vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Dear Credence Resource Management , LLC, I am writing to formally request the cessation of all collection activities concerning the alleged debt associated withXX/XX/XXXX account number XXXX, which you claim I owe the amount of {$2200.00}. 

I believe this account is fraudulent, as I have no knowledge of this debt and did not create any account withXX/XX/XXXX that would lead to this purported obligation. I request that you cease all communication with me regarding this alleged debt, as it is falsely attributed to my identity. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my rights to dispute this debt. Please provide verification of the debt that you are attempting to collect, as required by law. Furthermore, I request that this account be removed from my credit report to remedy any harm caused by its presence. 

Failure to comply with my request will leave me no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider any further legal action necessary to protect my rights. 

Please respond to this letter within XX/XX/XXXXdays of your receipt of this request. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
First, my identity was completely stolen via XXXX. This caused a ridiculous amount of fraudulent purchases with XXXX so I stupidly switched to Wells Fargo. Beyond not believing ANY fraudulent purchases on my account, I was asked to provide a list of items ( including sizes, colors, product type etc. ) from a fraudulent purchase from XXXX. Clearly, that is completely discriminatory. How would I possibly know that information if it was fraudulent? Then something was ordered from XXXX for about {$34.00}. I DO NOT order from XXXX. It sounded like some XXXX site. I filed a claim. Wells Fargo said they had all of this proof that the man in XXXX sent them??? What??? I requested a copy of all of their supposed evidence. I was told 2 months ago I would receive a copy of it in the mail. Never received, shockingly. This bank completely ignores criminal activity, discriminates against people they dont care to deal with, and steals from customers allowing criminals to be treated as protected individuals. You all NEED to take action. Especially the fact that I was asked what was in a fraudulent package that I never received/purchased. I would not know that information. Their dishonest, discriminatory behavior needs to be addressed and I need reimbursement for all fraudulent claims. Until then, this will continue. The executive offices call me and tell me they need 30 more days monthly to keep investigating. They claim they would listen to recorded phone calls-so they can hear the disturbing, illegal way I have been treated ( especially by the fraud dept ). You NEED to hear it and stop closing my case when there is no resolution

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 2025-10-28 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: OH

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law.

Accounts in Dispute : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXXDOFED Account Number : XXXX XXXXXXXX XXXXDOFED Account Number : XXXX XXXX. XXXXDOFED Account Number : XXXX XXXX. XXXXDOFED Account Number : XXXX XXXX. XXXXDOFED Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/2025, I received an email from XXXX stating that my XXXX XXXX XXXX XXXX was one step away from being added to XXXX XXXX. I did not initiate or authorize this action. The email was sent at XXXXXXXX XXXX XXXXXXXX and targeted my email address. 
Concerned about unauthorized access, I began documenting the incident and prepared escalation messages to Synchrony Bank and XXXX requesting an investigation, confirmation of any unauthorized activity, and immediate steps to secure the account. I also requested written documentation of any actions taken. 
I have not yet received a resolution or confirmation that the card was blocked or that the unauthorized attempt was investigated. I am filing this complaint to ensure the issue is formally reviewed and that my account security is restored.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving usher vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint concerns the alleged debt referenced in XXXX XXXX. XXXX, originally associated with XXXXXXXX XXXX XXXX XXXXXXXX involved in collection efforts by XXXX XXXX XXXX XXXX XXXX. 

I have never had a meaningful business relationship with Capital One, N.A., and I have never used any account in my name. XXXXXXXX XXXX  merged into Capital One on XX/XX/year>, as documented in official filings ( XXXX XXXX XXXX XXXX XXXX XXXX  Capital One FAQ announcements, and XXXX merger XXXX letters. 

I was served regarding this debt on XX/XX/year>, XXXX days after the merger, and proper personal service was not performed. At that time, XXXXXXXX XXXX  had ceased to exist as a separate legal entity, making it unclear who XXXX XXXX XXXX is attempting to collect on behalf ofCapital One, themselves, or another entity.

It is important to note that a merger is not the same as an assignment. While the merger made Capital One the surviving entity for Discovers operations and active accounts, it does not automatically confer standing to collect debts that were already closed, charged off, or otherwise transferred through prior assignments, securitization, or purchase agreements. Therefore, any collection attempt on these accounts requires proper documentation of assignment or chain of title.

