vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading personal information that is being reported on my credit files by the XXXX major credit bureaus : TransUnion, Equifax, and Experian. I have recently obtained copies of my credit reports and have discovered several pieces of erroneous personal identifying information that do not belong to me and are negatively impacting my credit file. 

The following information is inaccurate and I demand that it be immediately removed from my credit reports : Erroneous Personal Identifying Information : Names/Aliases : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These pieces of information are not mine and their presence on my credit reports is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that this inaccurate information may be linked to other accounts or credit activities that are not mine, which could lead to identity theft and a significant drop in my credit score. 

I have already attempted to dispute this information directly with the credit bureaus, including TransUnion at the address listed below, but the information has not been corrected or removed. 

TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am requesting that the CFPB investigate this matter and compel the credit bureaus to : Immediately and permanently remove all the erroneous personal information listed above from my credit files. 

Provide me with confirmation in writing that this information has been purged. 

Take steps to ensure that this inaccurate information is not re-added to my credit reports in the future. 

I have attached copies of the relevant sections of my credit reports highlighting the inaccuracies for your review. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading personal information that is being reported on my credit files by the XXXX major credit bureaus : TransUnion, Equifax, and Experian. I have recently obtained copies of my credit reports and have discovered several pieces of erroneous personal identifying information that do not belong to me and are negatively impacting my credit file. 

The following information is inaccurate and I demand that it be immediately removed from my credit reports : Erroneous Personal Identifying Information : Names/Aliases : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These pieces of information are not mine and their presence on my credit reports is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that this inaccurate information may be linked to other accounts or credit activities that are not mine, which could lead to identity theft and a significant drop in my credit score. 

I have already attempted to dispute this information directly with the credit bureaus, including TransUnion at the address listed below, but the information has not been corrected or removed. 

TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am requesting that the CFPB investigate this matter and compel the credit bureaus to : Immediately and permanently remove all the erroneous personal information listed above from my credit files. 

Provide me with confirmation in writing that this information has been purged. 

Take steps to ensure that this inaccurate information is not re-added to my credit reports in the future. 

I have attached copies of the relevant sections of my credit reports highlighting the inaccuracies for your review. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response and a swift 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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received repeated collection attempts from Credence Resource Management , LLC regarding an alleged medical debt with XXXX XXXX XXXX  ( Credence Reference ID : XXXX ). However, my legal name is XXXX XXXX XXXX, and all communications were addressed to XXXX XXXX XXXX, a materially incorrect name that casts doubt on the accuracy of their records. 

I sent multiple debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ), but Credence failed to provide a signed agreement, proof of their legal right to collect, licensing to collect debt in Pennsylvania, or a proper itemized accounting of the debt. Instead, they responded with vague summaries and billing statements that do not constitute legal validation.

Despite failing to validate the debt as required by law, they continued to contact me and attempt collection which is a direct violation of FDCPA 809 ( b ). 

On XX/XX/year>, I sent a final cease and desist letter instructing them to stop all collection activity, including communication and credit reporting. They have now exhausted their legal window to validate the debt. 

