX and had the claim escalated as they have been the only company to respond by mail. They stated that eastern account systems provided them a screenshot. As of today XX/XX/XXXX neither Transunion nor Eastern account systems has provided me with this screenshot or any certifiable proof that I opened any account with the company that is reporting a debt.

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