vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

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

Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer r
eporting agency shall ( I ) promptly delete item of information from the file of consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Xact Loans ( XXXX ) uses XXXX in a scheme to charge triple digit interest rates. I had an account with XXXX, and they subsequently sold the debt to a third party. XXXX is reporting the account to the credit bureau as sold, but they continue to report a balance owed. 

I reached out and asked that they update the balance to reflect zero now that they have sold the account ( as this is required by FCRA ). They responded that they will not update the balance and it is company policy to continue to report the balance, despite the debt being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Caneel Capital, LLC
State: NY

Complaint narrative:
I never knew who had the loan, I wasn't informed when XXXX XXXX  got the loan and wasn't informed when trinity financial services llc took over the loan, I didn't agreed to terms and conditions trinity financial services gave me, I needed more time to pay and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
Account : XXXXXXXX XXXX XXXX XXXX I am writing to formally demand the immediate deletion of a fraudulent XXXX account that is inaccurately reporting on my Equifax consumer credit report. Despite previously notifying Equifax that this account has been identified as fraudulent and reported to the Federal Trade Commission ( FTC ), and a police report has been filed with the FBI, however Equifax continues to stall and neglect its responsibilities under the Fair Credit Reporting Act ( FCRA ). 

The continued reporting of this account is not only erroneous but a direct violation of my consumer rights under 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. You are legally obligated to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving my dispute and promptly delete or correct any information that can not be verified. 

Instead, Equifax has engaged in stall tacticsfailing to remove inaccurate data, delaying responses, and allowing XXXX to repeatedly add and remove remarks in a way that artificially manipulates and damages my credit score. This behavior is unacceptable and represents willful noncompliance with the law. 

Please be advised of the following : The XXXX account in question has been reported to the FTC as fraudulent. 
I am demanding immediate deletion of the account from my Equifax report.

If Equifax fails to comply within 15 days from receipt of this letter, I will have no choice but to pursue legal action for damages under FCRA 1681n and 1681o, including but not limited to statutory, punitive, and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-29 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: MD

Complaint narrative:
XXXX said : Thanks heres a stronger version of your CFPB complaint including the fact that you already asked them to stop : Complaint Description : On XX/XX/year>2025, I mailed a certified debt validation and cease communication letter to XXXX XXXX XXXX and XXXX XXXX XXXX regarding a collection account they are reporting. My letter cited FDCPA 1692g and requested full validation : original signed contract, chain of title, and account history. I also clearly requested that all communication be in writing only. 

Despite this, XXXX called me by phone, ignoring my legal request and violating FDCPA 1692c ( c ) ( which prohibits contact after a written cease request ). They also failed to validate the debt within 30 days and are continuing to report it to the credit bureaus, which is a violation of FDCPA 1692g ( b ) and FCRA 1681i I HAVE ATTACHED LETTER AND SCREENSHOT OF CALL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681s-2 ( b ), concerning an account inaccurately reported by XXXX  on my credit reports with TransUnion, Experian, and Equifax. 

Despite XXXX disputes submitted to each credit bureau, this account continues to report inconsistent and erroneous information. Each bureau has verified the account without correcting the discrepancies or properly investigating the claims, as required by law. I now respectfully request your assistance in having this account removed from my credit file due to ongoing inaccuracies and failure to comply with FCRA requirements. 


Details of the Disputed Account : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Credit Line ( Line of Credit / Check Credit Line ) Status : Closed Balance : {$1300.00} Past Due : {$140.00} Monthly Payment : {$49.00} Last Reported Dates : TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX Date Opened : TransUnion XX/XX/XXXX, Experian XXXX Equifax XX/XX/XXXX Last Payment Date : TransUnion & Experian XX/XX/XXXX, Equifax XX/XX/XXXX Date Last Active : TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX Credit Limit : Experian {$4000.00}, TransUnion {$4000.00}, Equifax {$0.00} High Credit : TransUnion {$2900.00}, Equifax {$4000.00} Specific Inconsistencies : Date Opened : Varies between XX/XX/XXXX and XX/XX/XXXX. 
Credit Limit : Experian and TransUnion list {$4000.00} ; Equifax lists {$0.00}. 
High Credit : TransUnion shows {$2900.00} ; Equifax lists {$4000.00}. 
Date Last Active & Date of Last Payment : Do not match across the bureaus. 
Status Comments : Equifax and Experian differ on whether the account was closed by grantor due to inactivity or not. 
Payment History : The same XXXX late payment is reported inconsistently with varying prior statuses ( e.g., XXXX and XXXX days ) on different bureaus. 


These discrepancies reflect a failure by the data furnisher and credit bureaus to ensure the accuracy, completeness, and consistency of reported information, which violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ). 