I am requesting that CFPB intervene to stop further collection, and ensure this debt is not reported to any credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
On XX/XX/XXXX the total loss department of XXXX XXXX contacted Capital One Auto Finance for a payoff amount on a total loss on my vehicle. Capital One gave that information witha XXXX day payoff amount, which was paid. On XX/XX/XXXX Capital One received the payment but did not post it until XX/XX/XXXX, see attached ACH transfer. Capital One told me and XXXX on XX/XX/XXXX the vehicle was paid in full and the loan was closed. However, it is not. There is still {$29.00} owing and Capital One kept calling it " interest '' and when pressed was called " interest and fees. '' They attempted to say they would assist and ask for a waiver which could take XXXX business days, costing me a closing on a real estate transaction. Capital One released the title and XXXX and is still attempting to collect this money. I was transferred to XXXX ( XXXX ) " Case Managers '' in the office of the president, who could not exlain anything but that I could wait for the waiver for XXXX days but could not tell me why I needed anything waived when they had the whole payoff amount they provided to myself and insurance company. None of the Capital One representatives were helpful and infact one was spiteful and refused to provide any information. I believe I have the right to know why this money is owed and for what it is owed. A simple adjustment because they used the portal for payment and did not post it although we have proof they had the XXXX transfer would have been a very easy fix for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I sent a cashiers check to Citi XXXX cards in the amount of {$3000.00}. to which I certified mailed because my bank said members have been having issue with citi cards depositing their money and not posting to their account. to have reassurance they received it they said certify mail it. so I did just that, thinking it was a fluke mistake. they signed and received for my check on XX/XX/XXXX and thr back of the check with all their deposit numbers along with what looks like a trace nunber on XX/XX/XXXX. I filed a dispute. and they sent a letter telling me to send proof of the check front and back to the payment investigations. I sent it XXXX different ways. by fax and certified mail my proof to payment investigations address per the original dispute letter of the check front and back and the tracking number for which it was sent. now when I call citi, every person says something different. theres no update. XXXX agent said the investigation closed on XX/XX/XXXX. XXXX and I should receive my actual credit on my card for {$3000.00} instead of a conditional credit AND I should receive a letter of their findings. of which that has not happened. when I called today XX/XX/XXXX the agent said we dont have anything of your proof. you need to send that in. Are you serious. I faxed, certified mailed it and thr investigation was supposedly closed. I am getting nowhere and they wont give me a number to talk to the people supposedly investigating this. Mind you I only get a conditional credit for XXXX days which we are coming up on. they have had my proof since the beginning of the month, XXXX. This is beyond ridiculous. They have my money. theyre stamp is on thr back of it. with a trace number. im going in circles. and at this point I feel my only option is to get an attorney. theres no transparency. theres no communication. but im out {$3000.00}. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
m submitting this complaint against XXXX. XXXX XXXX for reporting and attempting to collect on a fraudulent account that does not belong to me. 

Account Information : Account Name : XXXX. XXXX XXXX. 

Account Number : XXXX Type : Collection / Charge-Off Reported Balance : {$760.00} Date Opened : XX/XX/scrub>/2025 Credit Bureaus Reporting : Experian, TransUnion This account is not mine and is the result of identity theft/fraud. I have never opened, authorized, or had any dealings with XXXX. XXXX XXXX. I contacted the company directly, and they provided written confirmation that their file has been closed. Despite this, the account continues to be reported to Experian and TransUnion, which is negatively impacting my credit. 

This activity constitutes a violation of : The Fair Credit Reporting Act ( FCRA ) for reporting and maintaining inaccurate and fraudulent information. 

18 U.S. Code 1028 ( Fraud and related activity in connection with identification documents ) because fraudulent information tied to my personal identity is being reported without authorization.

I have disputed this account directly with the credit bureaus and demanded reinvestigation within 72 hours, as required for fraudulent items, but the account remains on my credit report. 

I am attaching : The letter I received from XXXX. XXXX XXXX confirming closure of the file. 

My dispute letters to Experian and TransUnion. 

Supporting documentation to prove my identity and demonstrate that this account is fraudulent. 

This fraudulent account is causing me significant harm to my financial reputation and ability to obtain credit. I respectfully request that the CFPB intervene to ensure the immediate removal of this account from my credit reports and to hold XXXX. XXXX XXXX accountable for their violations.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I reported fraudulent charges on my credit card in XX/XX/2025. The bank sent me a letter confirming I was not responsible and that all related charges and fees would be removed. While the fraudulent transactions were taken off, they left a late fee and interest charge that resulted directly from the fraud. 

Since then, instead of correcting the error, the bank has lowered my credit line twice first by {$5600.00} in XX/XX/2025, and now down to just {$250.00} as of XX/XX/2025. Both times they cited delinquency, but the only reason my account appeared delinquent was because of the unresolved fraud charges they had already confirmed I was not responsible for. 

This has dragged on for months with no resolution. It has been stressful, unfair, and has harmed my credit by slashing my available limit.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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