vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I asked for information about an account that's on my credit score. The company said they don't have any information about the account that I gave them and asked for more personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX, I made a XXXX transfer amount XXXX {$3400.00} through PNC mobile banking which is supposed to pay an invoice for the replacement of AC unit. But I had wrongly input the last digit of the recipient 's phone number. So the transaction was sent to a stranger. 

I called and reported this issue to PNC Business Center on XXXX XXXX. PNC put on record about this dispute ( conversation case # XXXX ). PNC asked me try to contact the stranger to see if he/she is willing to XXXX back the money. 

I sent text message to the stranger on XXXX XXXX, the message was delivered but no reply. I called the stranger phone number on XXXX XXXX  and XXXX XXXX, but nobody answer the phone. 

PNC said if I could not solve the problem with the stranger, I should call PNC again tomorrow morning to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Experian : Pursuant to FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the following. Codes are not proof. Obtain running statements and posting ledgers for each disputed month. If you can not independently verify ( see XXXX ), delete/correct. 
XXXX ) XXXX XXXX XXXX ( Acct XXXX  ) misclassified as Charge Card Your report shows : Account Type Detail : Charge Card. XXXX  and XXXX  report the same account as Revolving with a {$3500.00} limit. 
All months disputed to the extent utilization/status is driven by the wrong Portfolio/Account Type. 
FCRA/Reg V : 607 ( b ) ; 611 ; Reg V 1022.42 ( accuracy/integrity ). 
Metro 2 fields breached : Field 11 Portfolio Type ( Charge/Open vs Revolving ) Field 14 Credit Limit ( present on revolving ; inconsistent with Charge coding ) Terms/Payment Frequency fields if mapped to charge behavior Short legal point : Misclassifying the product distorts utilization ( score-critical ) and is misleading. 
Demanded proof : Product contract/spec, Metro 2 map for Field 11/14, and written confirmation of corrected classification. 
XXXX ) XXXX XXXX XXXX ( Acct XXXX ) late codes Your report shows : Current, was past due 30 days two times, with 30-day lates in XX/XX/XXXX and XX/XX/XXXX. 
All late months disputed : XX/XX/XXXX ; XX/XX/XXXX. 
FCRA/Reg V & Metro 2 : Same as XXXX section ( Field 17 ; Field 18/PHP ; DOFD if applicable ). 
Short legal point : Late codes require documentary support ; absent that, remove. 
Demanded proof : Statement + ledger for each late month. 
XXXX ) XXXX  XXXX ( Acct XXXX business card ) Field 26 ( Scheduled Monthly Payment ) shows {$0.00} though other CRAs show a payment figure Your report shows : {$0.00} scheduled payment ; XXXX report XXXX XXXX {$400.00} for the same window. 
All months impacted by XXXX XXXX are disputed. 
FCRA/Reg V : 607 ( b ) ; 611 ; Reg V 1022.42 ( b ).

Metro 2 field breached : Field 26 Scheduled Monthly Payment Amount. 
Short legal point : The required payment for that cycle can not be simultaneously {$0.00} and > {$0.00}. 
Correct to the actual statement amount or delete if unverifiable. 
Demanded proof : Statement & ledger for the XX/XX/XXXX cycle ( or nearest reported month ), and mapping for Field 26. 
Failure to verify to XXXX standard requires deletion/correction under 611 ( a ) ( 5 ) ( A ). I will file CFPB/FTC/GA AG complaints and pursue 616617 remedies if you do not comply.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited XXXX checks into my account on XX/XX/XXXX. I have a relatively new business after purchasing an established business. These checks were from clients I inherited in the transaction and were flagged for potential fraud, which is understandable by itself. I called on XX/XX/XXXX and was informed that my checks needed to be verified, either manually via phone calls with the clients or by the virtual process which would be done on the XXXX of XXXX. The representative verified roughly XXXX checks which allowed me to get through payroll for the week and the rest were supposed to be verified by the XXXX. I wasnt happy about it but it seemed it was part of the process and nothing I could do about it. 

On the XXXX, my account was closed and the majority ( $ XXXX ) of the funds in my account were held. I called to determine what the problem was and they said that they needed to personally verify all of the checks with my clients and knew nothing about a virtual process that I was told would happen. This means for the 12 days in which they were supposed to verify these checks, nothing was done and I was required to call to finish the process. On top of that the XXXX checks that were verified with my clients were not documented and a second call was required. This process required me to be on the phone the whole time and took about XXXX hours of my time over XXXX different days as there was no consistency in what was needed to verify the checks. XXXX representative said it was just having the client verify their zip code and then the next needed zip code, date, amount and check number. 

Finally after getting checks verified, I was told that the back office would approve my check and send it within XXXX business days. This was as of XX/XX/XXXX. It is now XX/XX/XXXX and I was told by XXXX representative it would take another 10 days. Another rep said it will be in by XX/XX/XXXX. 

Due to this whole process I have had a substantial amount of funds held from my small business causing charges from accounts that I otherwise wouldnt have had to deal with, wasting time of my clients who were nice enough to help out, and taking a substantial amount of my time while trying to get the business running among many other things. The verification proved the funds were legitimate but it is now 33 days later and Chase is still in possession of my money. Due to the size of my company and size of Chase I knew there was no repercussions other than sorry for your inconvenience even though their terrible process has caused XXXX  and embarrassment for me. This seemed like the best case scenario for holding them responsible. I hope it does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Subject : Formal Dispute under the Fair Credit Reporting Act ( FCRA ) Request for Comprehensive Correction, Removal of Unauthorized Inquiries, and Credit Score Adjustment Dear Sir or Madam : I hereby submit this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccuracies and irregularities in my credit reports that constitute violations of accuracy and investigation requirements. 

XXXX. Unauthorized Credit Inquiries My reports reflect hard inquiries that I never authorized, made by the following entities : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX de XXXX XX/XX/XXXX None of these inquiries were authorized by me. Under the FCRA, every hard inquiry requires prior, specific consent. I demand their immediate deletion. 

XXXX. Expired Inquiries The inquiry by XXXX XXXX  XXXX XX/XX/XXXX must be deleted, as it has already exceeded the two-year legal reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ).

3. Improper Reporting of Student Loans My reports continue to list loans with the U.S. Department of Education, even though they have already been reported for the maximum legal term. While the debt remains valid and current, its continued reporting is unlawful and violates consumer protections. I demand immediate deletion. 

4. General Inaccuracies False late payments, when my record is 100 % on time. 
Reporting of a delinquent account that does not exist. 
Negative reporting of XXXX XXXX XXXX, despite nearly XXXX ( XXXX ) years of current accounts. 
Unauthorized inquiry by XXXX de XXXX XX/XX/XXXX. 

XXXX. Evidence XXXX XXXX  XXXX XXXX I enclose the credit denial letter from XXXX XXXX, XXXX, dated XX/XX/XXXX, which proves that my application was denied based on negative items reported by the bureaus, including alleged delinquent accounts, excessive consumer finance accounts, and account age factors. These claims are false, outdated, and have caused direct financial harm. 

Legal Demand Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ), I demand : 1. Immediate removal of all unauthorized and expired inquiries. 
XXXX. Deletion of improper reporting of student loans. 
XXXX. Elimination of all inaccurate and obsolete accounts, including the false delinquent account and XXXX XXXX XXXX negative entry. 
XXXX. Comprehensive correction of my credit report. 
XXXX. XXXX of my XXXX XXXX to a fair and accurate level, reasonably reflecting XXXX or higher. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o. 

Sincerely, 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 2025-10-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

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 2025-10-01 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: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX ( {$470.00} ), XXXX  ( {$0.00} ), XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX ( {$25000.00} ), XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$860.00} ), XXXX XXXX  XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX ( {$700.00} ), XXXX ( {$5400.00} ), XXXX XXXX  ( {$860.00} ), XXXX XXXX  ( {$700.00} ), XXXX  XXXX XXXX ( {$22000.00} )XXXX XXXX XXXX XXXX ( {$63.00} ), XXXX XXXX ( {$580.00} ). Inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-10-01 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: CO

Complaint narrative:
Dear Experian 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 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 BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I applied and obtain a line of credit from XXXX  and signed a line of credit agreement with XXXX XXXX XXXX XXXXXXXX XXXX. for {$3000.00}. On XX/XX/year>, I obtained a cash advance of {$1000.00}. On XX/XX/year>, I obtained a cash advance of {$1600.00}. My first payment was due and paid on XX/XX/year>, with subsequent payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite having paid {$850.00} thus far, I still owe {$2600.00}. I contacted the lender via email earlier today and told them that I could not sustain this, i.e. paying exorbitant interest rates. I told them I did not understand the 10 % transaction fee when I took out the loan, and that i thought it was applied as one loan. 
I didn't understand that the XXXX draws made it be calculated differently. I told them I needed the terms to be renegotiated on this loan, and that i thought this interest rate, in Florida, was actually usury and violated the law. The Customer Support team replied "... your minimum payment is {$5.00} for every {$100.00} on the cash advance balance rounded up, plus 2.5 % of your cash advance balance. Unfortunately, we would not be able to reduce your minimum payment. I apologize for any confusion. '' The problem is the exorbitant interest rates and fees, not the minimum payment, although I do need a smaller monthly payment. I then receevd a second email from XXXX  regarding the repayment structure for my Line of Credit # XXXX stating that they would review the matter and contact me within 10 days. I believe the loan agreement violates Section 5.16.031, Florida Statutes, and is a usurious contract pursuant to Section 687.01 ( 1 ). Further XXXX  failed to provide me with a Truth In Lending Act ( TILA ) Statement in violation of 12 CF $ Part 1026 - Truth in Lending ( Regulation Z ), under TI

LA, 15 USC 1601 et seq. title I of the Consumer Credit Protection Act.

Neither XXXX  nor Republic appear to be licensed by the OFT. I believe their loan to be unenforceable and uncollectable in Florida pursuant to Fla. Stat. Sec.

560.125 ( 1 ), and the loan should be cancelled and all my money refunded as they are operating as a payday lender. I believe this agreement violates the Federal Truth in Lending Act and is a deceptive and unfair trade practice pursuant to Fla. Stat. Sec. 501.201 and 501.233 .. XXXX  is an unauthorized lender in the State of Florida .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, the servicing of my Mortgage was transferred from XXXX XXXX XXXX XXXX XXXX Bank of America. On XX/XX/XXXX, the servicing of my Mortgage was transferred from Bank of America to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I submitted written requests for information to Bank of America requesting the following : Payment history, Servicing Notes, Call Logs, Modification ( s ), Welcome Letter, and Good-Bye Letter. As of this date, I have not received the requested documents from Bank of America.

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