vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CREDENCE RESOURCE MANAGE in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDENCE RESOURCE MANAGE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in South Carolina. 

Without proof of ownership or a chain of title, CREDENCE RESOURCE MANAGE has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account. 2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into CREDENCE RESOURCE MANAGE 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful.

Account Details ( if required by platform ) Collector : CREDENCE RESOURCE MANAGE Original Creditor : XXXX XXXX Alleged Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for credit card with bank of America and I never received my card in the mail only to find out that two fraudulent purchases were made at a different state from where live on my credit card that I did not make. The bank is refusing to approve my disputes because they believe that I authorized this charge or let somebody use my card when I clearly did not. I never called to activate the card and also I live in XXXX XXXX  and the charges were made in XXXX clearly something is wrong.

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 monetary relief
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit file. These errors are causing me significant financial and personal harm. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the disputed information remains uncorrected. 

Accounts and Information in Dispute : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX These addresses are inaccurate and do not belong to me. Their continued presence on my report suggests possible identity issues or reporting errors. 

Inaccurate Account Reporting : XXXX XXXX XXXX XXXX Balance : {$380000.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

XXXX  XXXX XXXX Balance : {$700.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

XXXX  XXXX XXXX Balance : {$430.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

XXXX XXXXXXXX Balance : {$350.00}, Date Opened : XX/XX/XXXX Reported as Charge-off ; inaccurate and not verified. 

XXXX XXXX XXXX Balance : {$910.00}, Date Opened : XX/XX/XXXX Reported as Charge-off ; inaccurate and not verified. 

Dept. of EducationXXXX XXXX Balance : {$2300.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

Dept. of EducationXXXX XXXX Balance : {$2300.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

Dept. of EducationXXXX XXXXXXXX Balance : {$1700.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

Dept. of Education/XXXX XXXXXXXX Balance : {$3000.00}, Date Opened : XX/XX/XXXX Late Payments reported inaccurately. 

Violations and Harm : These accounts and addresses are either inaccurate, unverifiable, or outdated. 

They create a misleading credit profile, lowering my creditworthiness and interfering with my ability to obtain fair credit, housing, and financial opportunities. 

Under FCRA 602 ( A ) and FCRA 611, I have the right to a fair and accurate credit report. Reporting unverifiable or false data is a direct violation of these rights. 

Requested Action : Conduct a full investigation into all items listed above. 

Permanently delete or correct all inaccurate addresses and account information. 

Provide written confirmation of the results of your investigation and the actions taken.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Experian Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) accounts fraudulent in this complaint be DELETED immediately XXXX. XXXX  XXXX I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX [ ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The information on my credit report is the result of identity theft and should be blocked immediately.

I do not recognize the account ( s ) in question. The account ( s ) were not opened, made, or initiated by me. The aforementioned account ( s ) is/are a result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX [ ] as proof from the US Federal Trade Commission that the aforementioned consumer credit account ( s ) is/are a result of identity theft and fraud. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail. 


FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. [ XXXX XXXX XXXX XXXX ] - [ Account # XXXX ] open date XX/XX/XXXX XXXX. [ XXXX XXXX XXXX ] [ Account # XXXX ] Open date XX/XX/XXXX XXXX. [ XXXX XXXX ] - [ account # XXXX ] [ open date XX/XX/XXXX ] XXXX. XXXX XXXX XXXX XXXX XXXX  [ account # [ XXXX ] [ open date XX/XX/XXXX Sincerely, 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regarding my Transunion Credit Report I was reviewing my Transunion credit report and found that they are reporting a late payment for my XXXX XXXX account for the month of XX/XX/2025. This payment was not late and it is being reported as paid on time by XXXX. According to the FCRA the information in my credit report needs to be correct and accurate along with being reported consistently across all credit reporting agencies. Please update this payment to paid on time because this in accurate information is negatively impacting my credit score and preventing me from getting loans and refinancing my mortgage. I have attached a screenshot of my credit report for your reference.

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 2025-09-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, 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, XXXX, 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 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 2025-09-25 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: GA

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 2025-09-25 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: PA

Complaint narrative:
I am disputing the inaccurate and misleading reporting of a collection account being reported by XXXX XXXX. 

Conflicting Creditor Names The same alleged {$480.00} debt is being reported under two different names : XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. These are not the same legal entity. This is misleading and violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). 
False Original Creditor Designation XXXX XXXX is not the original creditor. 
They are a debt buyer/collector. Reporting them as the original creditor is false and misleading. 
Account Classification Inconsistencies TransUnion shows this account as Collection account, while XXXX  shows it as Placed for collection. These contradictory statuses for the same account are inaccurate. 
Duplicate Reporting of the Same Debt The same {$480.00} account is reported twice under slightly different names, creating duplication and inflating derogatory reporting. 
False Opened Date Re-Aging of Debt The account is reported as Opened XX/XX/year>. This is factually false. I never opened any account with XXXX XXXX. They are not an original creditor, and collection accounts should reflect the original Date of First Delinquency, not a new open date. Reporting it this way constitutes unlawful re-aging of debt. 
Improper Balance Reporting Both reports list the balance as Open {$480.00}. Once an account is charged off and sold to a debt buyer, it can not be reported as an open account.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-25 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX Date : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, XXXX received a wire transfer to its Citibank account # XXXX from XXXXXXXX XXXX XXXX ( XXXX  ) in the amount of {$130000.00}. 

Shortly after receipt of the funds from XXXX, XXXX was notified by Citibank regarding an inquiry into a wire deposit transaction on its account. Citibanks XXXX Department initiated a fraud investigation, put a freeze on account and moved {$65000.00} from the account to the banks subledger. 

XXXX repeatedly spoke to both its Citibank branch in XXXX, NJ, and the XXXX Department. It was initially told by the XXXX Department that an inquiry would be opened that would take 90 days. The XXXX Department extended the timeline for concluding its inquiry multiple times. Ultimately, XXXX was informed that the XXXX Department had concluded that the {$65000.00} did not belong to it and was returned to XXXX. XXXX promptly contact XXXX, which denied receipt of the funds from Citibank. Subesequently, XXXX was notified that its account was closed by Citibank. 

XXXX has made repeated efforts, without success, to obtain information from Citibank on what happened with the funds in question, and to obtain tracking information for the alleged return of the funds to 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 monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Reliant Financial Corporation
State: NV

Complaint narrative:
The information on my account is incorrect. It is reporting closed account and that I have a late payment. Gold Acceptance said they sold my car and they fixed my reporting. It should not say closed account or late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation