vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: LA

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 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I received a Notice of Data Incident from but Experian confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 
I disputed these accounts, but Experian failed to remove them within the required 4-day window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. Experian has ignored these protections, leaving me exposed to identity theft harms and unlawful negative 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 2025-10-03 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In early XXXX, I received a text message from a company known as Credence Resource Management. The text they sent stated I owed an XXXX debt in the amount of {$750.00}. I know this debt to be inaccurate due to the last debt collection agency already verifying with me that they were not able to verify the account, therefore deleting it and removing it from my credit report. I still have my original letter of the previous agency, XXXX XXXX  acknowledging the inaccuracy of this erroneous account and removing it. Credence was notified by certified mail to please remove the inaccurate account and they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX. I opened my PNC Bank account about 1-2 weeks ago.

2. Everything was fine. I made my deposit.

3. 1 week later I was constantly calling to verify simple purchases ( multiple times in a day and even right after I just got off the phone with customer support.

4. Yesterday, I had to call twice in order to approve simple purchases. Later that night around XXXX, I decided to check my bank account ( mobile app ) XXXX. Upon logging in, I received a message stating that my PNC account was suspended. 
XXXX. I called the number provided and verified my information. After verifying I was told that they couldn't assist me. I would have to wait until XXXX the next morning in order to get any information or assistance. I was also told that I can go into the local branch for verification. 
XXXX. While on the phone, they made it absolutely difficult for me to verify myself. They asked for my physical PNC debit card information ( which I didn't have due to this being a new account ), they asked for another cell phone number other than the only phone number that is tied to my PNC Bank account. 
XXXX. I waited until this morning and went into the local PNC Branch.

9. Verified myself there and a representative had to call the fraud department. ( took 45 - 60 minutes for a representative to answer the phone ).

10. I was told that my account was being closed. They asked if I had a previous PNC Bank account before and I said yes. ( over 6-7 years ago ). 
XXXX. As I said ok to the account closing, I asked for my funds. 
XXXX. I couldn't receive my funds, stating that they needed verification. 
XXXX. The local representative at the branch received a copy of my driver 's license & check stub for proof of address. ( I didn't have a utility bill ). 
XXXX. I waited 30 more minutes and to no avail, I didn't receive my funds.

15. I have been without cash after verifying over the phone and at a local branch and having both representatives speak with one another - including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a teller check on XX/XX/year>. Capital One replied with a email notice that they would be holding 90 % of the funds past the 2nd business day. I contacted the bank to ask why they would do this with a teller check which is guaranteed funds, and followed up with a phone call referencing the expedited funds availability act ( regulation cc ) ; at that time, requesting they release the funds the following day once Capital One has received them from the payor bank. The customer service supervisor responded they would not because its not their policy. The supervisor permitted me to create an escalation, but I was advised that an escalation will not be addressed for 15 to 30 days. The following day, I confirmed the funds have been paid to Capital One from the payor bank. I then called Capital One, again, and again requested the funds be released as the institution had received them, and there was no risk to the Capital One. I emphasized, that federal law states they must release the funds on the second business day, and that there is no risk because they have already received the funds from the payor bank. I was escalated to supervision again, and advised, again, it is not their policy, and they will not be releasing my funds. I have an opportunity to double my funds with a short window of time to invest ; I explained they are depriving me of the opportunity to use my money, and I will be losing significant money because they have limited my access to my funds .. Again, the supervisor in customer service advised there is nobody to elevate to, and that I will not be receiving my funds info until the hold the institution has placed is released the following week ( XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-03 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-03 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: IN

Complaint narrative:
I am filing this complaint to formally dispute and demand correction of multiple inaccurate and unauthorized items appearing on my credit reports. These errors are severely damaging my credit profile, causing financial and personal hardship. 

XXXX. Wrong Address Reporting The following addresses are being falsely reported under my credit file. I have no connection to these addresses, and their inclusion constitutes a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX, XXXX, IN XXXX Wrong Address XXXX XXXX, XXXX, IN XXXX Wrong Address These addresses are not now, nor have they ever been, associated with me. 

XXXX. Inaccurate Account Information XXXX  XXXX ( Acct # XXXX ) Reported High Balance : {$790.00} Date Opened : XX/XX/XXXX Reported Late Payment ( Inaccurate and not supported by my records ). 

This negative reporting is incorrect, unverifiable, and must be removed. 

XXXX. Unauthorized Credit Inquiries The following inquiries were conducted without my knowledge, authorization, or permissible purpose under the FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these inquiries, and they must be permanently removed from my credit reports. 

Violations Noted Reporting of false and unverified addresses.

Reporting of inaccurate and unverifiable late payment information.

Multiple unauthorized hard inquiries without permissible purpose.

These violations directly infringe upon my rights under the FCRA ( Fair Credit Reporting Act ), 15 U.S.C. 1681. 

Requested Action I am demanding that the CFPB : Investigate these errors with all credit bureaus ( EquifaxXXXX XXXX XXXX  ). 

Require the immediate deletion of all false addresses. 

Remove the inaccurate late payment from XXXX XXXX ( Acct # XXXX ). 

Delete all unauthorized inquiries listed above. 

Provide me with written confirmation once these corrections are completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD Bank USA/Target Credit Account Disputes Department Re XXXX Request for Debt Validation TD Bank USA/Target Credit Account XXXX Acct XXXX XXXX Dear TD Bank USA/Target Credit, I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt.

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state.

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NV

Complaint narrative:
On XX/XX/XXXX I reached out to Aldous and Associates to pay a debt for failure to cancel my gym membership. We worked out a payment plan via phone and by email. They later reported this to my credit although I was making the payments they requested. They strong armed me into paying the rest of the debt in full or else they wouldnt knock it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> SYNCB/Rooms To Go Account Disputes Department Re : Request for Debt Validation SYNCB/Rooms To Go Account, Acct # XXXX Dear SYNCB/Rooms To Go, I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt. 

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state. 

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies. 

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I use multiple credit bureaus but I need my Experian credit rate because every time I apply for credit people keep saying it's one thing but that's not what Experian, Equifax or XXXX  says. Customer service won't answer & the automatic system is terrible but still there allowed to keep my information but I can't get help logging in to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial, RE : XXXX XXXX and XXXX XXXX account # XXXX, GM Financial Retail Installment Sale Contract | Reference # : XXXX | Amount Financed : {$84000.00} | Vehicle : XXXX XXXX XXXX, XXXX : XXXX. GM Financial violated Florida Statute 559.72 ( 9 ) and ( 18 ) by knowingly misrepresenting the status of the debt and providing false information to credit bureaus. ( attached, SEC filing XXXX XXXX. XXXX ). Attached, NOTICE OF DEFAULT AND AFFIDAVIT STATEMENT OF UNDISPUTED FACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> JPMCB Card Services ( Chase Bank ) Account Disputes Department Re : Request for Debt Validation JPMCB Credit Card, Acct # XXXX Dear JPMCB Card Services ( Chase Bank ), I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt.

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state. 

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I found a collections notice on my credit report for a PayPal loan account opened XX/XX/year>, which I did not open. I reported it as fraudulent to XXXX XXXX XXXX and requested documentation, but they could not confirm whether it would be sent by email or mail. I also verified with PayPal that no loan is owed. This is a fraudulent account and must be removed from my credit report immediately.

Company response to consumer: Closed with explanation