Despite repeated disputes, the inaccurate information continues to be re-verified without proper correction or explanation. I believe this qualifies as willful noncompliance and negligent 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681s-2 ( b ), concerning an account inaccurately reported by XXXX  on my credit reports with TransUnion, Experian, and Equifax. 

Despite XXXX disputes submitted to each credit bureau, this account continues to report inconsistent and erroneous information. Each bureau has verified the account without correcting the discrepancies or properly investigating the claims, as required by law. I now respectfully request your assistance in having this account removed from my credit file due to ongoing inaccuracies and failure to comply with FCRA requirements. 


Details of the Disputed Account : Creditor : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Credit Line ( Line of Credit / Check Credit Line ) Status : Closed Balance : {$1300.00} Past Due : {$140.00} Monthly Payment : {$49.00} Last Reported Dates : TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX Date Opened : TransUnion XX/XX/XXXX, Experian XXXX Equifax XX/XX/XXXX Last Payment Date : TransUnion & Experian XX/XX/XXXX, Equifax XX/XX/XXXX Date Last Active : TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX Credit Limit : Experian {$4000.00}, TransUnion {$4000.00}, Equifax {$0.00} High Credit : TransUnion {$2900.00}, Equifax {$4000.00} Specific Inconsistencies : Date Opened : Varies between XX/XX/XXXX and XX/XX/XXXX. 
Credit Limit : Experian and TransUnion list {$4000.00} ; Equifax lists {$0.00}. 
High Credit : TransUnion shows {$2900.00} ; Equifax lists {$4000.00}. 
Date Last Active & Date of Last Payment : Do not match across the bureaus. 
Status Comments : Equifax and Experian differ on whether the account was closed by grantor due to inactivity or not. 
Payment History : The same XXXX late payment is reported inconsistently with varying prior statuses ( e.g., XXXX and XXXX days ) on different bureaus. 


These discrepancies reflect a failure by the data furnisher and credit bureaus to ensure the accuracy, completeness, and consistency of reported information, which violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ). 

Despite repeated disputes, the inaccurate information continues to be re-verified without proper correction or explanation. I believe this qualifies as willful noncompliance and negligent reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX I contacted a man named XXXX through XXXX XXXX XXXX and was asking for help on getting my sons weekly rent payment of {$430.00} that he sent me and I didnt receive and all the while he was stealing money from my account through XXXX  XXXX  and XXXX XXXX XXXX was {$430.00} and XXXX was another {$430.00} and {$970.00}. The {$430.00} through XXXX was under a name XXXX XXXX XXXX XXXX and the {$970.00} was through XXXX XXXX XXXX XXXX under product and no product was purchased. I tried calling the man XXXX back and he hung up on me, thats when I called my bank Citizens and filed a dispute on all three transactions and they approved the XXXX one for {$430.00} but not the other two totaling {$1400.00} saying I authorized these transactions which I have told the bank I most certainly didnt. I just want my {$1400.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LPI, INC.
State: FL

Complaint narrative:
On thursday XX/XX/XXXX the company LP financial contacted my sister and told them I purchased a hot tub and they were looking for me. They also contacted my mother, I did not provide these phone numbers for them to reach out to and it is illegal for them to discuss my debt with anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
I received a text message from a company called Tate and Kirlin. The text that I received from this company said I owned them some large amount of money from a creditor in reference to a car loan. I have emailed them to see some kind of proof that validates that the debt is mine. 

They also have an old address listed on my account from a house we lived in XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been getting a Statement for Citibank for several months now on an account that has my name, address but doesn't belong to me. Whenever, I call them and they try to find the account with my identifying info such as my ssn, dob, or an account # that is on the letter they are stating that they can not find me and that I am not in their system. 

I used to be a Citibank customer years ago but in 2021 I closed the account when someone tried to use my information with Citibank. Furthermore, when I moved from XXXX  to XXXX  and there isn't any Citibank locations in XXXX  so I definitely had no business with them. This is messing up my Credit Report and I am a XXXX yr old XXXX  XXXX  that doesn't need these kinda problem. I think that this is a case of XXXX  abuse and I am tired of calling and writing to them and nothing is being done about it.

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 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
They stated the sent a closure notice for suspected fraud in XXXX, I never got the notice but called XX/XX/XXXX when my card declined and was informed that the card was locked for suspected fraud and I had to fax or mail a photo of my license. I mailed in the requested information but my account was closed XX/XX/XXXX. 
I was told that no matter what I did fax or mail from the date of the phone call it would have been too late and even if proof is shown the requested documents were sent prior to the close date nothing can be done to remedy the situation. 
If the account was so close to closure when I called they should have extended it or have some sort of immediate way like email or online verification so that I could prove my identity. 

This was my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: VA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief