vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
My account with XXXX XXXX ( Acct ending in XXXX XXXX XXXX XXXX XXXXXXXX ) is reported as XXXX XXXX to Equifax. 

The issue is : The account is being reported as derogatory, but the information is incomplete and unverifiable. 

Equifax is the only bureau reporting this account, which suggests inconsistency and potential inaccuracy. 

Prior disputes have not corrected the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
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 2025-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Figure Technologies, Inc
State: IL

Complaint narrative:
I applied for a XXXX  thru XXXX who uses FIGURE lending for home equity line of credits. 
Everything was going fine. 
My property is held in a XXXX XXXX. They declined me officially because they state my title is held in a corporation. I called and told them NO it is in a land trust. I was then told to send the certificate of trust. 
I did upload that. I called to verify and nothing was looked at and AGAIN I am told that my property is held in a corporation They seem not to understand what a XXXX XXXX  is. 
Its very difficult to get thru to them on the telephone. 
There OWN WEBSITE states that they do loans on properties held in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
An account with LVNV Funding LLC ( Account Number ending in XXXX, balance {$980.00}, originally from XXXX XXXX ) was wrongfully reported on my credit file. This debt does not belong to me. The account belongs to my father, XXXX XXXX XXXX, not me ( XXXX XXXX XXXX XXXX ). 
I have formally disputed this debt with LVNV Funding LLC multiple times ( letters sent on XX/XX/year> and XX/XX/year> ). In those disputes, I requested validation of the debt, including : A copy of the original contract or agreement that created the alleged obligation. 


Documentation showing LVNV Fundings legal ownership of the debt. 


A full accounting from the original creditor showing a XXXX balance and subsequent activity. 


The name and address of the original creditor. 


Despite my clear disputes, XXXX and their servicer ( Resurgent Capital Services ) failed to provide any of the requested validation. Instead, they continue to report this account to the credit bureaus, causing harm to my credit and financial well-being. 
This is a direct violation of my rights under FDCPA 809 ( b ) ( failure to provide debt validation ) and FCRA 611 ( failure to conduct a reasonable investigation of disputed information ). Additionally, the reporting of this account is inaccurate since the debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Klarna AB
State: AZ

Complaint narrative:
I am filing a complaint against Klarna for improper and unauthorized charges related to a XXXX XXXX XXXX membership. Klarna misrepresented and mishandled these charges in the following ways : 1. Memberships billed as purchases : Klarnas platform is meant for installment purchases ( Pay in 4 ), not recurring memberships. A membership is not a purchase and should not have been processed through Klarnas system.

2. Irregular billing dates : My account was charged {$59.00} on XX/XX/scrub>, 2025, and again {$59.00} on XX/XX/scrub> 2025. A legitimate membership should renew consistently on the same day each month. The irregular dates confirm that Klarna processed these as separate purchases rather than an authorized recurring subscription. 
3. Failure to resolve despite multiple contacts : I have disputed these charges repeatedly through Klarnas support.

I engaged in multiple chat sessions ( screenshot evidence provided XX/XX/XXXX ). 
I completed a 14-minute phone call on XX/XX/XXXX, during which I was told there was nothing more they could do and that it was still under investigation. 
Despite these repeated attempts, Klarna has failed to escalate or resolve my dispute, leaving me financially harmed. 
4. Violation of Klarnas own dispute timeframe : Klarna advertises that disputes are resolved within three weeks ( 21 days ). I reported this issue on XX/XX/scrub>, 2025, meaning it should have been resolved by XX/XX/scrub> 2025. As of XX/XX/scrub>, 2025, it has been 74 days since my first report! More than 3.5 times longer than their own stated deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXXXXXX Date : [ Insert Date ] To : Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Unlawful Collection Reporting Credence RM Account # : XXXX | Amount : {$1600.00} NOTICE OF DEMAND FOR IMMEDIATE CEASE & DELETION This is a formal demand that you cease all collection activity and delete any reporting of the above account from all consumer reporting agencies due to violations of federal law : 12 CFR 1006.34 ( c ) ( Reg F ) requires complete, accurate, itemized validation ( current creditor, breakdown of amount, date ( s ) of service, and documents sufficient for me to determine the debts validity ). A bill or statement is not legal validation. Provide the original signed contract/authorization, full itemization, and chain of assignment ( if applicable ).

12 CFR 1005.6 ( c ) ( EFTA ) limits consumer liability for unauthorized/erroneous transactions. Until you provide itemized proof that any charges were authorized and properly posted, further collection or reporting is unlawful.

15 U.S.C. 1681e ( b ) ( FCRA ) requires maximum possible accuracy. Reporting unverifiable or incomplete data violates this standard.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. If you can not substantiate this debt as required, you must immediately retract and request deletion of any tradeline furnished.

DEMANDS Provide full validation as described above within 15 days of receipt, or delete any reporting you have furnished and cease all collection efforts.

If you verified this with a bureau, disclose who verified it, how, and with what documents.

All future contact must be in writing only.

Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and I will pursue civil remedies for statutory damages for violations of the FCRA and FDCPA.

This is not a refusal to pay ; it is a notice that your claim is disputed. Until you provide lawful validation, you are barred from further collection or reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT FILE

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 2025-08-25 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: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request via XXXX Certified Mail to the address listed on my XXXX  credit report for XXXX XXXX XXXX. This was the official address XXXX  published to consumers for this furnisher. The letter was returned by XXXX as undeliverable not known / unable to forward. This proves the collector is reporting information about me but is not providing a valid mailing address for disputes or validation, which prevents me from exercising my rights under federal law. Adding to the issue, my credit reports show different addresses for this same collector depending on the bureau. XXXX  lists XXXX address, while XXXX  and Equifax list another. This inconsistency itself demonstrates inaccuracy and confusion. A consumer should not be forced to guess which address is correct in order to dispute or validate a tradeline. Because of this : FDCPA XXXX ( b ) : My debt validation rights were obstructed because the collector failed to maintain a valid mailing address. FCRA XXXX ( a ) ( XXXX ) ( A ) : The furnisher is reporting tradeline information that is inaccurate and unverifiable. FCRA XXXX : XXXX, XXXX  and Equifax are publishing conflicting contact information and continuing to report despite evidence that the account is unverifiable. This account is actively damaging my credit profile, and neither the collector nor the credit bureaus have provided me with a reliable way to dispute or resolve the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items appearing on my Equifax credit report. These accounts are reported as charge-offs or collections, and I have no knowledge of any of them. Their presence is damaging my credit profile and financial opportunities, and I request immediate action to delete all unverifiable information. 

XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a high credit of {$5400.00}, is reported as a charge off. I have no knowledge of this account, did not authorize it, and dispute its validity. XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX with a high credit of {$710.00}, is reported as a collection. I do not recognize this account, and the reporting is inaccurate and unverifiable. XXXX XXXX # XXXX, opened on XX/XX/XXXX with a high credit of {$6800.00}, is reported as a charge off. I have no knowledge of this account, and it should be investigated and deleted if it can not be verified. 

I request that the Consumer Financial Protection Bureau investigate these matters, ensure the accuracy of reporting, and take immediate action to delete any information that can not be verified. The continued reporting of inaccurate and unverifiable accounts violates the Fair Credit Reporting Act and is causing measurable damage to my credit reputation and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
Kindly remove these unauthorized accounts from my credit file, as I never approved or opened them and was unaware of their presence. Pursuant to USC 1681g, I ask that they be deleted within XXXX  days. Relevant documents are attached for review.

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One Auto Finance for failing to respond to my written dispute of a deficiency balance and continuing debt collection activities without providing required account validation. 
My vehicle was repossessed by Capital One Auto Finance on XX/XX/XXXX ( Account # XXXX ). They calculated a deficiency balance of {$6600.00} as of XX/XX/XXXX. 
On XX/XX/XXXX, I sent a detailed written dispute letter via XXXX Mail and email to Capital One requesting itemized breakdown of the deficiency calculation. I identified several concerning discrepancies : XXXX. Proceeds from vehicle sale showed {$3200.00} in their letter but {$2400.00} on my online account XXXX. Vehicle sold for unreasonably low amount XXXX. No itemization of {$1100.00} in repossession/selling costs XXXX. No explanation of {$1000.00} in account adjustments Despite sending this dispute over XXXX  months ago, Capital One has completely failed to respond to my written dispute or provide the requested account breakdown and documentation. 
Capital One continues to : Send debt collection letters Report negative information to credit bureaus Pursue collection on disputed debt LEGAL VIOLATIONS : XXXX. Fair Debt Collection Practices Act - Continuing collection without responding to dispute XXXX. Fair Credit Reporting Act - Reporting disputed debt without investigation XXXX. State consumer protection laws- Failing to provide account validation Capital Ones failure to respond has prevented me from understanding or validating this debt. Meanwhile, continued collection activities and credit reporting are causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This account was opened fraudulent using my social security number, name, dob, etc. to obtain credit and goods in my name. XXXX  data breach exposed all my personal identifying information. 


SPRING OAKS CAPITAL LLC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have had this card for years and I have never been charged for a membership fee until now like wow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
FORMAL CEASE & DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : Portfolio Recovery Associates RE : Unlawful Collection Practices and False Credit Reporting To Whom It May Concern, I am writing to formally demand that Portfolio Recovery Associates immediately cease all unlawful collection act XXXX. Contacted me repeatedly by phone, including at my home and workplace, in a manner that constitutes harass XXXX. Reported false and inaccurate information about me to credit bureaus. 
XXXX. Attempted to collect a debt that I do not owe and for which you have provided no valid proof or verification. 
These actions violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) I demand the following : - Cease all contact with me immediately. 
- Cease all third-party communications regarding this alleged debt. 
- Provide full written validation of the alleged debt. 
- Remove all false or inaccurate credit reporting. 
If you fail to comply within XXXX  days of receipt, I will pursue remedies with the CFPB, FTC, and XXXX XXXX A

Company response to consumer: Closed with non-monetary relief