vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the above-referenced account that appears on my credit report. This account is being reported by Credence Resource Management for XXXX XXXX XXXX in the amount of {$2000.00}. After reviewing the report, I found several inaccuracies and misleading entries that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines : The account is listed as Open Account, which is inaccurate for a collection account. 

The Date Opened : XX/XX/XXXX does not reflect the original creditors delinquency date, which may improperly re-age the debt. 

The report shows both Balance : {$2000.00} and Past Due : {$2000.00}, which is misleading and damages my credit score. 

The remarks state the account was previously in dispute-now resolved, but I was never provided with proper validation of this debt as required by FCRA 609 and 611.

The estimated removal date of XX/XX/XXXXXXXX  appears inconsistent with the actual date of delinquency with XXXX XXXX XXXX, raising concerns of unlawful re-aging. 

Because of these inaccuracies, this account is being reported in a manner that is incomplete, misleading, and not in compliance with FCRA 607 ( b ).

I am requesting that this account be deleted immediately from my credit report. Please provide me with written confirmation of your investigation and the outcome, as required under FCRA 611 ( a ).

Thank you for your prompt attention to this matter.

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the XXXX XXXX account reported on my TransUnion credit report ( Account Number ending in XXXX ). I request immediate investigation, blocking, and permanent removal of this account under the Fair Credit Reporting Act ( FCRA ) sections 605B and 1681i due to multiple material inaccuracies. 
The issues with the XXXX XXXX tradeline include : Inconsistent reporting of date opened : TransUnion reports XX/XX/XXXX, whereas Equifax and Experian show XX/XX/XXXX. 
Incorrect date last activity and date reported discrepancies across bureaus. TransUnion records XX/XX/XXXX for both, but Equifax reports XX/XX/XXXX, which is outdated and conflicts with TransUnions data. 
The account is marked open with a balance of {$14000.00} and monthly payments of {$480.00}, yet the last payment date is recorded as XX/XX/XXXX, inconsistent with the last activity date. 
Differing payment status reports : TransUnion marks payment as late 60 days but the dispute status is account not disputed on TransUnion, contradictory to Equifaxs account disputed status.

Disputes and remarks indicate conflicting information about whether the account is verified or disputed, which violates the FCRAs requirement for accurate and clear reporting. Under FCRA 605B, because my credit report includes an active fraud alert and I have reason to believe this account is inaccurate or fraudulent, you are required to block and remove this 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 2025-09-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-09 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX  XXXX # XXXX XX/XX/XXXX/XXXX  -- {$11000.00}

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-09-09 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: NC

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-09-09 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: SC

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 2025-09-09 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear [ Banks Dispute Department ], I filed a claim for unauthorized charges, and the bank initially resolved it in my favor since I did not make those transactions. The credited amount was applied to my account, but later it was removed as an adjustment. 

I do not understand why the full amount was taken back. The total dispute was for {$600.00}, and I was told the merchant had already refunded {$21.00}, leaving the correct disputed amount at {$580.00}. However, instead of only adjusting the difference, the bank removed the entire credit. 

I kindly request your assistance in reviewing this matter and restoring the proper refund to my account. 

Thank you for your attention. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I discovered that XXXX is reporting multiple pieces of fraudulent and inaccurate information on my consumer file that are not associated with me and were likely the result of identity theft or misreporting. On XX/XX/year>2025, I submitted a formal written dispute to XXXX requesting the immediate block and deletion of this inaccurate data, pursuant to the Fair Credit Reporting Act ( FCRA ). 
Despite providing a detailed list of the inaccurate information including addresses, phone numbers, business names, and a bankruptcy filing that are not mine XXXX has failed to correct or remove the fraudulent data from my file. This failure has continued to cause me harm to my personal and financial reputation, including the risk of being denied credit or services based on false information. 
I specifically disputed : 7 addresses not associated with me 3 phone numbers that are not mine 4 unauthorized business names falsely linked to me A Chapter XXXX bankruptcy ( XXXX XXXX. XXXX ) that I did not file I submitted my request in writing and gave XXXX ample XXXX to respond and investigate, but to date, they have not fulfilled their legal obligation under FCRA to maintain accurate records or properly investigate consumer disputes. 
I am requesting that the CFPB investigate this matter and ensure XXXX removes the fraudulent information and is held accountable for non-compliance with federal consumer protection laws.

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

Complaint narrative:
I am submitting a complaint because I have found several accounts on my credit report that are being reported inaccurately and in violation of the Fair Credit Reporting Act. These accounts are damaging my credit history, and I am requesting a full reinvestigation and removal of the entries.

To begin, I noticed that XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both showing as late closed. This is incorrect because both of these accounts carry a XXXX balance and should not be reported in a way that suggests ongoing delinquency. Reporting them in this way is misleading and violates FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), as well as FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which require accuracy and updated reporting. 
In addition, there is another XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that is appearing as charged off even though the balance is listed as {$0.00}. This inaccurate reporting is unfair and misleading. Under 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ), I am exercising my right to dispute this information and demand its deletion from my file. 
There are also multiple XXXX  XXXX XXXX accounts that are being reported as charged off with active balances. These include XXXX  XXXX XXXX account ( Balance {$4700.00} ), XXXX  XXXX XXXX account ( Balance {$2200.00} ), XXXX  XXXX XXXX account ( Balance {$7000.00} ), XXXX  XXXX XXXX account ( Balance {$1900.00} ), and XXXX  XXXX XXXX account ( Balance {$3800.00} ). Additionally, there is a XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  ( Balance {$660.00} ) * * being reported the same way. These accounts are listed as charge-offs over {$600.00}, yet I have never received an IRS Form 1099-C for cancellation of debt. Without this documentation, the reporting is not accurate and violates FCRA 607 ( b ), which requires maximum possible accuracy in credit reporting.

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 2025-09-09 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX, Equifax, and XXXX remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a XXXX  based in XXXXMy PayPal account was permanently limited after receiving a payment sent using Goods and Services ( GNS ) instead of Friends and Family ( FNF ). The payment was for legitimate XXXX  work. 

PayPal instructed me to wait 180 days to access my funds. I complied fully. 

However, one day before the 180-day period ended ( Wednesday XXXX XX/XX/year> ), PayPal emailed me saying my entire balance approximately {$420.00} USD had been confiscated for loss recovery. 

I requested clarification and pointed out : There were no chargebacks No disputes from the senders No policy violations No actual losses to PayPal They refused to give details and simply said their decision was final. This feels like unjustified seizure of funds with no due process. 

Details : Date : XX/XX/year>, at XXXX XXXX  Account email : XXXX Approximate balance seized : ~ {$420.00} USD Transaction IDs : XXXX XXXX XXXX I am requesting a formal review of this decision and the return of my funds. I am also aware that many other users especially XXXX  in countries like XXXX have faced similar unexplained confiscations. 

Thank you for your time.

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

Complaint narrative:
I previously submitted a written request to the credit reporting agency ( or agencies ) asking for verification and removal of several hard inquiries that I did not authorize. Despite my request, these inquiries continue to appear on my credit file without any supporting documentation or permissible purpose being provided. 
Here is the list of inquiries I am disputing : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are either duplicate, unauthorized, or unverifiable. Under FCRA 604, a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as a consumer-initiated application for credit or insurance. I have not authorized these inquiries and did not initiate applications for many of these companies on or around the listed dates.

The fact that they remain on my report without confirmation of authorization or purpose may indicate negligent reporting practices, and potentially violates FCRA 611, which requires the credit bureau to correct or delete unverifiable information after reinvestigation.

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 2025-09-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a written request to the credit reporting agency ( or agencies ) asking for verification and removal of several hard inquiries that I did not authorize. Despite my request, these inquiries continue to appear on my credit file without any supporting documentation or permissible purpose being provided. 
Here is the list of inquiries I am disputing : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are either duplicate, unauthorized, or unverifiable. Under FCRA 604, a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as a consumer-initiated application for credit or insurance. I have not authorized these inquiries and did not initiate applications for many of these companies on or around the listed dates.

The fact that they remain on my report without confirmation of authorization or purpose may indicate negligent reporting practices, and potentially violates FCRA 611, which requires the credit bureau to correct or delete unverifiable information after reinvestigation.

Company response to consumer: Closed with non-monetary relief