vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX is unreachable to dispute or gain information about my credit file. 
XXXXIntial credit collection agency called me through nefarious meansinvolved deception and when I asked for proof of debt, I was denied proof in writing from XXXX over XXXX year ago. 
XXXX is not accessible by any means prompting me to complain twice to CFPBstill no response from XXXX  or CFPBreference numbers for CFPB complaints are as follows XXXX, XXXX. 
This is my XXXX complaint DO YOUR FREAKING JOB!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you regarding a serious error in my credit file an unauthorized account has been reported under my name. I have never opened, authorized, or used this account, and its reporting is entirely false. This inaccurate entry is damaging my reputation and financial opportunities and must be resolved without delay.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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: 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: KS

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a XXXX debit card and Citibank checks. I do not believe I opened this account as I do all my banking with XXXX. I called XXXX information anticipating having to file a fraud claim. I reached an representative. I provided my identifying information. After a couple holds, they said they can not discuss it with me. I asked " wait, you open up an account for me and refuse to discuss it with me? '' but they just hung up. I do not know if there has been any activity on the account.

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: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect money related to 3 XXXX online purchases. I spoke with XXXX and there is nothing owed. One was returned and refunded, one was refunded with no return needed and the last was delivered and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
In my immediate area I do not have a bank branch available for my primary banking with XXXX I needed to deposit a check that was too large for a mobile deposit, I decided to deposit the check into my sun coast credit union account, thinking this would be convenient for me when I needed it, I also decided to make an ACH transfer of {$10.00} from bank to bank checking accounts after 2 days after the funds cleared, I requested a wire transfer to Coinbase at which point my accounts were restricted and funds placed on a 10 day temporary hold, the bank requested I provide proof of the source of the deposited funds and I provided information to verify all the deposits, the bank can not provide me with any actions on the account that warrants this long hold, this action will cause me hardship as a result of mot having access to my funds for bill payments etc...

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Wildhorse Financial Services, LLC
State: FL

Complaint narrative:
Gravity Lending let two companies run hard credit checks XXXX XXXX XXXX XXXX and consumer credit union run checks on me that where not authorized. This is second time I put complaint this XXXX in person who I spoke with told me that they would be removed immediately and it has not happened. 
They are missing the point here that my credit was run by two different companies that they gave authorization without me ever giving authorization and I want those taken off of my credit report immediately and they never called me back. I called more than seven times and each time he told me that it, regardless of anything they would take care of removing those Hard inquiries. I really want this solved. This is a scam. I never gave authorization. In fact he told me that it looked like it had come from an XXXX. I do not own an XXXX. Please help me take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We recently opened a Chase business account.. When depositing our first check they locked our account due to the check not being payable to our full company name .. We have been going back and forth for over a week trying to unlock this account. They need the check owners phone number to match his business account which he has given us and confirmed with us that this is the correct number but as per chase it doesnt match. We are frustrated why this is the only way chase can verify a check. We are talking about a $ XXXX check that is now frozen besides XXXX XXXX that we dont have access to our account for over a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX I made a payment to my mortgage company Selene Finance in a sum of {$1500.00}. I attached page 3 & 4 from my bank XXXX XXXX XXXX XXXX of my proof. Page 3 lets you know this is my account and page 4 shows my payment. Selene Finance says they dont see my payment on their end. This has caused multiple problems which has caused my account to be behind. I have submitted documents to Selene Finance every month but I havent heard anything from them and the payment havent been put on my account also. I have applied also to a loan modification for months and have denied every time.

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: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/year>, Discover incorrectly reported my credit card account as 30 days late. This is inaccurate because I made my payment on time. I contacted Discover to request verification and correction of this error, but they have not provided proof to support the late payment or removed it from my credit report. This false reporting is negatively impacting my credit history and score. I am requesting that the inaccurate late payment be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T had my account locked for about a month because of an unknown {$50.00} refund in my account. I was asked to come into the branch because the problem could not be resolved through customer service on the phone. I let them know i did not have time to step into the bank based on location and my schedule. I managed to get XXXX combined on XXXX separate days to deal with the issue in the branch. The first time, the branch XXXX let me know we could handle everything by phone and gave me his business card. After that first visit that took XXXX, I called customer service and was told I had to come back into the branch to resolve the issue. All the while my account is locked, I had no access to my hard earned funds, could not XXXX and had to create a cash checking debit card account and submit this to my employer so that I could get paid. I got no answers about why my account was locked and I had the account for 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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been wrongly reported under my credit profile. I did not authorize, open, or use this account at any point. The presence of this inaccurate information is misleading and harmful, causing a negative impact on my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a credit card with XXXX XXXX  issued by community bank. I called in XX/XX/XXXX after I had made a late payment. The gentleman I spoke with said he would waive the late fee and my account was in good standing and at a XXXX balance. The only time I made purchases on the card was XXXX of XXXX. I got a call in XXXX from the company saying that I had a balance and more late fees. Another representative told me they would waive the late fees and the account was at a XXXX balance. Finally again in XXXX of XXXX I received a call from commenity saying that I had a past due account despite being told the account was at a XXXX balance in XX/XX/XXXX. I then requested to close the card. Despite being told verbally the account was in good standing and at a XXXX balance and not making any new purchases after XX/XX/XXXX. I was reported as having late payments on my credit report and was lied to or told misinformation by commenity which is a deceptive business practice. I would like this blemish removed from my credit report. I have never been late on anything in my entire credit history and due to this companys deceptive and incompetent business structure my credit dropped XXXX points and is causing issues for my family and I. Please help me fix this issue.

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 — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Re : Cease and Desist Request To Whom It XXXX Concern, I am formally requesting that LVNV Funding LLC and any of its agents, representatives, or affiliates cease and desist all communication with me regarding the above-referenced account.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a written request is made to cease communication, a debt collector may only contact the consumer to : 1. Confirm that no further contact will be made ; or 2. Notify the consumer of specific legal remedies the creditor intends to pursue. 

Please note that any further attempts to contact me outside of what is legally permitted will be considered a violation of federal law, and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 

This letter is not an acknowledgment of any debt owed. I dispute any and all alleged debts connected to this matter.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state unXXXX XXXX XXXX XXXX XXXX liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 



Sincerely, 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-25 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have noticed recent inquires on my credit that did not belong to me, please remove them.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have noticed recent inquires on my credit that did not belong to me, please remove them.

Company response to consumer: Closed with explanation