Previously, I submitted CFPB complaints disputing this debt, including formal debt validation requests to XXXX and XXXX XXXX XXXX. Despite these disputes, collection attempts have continued, and any reporting to credit reporting agencies may have been done without proper validation or permissible purpose, in violation of federal law : FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) for attempting to collect amounts not legally owed, misrepresenting the debt, and failing to provide proper validation.

FCRA ( 15 U.S.C. 1681s-2 ) for any reporting to credit reporting agencies without a permissible purpose or proper validation.

Standing Clarification Request : I request that Capital One : 1. Clearly identify the entity for which XXXX XXXX XXXX is attempting to collect this alleged debt, both on XX/XX/year> ( date of service ) and today. 
XXXX. Provide supporting documentation proving that they, or any entity they are acting for, had legal authority to pursue this debt post-merger, including any assignments, purchase agreements, or chain-of-title documents for closed or charged-off accounts. 
XXXX. Confirm whether they were aware of collection activities by XXXX XXXX XXXX regarding post-merger XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MN

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy required by law. These errors have caused and continue to cause serious negative effects on my personal and financial well-being.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: KS

Complaint narrative:
On XXXX I purchased a vehicle from XXXX XXXX XXXX and they failed to inform me the car was returned for mechanical/warranty issues by the previous owner. I informed them that I reached out to the previous owner because I started having problems with the car. They charge you for a used vehicle inspection fee. I paid XXXX for the vehicle and just had to pay XXXX for a new battery on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax, Experian and Transunion XXXXXXXX XXXX XXXXXXXX Subject : Demand for Deletion of XXXX Accounts Violation of Privacy and FERPA Rights Re : XXXX Accounts : XXXX XXXX XXXX XXXX Dear Equifax\ I am formally disputing the continued reporting of the above-referenced Nelnet student loan accounts appearing on my credit report. These accounts are being reported in violation of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and my right to privacy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
It has come to my attention that XXXX recently faced a class action lawsuit for a major data breach that compromised consumers personally identifiable information, including Social Security numbers, loan details, and financial records. As a result, my private and educational information has been unlawfully exposed and mishandled. The continued publication and dissemination of this data through your reporting system further constitutes an invasion of privacy and unauthorized use of educational records protected under FERPA.

FERPA strictly prohibits the release or sharing of a consumers educational record or related identifying information without express written consent. I have never provided consent for my educational or loan information to be shared with or published by your agency. 
Because this matter involves sensitive, federally protected data that has already been compromised through XXXX negligence, I am demanding that you : Immediately delete all XXXX accounts listed above from my credit file ; and Cease and desist from further publishing or distributing any information related to these accounts.

Failure to comply will result in a frmal complaint being filed with the U.S. Department of Education, Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for violations of FERPA, FCRA, and my right to privacy.

You are required under 15 U.S.C. 1681i ( a ) to conduct a full reinvestigation and provide written verification of the accuracy, ownership, and authorization for the reporting of these accounts within 30 days of receipt of this notice. If you can not produce lawful verification from XXXX that complies with FERPA and data privacy regulations, these accounts must be permanently deleted. 
Please send written confirmation of the deletion to my address listed above.o 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 2025-10-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
XX/XX/year> {$3000.00} was taken from my account by XXXX, though XXXX claimed the bank declined transaction the bank said it didnt 3 times at just over {$1000.00} each transaction. I asked for help from three XXXX  agents and not one offered to take my card through their secured link, they just kept saying it didnt go through and the amount would be released in 24-48 hrs. Then I finally contacted and asked to pay my tickets and the transaction through them not their website, and it went through right away. 
My final ticket was slightly more at {$1000.00} Yet, I still have a hold on an additional {$3000.00} because XXXX hasnt cleared their system.

Imagine someone on minimum wage using money to get to the death bed of a family member and this happens. This needs fixed and should be illegal

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I applied for a simple bank account checking and savings I'm I receive XXXX income I'm fully XXXX I'm a senior citizen I don't have any debt and I don't owe any one I don't have any credit do to data breach and identity theft through XXXX XXXX data breach XXXX  but this thing is there is a lot of financial companies and credit people looking at my status financially there is no another reason I can think of for not being able to get an account with this institution I don't have any other way to think that it's because of my race so XXXX is direct deposit straight to your bank I don't know what else to think in this situation

Company response to consumer: Closed with explanation